Cheapest Auto Insurance
Dallas, Texas

 

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.

Additional Coverage Options

• Non-Owner's Insurance
• SR-22 Insurance
• Full Coverage Insurance

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.

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.

How much is car insurance in Texas per month?

The cost of insurance varies based on a number of factors — some of which are determined by if you want liability or full coverage. Liability is going to be much cheaper than full coverage. Also your age and driving record are big factors in pricing. Cheapest Auto Insurance provides cheap car insurance quotes for drivers in Dallas. We strive to get every customer maximum discounts. Since we write through many different auto insurance companies in Dallas, we can get you the discounts you deserve.

 

What is considered full coverage in Texas?

When you carry at least 30/60/25 liability limits plus a minimum of at least a $1000 deductible, this is considered the basic full coverage policy in Texas.

How much is full coverage insurance in Texas?

Prices of full coverage insurance varies based on Age, Zip Code, type of vehicle, and driving record. The best way to find out an accurate price is getting online auto insurance quotes and comparing the different prices and options. Another name for full coverage insurance is comp and collision insurance.

Do I need Comp and Collision Insurance?

If you have a loan on your car, many banks will require you to carry comp and collision insurance. Our cheap full coverage insurance prices are some of the best in Texas. Many car lots will not let you leave the car lot without proof of full coverage insurance. We can provide you the declaration page, so you can leave the car lot knowing your insurance is in good hands.

What does Comp and Collision Insurance cover?

It covers damage to your car in case of an accident. Comp will protect you against hitting an animal, hail, flood or theft. Collision covers your vehicle when it collides with another car or object.

What is difference between Comp and Collision Insurance?

Collision Insurance covers automobile damage during a covered accident in a collision with another car or object. Comp covers damage to an automobile caused by theft, vanalism or hail.

How can I get low-income car insurance in Texas?

Auto Insurance is actually not based on income level. There are many different factors insurance companies look at, but income level is not one of them. Some companies do look at credit score when determining rates, but not all do. Cheapest Auto Insurance does have companies that do not look at credit score as a factor.

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!

• Texas Auto Insurance Guide

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.

Proud Members Of: