Average car insurance cost in Dallas, Texas

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Our analysis shows that drivers in Dallas pay about $3,184 per year for car insurance. It is $553 more than the Texas average and $671 more than the nationwide average.

Where you live plays a big role in how much you pay for car insurance. Areas with high population density, theft and accident rates tend to have higher premiums.

Comparing car insurance rates in Dallas to state and national averages can help you determine if you’re getting a good deal or if it’s time to explore other options. Below, we outline local trends, rate differences and ways to save.

Cheap car insurance companies in Dallas

Texas Farm Bureau offers the cheapest full coverage car insurance in Dallas at $1,686 per year with coverage limits of $100,000 in bodily injury per person, $300,000 total per accident and $100,000 for property damage.

The second most affordable option in Dallas is Redpoint Insurance, with an average annual premium of $2,179.

Car insurance rates differ from one company to another because each insurer has its own underwriting process to determine premiums. That’s why shopping around and comparing quotes from multiple insurance companies is key to finding affordable coverage that meets your needs.

The following table compares average yearly and monthly car insurance costs from different companies in Dallas.

Read about the best car insurance companies.

Average car insurance cost in Dallas by coverage limits

Here’s a breakdown of average car insurance rates in Dallas by coverage type.

• State minimum coverage: $780 per year (limits are $25,000 bodily injury liability per person, $50,000 total bodily injury liability per accident and $25,000 property damage liability per accident).
• Liability only coverage: $1,159 per year (limits are $50,000 bodily injury liability per person, $100,000 total bodily injury liability per accident and $50,000 property damage liability per accident).
• Full coverage: $3,184 per year (limits are $100,000 bodily injury liability per person, $300,000 total bodily injury liability per accident and $100,000 property damage liability per accident).
• Non-owners coverage: $524 per year

Most states require drivers to purchase minimum liability insurance to drive legally, but the minimum required limits vary. This coverage helps pay for injuries or damage you cause to others in an accident.

However, a liability-only policy won’t cover damage to your car or medical expenses if you’re at fault. You’ll need to add collision and comprehensive coverage to your policy to protect your car.

Average car insurance rates by gender in Dallas

In Dallas, the average annual car insurance cost for female drivers is $3,187. Male drivers, on the other hand, pay $3,181 per year – that’s $6 less than what female drivers pay. While most states allow insurers to use gender when setting rates, there are states, including California, Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania that prohibit the use of gender as a rating factor.

According to the Insurance Information Institute, or Triple-I, women tend to drive more cautiously and are involved in fewer serious accidents than men. Insurers factor this into their premium calculations, which is why men often pay more for car insurance.

Read more on how gender affects car insurance rates.

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Average car insurance rates by age in Dallas

Teen drivers in Dallas pay the highest car insurance premiums, at $9,052 per year or $754 per month.

Data from the Insurance Information Institute shows that teens aged 16 to 19 are more likely to be involved in crashes due to inexperience, which leads to higher insurance rates. On average, teen drivers pay $4,407 more annually than young adult drivers.

As teen drivers get older and gain more experience, their car insurance premiums usually decrease. On average, young adults aged 20 to 24 pay $4,645 per year for car insurance – that’s $4,407 less than what teen drivers typically pay.

Adult drivers aged 25 to 55 pay an average of $3,176 per year for car insurance, while seniors aged 60 to 75 pay around $3,095 annually.

Read more on auto insurance for seniors.

Below you’ll find average annual full coverage car insurance rates for drivers of different age groups.

Car insurance rate trends in Dallas

Car insurance rates in Dallas saw an upward trend between 2023 to 2025. During this period, average premiums Increased by 40% – a change of about $906.

The graph below tracks insurance costs from 2022 to 2025, highlighting long-term trends that help explain today’s rate changes.

How drivers can save on insurance even with higher rates

Car insurance rates in Dallas are higher than the Texas state average. To find affordable coverage, consider comparing quotes from at least three to five insurers. You can also save by taking advantage of discounts for safe driving, low annual mileage or bundling your policies.

Methodology

Insure.com commissioned car insurance rates in 2025 from Quadrant Information Services. To determine the average premiums, our team of data analysts and expert editors analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

• $100,000 bodily injury per person
• $300,000 bodily injury per accident
• $100,000 property damage per accident
• $500 comprehensive and collision deductible

The quoted insurance rates are for comparison purposes, and your rates may vary.

Shivani Gite

Contributing Writer

 

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Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.