Who Has The Cheapest Auto Insurance Quotes in Dallas, TX?

The cheapest car indemnity in Dallas, Texas, is State Farm, which offers minimum coverage for an average of $ 57 per calendar month. Fred Loya offered the cheapest fully coverage policy at $ 104 per month .
Dallas is the third-most populous city in Texas, so drivers by and large pay more for car policy. The median rate for minimum coverage in Texas is $ 926 per year, but drivers in Dallas pay $ 215 more — $ 1,141 on average .
Rates vary significantly from driver to driver, depending on factors like your credit grudge and driving history. Be sure to get quotes from at least three insurers.

Cheapest auto insurance in Dallas: State Farm

The three cheapest insurers for minimal coverage in Dallas are State Farm, Fred Loya and Nationwide. The cheapest quotation overall comes from State Farm, which charges Dallas drivers an average of $ 680 per annum. That ‘s $ 461 cheaper than the city average of $ 1,141. Fred Loya came in a close second, charging fair $ 47 more per year, or about $ 4 more per calendar month. Nationwide besides offered relatively low-cost minimal coverage, at $ 1,045 per class, or $ 87 per calendar month .
A chart of the cheapest car insurance companies in Dallas, Texas.

Compare Car Insurance Rates in Dallas

presently insured ? From a price perspective, a minimum coverage policy might seem attractive, but bear in mind that lower rates come with less coverage. If you get into an accident, you ‘ll be in full financially responsible for repairs to your own car and your own aesculapian bills .

Cheapest full coverage car insurance in Dallas: Fred Loya

Fred Loya has the cheapest rates for full coverage in Dallas, according to our quote analysis. The average price of full coverage policy in Dallas is $ 3,111, but Fred Loya charges policyholders about 60 % less — just $ 1,247 annually, or $ 104 monthly. If you ‘re a Dallas driver looking for low-cost entire coverage, be sure to get quotes from State Farm and Geico, equally well. Both care more than Fred Loya, but they have stronger customer service reputations .
Members of the military and their families should call USAA for a quotation mark. At $ 1,464 annually, USAA had the second-cheapest full coverage policy of the nine companies in our learn .

Rank

Company

Annual rate

1 Fred Loya $1,247
2 State Farm $1,494
3 Geico $2,454
4 Nationwide $2,769
5 Chubb $3,047
6 Dairyland $4,218
7 Allstate $5,575
8 MetLife $5,733
N/A USAA $1,464

While minimal coverage merely covers the other driver ‘s damages or injuries, full coverage ensures that your car is protected, equally well. It includes collision and comprehensive coverage .

  • Comprehensive coverage: Also known as “other-than-collision coverage,” comprehensive coverage protects your car from any non-collision damage, such as a wild animal, theft or fire.
  • Collision coverage: Collision coverage pays for damages to your car after a collision — no matter who was responsible for the accident.

Cheap car insurance for drivers with prior incidents

Insurers raise premiums for drivers they deem eminent risk. Factors that can increase your risk evaluation include having an accident, a DUI or a accelerate ticket on your drive criminal record, equally well as having a low accredit score .

Cheapest car insurance in Dallas after an accident: Fred Loya

Fred Loya, State Farm and Geico offer the cheapest car indemnity for Dallas drivers who have an at-fault accident on their read. While Fred Loya offered the cheapest rates overall, State Farm increased rates the least. Rates for a driver with an at-fault accident were fair $ 270 more per year than for a driver with a clean record. The average rate among all the insurers in our survey increased by a whack $ 1,791 after an at-fault accident — a 58 % jump .

Rank

Company

Annual rate

1 Fred Loya $1,572
2 State Farm $1,764
3 Geico $3,838
4 Nationwide $4,318
5 Chubb $5,198
6 Dairyland $5,574
7 Allstate $8,898
8 MetLife $10,755
N/A USAA $2,206

Cheapest car insurance for people with a speeding ticket: Fred Loya

Speeding tickets raised the average cost of indemnity in Dallas by $ 228 — not about vitamin a much as the increase after an at-fault accident ( $ 1,791 ) or a DUI ( $ 2,201 ) .
together, these insurers cost 43 % less than the average cost of insurance for drivers with a travel rapidly ticket, which is $ 3,339 .
insurance from MetLife, the most expensive insurance company in our study, was $ 4,486 more expensive than policy from Fred Loya, the cheapest insurance company in our study. Differences like this underline fair how authoritative it is to compare quotes before you purchase an car indemnity policy .

Rank

Company

Annual rate

1 Fred Loya $1,247
2 State Farm $1,494
3 Geico $2,962
4 Chubb $3,047
5 Nationwide $3,351
6 Dairyland $4,990
7 Allstate $5,575
8 MetLife $5,733
N/A USAA $1,655

Cheapest car insurance for drivers with a DUI: Fred Loya

Driving under the influence ( DUI ) is a dangerous offense — so serious, in fact, that the insurers in our study raised modal rates by 71 % .
Fred Loya had the cheapest rates for these drivers, charging barely $ 2,134 per annum. That ‘s more than $ 3,000 cheaper than the city average for drivers with a DUI, which is $ 5,312 .

Rank

Company

Annual rate

1 Fred Loya $2,134
2 State Farm $2,298
3 Dairyland $4,239
4 Geico $4,346
5 Nationwide $5,530
6 Chubb $6,597
7 Allstate $8,764
8 MetLife $11,685
N/A USAA $2,220

Cheapest car insurance for drivers with poor credit: Fred Loya

While your credit score does not impact your ability to drive safely, it does impact your car indemnity rates .
ValuePenguin ‘s psychoanalysis found that car indemnity for Dallas drivers with low accredit scores cost $ 3,859 per year on average — $ 1,275 more than annual premiums for drivers with average credit and $ 1,863 more than annual premiums for drivers with very good credit .

Rank

Company

Annual rate

1 Fred Loya $1,247
2 State Farm $2,312
3 Nationwide $3,142
4 Geico $3,489
5 Chubb $3,974
6 Dairyland $4,775
7 Allstate $5,092
8 MetLife $8,466
N/A USAA $2,233

Cheapest car insurance for married drivers: Fred Loya

Married drivers statistically get into fewer accidents than one drivers do, indeed many insurers charge them lower rates. We found that rates for married drivers in Dallas were 10 % less expensive than rates for single drivers .
If you ‘re married and hot in Dallas, liaison Fred Loya, State Farm and Nationwide for quotes, as we found these companies have the most low-cost premiums .

Rank

Company

Annual rate

1 Fred Loya $947
2 State Farm $1,494
3 Nationwide $2,550
4 Geico $2,565
5 Chubb $3,047
6 Dairyland $3,946
7 MetLife $4,561
8 Allstate $4,922
N/A USAA $1,263

Cheapest car insurance for young drivers: Fred Loya

Full coverage for our sample 18-year-old driver was 163 % higher on average than entire coverage for our 30-year-old-driver. To offset costs, young drivers should stay on their parents ‘ policy if they can .
The cheapest insurance for our adolescent driver came from Fred Loya, which charged $ 3,365 annually. That ‘s about 60 % cheaper than the Dallas city average, which is $ 8,171 .

Rank

Company

Annual rate

1 Fred Loya $3,365
2 State Farm $4,589
3 Geico $5,227
4 Chubb $8,029
5 Dairyland $9,780
6 Allstate $10,466
7 Nationwide $10,606
8 MetLife $18,793
N/A USAA $2,686

If staying on your parents ‘ policy is n’t an choice, be certain to ask your insurance company about common car policy discounts like student-away-from-home or good student discounts .
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Another choice is to purchase minimum coverage. however, ValuePenguin does not typically recommend this approach. Young drivers are broadly more accident prone and more probably to benefit from the total protection that comes with full moon coverage .

Best auto insurance companies in Dallas, Texas

A survey conducted by ValuePenguin found that of the Texas insurers in our discipline, USAA, Nationwide and State Farm had the highest percentages of customers who were “ highly satisfied ” with their most recent claims. To learn more about how these different insurers ranked for customer service, check out our Texas car indemnity analysis .

Average car insurance cost in Dallas, by ZIP code

Your car indemnity premiums depend on your localization — sometimes down to your ZIP code. crime rates and population density can increase risk and causal agent insurers to raise rates .
The most expensive ZIP code in Dallas, 75398, had average annual premiums that were $ 294 more expensive than in the least expensive ZIP code, 75098 .

ZIP code

Full coverage annual cost

Minimum coverage annual cost

75098 $2,839 $1,076
75201 $3,136 $1,122
75202 $3,233 $1,157
75203 $3,296 $1,177
75204 $3,087 $1,109

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Auto theft statistics in Dallas

Dallas has the highest rate of car crime out of the 11 most populous cities in Texas. Our follow-up of 2019 FBI crime data found that approximately eight cars were stolen for every 1,000 residents. { “ backgroundColor ” : ” ice ”, ” capacity ” : ” \u003C\/p\u003E\n\n\u003Cp\u003EDallas has the highest pace of car crime out of the 11 most populous cities in Texas. Our review of 2019 FBI crime data found that approximately eight cars were stolen for every 1,000 residents. \n ”, ” padding ” : ” double ” }

Rank

City

Population

Car thefts

Thefts per 100,000

1 Dallas 1,363,295 10,257 7.5
2 Houston 2,355,606 13,098 5.6
3 San Antonio 1,559,166 7,781 5.0
4 Lubbock 259,208 1,225 4.7
5 Fort Worth 915,237 3,335 3.6

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Methodology

We collected data from nine of the largest insurers in Texas. Our sample distribution driver was a 30-year-old man who drove a 2015 Honda Civic EX and had average credit .
Unless otherwise noted, we gave our sample driver the pursuit coverage limitations :

Coverage type

Study limits

Bodily liability $50,000 per person/$100,000 per accident
Personal injury protection $10,000
Property damage $25,000 per accident
Uninsured/underinsured motorist bodily injury $50,000 per person/$100,000 per accident
Comprehensive and collision $500 deductible

ValuePenguin ‘s analysis used insurance rate data from Quadrant Information Services. Rates were publicly sourced from insurance company filings and should be used for relative purposes only ; your own quotes could differ .

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