The Cheapest Auto Insurance Companies in Dallas, Texas, in 2026
State Farm has the cheapest car insurance rates in Dallas, averaging $63 per month.
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Written byMandy Sleight
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Mandy SleightInsurance Writer
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Edited byLequita Westbrooks
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Lequita WestbrooksSenior Editor
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Reviewed byMark Friedlander
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Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
Updated
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Car insurance in Dallas costs more than in many other Texas cities, with an average monthly cost of $186. That’s partly because Dallas has heavy traffic and higher accident and vehicle theft rates than most other Texas communities.[1]
But companies like State Farm and Allstate offer some of the lowest rates in the Dallas-Fort Worth Metroplex.
Below, we break down average costs and the cheapest auto insurance companies in Dallas for different driver profiles and coverage types.
Key Takeaways
The cheapest car insurance company in Dallas is State Farm, with rates as cheap as $63 per month for a liability-only policy.
Dallas drivers pay an average of $134 per month for liability-only coverage and $238 for full coverage.
Nationwide, GEICO, and State Farm are some of our top picks for Dallas car insurance.
The Best Auto Insurance Companies in Dallas
You won’t find a single best car insurance company for every Dallas driver. The right choice depends on your budget, driving history, and coverage needs. We chose the following insurers based on competitive rates in Dallas, available discounts, coverage options, and customer ratings and reviews.
| J.D. Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 639 |
|---|---|
| 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 /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. | $141/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. | $277/mo |
Showing recent national reviewsSee all 7 Nationwide reviews
Verified Review
Reviewed in North Carolina on December 18, 2025
I would shop around depending on how much coverage you need. Nationwide has handled my past claims, although, as you might suspect, there were some frustrating times spent trying to glean information from representatives. Nationwide has changed since I first started with them. They used to have independent agencies; now they seem to be just representative agencies with no real concern for people—just customers who pay their bills every month if they "accept" your business.
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+
Why we picked this company
Nationwide offers highly customizable full-coverage policies for Dallas drivers, including gap insurance and a total-loss deductible waiver.
Safe drivers have many ways to save, including the highly rated SmartRide telematics program, a vanishing deductible, and accident forgiveness. Low-mileage drivers may save even more with its SmartMiles pay-as-you-go insurance policy. Drivers should note that Nationwide requires a five-year clean driving record to earn the safe driver discount.
| 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. | 4.6 /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. | $100/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. | $214/mo |
4.0
Best choice in Dallas, TXBased on 718 verified guest reviews and ratings
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about GEICO
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
AI-generated from the text of verified reviews collected by Compare.com
Showing recent national reviewsSee all 275 GEICO reviews
Verified Review
Reviewed in Florida on May 24, 2026
The company was very helpful and responsive when I had a claim, but they also canceled my policy as soon as my license was suspended.
Verified Review
Reviewed in Iowa on May 10, 2026
The price keeps increasing.
Verified Review
Reviewed in Colorado on May 7, 2026
Great price.
…
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
GEICO earns above-average customer satisfaction ratings in Texas thanks to its competitively low rates, wide range of policy discounts, and easy-to-use digital tools.
Dallas drivers with safe vehicles and driving habits, clean driving records, and who have membership, educational, or professional affiliations tend to see the biggest savings. You can save even more by qualifying for discounts for early and online shopping and going paperless.
Pros
Competitive rates
24/7 online support
Many available discounts
Cons
Rates can increase with DriveEasy
Below-average claims satisfaction rating
Few local agents
| 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. | 4.7 /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. | $63/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. | $124/mo |
4.0
Best choice in Dallas, TXBased on 845 verified guest reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.9 | 3.2 |
| Customer service | 3.9 | 3.6 |
| Discounts | 3.6 | 2.9 |
| Policy transparency | 3.7 | 3.1 |
| Value | 3.6 | 2.9 |
How drivers feel about State Farm
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.
AI-generated from the text of verified reviews collected by Compare.com
Showing 6 Texas reviews for Dallas driversSee all 329 State Farm reviews
Verified Review
Reviewed in Texas on May 14, 2026
I've found that on my new lease, the price has gone up considerably.
Verified Review
Reviewed in Texas on May 13, 2026
Too costly for senior drivers who don't drive much, are on low income, have older cars, and only need state-mandated coverage with no tickets against them. Auto insurance companies need to offer affordable insurance.
Verified Review
Reviewed in Texas on May 9, 2026
I am satisfied with the quality of service that I have received during these last 6 years with my insurance company.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company
Dallas is home to many local State Farm agents who can provide personalized service and help you tailor your coverage to your specific needs.
Drivers younger than 25 can show off their safe driving skills and save even more with the Steer Clear driving training program and the Drive Safe & Save telematics program. Bundling additional vehicles and home or life insurance could help you get even lower rates with State Farm.
Pros
Lowest average rates in Dallas
Easy claims process
Rideshare coverage available
Cons
Doesn't offer accident forgiveness coverage
Poor Trustpilot rating[5]
Policies must be purchased through a local State Farm agent
The Cheapest Car Insurance Quotes in Dallas
Comparing car insurance quotes is one of the best ways to get affordable auto insurance in Dallas. With so many options available, knowing which companies offer the cheapest rates can save you time and money.
Check out the table below for the cheapest car insurance companies in Dallas, according to Compare.com data.
We sourced the data in this table from Compare.com users who indicated they're existing customers of the insurers you see here.
How Much Car Insurance Do You Need in Dallas?
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You’ll need car insurance in Dallas. Texas law requires it, just like nearly every other state. The minimum liability coverage limits the Lone Star State requires are:[6]
$30,000 per person for bodily injury liability
$60,000 per accident
$25,000 per accident for property damage liability
Your insurer also has to offer personal injury protection (PIP) and uninsured motorist coverage with your auto insurance policy. PIP covers your medical expenses and lost wages from an accident. Uninsured motorist coverage protects you if you’re hit by a driver without insurance.
Both coverages are optional, and you can waive one or both by declining them in writing to your insurance company.
Should you buy full-coverage insurance in Dallas?
Full coverage typically combines liability, collision, and comprehensive coverage into one car insurance policy. It helps pay to fix or replace your car after an accident, no matter who’s at fault.
It’s worth it for most Dallas drivers — and it’s required if you’re financing or leasing a new car. Drivers who’ve paid off an older car with little value may not need full-coverage insurance.
Driving the busy roads of the Dallas-Fort Worth Metroplex increases your chances of injury or vehicle damage. Optional insurance coverages can help protect your wallet if something unexpected happens.
Consider including the following coverage options in your policy:
Collision coverage pays for repairs after an accident or single-vehicle rollover.
Comprehensive insurance covers theft, vandalism, weather damage, and other non-collision losses.
Rental reimbursement helps cover rental car costs after an accident up to the limits of your policies.
Roadside assistance covers towing, flat tires, jump-starts, fuel deliveries, and key lockouts.
Gap insurance covers the difference between your car’s value and the remaining loan balance after a total loss.
Estimated Cost: $186 per month
Category | Price |
|---|---|
| $78 | 3.8% |
| $96 | 5.3% |
| $115 | 7.0% |
| $134 | 7.9% |
| $152 | 7.9% |
| $171 | 8.4% |
| $189 | 7.6% |
| $208 | 7.5% |
| $227 | 6.8% |
| $245 | 5.8% |
| $264 | 5.5% |
| $282 | 4.8% |
| $301 | 4.0% |
| $320 | 3.7% |
| $338 | 3.1% |
| $357 | 2.9% |
| $376 | 2.4% |
| $394 | 2.0% |
| $413 | 1.9% |
| $431 | 1.6% |
40.3% of drivers like you pay less for car insurance. Compare quotes to save up to $1296 per year.
We sourced the figures you see here from Compare.com's database of more than 58 million real-life car insurance quotes. Actual rates may vary based on your unique driver profile.
Cheapest Car Insurance in Dallas by Driver and Coverage Type
Dallas car insurance rates vary widely based on factors like your age, driving record, credit history, vehicle type, and coverage levels. Understanding average costs for drivers with a profile similar to yours can help you get the right policy at the best rates.
The table below breaks down the cheapest insurance companies in Dallas by driver and coverage type, according to Compare.com data.
Driver or Coverage Type  | Cheapest Insurer |
|---|---|
| State-minimum coverage | State Farm |
| Full coverage | State Farm |
| Drivers with a speeding ticket | State Farm |
| Drivers with an at-fault accident | State Farm |
| Drivers with a DWI | State Farm |
| Teens | State Farm |
| Seniors | State Farm |
| Drivers with excellent credit | State Farm |
| Drivers with poor credit | State Farm |
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .
Cheapest liability-only coverage in Dallas: State Farm
State-minimum coverage helps pay for the other driver’s injuries and property damage if you’re at fault in an accident. Although it’s the most affordable car insurance option, it doesn’t cover your own vehicle repairs or medical bills. It works best for low-mileage drivers, older cars, or anyone who only needs basic protection and doesn’t have a high net worth.
In Dallas, the average minimum liability insurance rate is $134 per month. Let’s take a look at which insurers offer the cheapest minimum-coverage options in Dallas, according to Compare.com data.
The below rates in Dallas, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Liability Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $63 |
| Allstate | $88 |
| Mile Auto | $90 |
| Progressive | $91 |
| GEICO | $100 |
| USAA | $112 |
| Mercury | $123 |
| First Acceptance | $125 |
| The General | $129 |
| Alinsco | $132 |
| Lone Star | $134 |
| Commonwealth Casualty | $140 |
| GAINSCO | $140 |
| Nationwide | $141 |
| Clearcover | $143 |
| Bristol West | $144 |
| Dairyland | $145 |
| Covercube | $147 |
| Root | $147 |
| Mendota | $151 |
| AssuranceAmerica | $153 |
| Excepsure | $156 |
| Sun Coast | $157 |
| Safeco | $159 |
| Direct Auto | $163 |
| National General | $167 |
| Loop | $169 |
| Elephant | $172 |
| Chubb | $191 |
| Trexis One | $196 |
| 21st Century | $220 |
| Hugo | $223 |
| Insurify Car | $223 |
| Liberty Mutual | $263 |
| Foremost | $304 |
Cheapest full coverage: State Farm
Full coverage includes liability, comprehensive, and collision insurance to protect you and your vehicle from a wide range of risks, including accidents, broken glass, and animal damage. It’s best suited for drivers with newer or high-value cars, with a loan balance, or for those who can’t easily afford to pay out of pocket to fix their vehicle after a crash.
On average, full-coverage car insurance costs $238 per month in Dallas. Here’s a list of the cheapest insurers in Dallas for full coverage, according to Compare.com data.
The below rates in Dallas, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Full-Coverage Rates by Company
Company | Average Monthly Premium |
|---|---|
| State Farm | $124 |
| Progressive | $160 |
| Allstate | $175 |
| Mile Auto | $198 |
| Mercury | $201 |
| GEICO | $214 |
| USAA | $220 |
| Safeco | $237 |
| Root | $242 |
| Clearcover | $250 |
| Direct Auto | $259 |
| Alinsco | $263 |
| Elephant | $266 |
| GAINSCO | $272 |
| Nationwide | $277 |
| National General | $280 |
| Bristol West | $282 |
| The General | $286 |
| AssuranceAmerica | $293 |
| Mendota | $294 |
| Sun Coast | $310 |
| Commonwealth Casualty | $311 |
| First Acceptance | $313 |
| Loop | $317 |
| Lone Star | $318 |
| Covercube | $336 |
| Dairyland | $352 |
| Chubb | $374 |
| Liberty Mutual | $383 |
| Trexis One | $398 |
| 21st Century | $433 |
| Foremost | $630 |
Compare Real-Time Car Insurance Quotes in Dallas
Rates in Dallas start at $63 per month.
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4.7 out of 5 based on 691 reviews
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Cheapest after a speeding ticket: State Farm
Getting a speeding ticket often raises car insurance rates because insurers see you as a higher-risk driver. In Dallas, drivers with a recent ticket pay an average of $233 per month.
The good news is you don’t have to stick with your current insurance company. Switching to another insurer that’s more forgiving of tickets can help you avoid higher insurance premiums.
Check out the table below for the cheapest insurers in Dallas for drivers with a recent speeding ticket, according to Compare.com data.
The below rates in Dallas, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Rates With a Ticket
Company | Average Monthly Premium |
|---|---|
| State Farm | $80 |
| Mile Auto | $109 |
| Progressive | $114 |
| Allstate | $114 |
| GEICO | $131 |
| USAA | $145 |
| First Acceptance | $157 |
| Alinsco | $165 |
| Commonwealth Casualty | $167 |
| GAINSCO | $168 |
| Lone Star | $168 |
| Mercury | $170 |
| The General | $173 |
| Root | $175 |
| Dairyland | $180 |
| Bristol West | $182 |
| Clearcover | $182 |
| Nationwide | $183 |
| Covercube | $184 |
| Mendota | $189 |
| AssuranceAmerica | $195 |
| Excepsure | $195 |
| Sun Coast | $197 |
| Direct Auto | $205 |
| Elephant | $207 |
| National General | $209 |
| Safeco | $209 |
| Loop | $212 |
| Chubb | $243 |
| Trexis One | $246 |
| Insurify Car | $279 |
| Hugo | $284 |
| 21st Century | $290 |
| Liberty Mutual | $335 |
Cheapest after an accident: State Farm
An at-fault accident typically causes your auto insurance rates to go up because insurers think you’re more likely to file future claims. Drivers in Dallas with a recent accident pay around $248 per month for car insurance, based on our research.
That said, you can often avoid rate hikes by shopping around and finding a cheaper insurer. Consider the companies in the table below for some of the lowest rates in Dallas after an at-fault accident, according to Compare.com data.
The below rates in Dallas, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Rates With an Accident
Company | Average Monthly Premium |
|---|---|
| State Farm | $84 |
| Allstate | $119 |
| Progressive | $121 |
| Mile Auto | $122 |
| GEICO | $132 |
| USAA | $151 |
| First Acceptance | $166 |
| Alinsco | $176 |
| The General | $178 |
| Lone Star | $178 |
| GAINSCO | $180 |
| Mercury | $185 |
| Root | $186 |
| Commonwealth Casualty | $186 |
| Nationwide | $191 |
| Bristol West | $191 |
| Dairyland | $193 |
| Covercube | $196 |
| Mendota | $201 |
| AssuranceAmerica | $204 |
| Clearcover | $204 |
| Excepsure | $208 |
| Sun Coast | $209 |
| Safeco | $222 |
| Direct Auto | $223 |
| National General | $223 |
| Loop | $225 |
| Elephant | $226 |
| Chubb | $256 |
| Trexis One | $261 |
| Insurify Car | $297 |
| Hugo | $297 |
| 21st Century | $301 |
| Liberty Mutual | $351 |
Cheapest after a DWI: State Farm
A driving while intoxicated (DWI) conviction is one of the biggest red flags to insurers that you’re a high-risk driver and likely to file a claim. It often comes with a substantial rate increase, and your insurer may even decide not to renew your policy.
Dallas auto insurance averages $89 per month after a DWI. That said, you can usually get a lower rate if you switch to an insurance company that specializes in high-risk drivers.
Here are the cheapest insurers in Dallas for drivers with a DWI, according to Compare.com data.
The below rates in Dallas, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Rates With a DWI
Company | Average Monthly Premium |
|---|---|
| State Farm | $89 |
| Allstate | $124 |
| Progressive | $126 |
| Mile Auto | $127 |
| GEICO | $140 |
| USAA | $158 |
| First Acceptance | $173 |
| The General | $176 |
| Alinsco | $182 |
| Lone Star | $185 |
| Mercury | $185 |
| Commonwealth Casualty | $192 |
| Clearcover | $193 |
| GAINSCO | $198 |
| Nationwide | $199 |
| Covercube | $203 |
| Bristol West | $203 |
| Dairyland | $205 |
| Root | $207 |
| Mendota | $208 |
| Excepsure | $215 |
| AssuranceAmerica | $216 |
| Sun Coast | $217 |
| Direct Auto | $230 |
| Loop | $233 |
| National General | $236 |
| Safeco | $238 |
| Elephant | $243 |
| Chubb | $270 |
| Trexis One | $271 |
| 21st Century | $299 |
| Insurify Car | $308 |
| Hugo | $315 |
| Liberty Mutual | $371 |
Cheapest for teens: State Farm
Teen drivers between the ages of 16 and 19 are over three times more likely to be involved in an accident than other age groups.[7] Inexperience and a much higher accident rate mean teens and young drivers typically pay the most for Dallas car insurance.
The average Dallas teen pays around $364 per month for auto insurance coverage. But that doesn’t mean you’re stuck paying sky-high insurance rates with a teen on your policy.
The chart below shows the insurers with the cheapest teen rates in Dallas, according to Compare.com data.
The below rates in Dallas, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Rates For Teens
Company | Average Monthly Premium |
|---|---|
| State Farm | $127 |
| Progressive | $178 |
| Allstate | $180 |
| GEICO | $188 |
| Mile Auto | $191 |
| USAA | $215 |
| Root | $232 |
| Mercury | $234 |
| The General | $241 |
| First Acceptance | $244 |
| Clearcover | $245 |
| Alinsco | $258 |
| GAINSCO | $258 |
| Lone Star | $262 |
| Dairyland | $263 |
| Bristol West | $265 |
| Commonwealth Casualty | $273 |
| Nationwide | $285 |
| Covercube | $287 |
| Mendota | $295 |
| Excepsure | $305 |
| Sun Coast | $307 |
| Elephant | $319 |
| AssuranceAmerica | $328 |
| Direct Auto | $328 |
| Loop | $331 |
| Safeco | $334 |
| National General | $345 |
| Trexis One | $383 |
| Chubb | $406 |
| 21st Century | $410 |
| Hugo | $426 |
| Insurify Car | $436 |
| Liberty Mutual | $479 |
Cheapest for seniors: State Farm
Senior drivers usually get cheaper car insurance coverage because decades of driving experience often mean safer habits and fewer claims, which insurers reward with lower average rates.
Senior drivers in Dallas pay, on average, $158 per month. Still, you can often find an even better deal by shopping around and comparing auto insurance quotes.
We list the five cheapest insurers for Dallas seniors in the chart below, according to Compare.com data.
The below rates in Dallas, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Rates For Seniors
Company | Average Monthly Premium |
|---|---|
| State Farm | $49 |
| Mile Auto | $70 |
| Allstate | $71 |
| Progressive | $77 |
| GEICO | $79 |
| USAA | $90 |
| Mercury | $97 |
| First Acceptance | $106 |
| Nationwide | $107 |
| The General | $109 |
| Commonwealth Casualty | $112 |
| Alinsco | $112 |
| Lone Star | $114 |
| AssuranceAmerica | $119 |
| GAINSCO | $119 |
| Bristol West | $119 |
| Dairyland | $122 |
| Covercube | $125 |
| Clearcover | $126 |
| Mendota | $128 |
| National General | $130 |
| Direct Auto | $133 |
| Excepsure | $133 |
| Sun Coast | $133 |
| Root | $134 |
| Safeco | $138 |
| Elephant | $139 |
| Chubb | $143 |
| Loop | $144 |
| Trexis One | $167 |
| 21st Century | $172 |
| Insurify Car | $190 |
| Hugo | $192 |
| Liberty Mutual | $217 |
Cheapest for bad credit: State Farm
Many Dallas insurers use credit history to predict your claim risk. You’ll likely pay more for car insurance with bad credit, as research shows you’re more likely to file claims and cost insurers more to cover.[8]
Drivers in Dallas with poor credit pay an average monthly cost of $233. But not all insurers use credit as a rating factor, so it’s possible to find affordable rates even if your credit isn’t great.
The chart below highlights Dallas’ five cheapest insurers for drivers with poor credit, according to Compare.com data.
The below rates in Dallas, TX, are estimated rates current as of: Wednesday, June 3 at 5:00 PM PDT.
Cheapest Rates With Bad Credit
Company | Average Monthly Premium |
|---|---|
| State Farm | $91 |
| Allstate | $109 |
| Mile Auto | $111 |
| Progressive | $114 |
| GEICO | $124 |
| USAA | $137 |
| Mercury | $151 |
| First Acceptance | $156 |
| The General | $160 |
| Alinsco | $165 |
| Lone Star | $168 |
| Commonwealth Casualty | $173 |
| GAINSCO | $173 |
| Nationwide | $174 |
| Clearcover | $177 |
| Bristol West | $178 |
| Dairyland | $179 |
| Root | $182 |
| Covercube | $184 |
| Mendota | $189 |
| AssuranceAmerica | $189 |
| Excepsure | $195 |
| Sun Coast | $196 |
| Safeco | $197 |
| Direct Auto | $202 |
| National General | $207 |
| Loop | $211 |
| Elephant | $213 |
| Trexis One | $245 |
| 21st Century | $272 |
| Hugo | $276 |
| Insurify Car | $279 |
| Chubb | $305 |
| Liberty Mutual | $315 |
Find the Best Company for You
Local rates start as low as $63 per month.
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4.7 out of 5 based on 691 reviews
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Dallas Auto Insurance FAQs
If you still have questions about Dallas car insurance coverage, we’ve answered the most common questions drivers ask below.
How much is car insurance in Dallas?
Car insurance in Dallas costs around $186 per month. Liability-only insurance averages $134 per month, and full coverage costs $238 per month, according to Compare.com data.
What’s the cheapest auto insurance company in Dallas?
The cheapest auto insurance company in Dallas is State Farm. Its rates start at $63 per month for a liability-only policy, according to our research.
What’s the best car insurance company in Dallas?
You won’t find a single best company in Dallas for every driver because the best car insurance company offers the coverage you need at the most affordable price. The right company depends on your age, driving record, insurance needs, and vehicle type. That said, our data shows that Nationwide, GEICO, and State Farm are among the top insurers for Dallas drivers.
Is car insurance in Dallas expensive?
The cost of your Dallas insurance depends on several factors, including your address, driving history, age, and more. Car insurance averages $186 per month in Dallas, compared to the statewide average of $165, and the national average of $140 per month. Still, your personal rate in Dallas depends on several factors, including your address, driving history, age, and more.
Is minimum coverage enough in Dallas?
Most insurance experts recommend buying more than the minimum coverage limits in Dallas. If you total someone’s car or cause an accident involving multiple vehicles or injuries, minimum coverage may not be enough to cover the costs.
What’s the cheapest full-coverage insurance in Dallas?
State Farm has the cheapest full-coverage insurance in Dallas, averaging $238 per month, according to Compare.com data.
Why is car insurance so expensive in Texas?
Texas has higher minimum coverage requirements, more litigated accident claims, more severe weather, higher repair costs, and more uninsured motorists, all of which make car insurance more expensive than in many states.
What car insurance is recommended for Dallas drivers during hail season?
Comprehensive coverage pays for non-collision claims, including hail and other weather damage. If you want coverage for hail damage, consider including comprehensive coverage in your policy during hail season in Dallas.
Are there any discounts available for auto insurance in Dallas?
Yes. Many car insurance discounts are available in Dallas, though they vary by insurance company. Most insurers offer discounts for having multiple cars, bundling homeowners or renters insurance, going paperless, getting an early free quote, and paying your bill in full.
Sources
- CrimeGrade.org. "Dallas, TX Vehicle Theft Rates and Vehicle Theft Maps."
- Jdpower.com. "2025 U.S. Insurance Digital Experience Study."
- Jdpower.com. "2025 U.S. Auto Insurance Study."
- Jdpower.com. "2025 U.S. Auto Claims Satisfaction Study."
- Trustpilot. "State Farm."
- Texas.gov. "Auto insurance guide."
- Iihs.org. "Teenagers."
- Texas.gov. "Credit scoring and insurance."
Methodology
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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Mandy SleightInsurance Writer
Lequita WestbrooksSenior Editor
Mark FriedlanderSenior Director, Media Relations | Insurance Information Institute
Senior Director, Media Relations, with Triple-I
30+ years of industry experience
Leadership positions at several trade organizations
