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Best cheap car insurance in Dallas for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Dallas
Finding the best car insurance in Dallas for your needs may mean considering multiple factors. We started by analyzing November 2024 premium data from Quadrant Information Systems. Cost is likely to be important, but factors like available coverage options, financial strength, discount opportunities and more also may matter to you. Fortunately, because Dallas covers a large area, most major insurers operate there, and by gathering quotes from a handful of them, you should be able to find the cheapest rates for coverage that gives you robust protection. Bankrate's insurance editorial team created this guide to the best cheap car insurance companies in Dallas to help you find the coverage that's right for you.
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Why State Farm made our list: On top of having some of the least expensive rates for full coverage insurance, State Farm policyholders may also save on their auto insurance with the company’s extensive list of discounts. State Farm extends potential discounts for good students, being accident-free, insuring multiple vehicles, having a vehicle with safety features and more. Additionally, State Farm has two safe driver rewards programs, Steer Clear for drivers under 25 and Drive Safe & Save for drivers over 25. Although State Farm scores well on many metrics, the company may not have as many optional policy add-ons as other carriers on this list, including no gap insurance.
Why State Farm is best for local agents: With more than 60 agent offices operating in the Dallas metropolitan area, you are sure to find a knowledgeable local agent no matter where you live in the city. If you prefer to do your insurance business online, however, State Farm also has you covered, with a highly rated app in the App Store and Google Play, and a state-of-the-art website that offers extensive digital resources.
| Bankrate Score | 4.3 |
| J.D. Power | 654/1,000 |
| AM Best Rating | A++ |
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Why Geico made our list: Geico is well-known for offering cheap car insurance and several unique discounts. The carrier tends to offer cheaper rates for minimum coverage, and policyholders may extend their savings opportunities with discounts for military personnel, federal employees, good students, emergency deployment and being accident-free. Although the company has only three advertised add-on coverage options, Geico does have a highly rated mobile app where policyholders can request roadside assistance, view ID cards and get repair estimates.
Why Geico may be best for discount opportunities: Although almost all major insurers offer a handful of discounts, Geico's list is one of the most extensive we've seen, with 16 discounts listed on the website. Although the amount you save will vary, many of the options are generous. You can save up to 25 percent, for example, by insuring more than one vehicle with the company, while going accident-free for five years nets you a reward of up to 22 percent off.
| Bankrate Score | 4.4 |
| J.D. Power | 653/1,000 |
| AM Best Rating | A++ |
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Why Allstate made our list: One of the largest car insurance companies in the U.S., Allstate offers a full range of standard and optional coverage types, including unusual options such as classic car insurance and rideshare coverage. The company's deductible rewards program is appealing to anyone trying to save money on their policy: for every year of safe driving, $100 is deducted from your collision deductible cost, up to $500. There are multiple reward options for safe drivers, since you can also save money by participating in Drivewise, the company's telematics program, which monitors your driving skills in real time.
Why Allstate may be best for digital resources: Allstate's digital app is available for both iPhone and Android devices, and allows you to manage your policy and file claims simply and efficiently. The company's website also has significant functionality, and can be used to pay your bill, file a claim, connect with the company and more. There's also a disaster help center on the site that offers a broad range of valuable information if you are facing a hurricane, flood or other threat.
| Bankrate Score | 3.9 |
| J.D. Power | 646/1,000 |
| AM Best Rating | A+ |
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Why USAA made our list: USAA is consistently rated highly by third-party organizations like J.D. Power, but you must be affiliated with the military to qualify, which may limit eligibility for many drivers. In addition to offering some of the cheapest rates in Dallas, USAA extends a number of potential discounts to policyholders including savings for garaging a vehicle on base, maintaining a clean driving record and bundling with a home or renters insurance policy. USAA may not offer as many options for policy customization as some other carriers, but it does offer roadside assistance, rental reimbursement and car replacement assistance.
Why USAA may be best for military-focused coverage: As a company that focuses solely on the insurance needs of America's military and veteran communities, it's not surprising that USAA offers coverage options and discounts geared toward those who serve their country. In addition to providing auto, home, life and renters insurance to active and retired military, the company is also a full-service shop for other financial needs, including home mortgages, checking accounts and investment services.
| Bankrate Score | 4.2 |
| J.D. Power | 710/1,000 |
| AM Best Rating | A++ |
Bankrate Score
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Why Mercury made our list: Mercury offers a strong local agent presence in the 11 states where the company operates. Mercury offers all the standard auto insurance coverage types as well as rental car reimbursement, ridesharing coverage and underinsured and uninsured motorist coverage. While its average rates may be higher than others on our list, its premiums are still well below Dallas and national averages. Mercury has online and mobile resources for applications and policy management but not for claims filing. Mercury policyholders may save on their premium with an extensive list of potential discounts, including anti-theft features, good student, multi-car and its RealDrive telematics program.
Why Mercury may be the best regional insurer: For those who prefer to work with a smaller, more personalized insurance company but don't want to give up the perks of a large insurer, Mercury may be a good option. Although coverage is limited to 11 states, the company still features extensive coverage options and a generous discount list that stands up against anything offered by the larger companies. It even features some perks that larger companies don't usually offer, such as RealDrive, a low-mileage program that earns you a discount just for signing up.
| Bankrate Score | 3.8 |
| J.D. Power | |
| AM Best Rating | A |
Bankrate's trusted insurance industry expertise
Read our full methodologyInsurance information and rates change frequently, but you can trust Bankrate to always offer the latest, most relevant data to help you make the best decisions for your own policy. We use rate statistics from Quadrant Information Services to determine average premiums for each company we review, as well as rankings from consumer watchdog organizations such as J.D. Power and AM Best. Our insurance editorial team consists of licensed agents with decades of experience. They understand the importance of finding the best possible car insurance in Dallas for the least amount of money.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Dallas
Bankrate's team ran the numbers to find the cheapest car insurance companies in Dallas so you can find coverage that fits your lifestyle and your wallet. Although your own rate is based on factors unique to you and your vehicle and is likely to differ from the overall averages, knowing these rates gives you a place to start for your own search.
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|---|---|---|
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$592
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$1,895
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|
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$528
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$1,917
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|
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$572
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$2,053
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|
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$801
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$2,290
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|
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$641
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$2,518
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How much is car insurance in Dallas, Texas?
The average cost of car insurance in Dallas is $2,715 for full coverage, while minimum coverage is available for an average cost of $804. Average Dallas full coverage car insurance rates are 10 percent more than the Texas state average and 14 percent more than the national average. However, your own rate will be based on multiple factors that are unique to you and your situation, including your age, driving record and location, as well as your car's age, make and model.
Dallas rates for teens
Of all the age groups, teens tend to pay the most for their car insurance policies. This is largely because their inexperience behind the wheel means that they are at a higher risk than any other group for accidents and other vehicle mishaps. The good news is that as they age, their rates will generally start to decrease. The average cost of full coverage car insurance for a 16-year-old on their parents’ insurance in Dallas is $2,013 per year; the average cost for an 18-year-old driver on a standalone policy is $2,633 per year.
In most cases, teens cannot purchase their own policies until they are 18, however they may want to remain on their parents' policy even after that time if they live at home, since rates are likely to be lower than if they are on their own policy. On average, a full coverage insurance policy in Jacksonville with an 18-year-old and two married parents costs only $4,999 — which is 35 percent less than a standalone policy for the same 18-year-old.
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|---|---|---|
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$1,226
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$1,087
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$1,320
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$1,182
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|
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$1,631
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$1,187
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$1,694
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$1,070
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$1,763
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$1,432
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|---|---|---|
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$3,915
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$3,466
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$4,268
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$3,867
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$4,514
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$3,093
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|
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$4,757
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$3,974
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|
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$4,972
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$4,258
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Dallas rates for young drivers
As we noted above, a young driver who maintains a clean driving record is likely to see their rate drop as they enter their 20s. If they live at home, they may be able to stay on their parents' insurance, but once they have their own home, they will likely need to purchase their own coverage. On average, a 20-year-old driver on a standalone full coverage policy pays $6,011 per year in Dallas, while a 25-year-old driver pays an average of $3,530 per year for the same coverage. The rates below are for young drivers on their own policy.
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|---|---|---|
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$1,168
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$619
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$1,247
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$641
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$1,261
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$725
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|
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$1,632
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$919
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$2,311
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$1,440
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|---|---|---|
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$3,862
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$2,288
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$3,981
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$2,304
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|
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$4,277
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$2,266
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$5,393
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$3,367
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$6,264
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$2,675
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Dallas rates for adults
Other circumstances being equal, rates will continue to drop for drivers throughout their middle years. On average, a 30-year-old driver in Dallas pays $2,922 per year for full coverage auto insurance, while a 50-year-old driver pays $2,487 per year, on average.
To keep rates low, the best strategy is to maintain a spotless driving record with no moving violations. Even a single accident can be enough reason for an insurer to increase rates for Dallas drivers.
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|---|---|---|---|
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$532
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$528
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$509
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$561
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$572
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$552
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|
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$633
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$592
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$568
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|
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$701
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$641
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$618
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|
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$792
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$801
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$749
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|
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|---|---|---|---|
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$1,944
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$1,917
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$1,787
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|
|
$2,060
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$1,895
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$1,757
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|
|
$2,080
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$2,053
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$1,914
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|
|
$2,425
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$2,290
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$2,156
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|
|
$2,807
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$2,518
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$2,330
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Dallas rates for senior drivers
Dallas drivers with clean records in their 60s are likely to pay some of the lowest rates for coverage. When they hit their senior years, however, rates may increase slightly to account for the somewhat higher rate of accidents that are statistically likely to involve older drivers. On average, we found that Dallas drivers pay around $2,448 per year for full coverage at age 60 and $2,663 per year at age 70.
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|---|---|---|
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$492
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$615
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|
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$525
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$556
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|
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$559
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$709
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|
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$565
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$713
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|
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$735
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$868
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|
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|
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|---|---|---|
|
$492
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$1,952
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|
|
$565
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$2,015
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|
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$525
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$1,925
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|
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$735
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$2,473
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|
|
$559
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$2,450
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The cheapest car insurance in Dallas by driving record
Your driving record is one of the most important factors insurers look at when determining your rate. Why? Past infractions, whether it be accidents, speeding tickets or a DUI, suggest that a driver may be more likely to file expensive claims in the future. To protect themselves financially, insurance companies compensate for this increased risk by charging higher rates. Some of the cheapest car insurance companies in the region, however, may still offer reasonable rates to drivers with marks on their license.
Car insurance with a speeding ticket in Dallas
On average, Dallas drivers with a single speeding ticket pay $3,039 per year for full coverage insurance, compared to $2,715 prior to their conviction. This means that drivers with a single speeding ticket conviction typically pay 12 percent more for full coverage. Most insurers will keep this increased rate in effect for three to five years, after which it may drop if the driver has not earned any further infractions.
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|---|---|---|
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$583
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$2,137
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$642
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$2,235
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|
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$668
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$2,145
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|
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$910
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$2,986
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|
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$913
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$3,544
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Car insurance after an accident in Dallas
As you might imagine, if you are found to be at fault in an accident in Dallas, you are likely to see an increase in your rate. Dallas drivers with a single at-fault accident on their driving record pay 54 percent more, on average, for full coverage than drivers with clean records. A driver who’s found at fault for an accident represents a greater risk to insurance companies, which charge an average of $4,193 per year for drivers with a single at-fault conviction in Dallas.
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|---|---|---|
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$726
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$2,465
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$731
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$2,645
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$991
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$3,045
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$1,262
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$3,501
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|
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$1,354
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$4,853
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Car insurance after a DUI in Dallas
A DUI is generally considered one of the most serious infractions you can earn in Dallas, and you are liable to face fines and other penalties if you are convicted. Dallas drivers pay average annual rates of $4,214 for full coverage and $1,336 for state minimum coverage after a single DUI conviction. Drivers with a single DUI pay 55 percent more for full coverage and 66 percent more for minimum coverage, on average, than drivers with clean records.
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|---|---|---|
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$815
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$2,782
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|
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$892
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$3,337
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|
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$928
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$2,662
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|
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$935
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$3,043
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|
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$1,155
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$3,545
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Minimum coverage requiremets in Dallas
As is true of almost every state in the U.S., Texas drivers must carry a certain amount of insurance coverage in order to drive legally on public roads. The minimum coverage allowed is 30/60/25, which translates as follows:
- $30,000 bodily injury liability per person per accident
- $60,000 total bodily injury liability for all persons per accident
- $25,000 property damage liability per accident
Liability insurance covers damages and injuries to the other car, its driver and passengers. However, in order to have insurance that will cover you, you may want to consider optional coverage types including collision and comprehensive insurance.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Score
Our 2024 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
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Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.