How Much Is Auto Insurance In Dallas?

Paying for car auto insurance in the state of Texas, which has higher premiums than the national average, is pretty costly. Dallas happens to be one of the three most expensive within Texas on top of that. Don’t worry, that doesn’t mean that affordable car insurance in Dallas is impossible. Let’s take a look at the average cost for car insurance in Dallas under different circumstances. 

Full Coverage For An Average Good Driver In Dallas

Value Penguin did a survey of rates for a 30-year-old single man with a clean driving record and found that these were the top five cheapest annual rates for car insurance:

• Geico $1,288

• Progressive $1,382

• Texas Farm Bureau $1,464

• State Farm $1,620

• Mercury $1,896

That’s quite a range from $1,288 to $1,896, so you can see how important it is to do comparison shopping. 

How Much Does My Zip Code Affect My Car Insurance Premiums In Dallas?

Insurance rates are based on a lot of factors such as your age, the car you drive, your credit score, your driving history, and several other things that are weighted differently by different companies. One thing that certainly has an impact on your rates is where you live. Rates are partially based on location-based factors such as population, safety, and number of accidents in the area. Also, more affluent areas tend to own the most expensive vehicles which also raises the average premium. 

The three areas of Dallas that have the highest car insurance premiums are:

• Cadillac Heights $1,744

• Deep Ellum $1,718

• Oak Lawn $1,625

The Cost Of Car Insurance For Families With Teens In Dallas 

Finding the average cost of car insurance for a single man is one thing, but many car insurance shoppers are either married couples or families with teens who are already driving or soon will be. You might be wondering what car insurance is going to cost you when you add on the most expensive demographic, teen drivers. 

Nerd Wallet suggests the following companies for the best rates when you need a family plan that includes teenagers: 

• Geico $3,247

• Texas Farm Bureau: $3,717

• Republic Group: $4,137

• Auto Club of SoCal: $4,880

• State Farm: $5,064

Make sure your teens take a defensive driving course, maintain good grades, and don’t engage in any activities that result in accidents (driving late at night, speeding, using their phone while driving, driving with several other teens in the car). 

When you’re shopping for the best rates, make sure to compare the discounts each company is offering. Some auto insurance companies are known for safe driver discounts while others have accident forgiveness. The company you choose will not only have the best base rates but offer discounts that fit your situation and family the best. If you have any trouble comparing rates you can see your local auto insurance broker for additional details and help to choose a low rate plan that works for you.