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What Causes High Auto Insurance Rates In Dallas, Texas, And How To Get The Best Deal

Texas and especially Dallas, TX has some of the highest average auto insurance premiums in the US. The minimum liability coverages required by law can be quite expensive by themselves and even more so if you wanted to get full coverage. 

What Causes The High Premiums in Dallas?

The city of Dallas has one of the highest rates of fatal car crashes yearly in the US. In fact, between 2011 and 2015 there were 664 fatal crashes in the area. The most dangerous highways are I-30 and I-35. The rates are also significantly different between neighborhoods so make sure to check your zip code for rates. This is because specific roads and areas also have high rates of accidents and accidents with fatalities. 

Dallas is also known for high speeds on the highways, up to 80 miles per hour, regardless of the posted signs and a high rate of speeding through yellow lights. These are things that can result in tickets and accidents that, in turn, raise insurance rates. 

What Is The Minimum Auto Insurance You Must Carry In Dallas?

Insurance minimums are set by the state. In Texas, they have a 30/60/25 law. This means you must have $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability. Again, the cheapest rates you can get on these required liability insurance coverages varies by city and zipcode. 

How To Get The Best Deal Possible On Auto Insurance In Dallas, Texas

Insurance companies are all about statistics and risk. They collect a huge amount of data, perform risk analysis and come out with a schedule of premiums based on the likelihood that their insured population will get into auto accidents. 

In Dallas, a single male driver in his 30’s with a clean driving record will get the lowest premiums. This is because data and statistics have told insurance companies that this profile of a drive has the least amount of accident risk. 


So what do people with more risk do to get lower rates? First, always drive safely and stay with in the right speed limits and avoid distracted driving. This will lower your likelihood of getting into future accidents. You can get some of your past driving record expunged through the court system. This is mostly of speeding tickets but those can really add up. In Texas you file a “deferred adjudication petition” to request old speeding tickets you’ve paid be removed from your public driving record. Lastly, keep your car well maintained by fixing tail lights and broken windows right away. 

These few things can make a large impact on the minimum premiums available to you in Dallas. 

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