Cheap Car Insurance in Dallas

Written by Xuyun Zeng and 1 other
Updated Jan 8, 2025
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Cheap Car Insurance in Dallas

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Driving in Dallas comes with unique challenges such as multi-level interchanges, like the High Five, as well as toll roads and a complex network of highways. Proper car insurance that fits your budget can keep you protected during rush hour and in severe weather.

Dallas residents may pay higher rates than Texans in more rural areas, but it’s worth your time to get quotes from multiple insurers in search of the most affordable option. We’ve gathered data from real Jerry customers in Dallas to show you how your age, driving history and desired coverage can affect your rate.

Cheapest minimum coverage insurance in Dallas

Texas requires drivers to carry these coverages at minimum:

  • $30,000 of bodily injury per person and $60,000 per accident.
  • $25,000 for property damage.

These are the cheapest quotes for minimum coverage that Dallas drivers have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
$34 $405 Progressive 29 December 15, 2024 Dallas, TX 75204
$43 $519 Progressive 54 October 31, 2024 Dallas, TX 75216
$44 $523 Bristol West 42 August 13, 2024 Dallas, TX 75229
$46 $553 Progressive 54 September 19, 2024 Dallas, TX 75216
$46 $557 Progressive 38 October 22, 2024 Dallas, TX 75287
$49 $583 Progressive 61 October 31, 2024 Dallas, TX 75234
$52 $619 Progressive 29 July 8, 2024 Dallas, TX 75287
$54 $647 Progressive 25 December 9, 2024 Dallas, TX 75206
$56 $667 Progressive 65 October 16, 2024 Dallas, TX 75227
$56 $669 Progressive 30 November 20, 2024 Dallas, TX 75207
Last Updated Jan 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Dallas

When slippery conditions come to town, Dallas driving can become challenging and risky. Full coverage helps pay for damages to your car if you spin out and cause a crash, for example, or if heavy rains cause your vehicle to flood.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
$46 $553 Progressive 54 September 19, 2024 Dallas, TX 75216
$52 $619 Progressive 29 July 8, 2024 Dallas, TX 75287
$61 $737 Progressive 42 October 3, 2024 Dallas, TX 75217
$61 $737 Progressive 42 October 3, 2024 Dallas, TX 75217
$61 $737 Progressive 42 October 3, 2024 Dallas, TX 75217
$61 $737 Progressive 42 October 3, 2024 Dallas, TX 75217
$63 $753 Progressive 44 September 1, 2024 Dallas, TX 75254
$63 $753 Progressive 56 January 1, 2025 Dallas, TX 75248
$65 $781 Progressive 42 October 3, 2024 Dallas, TX 75217
$65 $781 Progressive 42 October 3, 2024 Dallas, TX 75217
Last Updated Jan 15, 2025

Cheapest car insurance for young drivers in Dallas (18-29 years old)

Younger drivers may be at a disadvantage when it comes to car insurance coverage because insurers view their lack of experience as risky, and often charge them higher rates. It’s wise to compare quotes from multiple insurers to find the right coverage at the lowest price.

Here are the cheapest quotes that real Jerry customers in Dallas between 18 and 29 have received.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$34 $405 Progressive 29 No December 15, 2024 Dallas, TX 75204
$52 $619 Progressive 29 Yes July 8, 2024 Dallas, TX 75287
$54 $647 Progressive 25 No December 9, 2024 Dallas, TX 75206
$62 $739 Progressive 29 No December 15, 2024 Dallas, TX 75219
$69 $823 Progressive 28 No February 6, 2024 Dallas, TX 75234
Last Updated Jan 15, 2025

Cheapest car insurance for mature drivers in Dallas (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$43 $519 Progressive 54 No October 31, 2024 Dallas, TX 75216
$44 $523 Bristol West 42 No August 13, 2024 Dallas, TX 75229
$46 $553 Progressive 54 Yes September 19, 2024 Dallas, TX 75216
$46 $557 Progressive 38 No October 22, 2024 Dallas, TX 75287
$56 $669 Progressive 30 No November 20, 2024 Dallas, TX 75207
Last Updated Jan 15, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$49 $583 Progressive 61 No October 31, 2024 Dallas, TX 75234
$56 $667 Progressive 65 No October 16, 2024 Dallas, TX 75227
$63 $753 Progressive 56 Yes January 1, 2025 Dallas, TX 75248
$63 $761 The General 59 No September 9, 2024 Dallas, TX 75227
$63 $761 The General 59 No September 8, 2024 Dallas, TX 75227
Last Updated Jan 15, 2025

Cheapest car insurance for drivers with clean records in Dallas

Here are the cheapest quotes that Dallas drivers with clean records have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
Zip Code
$43 $519 Progressive 54 October 31, 2024 No Dallas, TX 75216
$44 $523 Bristol West 42 August 13, 2024 No Dallas, TX 75229
$46 $553 Progressive 54 September 19, 2024 Yes Dallas, TX 75216
$46 $557 Progressive 38 October 22, 2024 No Dallas, TX 75287
$49 $583 Progressive 61 October 31, 2024 No Dallas, TX 75234
$52 $619 Progressive 29 July 8, 2024 Yes Dallas, TX 75287
$54 $647 Progressive 25 December 9, 2024 No Dallas, TX 75206
$56 $667 Progressive 65 October 16, 2024 No Dallas, TX 75227
$56 $669 Progressive 30 November 20, 2024 No Dallas, TX 75207
$60 $717 Clearcover 42 August 13, 2024 No Dallas, TX 75229
Last Updated Jan 15, 2025

Cheapest car insurance for drivers with low credit scores in Dallas

A low credit score often leads to higher car insurance premiums, but with a little comparison shopping, you can still find solid coverage at a low rate. Here are the cheapest quotes that Dallas drivers with credit scores below 550 have received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
<550 $61 $737 Progressive 42 October 3, 2024 Dallas, TX 75217
<550 $61 $737 Progressive 42 October 3, 2024 Dallas, TX 75217
<550 $61 $737 Progressive 42 October 3, 2024 Dallas, TX 75217
<550 $61 $737 Progressive 42 October 3, 2024 Dallas, TX 75217
<550 $65 $781 Progressive 42 October 3, 2024 Dallas, TX 75217
Last Updated Jan 15, 2025

Cheapest car insurance for drivers with at-fault accidents in Dallas

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
At Fault With No Injury $61 $733 Progressive 35 No January 16, 2024 Dallas, TX 75235
At Fault With No Injury $63 $753 Progressive 44 Yes September 1, 2024 Dallas, TX 75254
At Fault With No Injury $66 $787 Progressive 30 No January 18, 2024 Dallas, TX 75254
At Fault With No Injury $66 $795 Progressive 65 Yes October 21, 2024 Dallas, TX 75287
At Fault With No Injury $68 $811 Aspen 41 No October 3, 2024 Dallas, TX 75287
Last Updated Jan 15, 2025

Cheapest car insurance for drivers with speeding tickets in Dallas

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
Speeding over 15 $68 $811 Aspen 41 October 3, 2024 Dallas, TX 75287
Speeding over 15 $73 $880 Electric 41 October 3, 2024 Dallas, TX 75287
Speeding over 15 $77 $919 Progressive 34 December 31, 2024 Dallas, TX 75287
Speeding over 15 $77 $923 Progressive 25 October 7, 2024 Dallas, TX 75214
Speeding over 15 $78 $935 Progressive 33 October 20, 2024 Dallas, TX 75287
Last Updated Jan 15, 2025

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

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.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.