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What should residents of Dallas expect to pay for their car insurance? How does Dallas stack up to the rest of the area, or even Georgia as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:
Area | Average Monthly Car Insurance Premium |
|---|---|
| Dallas | $115 |
| GA | $105 |
| United States | $80 |
Based on the information in the chart above, you can see that on average, it's about $10 a month more expensive to insure your vehicle in Dallas than it is in the rest of Georgia.
The average cost of insuring your vehicle in Dallas is above the national rate. The average monthly payment for the rest of the U.S. is about is about $35 cheaper than it is in Dallas.
These rates may be the average amount drivers in Dallas pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Dallas and broken down the different factors to help you understand what your monthly bill might look like. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $203 |
| 25-34 | $108 |
| 35-44 | $93 |
| 45-54 | Not Enough Data |
| 55-64 | $76 |
| 65+ | $90 |
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times the price that drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may begin to go back up in Dallas.
Gender | Average |
|---|---|
| Male | $120 |
| Female | $110 |
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Dallas is about $10 per month. Based on the chart above, you can see that female drivers pay around $110 on average, while male drivers typically pay $120 each month.
Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $145 |
| Multiple Accidents | $259 |
| 1 Ticket | $141 |
| Multiple Tickets | $197 |
One of the key factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Dallas, drivers with one accident on their record will experience rates around $145 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $141.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Vehicle Age | Average Monthly Premium |
|---|---|
| Less Than 1 Year | $98 |
| 2-3 Years | $115 |
| 4-5 Years | $117 |
| 6-7 Years | $117 |
| 8-10 Years | $122 |
| 11-14 Years | $122 |
| 15 Years or Older | $108 |
In terms of affordable coverage, the cheapest vehicles to insure in Dallas are by and large trucks and vans, at $99 per month.
Car owners, on the other hand, typically pay around $123 a month, while SUV drivers can expect to pay about $106 per month for auto insurance coverage.
Your rates can also vary depending on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop back down. In Dallas, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $127 |
| Married | $88 |
| Divorced | $87 |
| Widowed | $99 |
More often than not, married policyholders will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Dallas is no exception, with the difference totaling to around $39 a month.
Housing Status | Average Monthly Premium |
|---|---|
| Own | $104 |
| Rent | $115 |
| Live with parents | $165 |
Your housing situation is another factor that affects your monthly rate. Homeowners in Dallas can expect to pay around $11 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Dallas, auto insurance rates went up from 2017-2018, and rose again, from 2020-2021. They finished down in 2022, at $87 a month.
Car insurance companies will take into account several factors when they're choosing how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
Amount of drivers
Road Safety (how many accidents each locality has)
Regional regulations
Prevalence of crime
Availability of off-street parking
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
But hold on! Compare.com can handle all of this for you. Just punch in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering policies in Dallas.
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Dallas or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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