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How much is car insurance in Dallas?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Dallas are about the same as the rest of Texas.
If you're thinking of moving to Dallas from out of state, you may still be in luck. It's around $12 less to insure your vehicle compared to the average rate for the United States as a whole.
While these are the average costs to insure your vehicle in Dallas, keep in mind that you could end up paying a different amount. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
But worry not, we've done the heavy lifting and broken down the average rate for Dallas to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Dallas Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Dallas may see their rates climb back up a bit once they hit retirement age.
Dallas Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Dallas, however, male and female drivers both pay, on average, $68 for their monthly policy premium.
Dallas Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. The rate for drivers in Dallas with a single accident on their record is about $79 a month. In addition, drivers with a single ticket on their record can expect to pay around $79 a month on average.
Dallas Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$70|
|15 Years or Older||$64|
According to the first table above, the cheapest vehicles to insure in Dallas are by and large trucks and vans, at $65 per month.
Car owners will see a monthly rate of about $69, while SUV owners typically pay around $67 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, if your car is close to 5 years old, you can expect to see your rates start dropping back down. In Dallas, the most expensive vehicles to insure are vehicles less than or equal to one-year-old and six-to-seven years old.
The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, you may see your rates begin to drop back down. The most expensive vehicles to insure in Dallas, however, are vehicles eleven-to-fourteen years old.
Dallas Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$71|
Generally speaking, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
In Dallas, the difference in rates based on relationship status can be as much as $9 a month.
Dallas Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$94|
Your living situation is another component of how insurance companies calculate your monthly rate. Homeowners in Dallas can expect to pay around $8 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Dallas, TX
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 picking an insurance policy.
In Dallas, auto insurance rates declined from 2017-2018, before steadying out in 2019. Car insurance rates finished down in 2022, at $68 a month
How does Dallas compare to neighboring areas?
Why are car insurance rates in Dallas different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live and drive. These include things like:
- Number of drivers in the area
- Amount of off-street parking
- Road safety
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Dallas?
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.
Luckily, Compare.com does all of that work for you. Enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Dallas.
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Dallas Auto 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 credit score, driving record, address, and marital status.
Why is the cost of car insurance in Dallas different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, 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?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?
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