+120 more*These quotes are from Compare.com users in and around Dallas, Texas within the last 10 days. Updated on September 3, 2026
*These quotes are from Compare.com users in and around Dallas, Texas within the last 10 days. Updated on September 3, 2026
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
State Farm offers the cheapest full coverage car insurance in Dallas, at $126 per month.
Car insurance in Dallas costs around $29 more per month than the Texas average.
Drivers in Dallas pay about 25% more after a single speeding ticket, according to Compare.com data.
The Dallas-Fort Worth-Arlington metro area ranked No. 6 in the U.S. for total vehicle thefts in 2025, which can drive up comprehensive insurance costs, according to the National Insurance Crime Bureau (NICB).
Dallas car insurance rates average $135 per month for state-minimum coverage and $240 per month for full coverage, according to Compare.com data.
That’s higher than the Texas average of $118 per month for minimum-liability coverage and $215 per month for full coverage.
Dallas drivers pay more than drivers in nearby McKinney, where full coverage averages $216 per month, and liability insurance averages $118 per month.
Drivers in Dallas face weather-related risks, including flooding, that increase the likelihood of vehicle damage.1 Vandalism rates in Dallas are higher than the Texas average.[1] These factors can contribute to more insurance claims and higher premiums.
Rates in Dallas start at $65 per month.
State Farm offers the cheapest car insurance in Dallas, with an average monthly rate of $65 for liability-only coverage, according to our data. That’s far less than the city’s average of $135 per month.
Under Texas car insurance requirements, Dallas drivers must purchase at least 30/60/25 liability insurance. That breaks down to $30,000 in bodily injury coverage per person, $60,000 per accident, and $25,000 in property damage liability. It pays for injuries and property damage you cause to others in an at-fault accident.
The table below shows where to get cheap liability car insurance in Dallas, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $65 |
| Progressive | $92 |
| Mile Auto | $94 |
| GEICO | $101 |
| USAA | $117 |
| First Acceptance | $124 |
| Mercury | $126 |
| The General | $128 |
| Alinsco | $130 |
| Lone Star | $134 |
| GAINSCO | $136 |
| Commonwealth Casualty | $140 |
| Covercube | $142 |
| Bristol West | $145 |
| Clearcover | $145 |
| Root | $146 |
| Dairyland | $150 |
| AssuranceAmerica | $153 |
| Mendota | $154 |
| Sun Coast | $154 |
| Excepsure | $158 |
| Allstate | $159 |
| Safeco | $160 |
| Direct Auto | $162 |
| Loop | $169 |
| Elephant | $171 |
| National General | $171 |
| Chubb | $198 |
| Trexis One | $201 |
| Insurify Car | $216 |
| 21st Century | $230 |
| Hugo | $237 |
| Liberty Mutual | $266 |
| Foremost | $318 |
Full-coverage auto insurance in Dallas averages $240 per month, according to our data. It’s more expensive than in nearby Fort Worth and Plano, where drivers pay around $208 per month. But drivers in more densely populated areas, like Houston, pay more for full coverage, at $276 per month.[2]
Dallas sits in North Texas, commonly considered part of Tornado Alley, where severe thunderstorms can produce large hail, damaging winds, and tornadoes.[3] [4] Risks like these make full-coverage car insurance worth the extra cost for many drivers.
Check out the table below for the best options for cheap full-coverage car insurance in Dallas, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $126 |
| Progressive | $158 |
| Mercury | $206 |
| Mile Auto | $207 |
| GEICO | $213 |
| USAA | $225 |
| Safeco | $237 |
| Allstate | $239 |
| Root | $241 |
| Clearcover | $251 |
| Direct Auto | $257 |
| Alinsco | $260 |
| GAINSCO | $262 |
| Elephant | $266 |
| AssuranceAmerica | $281 |
| Bristol West | $281 |
| The General | $282 |
| National General | $284 |
| Mendota | $296 |
| Commonwealth Casualty | $304 |
| First Acceptance | $309 |
| Sun Coast | $311 |
| Lone Star | $312 |
| Loop | $318 |
| Covercube | $319 |
| Dairyland | $350 |
| Chubb | $384 |
| Liberty Mutual | $385 |
| Trexis One | $408 |
| 21st Century | $443 |
| Foremost | $639 |
Finding the right car insurance company in Dallas depends on more than just price. To help you choose the best car insurance company, compare factors such as affordability, coverage options, customer experience, and Texas-specific driver needs.
We used our proprietary data, Compare.com Ratings, and reviews from real customers. Below are the insurers that stood out for Dallas drivers.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $126/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers some of the cheapest car insurance in Dallas. It has over 60 local agents available to help you determine your coverage needs and navigate the Texas auto claims process. State Farm also provides electric-vehicle coverage, making it an option for the more than 456,000 Texans who drive electric or hybrid vehicles.[5]
Strong agent network across Dallas
Competitive Dallas rates
Tailor your premium with Personal Price Plan
Low-mileage discount not available
Only 11 Select Service repair shops in Dallas
Customer experiences can vary by local agent
| User Reviews | 3.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $266/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $385/mo |
Liberty Mutual's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.1 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the excellent customer service and efficient claim processing but are frustrated with the high and consistently increasing premiums. Some also found the website difficult to navigate.
More than 53% of North Central Texas veterans call Dallas home.[6]USAA offers competitive rates for qualifying active-duty military members, veterans, and their families. Dallas drivers who drive less than the Texas average of 9,615 miles per year could also save 20% or more with USAA SafePilot Miles, its pay-per-mile insurance program.
Military discounts and member benefits
High J.D. Power customer satisfaction in Texas
Rideshare coverage available
Only available to military members and eligible families
No local USAA agents in Dallas
Gap insurance not available
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $136/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $262/mo |
GAINSCO specializes in non-standard auto insurance for drivers in Dallas. It’s for high-risk drivers who have trouble finding affordable coverage after tickets, accidents, or a lapse in coverage. The Texas-based insurer offers flexible payment plans and SR-22 filings for Dallas drivers who need to meet state insurance requirements.
Available through State Farm and independent agents
Specializes in high-risk drivers
Dallas-based insurer
Higher rates than standard insurers in Dallas
Limited discount opportunities
No J.D. Power ratings
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Dallas drivers. We researched, analyzed, and weighed several categories important to Dallas insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Dallas drivers find the best auto insurance policy for their unique needs.
Full-coverage auto insurance varies widely across Texas, ranging from $180 per month in Cleburne to $276 per month in Houston, according to Compare.com data. Dallas drivers pay an average of $240 per month, putting the city near the higher end of the statewide range.
Differences in claim risk help explain why insurance premiums vary across Texas. The Texas Department of Transportation (TxDOT) recorded more than 26,000 crashes in Dallas in 2024, compared with about 600 in Cleburne, and more than 66,000 in Houston. Insurers typically charge higher premiums in cities with higher crash rates.
Check out the table below to see how auto insurance in Dallas compares to other Texas cities.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Big Spring | $84 | $184 |
| Abilene | $88 | $188 |
| Corsicana | $92 | $175 |
| Temple | $93 | $184 |
| Commerce | $95 | $184 |
| Jacksonville | $95 | $202 |
| El Paso | $98 | $195 |
| Texarkana | $98 | $178 |
| Midland | $99 | $207 |
| Amarillo | $100 | $222 |
| Bryan | $100 | $193 |
| Lufkin | $100 | $186 |
| Victoria | $100 | $174 |
| Lubbock | $101 | $204 |
| Cleburne | $102 | $180 |
| Odessa | $103 | $232 |
| Nacogdoches | $104 | $176 |
| Killeen | $105 | $202 |
| Greenville | $106 | $185 |
| College Station | $107 | $197 |
| Burleson | $110 | $212 |
| Grapevine | $110 | $176 |
| New Braunfels | $110 | $193 |
| Harlingen | $111 | $185 |
| Huntsville | $111 | $203 |
| Denton | $112 | $209 |
| Georgetown | $112 | $196 |
| Waxahachie | $112 | $207 |
| Laredo | $113 | $200 |
| Coppell | $114 | $196 |
| Frisco | $115 | $211 |
| Round Rock | $115 | $210 |
| Brownsville | $117 | $216 |
| Cedar Park | $118 | $197 |
| Fort Worth | $118 | $211 |
| Keller | $118 | $195 |
| Leander | $118 | $208 |
| Mckinney | $118 | $216 |
| San Marcos | $118 | $203 |
| Friendswood | $119 | $205 |
| Lewisville | $119 | $198 |
| Southlake | $119 | $175 |
| Haltom City | $120 | $196 |
| Mansfield | $120 | $207 |
| Irving | $122 | $229 |
| Duncanville | $125 | $234 |
| Galveston | $125 | $221 |
| Plano | $125 | $208 |
| Forney | $126 | $233 |
| Arlington | $127 | $216 |
| Austin | $127 | $216 |
| Cleveland | $128 | $238 |
| League City | $128 | $224 |
| Montgomery | $128 | $215 |
| San Antonio | $128 | $219 |
| San Juan | $128 | $227 |
| Corpus Christi | $130 | $216 |
| Grand Prairie | $130 | $223 |
| Lancaster | $130 | $253 |
| Pearland | $130 | $236 |
| Pflugerville | $130 | $223 |
| Mesquite | $131 | $244 |
| Beaumont | $132 | $229 |
| Conroe | $132 | $223 |
| Mcallen | $132 | $226 |
| Balch Springs | $134 | $229 |
| Rowlett | $134 | $220 |
| Dallas | $135 | $240 |
| Mission | $136 | $238 |
| Baytown | $137 | $239 |
| Garland | $137 | $235 |
| La Porte | $138 | $208 |
| Rockwall | $138 | $224 |
| Spring | $147 | $240 |
| Fresno | $149 | $261 |
| Sugar Land | $152 | $219 |
| Katy | $153 | $243 |
| Humble | $157 | $244 |
| Houston | $170 | $276 |
*These quotes are from Compare.com users in and around Dallas, Texas within the last 10 days. Updated on September 3, 2026
*These quotes are from Compare.com users in and around Dallas, Texas within the last 10 days. Updated on September 3, 2026
Your driving history can significantly affect what you pay for car insurance in Dallas. Premiums typically increase after a speeding ticket, an at-fault accident, or a DUI conviction.
Drivers in Dallas pay an average of $237 per month after a speeding ticket, compared to the average of $187 with a clean record.
State Farm
offers the cheapest liability coverage for drivers with a speeding ticket, while State Farm has the lowest average rates after an at-fault accident, according to Compare.com data.
The following table breaks down average monthly premiums in Dallas by driving record.
Driving Record | Average Monthly Premium |
|---|---|
| Clean driving record | $187 |
| Speeding ticket | $237 |
| At-fault accident | $250 |
| DWI | $261 |
Some Dallas insurers are more affordable than others after a violation or accident. The rates below highlight the cheapest liability car insurance companies in Dallas for several common driver profiles.
Cheapest car insurance for drivers in Dallas with a clean driving record: State Farm
Cheapest car insurance for drivers in Dallas with a speeding ticket: State Farm
Cheapest car insurance for drivers in Dallas with an at-fault accident: State Farm
Cheapest car insurance for drivers in Dallas with a DUI: State Farm
Our data shows that about 3% of Dallas drivers have a speeding ticket, while 4.3% have an at-fault accident. Because Texas follows an at-fault insurance system, drivers who cause crashes may see higher premiums after a claim.
Only about 0.7% of Dallas drivers have a DUI. TxDOT and local law enforcement increase DWI enforcement during holidays. The End the Night Right campaign offers discounted rideshare codes to help prevent impaired driving.
Compare quotes and get the coverage you need at the best price.
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Dallas recorded 26,431 crashes in 2025, down 6.3% from 28,213 crashes in 2024. TxDOT also reports that speeding and distracted driving are the most common causes of crashes in the city.
Dallas police also recorded 4,930 motor vehicle thefts in 2026, according to the city’s Crime Analytics Dashboard. That’s one reason Dallas drivers pay about 68% more for comprehensive coverage than the national average, according to National Association of Insurance Commissioners data.
The Texas Department of Motor Vehicles estimates that around 12% of drivers in the Lone Star State are uninsured. For this reason, Dallas drivers may want to add uninsured motorist coverage to their auto policy.
Traffic is especially heavy along major corridors like I-30, I-635 (LBJ Freeway), I-35E, and US Route 75. Stop-and-go traffic and bottlenecks are common during peak travel time, increasing crash risk and insurance claims. Dallas drivers lose an estimated 44 hours each year to traffic congestion, ranking the city No. 19 nationwide.[7]
You can use TxDOT’s network of traffic cameras to help you plan your route, especially during the winter. Ice storms can quickly create hazardous driving conditions and disrupt traffic throughout the region.
Auto insurance in Dallas is so expensive because of frequent severe weather, heavy traffic, and higher-than-average rates of vehicle theft and vandalism. Dallas recorded the third-highest number of crashes among Texas cities in 2024, according to TxDOT data.
Insurers use location factors such as weather, traffic, accident frequency, and crime to determine premiums in each city. Here’s how average rates in Dallas compare to those in Texas.
Driver Type | Average Monthly Premium |
|---|---|
| Dallas drivers | $187 |
| All Texas drivers | $166 |
Dallas car insurance can be expensive. Answers to the most common questions below can help you get the best deal on the coverage you need.
The average cost of car insurance in Dallas is $187 per month, according to Insurify data. That’s about $135 per month for state-minimum liability and $240 per month for full coverage, according to Compare.com data.
It depends. Texas doesn’t require full-coverage car insurance. But Dallas drivers may benefit from it because of frequent severe weather, heavy traffic, and higher-than-average rates of vehicle theft and vandalism.
State Farm, USAA, and GAINSCO are among the best car insurance companies in Dallas. Drivers looking for the cheapest rates, military-focused service, or coverage after a driving infraction may find one of these companies to be a good fit. But the best company for you depends on your coverage needs, driving record, credit history, and vehicle type.
Dallas drivers can typically get discounts for completing a defensive driving course, practicing safe driving habits, and staying accident-free. You may also qualify for a bundling discount when you buy your auto and renters or homeowners insurance with the same insurer. Drivers with an anti-theft device and young drivers who earn good grades can earn additional discounts.
Yes, the Texas Department of Insurance recommends uninsured/underinsured motorist coverage for all Dallas drivers. It estimates that around 12% of drivers don’t have insurance. Underinsured motorist coverage can also help pay for damages if the at-fault driver’s coverage limits are too low to cover your claim.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
