Who Offers the Lowest Auto Insurance Quotes in Dallas, Texas?

According to Online Insure quote research, State Farm offers the lowest vehicle insurance in Dallas, Texas, for an average of $57 per month. At $104 per month, Fred Loya had the cheapest full coverage insurance.

Dallas is Texas' third-most populous city, thus drivers tend to spend more on auto insurance. The average cost of minimal coverage in Texas is $926 per year, while Dallas drivers pay $215 more – $1,141 on average.

Rates vary greatly amongst drivers, based on criteria such as credit score and driving history. Make sure you receive prices from at least three different insurance companies.

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State Farm has the cheapest car insurance in Dallas.

State Farm, Fred Loya, and Nationwide are the three cheapest insurers in Dallas for minimal coverage. State Farm provides the most affordable quote overall, charging Dallas drivers an average of $680 per year. This is $461 less than the city's average of $1,141. Fred Loya came in second place, charging only $47 more per year, or about $4 more per month. Nationwide also provided reasonably priced basic coverage, starting at $1,045 per year, or $87 per month. A basic coverage policy may appear appealing from a cost standpoint, but keep in mind that cheaper premiums come with less coverage. If you are in an accident, you will be completely financially responsible for your auto repairs as well as your medical expenditures.

Fred Loya has the cheapest full coverage vehicle insurance in Dallas.

According to our quote research, Fred Loya has the lowest prices for complete coverage in Dallas. The typical cost of full coverage insurance in Dallas is $3,111, while Fred Loya charges policyholders around 60% less - just $1,247 per year or $104 per month.

If you live in Dallas and are seeking low-cost full coverage, request rates from State Farm and Geico as well. Both are more expensive than Fred Loya, but they have better customer service reputations.

Military personnel and their families should contact USAA for a quote. USAA had the second-cheapest full coverage insurance of the nine firms in our research, at $1,464 per year.

While basic coverage only protects the other driver's property or injuries, full coverage protects your vehicle as well. It covers both collision and extensive damage.

• Comprehensive coverage, often known as "other-than-collision coverage," covers your car from non-collision damage, like damage caused by a wild animal, theft, or fire.

• Collision coverage: Collision coverage pays for damage to your car following a collision, regardless of who was at fault.

Cheap auto insurance for drivers with a history of infractions
Insurers hike prices for high-risk drivers. Having an accident, a DUI, or a speeding ticket on your driving record, as well as a low credit score, can all raise your risk rating.

Fred Loya has the cheapest vehicle insurance in Dallas after an accident.

For Dallas drivers with an at-fault accident on their record, Fred Loya, State Farm, and Geico provide the cheapest auto insurance. While Fred Loya had the lowest total rates, State Farm had the smallest rate increases. A driver with an at-fault accident would pay only $270 more per year than a driver with a clean record. After an at-fault accident, the average rate across all insurers in our survey climbed by a stunning $1,791 – a 58 percent raise.

Fred Loya has the cheapest vehicle insurance for customers who have received a speeding ticket.

Speeding fines increased the average cost of insurance in Dallas by $228, but not nearly as much as an at-fault accident ($1,791) or a DUI ($2,201).

Fred Loya, State Farm, and Geico offer the most affordable insurance for speeding drivers. These insurers collectively cost 43% less than the $3,339 average cost of insurance for drivers with a speeding citation. MetLife, the most costly insurer in our analysis, was $4,486 more expensive than Fred Loya, the least expensive insurer in our sample. Differences like this highlight the need of comparing quotes before purchasing auto insurance coverage.

Fred Loya has the cheapest vehicle insurance for DUI drivers.

Driving while intoxicated (DUI) is a significant infraction — so serious that insurers in our study increased average rates by 71%. Fred Loya had the lowest rates for these drivers, charging only $2,134 per year. That's more than $3,000 less than the city's average for DUI drivers, which is $5,312.

Cheapest auto insurance for bad credit drivers: Loya, Fred

While your credit score has no bearing on your ability to drive safely, it does affect your auto insurance prices. According to Online Insure quote research, auto insurance in Dallas costs $3,859 per year on average — $1,275 more than annual rates for drivers with average credit and $1,863 more than annual premiums for drivers with very good credit.

Fred Loya has the cheapest car insurance for married drivers.

Because married drivers are statistically less likely to be involved in an accident than single drivers, many insurers charge them cheaper rates. We discovered that rates for married drivers in Dallas were 10% lower than rates for unmarried drivers.

If you're married and live in Dallas, we recommend getting quotes from Fred Loya, State Farm, and Nationwide, as these firms have the cheapest premiums.

Fred Loya has the cheapest auto insurance for young drivers.

On average, full coverage for our sample 18-year-old driver was 163 percent higher than full coverage for our 30-year-old driver. To save money, young drivers should stay on their parents' insurance policies as long as possible. Fred Loya offered the cheapest insurance for our teen driver, charging $3,365 per year. This is roughly 60% less than the Dallas city average, which is $8,171.

If continuing on your parents' policy isn't an option, make sure to inquire about popular vehicle insurance discounts such as student-away-from-home or good student discounts with your insurer.

Another alternative is to acquire the bare minimum of coverage. Online Insure quote, on the other hand, does not often suggest this method. Young drivers are more likely to be involved in an accident and to benefit from the extra protection that comes with comprehensive coverage.

Dallas, Texas's top auto insurance companies

According to an Online Insure quote survey, USAA, Nationwide, and State Farm had the greatest percentages of customers who were "very satisfied" with their most recent claims among the Texas insurers in our research. Check out our Texas car insurance analysis to learn more about how these various insurers fared in terms of customer service.

The average cost of vehicle insurance in Dallas, broken down by ZIP code
Your auto insurance prices are determined by your location, often down to the ZIP code level. Crime rates and population density can heighten the risk, causing insurers to raise rates. In Dallas, the most costly ZIP code, 75398, had average yearly premiums that were $294 more than the least expensive ZIP code, 75098.

Dallas auto theft statistics

Dallas has the highest rate of auto crime among Texas' 11 most populous cities. According to our analysis of FBI crime data from 2019, around eight cars were stolen for every 1,000 residents.