Table of contents
How much is car insurance in Dallas?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $4 a month more expensive to insure your vehicle in Dallas than it is in the rest of Texas.
Compared to the rest of the country though, auto insurance in Dallas is more affordable. The average monthly payment in Dallas is about $12 less than the rate for the rest of the U.S.
Keep in mind that these are the average auto insurance rates for Dallas, and that the rate you get could end up being something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
But don't worry, 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're not certain that you're getting the cheapest rate for your area, just enter your ZIP below to find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
More time behind the wheel makes you a more experienced driver. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay one and a half times as much as drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. That said, once you hit retirement, your rates may begin to creep back up a bit.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Dallas, although women do pay a little bit less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Dallas with one accident will pay around $75 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $83.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to minimize your how much you pay, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$63|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Dallas.
The monthly cost for insuring a car in Dallas is the same as for an SUV -- about $67 a month.
The average monthly cost for truck and van drivers, however, usually runs about $63.
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.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$69|
More often than not, those who have settled down into marriage will pay slightly less for their car insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
In Dallas, this difference is about $8 a month, with single drivers paying just short of $70 and married drivers paying a little over $60.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$95|
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 $8 a month more than those who own their own home in Dallas. Those who live with their parents, however, 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 average premiums.
Car Insurance Companies in Dallas, TX
Recent trends in car insurance for Dallas drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.
In Dallas, auto insurance rates held steady from 2016 until 2020, before jumping up to $76 a month in 2021.
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 many of the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Road Safety (total number of local car accidents)
- Area crime rates
- Total number of drivers in the area
- Off-street parking accessibility
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Dallas?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Dallas in just a few minutes.
Dallas Insurance FAQs
What factors affect car insurance quotes in Dallas?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Dallas different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
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?
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.