Dallas is the third-most populous city in Texas, so drivers by and large pay more for car indemnity. The average pace for minimal 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 score and driving history. Be surely to get quotes from at least three insurers.
Cheapest auto insurance in Dallas: State Farm
The three cheapest insurers for minimum coverage in Dallas are State Farm, Fred Loya and Nationwide. The cheapest quote overall comes from State Farm, which charges Dallas drivers an average of $ 680 per annum. That ‘s $ 461 cheaper than the city median of $ 1,141. Fred Loya came in a close second, charging merely $ 47 more per year, or about $ 4 more per month. Nationwide besides offered relatively low-cost minimal coverage, at $ 1,045 per year, or $ 87 per month .
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presently insured ? From a price position, 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 amply 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 moon coverage in Dallas, according to our quote analysis. The modal cost of full coverage indemnity in Dallas is $ 3,111, but Fred Loya charges policyholders about 60 % less — just $ 1,247 per annum, or $ 104 monthly. If you ‘re a Dallas driver looking for low-cost full coverage, be certain to get quotes from State Farm and Geico, deoxyadenosine monophosphate well. Both charge more than Fred Loya, but they have stronger customer service reputations .
Members of the military and their families should call USAA for a quote. At $ 1,464 per annum, USAA had the second-cheapest full moon coverage insurance of the nine companies in our study .
|
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 minimum coverage only covers the early driver ‘s damages or injuries, full coverage ensures that your car is protected, arsenic well. It includes collision and comprehensive examination 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 senior high school risk. Factors that can increase your risk military rank include having an accident, a DUI or a speed ticket on your repel record, vitamin a well as having a low citation score .
Cheapest car insurance in Dallas after an accident: Fred Loya
Fred Loya, State Farm and Geico offer the cheapest car policy for Dallas drivers who have an at-fault accident on their record. While Fred Loya offered the cheapest rates overall, State Farm increased rates the least. Rates for a driver with an at-fault accident were precisely $ 270 more per class than for a driver with a blank record. The average rate among all the insurers in our sketch increased by a humongous $ 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 insurance in Dallas by $ 228 — not closely equally 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 monetary value of policy for drivers with a speed ticket, which is $ 3,339 .
insurance from MetLife, the most expensive insurance company in our study, was $ 4,486 more expensive than insurance from Fred Loya, the cheapest insurance company in our survey. Differences like this underscore just how important it is to compare quotes before you purchase an car insurance 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 good offense — so serious, in fact, that the insurers in our sketch raised average rates by 71 % .
Fred Loya had the cheapest rates for these drivers, charging precisely $ 2,134 annually. 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 policy rates .
ValuePenguin ‘s psychoanalysis found that car indemnity for Dallas drivers with depleted credit scores cost $ 3,859 per year on average — $ 1,275 more than annual premiums for drivers with average accredit 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 unmarried drivers do, therefore many insurers charge them lower rates. We found that rates for marry drivers in Dallas were 10 % less expensive than rates for single drivers .
If you ‘re married and hot in Dallas, contact 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 modal than fully coverage for our 30-year-old-driver. To offset costs, young drivers should stay on their parents ‘ policy if they can .
The cheapest indemnity 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 sure to ask your insurance company about coarse car indemnity discounts like student-away-from-home or good scholar discounts .
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Another option is to purchase minimal coverage. however, ValuePenguin does not typically recommend this approach. Young drivers are broadly more accident prone and more probably to benefit from the lend protection that comes with full coverage .
Best auto insurance companies in Dallas, Texas
A review conducted by ValuePenguin found that of the Texas insurers in our study, USAA, Nationwide and State Farm had the highest percentages of customers who were “ highly satisfy ” with their most late claims. To learn more about how these unlike insurers ranked for customer service, check out our Texas car insurance analysis .
Average car insurance cost in Dallas, by ZIP code
Your car policy premiums depend on your location — sometimes down to your ZIP code. crime rates and population concentration can increase gamble and cause 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 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. { “ backgroundColor ” : ” internal-combustion engine ”, ” content ” : ” \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 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 trace coverage limitations :
|
Coverage type Read more: Guide:Class setups – Terraria Wiki |
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 comparative purposes lone ; your own quotes could differ .
