CHEAPEST AUTO INSURANCE HAS THE MOST DISCOUNTS:
- Multi-Car Discount
- Good Driving Discount
- Automatic Payment Discount
- Pay Your Policy in Full Discount
- Multi-Driver Discount
- Defensive Driving Discount
- Homeowners Discount
- Non-Smoker Discount
- Previous Insurance Discount
- Married Discount
- And Many More
Get Affordable Car Insurance in Dallas, Texas
Dallas is part of a metropolitan area that is home to more than 7 million people. In terms of population, only New York, Chicago and Los Angeles outrank Dallas-Fort Worth. The area’s growing urban sprawl has created one of Texas' largest highway systems, and local roadways are often crowded.
You'll need top-rated car insurance to protect you when you hit the road around DFW. With more than 35 years of experience behind us, Cheapest Auto Insurance has the expertise to help all Texas drivers find the right auto policies at the lowest prices.
Why You Need Auto Coverage
Driving risks are omnipresent in Dallas, and there were more than 32,000 accidents in the area in 2017. Therefore, having auto insurance is ideal for every driver.
By having a policy, you can reduce your risks of significant financial challenges after unfortunate accidents. The policy can help pay for such losses as your vehicle damage, injuries and related costs. It can also pay for the damage you cause others if you are held at-fault for the accident.
Texas Auto Insurance Requirements
The State of Texas requires all registered drivers to carry auto liability insurance. It will help you pay for the damage you might cause to others if an accident is your fault.
You must carry at least the following limits:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident (2 or more people injured)
- $25,000 property damage liability coverage per accident
Most drivers benefit from higher liability limits than the state minimums. Let our agents help you determine the coverage you want at a price you can afford.
Why Does Dallas Auto Insurance Cost More Than Other Nearby Cities?
Dallas is the third most populated city in Texas — right behind Houston and San Antonio — with roughly 1.341 million people. Also, 2 of the 12 fastest growing cities in Texas are within two hours of Dallas — those are Fort Worth and Waco. Generally, where there is higher population, there is a higher frequency of accidents and also uninsured drivers. These two factors have a huge impact on pricing for Dallas car insurance.
Below are a few ways you can combat the higher auto insurance rates in Dallas.
- Set your monthly payments on EFT
- Sign up for paperless billing
- Take a defensive driving course
- Drive safe. The fewer claims you turn in, the more likely your safe driving discount will stay intact.
Cheapest Auto Insurance can help you find cheaper car insurance in Dallas by going over all possible discounts. We can customize your policy for exactly what you need.
Expanding Coverage
Besides your liability insurance, your can invest in other coverage.
- Collision Insurance pays for damage your car sustains in a wreck.
- Comprehensive Coverage insures you for vehicle damage that is not related to a wreck. Losses from theft, fire, weather and more might have coverage.
- Personal Injury Protection (PIP Coverage) pays the medical bills of you and your passengers.
- Uninsured/Underinsured Protection covers your own losses if you collide with another at-fault driver who does not have the right liability coverage to repay you.
With additional protection, you can create a better security cushion for you and your vehicle. We cannot understate the importance for all Dallas drivers (yes, this means you, too) to carry expansive coverage.
Insuring Drivers of All Shapes And Sizes
We're in a unique position to help any driver pinpoint the perfect car insurance, regardless of the insurance risks you might pose. Besides standard policies, we offer non-owners insurance, motorcycle coverage, SR-22 options, high-risk coverage and more.
Car Insurance Frequently Asked Questions
How much is Dallas car insurance?
Dallas is one of the most-expensive cities for car insurance in Texas, and drivers typically pay over $1,000/year (roughly $80/month) for their coverage. Your exact rate will vary, however, based on factors like your driving record, the value of your car and your previous claims history. Let our agents help you tailor your coverage limits appropriately.
Who has the cheapest car insurance in Texas?
Cheapest Auto Insurance offers policies from more than 30 top auto insurance companies. Some insurers offer lower rates than others, depending on factors specific to the policy applicant. Our guarantee is that you will always pay the lowest rates on your coverage.
How does Non-Owners Insurance Work in Dallas, Texas?
Non Owners insurance can often be a confusing policy. On many of the policies in Texas, companies will add an exclusion of coverage if the vehicle is driven on a regular basis for a long period of time.
According to the Texas Department of Insurance, a "non-owner liability policy pays for damages and injuries you cause when driving a borrowed or rented car, but it doesn't pay for your injuries or damage to the car you are driving." Many customers use this coverage to simply get their license reinstated.
If you drive a vehicle on a regular basis and own the vehicle, it is best to actually insure that vehicle (rather than to purchase a non-owners insurance policy). Many times, Non-Owners Insurance is cheaper than a normal auto policy. That said, coverage is much more limited.
One of the things we do here at Cheapest Auto Insurance is help explain all your coverages so everyone can understand them. Feel free to give us a call at (214) 760-4883 or visit our local Dallas office to discuss a Non Owners Insurance Policy or any other questions you might have regarding auto insurance.
What is the average cost of Car Insurance in Dallas, Texas?
Drivers in Dallas pay an average cost of $1,680 annually for auto insurance. That figure is higher than the rest of the State of Texas, which is only paying $1,415 annually. This shows that Dallas car insurance is expensive. Drivers need to be aware of all possible discounts, so they can control their auto insurance costs. Prices can vary based on age, driving record and claims frequency.
How can age affect my Dallas Automobile Insurance policy?
Age definitely plays a factor in your automobile insurance premiums. Studies have shown that auto insurance customers who are in their 50s are within the age bracket that pays the least for car insurance. Customers in their 60s are just right behind them. Young drivers from ages 16 to 19 generally pay the most for automobile insurance. But once drivers get out of their teenage years, there is usually a substantial drop in their car insurance pricing. Finding cheap car insurance in Dallas can be very challenging, especially for young drivers. One thing young drivers can do is try to get a vehicle that they can afford is to just carry only state minimum liability auto insurance. This is more affordable than a full coverage auto insurance policy, which can be very expensive for teenage drivers.
Are Auto Insurance rates in Dallas based on your credit level?
Car insurance quotes in Dallas can be closely related to your credit score. Studies have shown that Dallas drivers who have better credit scores have a lower likelihood of having claims. That is one of the benefits of getting a quote from Cheapest Auto Insurance. We do not penalize Texas auto insurance customers for their credit level. We also do not use that as one of our rating factors. When you call us for a Dallas auto insurance quote, we will never ask you for your social security number — like many Dallas insurance companies will. Get a quick anonymous quote. The process takes less than 45 seconds. This is truly the world's fastest anonymous quoting system.
How can violations affect your car insurance rates in Dallas?
Having a good driving record is a great way to lower your auto insurance costs. Tickets for speeding, careless driving, DUIs or at fault accidents are just a few of the violations that can affect your automobile insurance. Auto insurance companies reward drivers who have a low risk of turning in a claim with lower prices.
Drivers that are convicted of careless driving ticket will pay the most extra in auto insurance premiums for their violation. It can be up to a 35 percent surcharge on your car insurance for this violation. This is a much higher surcharge than that which a driver gets after racking up a speeding ticket or running a stop sign.
Does my zip code affect my Auto Insurance quote in Dallas?
Yes. Zip codes are actually one of the main factors when insurance companies give you an auto insurance quote. So, the area you live in can be important when it comes to auto insurance rates. The main reason insurance carriers use a zip code as a rating factor is that crime, uninsured motorist incidences and theft claims can be different depending on your zip code you live in. Certain Dallas zip codes can be have much higher instances of these outcomes than others. So, before you move to your new home or apartment, call us and get a quote to see how your new zip code will affect you Dallas car insurance.
How can weather affect Dallas Automobile Insurance?
Weather has a big affect on your auto insurance in Dallas. Dallas receives 37.1 inches of rain a year (the national average is 38 inches). More rain results in dangerous roads that increases your chances of having a car accident. Also, snow and hail storms play a huge factor in rating. The more hail storms Dallas has, the more cars that get damaged. Hail is a covered peril on your Texas insurance policy if you have Comprehensive coverage.
It's very important to know what kind of coverage you have on your car insurance policy. According to the National Weather Service, any specific location in Dallas metro area can expect to receive an average of 2 to 3 hail storms per year. The highest odds of a hail storm exist from March through May. I personally have been stuck in these Dallas hail storms. Many times, the best thing to do is just pull over and wait the storm out.
One way to avoid the perils of hail is to park your vehicles in your garage or under your carport. As far as snow, it only snows about 1 inch a year, which is less than national average. Recently, snowfall has been scant in Dallas.
What are my options for Day-to-Day driving in Dallas?
- Dallas Highways: Interstate 30, Interstate 35, and US 75
- Public Transit: DAFT Rail, DART Bus
- Toll Roads: Dallas North Tollway, President George Bush Turnpike, Sam Rayburn Tollway
- Ridesharing: Uber and Lyft
- City Parking: City of Dallas Parking, Parking Panda in Dallas
Do Dallas Vehicle Insurance rates relate to marital status?
In many cases, an auto insurance customer's car insurance rates can be affected by their marital status. In most situations, married drivers pay more than single drivers for automobile insurance in Dallas. This is based on data that married drivers are less likely to turn in a claim. The other category that comes in to play is widowed drivers. Generally, these drivers have cheaper car insurance than other single people do.
Does Dallas Car Insurance pricing differ by gender?
Most auto insurance carriers rate differently based on gender. Male drivers generally pay $10 more annually for auto insurance in Dallas compared to a female driver. There are some exceptions to every rule and this insurance rating factor can differ per state.
Get Started Today
Cheapest Auto Insurance wants to be your neighborhood insurance partner in Dallas. You can reach one of our agents via phone at (214) 760-4883 or get an instant online quote now!
E-Sign Accepted Here
We are happy to offer an e-sign option for anyone that can’t make it to an office to sign paperwork. We want to make the process as easy as possible for you.
Note All rate data is generated as part of The Zebra's industry-leading annual insurance rate study.
Testimonials:
Darion M
September 2, 2018
"Professional, very quick service!"