Best Dallas, TX Auto Insurance in 2025
State Farm, Geico, and Progressive are the best Dallas, TX auto insurance providers, with starting rates of $00 per month. State Farm offers 17% bundling discounts and reliable coverage. While Geico provides affordable rates for drivers in Dallas, TX , Progressive is known for flexible policies.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Mar 19, 2025
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18,155 reviewsCompany Facts
Full Coverage in Dallas TX
A.M. Best Rating
Complaint Level
Pros & Cons
18,155 reviews
19,116 reviewsCompany Facts
Full Coverage in Dallas TX
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,128 reviewsCompany Facts
Full Coverage in Dallas TX
A.M. Best Rating
Complaint Level
Pros & Cons
13,128 reviewsThe best Dallas, TX, auto insurance providers include Geico, USAA, and Erie, with monthly rates starting at $00 for coverage tailored to your vehicle needs.
These top providers offer reliable service, affordable rates, and flexible options for drivers in Dallas, TX.
Our Top 10 Company Picks: Best Dallas, TX Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Service | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A+ | Flexible Options | Progressive |
 | #4 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #5 | 20% | A | Customizable Policies | Farmers |
 | #6 | 10% | A++ | Military Benefits | USAA |
 | #7 | 25% | A | Extensive Discounts | Liberty Mutual |
 | #8 | 20% | A+ | Telematics Savings | Nationwide |
 | #9 | 13% | A++ | Innovative Features | Travelers |
 | #10 | 5% | A+ | Senior Focus | The Hartford |
Discover our car insurance guide by entering your ZIP code to explore the different cheap car insurance rates while saving big with top providers in Dallas, Tx.
- The best Norfolk, VA insurance are State Farm, Geico, and Progressive
- State Farm offers reliable coverage starting at about $00 monthly
- Geico is known for cheap rates and Progressive is for flexible option
# 1 – State Farm: Top Overall Pick
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# 2 – Geico: Best for Affordable Rates
# 3 –Progressive: Best for Flexible Options
# 4 – Allstate: Best for Comprehensive Coverage
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# 5 – Farmers Insurance: Best for Customizable Policies
# 6 – USAA: Best for Military Benefits
# 7 –Liberty Mutual: Best for Extensive Discounts
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# 8 – Nationwide: Best for Telematics Savings
# 9 – Travelers: Best for Innovative Feature
# 10 – The Hartford: Best for Senior Focus
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Best Auto Insurance Rates in Dallas, Texas, from Top Providers by Coverage Level & Discounts
Discovering auto insurance that meets your needs and budget can be complex and confusing. When looking for auto insurance in Dallas, TX, it’s essential to be aware of the available coverage options.
Dallas, TX Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $98 | $153 |
| $91 | $152 |
| $53 | $133 |
| $96 | $165 |
| $79 | $120 |
| $85 | $139 |
| $74 | $105 |
| $100 | $158 |
| $88 | $134 |
| $60 | $103 |
This car insurance guide will help you compare monthly rates and coverage levels from different providers in Norfolk, VA, and highlight the discounts offered by top providers in the area.
Auto Insurance Discounts From the Top Providers in Dallas, TX
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Club, Early Signing, Responsible Payer, Anti-Theft Device, Multi-Policy, Multi-Car, and Paperless Discounts. |
| Affinity Group, Teen Driver, Good Student, Pay-in-Full, Electronic Funds Transfer, and Signal Usage-Based Program Discounts. |
| Anti-Theft Device, Multi-Policy, Defensive Driving, Military, Federal Employee, Good Student, Vehicle Safety Features, and Driving History Discounts. |
| Multi-Policy, Vehicle Safety Features, Accident-Free, Good Student, Homeowner, Early Signing, and Telematics Program Discounts. |
| SmartRide Usage-Based Discounts, Good Student, Multi-Policy, Accident-Free, Anti-Theft Device, Paperless, and Defensive Driving Discounts. |
| Multi-Car, Multi-Policy, Homeowner, Continuous Insurance, Teen Driver, Good Student, Paperless, and Snapshot Usage-Based Program. |
| Accident-Free, Defensive Driving Course, Driver's Education, Good Student, Multi-Policy, Multi-Car, Passive Restraint, Anti-Theft Device, and Safe Driver. |
| AARP Member Discounts, Accident Forgiveness, Driver Training, Bundling Policies, and Anti-Theft Device Discounts. |
| IntelliDrive Usage-Based Program, Multi-Policy, Hybrid/Electric Vehicle, Good Student, and Homeowner Discounts. |
| Military-Specific Discounts, New Vehicle, Safe Driver, Defensive Driving Course, Good Student, Multi-Policy, and Loyalty Discounts. |
You can compare the best car insurance providers in Virginia to find the best deals for auto insurance in Norfolk, VA. To see the most affordable options near you, just enter your ZIP code.
Dallas, TX Major Auto Insurance Factors
Your auto insurance premium in Newport Dallas, TX, can be affected by several factors, such as the area or neighborhood in which you reside.
Factors Affecting Auto Insurance
| Factor | Description |
|---|---|
| Age | Younger and older drivers pay more |
| Annual Mileage | More driving increases premiums |
| Claims History | More claims lead to higher premiums |
| Credit Score | Higher score may lower premiums |
| Deductible Amount | Higher deductible lowers premium cost |
| Driving History | Clean record lowers premiums; accidents raise |
| Gender | Males typically face higher premiums |
| Insurance Provider | Different insurers offer different rates |
| Location | Traffic, crime, and weather affect rates |
| Marital Status | Married drivers often pay less |
| Safety Features | Cars with safety features may lower rates |
| Type of Coverage | More coverage leads to higher premiums |
| Vehicle Type | Expensive or sporty cars cost more |
Auto insurance premiums depend on several of factors, such as age, gender, and driving history., vehicle type, location, credit score, and coverage level. Safe drivers with clean records typically pay lower premiums, while high-risk drivers face higher costs.
Dallas, Texas Auto Insurance Monthly Rates by Age
| Age: 17 | Age: 25 | Age: 35 | Age: 60 | Cheapest Rate | Cheapest Age |
|---|---|---|---|---|---|
| $761 | $313 | $251 | $236 | $236 | 60 |
Auto insurance costs are influenced mainly by your age, driving history, and commute to work. Younger drivers, because they are less experienced on the road, usually have the highest insurance premiums.
| County | 2014 | 2015 | 2016 | 2017 | 2018 |
|---|---|---|---|---|---|
| Collin | 47 | 37 | 50 | 68 | 45 |
| Dallas | 238 | 259 | 315 | 282 | 295 |
| Denton | 37 | 38 | 49 | 49 | 52 |
| Ellis | 24 | 25 | 28 | 33 | 16 |
| Hood | 8 | 3 | 15 | 11 | 5 |
| Hunt | 18 | 22 | 28 | 27 | 17 |
| Johnson | 23 | 22 | 23 | 21 | 22 |
| Kaufman | 24 | 18 | 27 | 31 | 25 |
| Parker | 15 | 18 | 21 | 20 | 29 |
| Rockwall | 3 | 4 | 12 | 13 | 8 |
| Somervell | 4 | 2 | 2 | 9 | 5 |
| Tarrant | 145 | 157 | 167 | 183 | 169 |
| Wise | 14 | 21 | 19 | 21 | 16 |
Car insurance rates will be higher in Dallas and Tarrant counties than in other counties because these places have the highest fatality rates in the area.
Cheapest ZIP Codes Auto Insurance Monthly Rates in Dallas, Texas
| ZIP Code | Rates |
|---|---|
| 75252 | $488 |
| 75287 | $498 |
| 75248 | $520 |
| 75234 | $532 |
| 75249 | $534 |
| 75206 | $536 |
| 75253 | $537 |
| 75218 | $541 |
| 75244 | $542 |
| 75205 | $544 |
| 75229 | $544 |
| 75214 | $546 |
| 75238 | $551 |
| 75236 | $552 |
| 75225 | $553 |
| 75204 | $556 |
| 75209 | $556 |
| 75220 | $562 |
| 75243 | $565 |
| 75240 | $566 |
| 75230 | $567 |
| 75208 | $568 |
| 75235 | $568 |
| 75254 | $570 |
| 75251 | $571 |
| 75212 | $572 |
| 75226 | $574 |
| 75228 | $574 |
| 75246 | $575 |
| 75202 | $575 |
| 75270 | $577 |
| 75224 | $580 |
| 75201 | $582 |
| 75217 | $584 |
| 75227 | $585 |
| 75232 | $585 |
| 75211 | $589 |
| 75237 | $591 |
| 75231 | $591 |
| 75223 | $593 |
| 75203 | $595 |
| 75233 | $595 |
| 75219 | $599 |
| 75241 | $601 |
| 75216 | $604 |
| 75215 | $606 |
| 75210 | $613 |
| 75398 | $626 |
| 75247 | $630 |
| 75342 | $631 |
| 75260 | $633 |
| 75242 | $646 |
| 75207 | $659 |
Car insurance changes from state to state. It depends on your choices to find the best coverage for affordable price.
To find the most affordable insurance in your area, simply enter your ZIP code.
Best Car Insurance for Coverage Level Rates in Dallas
Choosing a high level of car insurance coverage in Texas will lead to higher premiums than opting for the legal minimum coverage. It is essential to ensure that your chosen coverage level protects you from all potential expenses in case of an accident.
Dallas, Texas Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| $551 | $561 | $587 |
| $340 | $355 | $370 |
| $308 | $321 | $345 |
| $340 | $355 | $370 |
| $382 | $339 | $342 |
| $408 | $425 | $449 |
| $277 | $292 | $310 |
| $340 | $355 | $370 |
| $350 | $365 | $380 |
| $228 | $236 | $247 |
Low coverage may not be wise if you own an expensive car or have valuable assets, as it could put you at financial risk in an accident.
Dallas, Texas Car Insurance Monthly Rates by Credit Record
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| $721 | $527 | $451 |
 | $729 | $459 | $401 |
| $503 | $283 | $188 |
| $425 | $341 | $296 |
| $483 | $415 | $384 |
 | $414 | $258 | $206 |
| $347 | $202 | $162 |
Car insurance rates differ significantly based on credit scores, with drivers with poor credit typically facing much higher premiums than those with good credit.
Texas insurance companies prioritize driving violations, and high-risk drivers should compare affordable insurance options, even with poor records. Knowing the most affordable choices in the area is very important.
Car insurance costs tend to increase quickly if a city experiences a high number of motor vehicle thefts, as this leads to more claims for insurance providers. Installing an anti-theft device can reduce theft risk, lower insurance costs, and may earn discounts from insurance providers.