Getting the best car insurance in Texas can be expensive and Dallas is no exception. In fact, Dallas car insurance rates tend to be higher than the Texas average. However, do not despair! This does not mean that insuring your car is impossible: out there you can find very good deals that will help you save hundreds of dollars and we will show them to you right away.
And, we analyze what is the best car insurance in Dallas, TX so you can pay an affordable price for your insurance.
The Cheapest Car Insurance Companies in Dallas, Texas
To determine which car insurance company had the best prices for Dallas drivers, we surveyed eleven different insurance companies. The result? Our study shows that residents of this locality could find the most economical auto policy in GEICO. We also found that the average rate to access Dallas auto insurance with full coverage is $1,288.
Note: An option other than GEICO? Examine Progressive. It’s our second-lowest choice for car insurance in Dallas and only costs an additional $100 compared to GEICO’s top-of-the-list policies.
The numbers quoted in the graph above were obtained as follows. To conduct the survey, we developed a driver-specific profile: a 30-year-old male with a clean driving record and single-marital status.
Important: Keep in mind that the rates you would have to pay for car insurance will be determined by several factors, such as your age, the model of the vehicle and its cost, the state in which you live, the locality or neighborhood, gender, marital status, driving history and credit score. Therefore, the best way to discover the cheapest car insurance on the market is to start looking for quotes and compare them.
| Top Cheapest Car Insurance in Dallas, Texas | ||
| Stand | Car Insurance | Average annual rate |
| 1 | GEICO | $1,288 |
| 2 | Progressive | $1,382 |
| 3 | Texas Farm Bureau | $1,464 |
| 4 | State Farm | $1,620 |
| 5 | Mercury | $1,896 |
| 6 | Unitrin | $2,052 |
| 7 | Encompass | $2,353 |
| 8 | 21st Century | $2,460 |
| 9 | MetLife | $3,216 |
| 10 | Kemper Security | $4,596 |
| 11 | Dairyland | $4,704 |
Dallas Auto Insurance Price by Neighborhood
Dallas car insurance rates, as we said earlier, fluctuate depending on many factors. According to our study, the difference between neighborhoods could be up to $200 per year, depending on your location. Below, you can review the average car insurance rates for six Dallas neighborhoods, which are the ones we used to do this research.
| Neighborhood | Average annual car insurance rate |
| Lakewood | $1,552 |
| North Dallas | $1,562 |
| Cityplace / Uptown | $1,591 |
| Oak Lawn | $1,625 |
| Deep Ellum | $1,718 |
| Cadillac Heights | $1,744 |
As you can see, Cadillac Heights, which is south of Dallas, is the most expensive neighborhood on the list, at least of all the locations we explored. In fact, if you look, it’s $200 more expensive than Lakewood. Of course: remember that even if you live in one of the neighborhoods with the most expensive car insurance in the entire city, you could still find good deals comparing several car insurance.
What are the best car insurance companies in Dallas, TX?
We’ve already seen the cheapest car insurers in Dallas, but which are the best? According to the J.D. Power survey (conducted in 2016), the Texas Farm Bureau was the insurer that obtained the highest ratings. Why? Let’s take a look.
According to our research, the Texas Farm Bureau scored the highest car insurer for claims processing speed. The only drawback we see to this insurer is that it is not the cheapest on the list.
In addition, in order to access auto insurance with them, you must first become a member. To do this, you will have to commit to paying an annual fee of $40.