Table of contents
How much is car insurance in Dallas?
| Area | Average Monthly Car Insurance Premium |
|---|---|
| Dallas | $115 |
| GA | $103 |
| United States | $80 |
As you can tell from the chart above, the cost of coverage in Dallas is about $12 a month more expensive than the rest of Georgia.
Likewise, Dallas residents will likely pay higher rates to insure their vehicle than in the rest of the country. The cost of auto coverage in Dallas is about $35 more expensive than the national average.
Although these are the average monthly costs for an auto insurance policy in Dallas, that doesn't mean it's exactly what you'll pay. The amount that insurance companies end up charging you is determined by a number of factors. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Dallas residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
Average Car Insurance Rates by Age
| Age Range | Average Premium |
|---|---|
| Under 18 | Not Enough Data |
| 18-24 | $191 |
| 25-34 | $110 |
| 35-44 | $95 |
| 45-54 | Not Enough Data |
| 55-64 | $77 |
| 65+ | $94 |
It's pretty safe to assume that the older you are, the longer you've been driving. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may begin to go back up in Dallas.
Average Car Insurance Rates by Gender
| Gender | Average |
|---|---|
| Male | $118 |
| Female | $112 |
In general, women pay slightly less for car insurance than men. In Dallas, the difference is around $6 per month. As you can see in the chart above, car insurance for women in the area typically costs around $112 each month, while men pay $118 on average.
Average Auto Insurance Rates by Driving Record
| Infractions | Average Monthly Premium |
|---|---|
| 1 Accident | $179 |
| Multiple Accidents | $265 |
| 1 Ticket | $137 |
| Multiple Tickets | $214 |
Depending on your driving record, your rates can vary quite a lot. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Dallas, having a single accident on your record will usually get you rates around $137 a month. In addition, drivers with one ticket can expect to pay around $179 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. 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 | $110 |
| 4-5 Years | $113 |
| 6-7 Years | $118 |
| 8-10 Years | $120 |
| 11-14 Years | $121 |
| 15 Years or Older | $110 |
If you look at the first table above, the cheapest vehicles to insure in Dallas are by and large trucks and vans, at $97 per month.
SUV drivers will see rates of about $111, while the rates for car owners average out to about $120 a month.
Your rates can also vary depending on the age of your vehicle. Overall, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Dallas, for example, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
| Relationship | Average Monthly Premium |
|---|---|
| Single (never married) | $129 |
| Married | $92 |
| Divorced | $87 |
| Widowed | $99 |
Generally speaking, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Dallas can be as much as $37 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
| Housing Status | Average Monthly Premium |
|---|---|
| Own | $101 |
| Rent | $114 |
| Live with parents | $171 |
Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $13 a month more than if you own your own home in Dallas. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall costs.
Car Insurance Companies in Dallas, GA
Recent trends in car insurance for Dallas drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Car insurance rates in Dallas rose from 2016-2018, before steadying out in 2019. Car insurance rates went up again recently, hitting a high of $135 in 2021.
How does Dallas compare to neighboring areas?
Why are car insurance rates in Dallas different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. A few of these factors affecting your personal policy have already been mentioned, but others are based around where you live and drive. These include things like:
- Total amount of drivers in the area
- Off-street parking accessibility
- Frequency of car accidents
- Crime levels
- Laws
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. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Dallas?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering policies in Dallas.
Dallas Insurance FAQs
What factors affect car insurance quotes in Dallas?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Dallas different from other neighboring cities?
Auto insurance companies consider regional factors, such as crime rates, parking situations, and local laws 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.
Which car insurance company will offer me the cheapest rate in Dallas?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Dallas or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?