Table of contents
How much is car insurance in Dallas?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Dallas | $115 |
| GA | $106 |
| United States | $81 |
Based on the information in the chart above, you can see that on average, it's about $9 a month more expensive to insure your vehicle in Dallas than it is in the rest of Georgia.
Likewise, residents of Dallas might expect to pay higher rates for coverage than the rest of the country. The average monthly payment in Dallas is about $34 more expensive than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Dallas, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.
Don't sweat it however, we've broken down average rates for Dallas residents so that you can get a more accurate idea of what you might pay. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
| 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 | $77 |
| 65+ | $90 |
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay $113 more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Drivers in Dallas may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $120 |
| Female | $111 |
In general, car insurance rates for women are usually cheaper than they are for men. The difference in Dallas is about $9 per month. As you can see in the chart above, car insurance for women in the area typically costs around $111 each month, while men pay $120 on average.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $146 |
| Multiple Accidents | $264 |
| 1 Ticket | $142 |
| Multiple Tickets | $203 |
One of the biggest factors in determining your car insurance rates is your driving record. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. Drivers in Dallas with a single accident will pay around $146 a month. In addition, drivers with one ticket can expect to pay around $142 a month on average.
Accidents, tickets, and other driving infractions can cost you some serious cash. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.
Average Insurance Rates by Vehicle
| 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 | $123 |
| 11-14 Years | $121 |
| 15 Years or Older | $109 |
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Dallas, with drivers paying around $100 per month for auto insurance coverage.
Car owners can expect to pay an average of around $124 a month for their policy, while SUVs usually cost around $107 a month to insure.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is a few years old. In Dallas, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $128 |
| Married | $89 |
| Divorced | $87 |
| Widowed | $99 |
On average, those who have settled down into marriage will pay slightly less for auto insurance. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.
At a national level, single drivers usually pay more than married couples do for auto insurance. Dallas follows that pattern, with the difference totaling to around $39 a month.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $103 |
| Rent | $116 |
| Live with parents | $166 |
One other element taken into consideration is your living accommodations. Homeowners in Dallas can expect to pay around $13 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Dallas, GA
Recent trends in car insurance for Dallas drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
The rates for car insurance in Dallas had been increasing from 2017-2018, and rose again, from 2020-2021. They finished down in 2022, at $80 a month.
How does Dallas compare to neighboring areas?
Why are car insurance rates in Dallas different from other areas?
Car insurance companies take in a number of factors when choosing how much individual insurance policies will cost. Your insurance policy will depend largely on where you live and drive and will be influenced by things such as:
- Area regulations
- Availability of off-street parking
- Road Safety (frequency of car accidents)
- Amount of drivers in the area
- Rate of crime
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Dallas?
Arming 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 does all of that work for you. Simply enter your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from numerous car insurance companies that offer plans in Dallas.
Dallas Insurance FAQs
What factors affect car insurance quotes in Dallas?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Dallas different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Dallas?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Dallas?
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.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Dallas or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.