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Cheapest car insurance in Dallas, Oregon (Apr 2024)
Cheapest car insurance in Dallas, Oregon (Apr 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Dallas, Oregon.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
What's on this page?
- How to find the cheapest car insurance quotes in Dallas
- Best car insurance companies in Dallas
- Best cheap car insurance quotes in Dallas
- Average cost of car insurance in Dallas
- Car insurance quotes in Dallas by rating factors
- How do different factors impact your car insurance costs in Dallas?
- Cheap car insurance quotes in Dallas after driving violations
- Cheap car insurance quotes in Dallas by age
- Cheap car insurance quotes in Dallas based on insurance history
- Cheap car insurance quotes in Dallas for popular cars
- How to lower car insurance costs in Dallas
- FAQ
- Methodology
- Sources
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Dallas
Dallas, Oregon doesn’t have much in common with its Texas sibling. Part of the Salem Metropolitan Area, this small city in the Willamette Valley is a site for idyllic views and historic charm.
For residents, though, life in Dallas comes with a significant challenge: high
car insurance
prices. Dallas drivers pay 20 to 38% more than the Oregon average for auto insurance
, with rates averaging $96 per month for minimum coverage and $179 per month for full coverage. Working with an insurance broker makes it easier to find affordable insurance in Dallas’s challenging climate.
Jerry
is a licensed broker in the state of Oregon, with dozens of independent insurance agents and a user-friendly app to help drivers locate and lock in the lowest rates based on their profile. Check out the table below to see real rates that Dallas drivers found through Jerry in the past month.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $65 | Gordon, 55 Zip: 97338 | Honda Accord EXL | • State Minimum Liability • Comp / Collision |
| Nationwide | $77 | Georgia, 54 Zip: 97338 | Toyota Sienna LE | • 50,000/100,000 Liability |
| National General | $87 | Glenn, 38 Zip: 97338 | Toyota 4runner Sr5/sr5 Premium | • State Minimum Liability |
| The General | $150 | Bernice, 41 Zip: 97338 | Volkswagen Jetta SE | • State Minimum Liability • Comp / Collision |
Last Updated Apr 13, 2024Best car insurance companies in Dallas
No single Dallas auto insurance company offers the best rates for every driver—and the cost of coverage is just one part of the puzzle when it comes to finding the right insurer.
To help drivers find the best deals on Dallas car insurance, Jerry conducted a nationwide survey of real policyholders to find the cheapest car insurance companies with the best record for customer service, claims handling, and ease of policy management.
The companies listed below offer rates close to or below the citywide average for full coverage car insurance and received an overall score of 4 stars or more in our insurance shopping survey.
Insurance company | Average annual full coverage rate in Dallas | Jerry user rating |
|---|---|---|
$1,469 | 4.5 stars | |
$1,553 | 4.5 stars | |
$2,370 | 4.4 stars | |
$1,563 | 4.3 stars | |
$2,314 | 4.3 stars | |
$1,433 | 4.2 stars | |
$1,683 | 4.2 stars | |
$1,792 | 4.2 stars | |
$2,248 | 4.1 stars |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Dallas
To find cheap auto insurance quotes in Dallas, Oregon, you’ll need to decide what type of car insurance policy you’re looking for: a state minimum policy that only includes the insurance coverage required by state law, or a full coverage policy with better protection for your vehicle.
At Jerry, our insurance agents recommend that most drivers carry full coverage along with higher liability limits such as 50k/100k/50k or 100k/300k/100k.
Cheap minimum liability insurance quotes in Dallas
- $50,000 of bodily injury liability coverage per accident
- $50,000 of uninsured motorist bodily injury coverage per accident
A policy with Oregon’s state minimum insurance will cover you against liability claims from other drivers up to your policy’s limits, as well as allowing you to file first-party claims with your own insurance if you’re struck by an uninsured driver or have medical costs following an accident.
The no-fault PIP coverage included in Oregon’s car insurance requirements makes minimum coverage slightly more expensive, at an average of $96 per month—but it’s still the cheapest option available.
Gordon (55 years old)
$65
per month
Allen (37 years old)
$70
per month
Glenn (38 years old)
$87
per month
Do you need more than minimum coverage in Dallas?
Most Dallas drivers need more than the minimum coverage required by state law.
The reason: State minimum coverage only covers your liability in minor accidents and your medical bills—up to your policy’s limits. It won’t cover damage to your vehicle under any circumstances.
The bottom line: With car accidents becoming more expensive than ever, full coverage and high liability limits are a worthwhile investment for any driver.
Cheap full coverage car insurance quotes in Dallas
You can shield yourself from unexpected expenses by purchasing
full coverage car insurance
, which will cover the costs to repair or replace your own vehicle after an accident. - Collision coverage covers the cost of collision-related damage, like fixing or replacing a car.
- Comprehensive coverage pays for non-collision incidents like if your vehicle is vandalized or stolen, according to the state consumer’s guide to auto insurance.
If you have financed your car, your lender will mandate collision and comprehensive coverage to protect their investment.
Jerry helps Dallas drivers find full coverage policies from the best car insurance companies at affordable prices.
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $65 | Gordon, 55 Zip: 97338 | Honda Accord EXL |
• 50,000/100,000 Liability • Comp / Collision | National General | $148 | Samuel, 34 Zip: 97338 | Toyota Corolla LE |
• State Minimum Liability • Comp / Collision | The General | $150 | Bernice, 41 Zip: 97338 | Volkswagen Jetta SE |
• 50,000/100,000 Liability • Comp / Collision | Dairyland | $332 | Mina, 33 Zip: 97338 | Volkswagen Jetta GL TDI |
Last Updated Apr 13, 2024Average cost of car insurance in Dallas
Overall, Oregon’s car insurance rates are slightly lower than the national average—but Dallas is an exception, with average rates roughly 20% higher than the state average for full coverage and 38% higher for state minimum coverage.
What makes auto insurance so expensive in Dallas? The city’s proximity to Salem and geographic position in the Willamette Valley increase the risk factors associated with this small city:
- Growing density: Dallas’s population density has increased by approximately 13% since 2010, according to data from the U.S. Census Bureau.3 Higher density leads to a higher chance of accidents and insurance claims.
- Cold, wet winters: In the past 23 years, the Salem area has experienced an average annual precipitation of about 38 inches—well above the national average of 30 inches. Snow and rain increase the rate of insurance claims in Dallas each winter.4
- Rising auto theft rates: Dallas is next door to Salem, Oregon’s car theft hotspot. The Salem metropolitan area saw 2,064 reported vehicle thefts in 2022 alone.5
To contend with the area’s higher risk factors, Dallas drivers should focus on comparing quotes and coverage options from as many local insurance providers as possible.
Compare car insurance costs in other states
Car insurance quotes in Dallas by rating factors
Insurance companies in Dallas use many rating factors when
deciding your auto insurance premium
.6 Here are six of the most important factors that insurance companies use to set premiums in Dallas: - Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Dallas?
How do different factors impact your car insurance costs in Dallas?
Allowed (with applicable limitations): Education, occupation, employment status, gender, age, driving experience, credit history, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Oregon currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Dallas:
Cheap car insurance quotes in Dallas after driving violations
Your driving history is one of the main factors that impact your insurance rate. You will be quoted higher if insurance carriers observe a history of violations or risky driving. Common driving violations that can raise your rates include:
Cheapest car insurance in Dallas after speeding ticket
A
speeding ticket in Oregon
typically raises your auto insurance rates for three to five years. The average surcharge for a speeding ticket for Oregon drivers is around 30%, but your exact surcharge will depend on your existing record and how fast you were going.The table below shows real rates that Dallas drivers with speeding tickets found through Jerry.
Last Updated Apr 11, 2024Cheapest car insurance in Dallas after DUI
A
DUI
in Dallas is a serious violation and it will trigger extremely high rates for car insurance. Some companies may even refuse you coverage. Jerry has assisted many Dallas drivers with finding affordable rates after a DUI.
Cheapest car insurance in Dallas after an at-fault accident
Your car accident history has a significant influence on your car insurance rates in Dallas.
Before offering you a rate, car insurance companies must determine your level of risk. The company carefully reviews your past accidents—especially the ones where you were found at fault. If you were involved in an at-fault accident recently, there's a high chance that your car insurance rates might shoot up.
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $196 | Corey, 27 Zip: 97338 | KIA Optima LX | • State Minimum Liability • Comp / Collision |
Not At Fault | National General | $87 | Eugene, 38 Zip: 97338 | Toyota 4runner Sr5/sr5 Premium | • State Minimum Liability |
At Fault With No Injury | Bristol West | $72 | Della, 39 Zip: 97338 | Honda Civic LX | • State Minimum Liability |
Last Updated Apr 11, 2024Cheapest car insurance in Dallas after other driving violations
Speeding tickets, DUIs, careless driving, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Dallas.Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Failure to Obey Signal | Progressive | $91 | Winifred, 32 Zip: 97338 | KIA Sorento EX | • 50,000/100,000 Liability • Comp / Collision |
Driving on Sus. License | Bristol West | $104 | Rosalie, 33 Zip: 97338 | Volkswagen Jetta GL TDI | • State Minimum Liability |
Failure to Obey Signal | Progressive | $91 | Philip, 32 Zip: 97338 | KIA Sorento EX | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Apr 15, 2024Cheap car insurance quotes in Dallas by age
Young people and seniors generally face the highest insurance rates. Due to their restricted driving backgrounds, young drivers typically pay more for insurance.
Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Dallas for young drivers
Car insurance can be high for everyone in Dallas, but teen drivers between the ages of 16 to 19 usually receive higher-than-average rates—even if they have a clean driving record.
The likelihood of a teen driver filing an insurance claim can be quite high, as well. To stay well-protected on the roads, teen drivers should be on a policy with full coverage in case an accident occurs. Staying on a parent’s policy is an ideal way to keep those
teen car insurance
rates lower, too.Mattie (22 years old)
$146
per month
Cheapest car insurance in Dallas for senior drivers
- Higher risk of accident
- Higher cost to recover from an accident
The reality is that older drivers in Dallas are more likely to be involved in an accident. They’re also more vulnerable to injuries in an accident, which may result in significant medical costs.
Cheap car insurance quotes in Dallas based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
Chad (55 years old)
$65
per month
Ethan (54 years old)
$77
per month
Eugene (38 years old)
$87
per month
Leila (37 years old)
$70
per month
Elva (39 years old)
$72
per month
Finding cheap car insurance in Oregon: Hear from real drivers
We asked drivers in Oregon to review their car insurance providers—and share their experience shopping with Jerry. Here’s what we found:
We’ve had the best experience so far with Progressive! We have both car and renters insurance and we know we have the best coverage for our needs, their rewards program is great and the renewal is super easy and convenient.
Serge, Beaverton, OR
I saved over $200 by using Jerry and choosing Kemper as my insurance company. I absolutely love Jerry. They have A++ insurance and have me as a long term customer. I have referred several friends who all thanked me for the huge savings
Maria, Oregon City, OR
I’ve only had National General for a little less than a month but every time I have a question customer service has been able to assist me with no problem. I found this company through the Jerry app and if it wasn’t for them I would’ve never found cheaper and reliable car coverage.
Dee, Portland, OR
Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.In Oregon, insurance companies can even choose not to issue a policy based on your credit history—although it’s illegal for them to cancel your coverage based solely on credit.7 Generally, Oregon drivers with excellent credit scores (over 823) will pay approximately 112% less on car insurance compared to individuals with poorer scores (524 to 577).8
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
660 - 750 | Progressive | $90 | Terry, 27 Zip: 97338 | Subaru Outback 2.5I Limited | • State Minimum Liability • Comp / Collision |
660 - 750 | National General | $87 | Eugene, 38 Zip: 97338 | Toyota 4runner Sr5/sr5 Premium | • State Minimum Liability |
550 - 659 | Progressive | $78 | Lillian, 37 Zip: 97338 | Subaru Impreza Sport Limited | • State Minimum Liability |
< 550 | The General | $150 | Eliza, 41 Zip: 97338 | Volkswagen Jetta SE | • State Minimum Liability • Comp / Collision |
Last Updated Apr 15, 2024Cheap car insurance quotes in Dallas for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Dallas. Every model has a unique cost of repair, set of safety features, and rate of theft.
- Ford F-150
- Dodge RAM 1500
- Toyota RAV4
- Toyota Tacoma
- Subaru Outback
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Subaru Outback 2.5I Limited | Progressive | $90 | Rhoda, 27 Zip: 97338 | • State Minimum Liability • Comp / Collision |
Last Updated Apr 15, 2024How to lower car insurance costs in Dallas
1. Shop around and compare quotes
Every auto insurance company uses different algorithms to determine your rate—and as insurance companies scramble to recover from pandemic-related financial losses, those algorithms are changing regularly! In 2023 alone, Oregon drivers saw double-digit jumps in the average cost of coverage.9
To get ahead of industry changes and be sure you’re not overpaying for the coverage you need, compare quotes from at least three different Dallas-area insurance providers before you settle on a policy.
The Jerry app quickly compares quotes from dozens of providers in your area using a single driver profile.
It takes most drivers 1 to 3 hours to finalize their car insurance purchase through Jerry.
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims for a specific period.
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Dallas?
People living in Dallas, OR pay on average $96 per month – or $1,157 per year – for state minimum auto insurance coverage. Full coverage in Dallas costs an average of $179 per month or $2,147 per year.
What is the cheapest car insurance in Dallas?
Based on thousands of Dallas drivers Jerry has worked with, state minimum coverage comes with the cheapest rates—but it often leaves drivers underinsured.
What is the minimum car insurance in Dallas, Oregon?
The state minimum car insurance in Dallas, Oregon is $25,000 in bodily injury liability per person, $50,000 per accident, and $20,000 for damage to property, along with $25k/$50k of uninsured motorist bodily injury coverage and $15,000 of personal injury protection (PIP) per person.
What is the best car insurance in Dallas?
No single insurance company offers the best car insurance for all drivers in Dallas. State Farm, GEICO, and USAA typically have the lowest average rates, but many drivers report recent rate increases or trouble with customer service. Smaller insurers, on the other hand, may charge slightly higher rates while offering more personalized and reliable customer service.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Sources
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
