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 in Dallas
Insurance in Dallas
Most of the insurance policies in Dallas are more expensive compared to the national average. This is mainly due to Dallas being such a large metropolitan area. Homeowners and auto insurance take up a major portion of the insurance sold in Dallas. Another term used for these 2 types of insurance sectors is categorized as Property and Casualty Insurance. Our local Dallas retail stores only provide Auto and Motorcycle insurance policies. Many of our competitors in Dallas sell many different kinds of insurance coverage so we feel this gives us a competitive advantage because here at Cheapest Auto Insurance we have a strong niche market by putting our entire focus on car insurance. We mainly sell Motorcycle insurance to help our current customers out. Automobile insurance is our specialty and because we focus solely in this insurance sector, we priced our rates very competitively and know the coverages in and out. Insurance companies who sell 30 different types of insurance may struggle mastering the insurance product you are looking for and because that is not their sole focus their price may reflect that. No matter what insurance product you are looking for in Dallas we advise you speaking with a licensed insurance agent before purchase a new policy to be sure you are covered adequately. Insurance can be complicated and there can be certain endorsements and exclusions you may or may not be aware of, that a licensed agent could explain to you.
Liability Car Insurance in Dallas
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
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.
Dallas Auto Insurance
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.
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.
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, SR-22 options, high-risk coverage and more.
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. For more information you can watch this video!
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. For more information click here!
What is the average cost of Car Insurance in Dallas, Texas?
- $1,680 Dallas Average (Annual)
- $1,415 Texas Average
- $1,548 U.S Average
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?
Getting around Dallas can an overwhelming experience due to it's large population and the many drivers on the road. If you are unfamiliar with Dallas and it's different highways it could be scary for you. Below are the different transportation options to help you get around 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.
Full Coverage Insurance in Dallas
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. Most people like to add on rental and towing to their policy if they have full coverage but that is going to cost extra. On average Roadside assistance costs $8 per month and Rental Car Reimbursement Coverage is about $12 monthly. It can really pay off to carry full coverage in Dallas with it having a high rate of traffic accidents.
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.
How to find an auto insurance broker near me?
Dallas is full of auto insurance brokers so it can be a little overwhelming when searching for Dallas auto insurance. An auto insurance broker is an independent auto insurance agency that writes through multiple companies. Some of these agencies can write up to 50 different carriers which has its positives and its negatives. Many times, these auto insurance agencies have the lowest price. But sometimes because of writing through so many different auto insurance companies the service may not be as good due to all the rules and guidelines each company requires the agencies to abide by and every company usually has different guidelines. For more information on auto insurance brokers in Dallas click here!
Understanding car insurance rates in Dallas
Auto Insurance companies use many rating factors when pricing auto insurance. Here are some factors that weigh heavy on your auto insurance prices. Some are in your control but as you can see others are not.
- Weather- Hail and flooding are covered under you comprehensive coverage and can cost auto insurance companies a lot of money when those heavy storms roll through Dallas.
- Uninsured motorists- People who drive without insurance and have an at fault accident causing bodily injury or vehicle damage to others have a big impact on auto insurance prices. Because the innocent party has to file a claim on their insurance and that insurance company has to pay that claim despite their insured not being at fault.
- Credit and claims history- Some Insurance companies utilize customers credit scores and claims history to foresee the likelihood of them turning in future claims.
How many insurance places are there in Dallas?
There are over 500 auto insurance companies in Dallas alone. So, it can be overwhelming when shopping for auto insurance in a large city like Dallas. A good way to shop auto insurance quotes in Dallas is to pick a few of the top rated insurance companies and get quotes from them. Whether you use Google, Facebook, or just word of mouth, these are all great ways to find the best auto insurance company for your situations. Also auto quote comparison sites are becoming more and more popular like The Zebra for example. For more information click here!
How to find cheap car insurance in Dallas
There are several things you can do to find cheap car insurance in Dallas, here are a few things:
How to lower your car insurance
Taking advantage of all the discounts that you can is the best way to lower your car insurance when shopping for auto insurance in Dallas. It helps to always set up your billing on automatic withdraw and on Paperless billing, this alone can lower your rates up to 10%. Also, some auto insurance companies offer a 7-10% discount for taking a defensive driving course. Dallas auto insurance can be expensive so take advantage of every opportunity you have to save money and be sure to shop around at your renewal time to make sure your company is still the cheapest.
Should I be careful purchasing cheap car insurance in Dallas?
Yes, it is important to make sure the auto insurance company you choose is a company that can pay your claim in case you have one and service your policy at a high level. We all want cheap auto insurance but like in many cases you can get what you pay for when it comes to auto insurance. Dallas auto insurance is not cheap so always beware if you are getting auto insurance quotes and every auto insurance company is quoting you around $100 a month and one company is quoting you $50 monthly; this would be a red flag. Odds are this insurance company does not have the secret sauce that no other company does. Some new companies will come in with cheap insurance prices to grab a large part of the market then raise your prices by a large amount at renewal.
How to find the nearest insurance companies near me
One thing Dallas does not have a shortage of is auto insurance companies. There is one seemingly on every block. So, you should have no problem finding an insurance company near you. Be sure your location settings are turned on in your cell phone settings and when you are searching in Google be sure to do you search criteria on the closest location to you setting. It should then pull up numerous options of auto insurance companies to choose from in Dallas.
Auto insurance Companies in Dallas
There are many auto insurance companies in Dallas to choose from. When searching for the best one for your situation be sure to always read reviews from actual customers. Most auto insurance companies in Dallas are either holding rates steady this year and some are even dropping rates or giving customer rebates back due to the Covid-19 situation. As long as there are no more major CAT losses rates should hold steady. But if hurricanes or severe hail storms start coming in that definitely could raise auto insurance prices in Dallas.
How do Auto Insurance Companies in Dallas set their prices?
Auto insurance companies in Dallas have many different factors they use to set their prices. Here are a few of those factors:
- Driving record for last 3 years
- Age
- Zip code
- Credit Score
- Prior Insurance History
These are just to name a few but understanding how auto insurance companies work can be a good thing to know so you can get the lowest possible price. Some of the larger insurance companies have hundreds of different factors. Whereas the smaller non standard insurance companies or MGA's will have many less factors that go into their rating factors. Most of them do not even look at credit. So if your credit is not very good it may be a good idea to get a quote from one of these auto insurance companies. You can find these companies by finding an auto insurance broker in Dallas who writes for numerous companies, this gives you a wide variety of options.
Future of Insurance in Dallas
Insurance in Dallas is changing all the time with the new tech companies coming into the market you can purchase almost any type of insurance completely online. With Dallas being one of the largest metropolitan areas in the U.S. it makes for a very competitive market when it comes to the insurance industry. Starting an insurance policy completely online is a very different experience than most people are used to because for so many years, working directly with an agent face to face was the only way to go. Homeowners and commercial insurance are some of the few sectors in insurance that is difficult to do completely online due to the complexities of the policies. There can be a lot of exclusions and endorsements in these policies that for the consumer may be difficult to understand. But we feel the future of insurance is a direct-to-consumer model, especially in the younger generations. Face to face may not go away completely but with the amount of new tech companies coming into the industry we expect insurance to continue to head in that direction on a furious pace, especially in the automobile insurance sector. Car insurance is much easier to purchase compared to other segments of insurance. Many of these new tech companies have affordable auto insurance rates but it is yet to be seen how claims are handled and can they be profitable on the underwriting side, which usually takes years to tell. Thankfully at Cheapest Auto Insurance we have companies that allow Dallas drivers to start their policy online yourself or come face to face to speak with our agents at our one of our multiple locations in Dallas.
Importance of doing annual auto insurance check-up
Our lives are always changing and so are our coverage needs for our auto insurance policy. It is important to contact your auto insurance company or auto insurance broker on a yearly basis to go over your policy with them. Here are a few things to mention to your company or broker to make sure you are still covered correctly:
Make sure you have all the discounts you deserve on your policy and do they suggest any more discounts you should look at.
If you just bought a home you should consider bundling that with your auto insurance policy for a multi-policy discount.
If you have gone from liability to full coverage recently be sure to go over with them what all is on your full coverage policy. Here are a few coverages that don’t come on a normal full coverage quote. Medical payments, Uninsured Motorist Coverage, Rental and towing are just to name a few.
Cheapest Auto Insurance strives to make sure all customers have the time and attention they need from us to be sure they have the coverage they need. Call or text one of our experienced agents to review your coverage today!
Best Insurance Companies in Dallas
It is important to research an insurance company before you purchase an insurance policy. We have found one of the best ways to find top insurance companies is to view their google reviews. We have 3 locations located in Dallas and you can see each of our locations reviews to see what customers really think about us. Obviously, we are not perfect and we make mistakes just like every other insurance company but as you can see with all of our reviews, we really try to take care of every customer no matter what their situation is. Our goal is to provide affordable auto insurance to every Dallas driver regardless of driving record, insurance history, or credit score. We represent many insurance companies in Dallas which gives us a good advantage to help you save money on your insurance. Here are our reviews you can review; we would love to help you save money on your car insurance today!
9304 Forest Lane, Suite S140
10216 East Northwest Highway
11728 Ferguson Road
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.