Car Insurance in Dallas, Texas
Estimated full coverage in Dallas runs about $2,070 a year ($173/month) — ▲ +9% versus the Texas average, ranking 14th most expensive of the 57 Texas cities we cover.
Why car insurance in Dallas costs more than the Texas average
Insurers price by territory, and Dallas's numbers explain most of the gap. With 1,326,087 residents on 339.7 square miles, the city's density (3,904 people per square mile) is 5.8 times the density where the typical Texas resident lives (670). The average commute is 25.7 minutes (Texas: 26.7), and 67% of workers drive alone. Together these put our location factor at 1.09× the state baseline for liability and collision, and 1.10× for comprehensive once FEMA weather risk for Dallas County is included.
| Factor | Dallas | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 3,904 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 25.7 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 6.6% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 66.6% | — | Share of workers commuting by car. |
| Public transit to work | 2.1% | — | Transit use lowers how much residents drive. |
| Work from home | 15.8% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.8% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 94.3 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Dallas
Rates can change from one ZIP code to the next. Across 46 Dallas ZIP codes, our full-coverage estimate ranges from $1,760 in 75247 to $2,205 in 75210. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 75217 | 85,028 | 3,063 | 32.9 min | 8.6% | $2,165 | +5% |
| 75211 | 73,534 | 4,278 | 27.1 min | 7.0% | $2,105 | +2% |
| 75228 | 67,714 | 5,920 | 29.8 min | 9.3% | $2,185 | +6% |
| 75243 | 63,481 | 6,893 | 26.9 min | 12.8% | $2,150 | +4% |
| 75227 | 58,319 | 5,042 | 30.0 min | 5.7% | $2,170 | +5% |
| 75216 | 55,894 | 3,767 | 29.3 min | 15.8% | $2,130 | +3% |
| 75287 | 53,959 | 9,745 | 23.9 min | 6.1% | $2,140 | +3% |
| 75220 | 40,239 | 3,557 | 26.7 min | 11.5% | $2,080 | 0% |
| 75206 | 38,909 | 9,188 | 22.8 min | 6.4% | $2,115 | +2% |
| 75248 | 38,459 | 5,180 | 21.8 min | 5.3% | $2,035 | −2% |
| 75231 | 38,370 | 6,960 | 26.0 min | 13.8% | $2,140 | +3% |
| 75224 | 35,105 | 6,115 | 24.8 min | 9.8% | $2,105 | +2% |
| 75204 | 34,666 | 13,547 | 21.5 min | 7.0% | $2,130 | +3% |
| 75214 | 34,274 | 4,691 | 24.3 min | 7.1% | $2,070 | 0% |
| 75241 | 33,840 | 1,339 | 31.2 min | 8.9% | $2,050 | −1% |
| 75229 | 33,656 | 2,704 | 20.3 min | 2.1% | $1,945 | −6% |
| 75238 | 33,199 | 5,044 | 26.3 min | 5.0% | $2,110 | +2% |
| 75232 | 32,972 | 3,736 | 27.5 min | 9.8% | $2,095 | +1% |
| 75208 | 29,367 | 4,799 | 24.2 min | 5.7% | $2,070 | 0% |
| 75252 | 28,618 | 5,578 | 25.3 min | 9.1% | $2,105 | +2% |
| 75212 | 28,259 | 2,834 | 24.8 min | 14.4% | $2,025 | −2% |
| 75230 | 27,763 | 3,891 | 21.7 min | 7.9% | $2,005 | −3% |
| 75240 | 25,290 | 6,692 | 22.8 min | 13.4% | $2,080 | 0% |
| 75254 | 25,050 | 7,720 | 23.3 min | 6.1% | $2,105 | +2% |
| 75253 | 24,395 | 1,630 | 33.5 min | 2.5% | $2,105 | +2% |
| 75219 | 23,934 | 10,442 | 21.4 min | 6.5% | $2,100 | +1% |
| 75218 | 22,544 | 3,268 | 25.5 min | 2.7% | $2,050 | −1% |
| 75225 | 22,237 | 4,763 | 18.6 min | 3.3% | $1,975 | −5% |
| 75235 | 19,637 | 2,950 | 19.3 min | 9.6% | $1,940 | −6% |
| 75236 | 18,963 | 1,421 | 29.6 min | 13.7% | $2,030 | −2% |
| 75215 | 18,895 | 2,469 | 23.0 min | 18.8% | $1,980 | −4% |
| 75201 | 18,345 | 13,332 | 20.7 min | 11.0% | $2,115 | +2% |
| 75237 | 18,260 | 2,740 | 23.6 min | 19.3% | $2,000 | −3% |
| 75249 | 16,447 | 2,994 | 29.5 min | 1.6% | $2,105 | +2% |
| 75203 | 15,775 | 3,294 | 26.9 min | 15.5% | $2,075 | 0% |
| 75233 | 14,867 | 4,164 | 28.3 min | 5.8% | $2,120 | +2% |
| 75209 | 14,211 | 4,060 | 20.5 min | 4.6% | $1,990 | −4% |
| 75244 | 13,389 | 2,898 | 21.2 min | 1.9% | $1,970 | −5% |
| 75223 | 11,994 | 3,869 | 26.5 min | 7.6% | $2,085 | +1% |
| 75207 | 8,287 | 2,147 | 20.5 min | 2.7% | $1,925 | −7% |
| 75210 | 7,722 | 3,379 | 34.6 min | 18.1% | $2,205 | +7% |
| 75226 | 5,199 | 4,827 | 24.8 min | 7.6% | $2,080 | 0% |
| 75251 | 3,525 | 5,934 | 23.5 min | 14.1% | $2,080 | 0% |
| 75202 | 2,892 | 4,329 | 17.8 min | 13.6% | $1,950 | −6% |
| 75246 | 2,286 | 4,906 | 23.9 min | 19.7% | $2,065 | 0% |
| 75247 | 627 | 95 | 24.9 min | 37.3% | $1,760 | −15% |
Minimum car insurance in Dallas
Dallas drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Dallas at $755 a year, and $1,055 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Dallas premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Dallas County as very high for hail, very high for inland flooding and very high for strong wind, and relatively low for hurricanes.
Traffic & commuting
6.6% of Dallas commuters spend an hour or more getting to work, and there are 1.62 vehicles per household. 15.8% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 100.0 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.8 | Comprehensive; dwelling | |
| Hurricane | 73.6 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 99.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 98.5 | Comprehensive; dwelling | |
| Winter weather | 98.7 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Dallas by driver profile
A clean-record driver in their 50s pays the least in our Dallas model (about $1,905 for full coverage); an 18-year-old on their own policy pays about $5,700, and a DUI pushes a 30-something to $3,835.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,075 | $2,895 | $5,700 | $475 |
| Young adult (22) | $1,210 | $1,685 | $3,315 | $276 |
| Adult in their 30s | $755 | $1,055 | $2,070 | $173 |
| Adult in their 50s | $695 | $970 | $1,905 | $159 |
| Senior (72) | $845 | $1,180 | $2,320 | $193 |
| 30s, one at-fault accident | $1,095 | $1,525 | $3,005 | $250 |
| 30s, DUI on record | $1,395 | $1,945 | $3,835 | $320 |
Minimum vs. standard vs. full coverage in Dallas
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $755 | $63 | $620–$890 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,055 | $88 | $865–$1,240 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,070 | $173 | $1,700–$2,445 |
Estimate your premium in Dallas
Runs in your browser — nothing you enter is stored or sent to insurers.
Cheap car insurance in Dallas: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Dallas's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $140 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $145 | You're among the 15.8% of Dallas workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $560 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $1,015 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $460 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Dallas
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 302 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Dallas, our estimates differ by up to $445 a year between neighborhoods.
Car insurance agents near Dallas, TX
We found 302 insurance offices within about 14 miles of central Dallas, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Fiesta Auto Insurance and Tax Service
104 South Carroll Avenue, Dallas, TX 75226 -
Matador Insurance & Taxes
4924 Columbia Avenue, , TX -
Fred Loya Insurance
5004 Columbia Avenue, #102, , TX -
Fred Loya Insurance
4540 Ross Avenue, #120, , TX -
Maria Medina Auto Insurance
4912 Ross Avenue, , TX -
Freeway Insurance
5334 Ross Ave, Dallas, TX 75206 -
Jonathan Elliott Humber - Farmers Insurance
3008 Ross Ave, Dallas, TX 75204 -
Jeremiah David Bailleu - Farmers Insurance
5740 Prospect Ave, Dallas, TX 75206 -
William Burgos - Allstate
2201 Main St, Ste 102, Dallas, TX 75201 -
Labor Insurance & Notary
TX -
Ray Scott - State Farm
4144 N. Central Expy, #700 Uptown Tower, Dallas, TX 75204 -
North Texas Insurance Group, LLC
4131 N Central Expy, Ste 900, Dallas, TX 75204 -
MyClick Insurance
4514 Cole Avenue, #600, Dallas, TX 75205 -
Grant Galliford - Allstate
7540 E Grand Ave, Dallas, TX 75214 -
John Hall - State Farm
3110 Webb Ave, Suite 205, Dallas, TX 75205 -
Scott Beseda - State Farm
4411 Lemmon Avenue, Suite 203, Dallas, TX 75219 -
Harold Muller - State Farm
6060 N Central Expy, Suite 608, Dallas, TX 75206 -
Jay Longsworth - Farmers Insurance
6440 N Central Expy, Dallas, TX 75206 -
Winston Solomon Insurance Agency
8035 East R L Thornton Freeway, #454, Dallas, TX 75228 -
Charles W. Luedtke
5926 Greenville Avenue, #200, Dallas, TX 75206 -
Luis Rivera - State Farm
320 Singleton Blvd, Ste 120, Dallas, TX 75212 -
Farmers Insurance
8535 Ferguson Road, , TX -
State Farm
9043 Garland Road, , TX -
Imelda Mendoza - State Farm
8786 Ferguson Road, Ste 135, Dallas, TX 75228 -
Mora's Income Tax & Insurance
3474 Highland Road, #160, , TX -
Fiesta Auto Insurance and Tax Service
428 East Jefferson Boulevard, Dallas, TX 75203 -
Camero Insurance
428 East Jefferson Boulevard, Dallas, TX 75203 -
Cinco Auto Insurance
9208 East R L Thornton Freeway, #207B, , TX -
Larry Sandlin - State Farm
4560 W. Mockingbird Ln, Suite 120, Dallas, TX 75209 -
Freeway Insurance
118 E Jefferson Blvd, Dallas, TX 75203 -
Jonathan Crisler - Allstate
1350 N Buckner Blvd, Ste 218, Dallas, TX 75218 -
State Farm
9540 Garland Road, #409, , TX -
Marcos Franco - Farmers Insurance
9540 Garland Rd, Dallas, TX 75218 -
Mark Nesselroad - State Farm
9540 Garland Road, Suite 409, Dallas, TX 75218 -
State Farm
TX -
Todd Campbell - Farmers Insurance
4763 Algiers St, Dallas, TX 75207 -
Beto Rodriguez - State Farm
516 W 7th St, Dallas, TX 75208 -
Paul Arceneaux - Farmers Insurance
5757 W Lovers Ln, Dallas, TX 75209 -
Sam Schlehuber - Farmers Insurance
8350 N Central Expy, Dallas, TX 75206 -
Kevin McKee - Allstate
6500 Greenville Ave, Ste 660, Dallas, TX 75206
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Dallas
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,555 | −25% |
| Subaru Outback | Wagon | $1,560 | −25% |
| Tesla Model 3 | Midsize car | $2,155 | +4% |
| Subaru Forester | Small SUV | $1,530 | −26% |
| Honda Civic | Compact car | $2,335 | +13% |
| Toyota Corolla | Compact car | $2,190 | +6% |
| Jeep Wrangler | Midsize SUV | $1,695 | −18% |
| Mazda CX-5 | Small SUV | $1,740 | −16% |
| MINI Cooper | Subcompact car | $1,565 | −24% |
| Tesla Model Y | Midsize SUV | $1,940 | −6% |
More car insurance topics in Dallas
Car insurance in nearby Texas cities
- Mesquite $2,165/yr · 11 mi
- Garland $2,160/yr · 11 mi
- Irving $2,040/yr · 13 mi
- Richardson $2,040/yr · 13 mi
- Carrollton $2,030/yr · 16 mi
- Grand Prairie $2,080/yr · 17 mi
- Plano $2,065/yr · 18 mi
- Lewisville $2,030/yr · 21 mi
- Arlington $2,095/yr · 22 mi
- Allen $2,120/yr · 23 mi
- Southlake $1,955/yr · 25 mi
- Frisco $2,105/yr · 25 mi
All Texas cities and state rules · Homeowners insurance in Dallas
Frequently asked questions
How much is car insurance in Dallas, TX?
We estimate full coverage in Dallas at about $2,070 a year ($173 a month) for a driver in their 30s with a clean record, and about $755 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Dallas more expensive than the Texas average?
Our Dallas estimate is 9% higher than the statewide figure. The model reflects a population density of 3,904 people per square mile (the typical Texas resident lives at about 670) and an average commute of 25.7 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Dallas?
Drivers in Dallas follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Dallas has the cheapest car insurance?
Among Dallas's 46 ZIP codes, 75247 has the lowest estimate (about $1,760 a year for full coverage) and 75210 the highest (about $2,205), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Dallas?
An 18-year-old with their own full-coverage policy would pay around $5,700 a year in Dallas by our estimate ($2,075 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Dallas?
Yes. FEMA's National Risk Index rates Dallas County for hail (very high), inland (river) flooding (very high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Dallas?
We list 302 insurance offices in and around Dallas, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Dallas and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places