Cheapest car insurance companies in Dallas 

After an in-depth analysis, Insurance.com found that Texas Farm Bureau and Nationwide are the cheapest car insurance companies in Dallas for 2023. 

Texas Farm Bureau is the cheapest option for most Dallas drivers, with an average annual rate of $1,644

Car insurance costs may vary in Dallas based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Dallas.

CompaniesAverage annual rates
Texas Farm Bureau$1,644
Nationwide$1,690
Geico$1,863
Redpoint County Mutual$1,948
USAA$2,014
State Farm$2,290
Auto Club Enterprises (AAA)$2,397
Progressive$3,496
Allstate$3,596

Cheapest car insurance cost in Dallas by Age Group 

Redpoint County Mutual is the cheapest option for car insurance in Dallas for teen drivers, with average annual premiums at just $1,948 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.

Among the carriers analyzed, Redpoint County Mutual is the cheapest car insurance option for drivers in Dallas, at $1,948 a year for a full coverage policy.

Drivers in Dallas stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. Texas Farm Bureau has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,627 a year

Texas Farm Bureau is the cheapest option for senior drivers in Dallas, with an average premium of $1,378 a year, significantly lower than most competitors, based on Insurance.com's in-depth data analysis. 

CompanyTeensYoung AdultsAdultsSeniors
FarmersN/A$6,233$3,889N/A
Redpoint County Mutual$1,948$1,948$1,948$1,948
Texas Farm Bureau$3,145$2,268$1,627$1,378
USAA$4,376$2,889$2,034$2,083
Geico$4,565$2,554$1,849$1,757
State Farm$6,144$3,668$2,289$2,163
Nationwide$6,472$3,080$1,680$1,672
Allstate$7,597$5,259$3,624$3,510
Auto Club Enterprises (AAA)$7,831$4,387$2,446$2,460
Progressive$8,466$5,634$3,531$3,470

Cheapest car insurance companies in Dallas by driver profile 

When determining car insurance rates in Dallas, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.

Comparison shopping is the key to getting the cheapest car insurance rates in Dallas. By comparing rates from multiple providers, you ensure you're getting the coverage you need at an affordable price.

In Dallas, these insurance companies offer cheap car insurance rates based on your driver profile.

Drivers in Dallas with poor credit can get the cheapest car insurance from Nationwide at an average cost of $2,197 a year, according to a data study by Insurance.com.

Drivers with poor or bad credit scores in Dallas can consider the following car insurance companies to get the affordable car insurance coverage. 

CompanyAverage annual rates
Nationwide$2,197
State Farm$3,136
Farmers$3,329
USAA$3,382
Progressive$3,972
Geico$4,493
Allstate$6,641

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Dallas. It offers full coverage car insurance for drivers aged 30 at about $1,504 per year

Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs. 

CompanyAverage annual premium
State Farm$1,504
Nationwide$1,909
USAA$2,143
Geico$2,588
Progressive$3,183
Farmers$4,037
Allstate$4,161

If you've had an accident, State Farm might be your best bet for affordable auto insurance.

For Dallas drivers with an at-fault accident, State Farm offers the cheapest average annual rate at $1,892. It's a great option if you're looking for affordable coverage that won't break the bank.

After an accident, your insurance rates are likely to go up. Finding a provider with competitive rates can help you minimize the financial impact.

CompanyAverage annual rates
State Farm$1,892
Nationwide$2,503
Geico$2,894
USAA$3,461
Progressive$4,063
Farmers$5,868
Allstate$6,984

In Dallas, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $2,760 a year

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage annual rates
State Farm$2,760
USAA$3,262
Geico$3,305
Progressive$3,416
Nationwide$3,482
Farmers$3,487
Allstate$8,187

Average car insurance cost in Dallas 

In Dallas, the average annual cost for full coverage car insurance is around $2,278, which breaks down to approximately $190 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Dallas is about $673.

Full coverage insurance costs more than the state minimum, but it provides comprehensive coverage for your car and coverage for other driver’s vehicle. To reduce your premium, you might want to compare quotes from various insurance companies.

Average annual RatesState minimum average
$2,278$673

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.