Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Dallas, TX
Company | Average cost | JD Power Rating |
|---|---|---|
State Farm | $108/month | 882 |
Farm Bureau | $113/month | -- |
Germania Insurance | $137/month | -- |
GEICO | $143/month | 874 |
USAA | $144/month | 890 |
Cheapest car insurance rates by ZIP code in Dallas, TX
ZIP code | Average cost |
|---|---|
75252 | $1,936 |
75287 | $1,945 |
75248 | $2,026 |
75244 | $2,039 |
75209 | $2,041 |
75230 | $2,067 |
75254 | $2,072 |
75218 | $2,075 |
75206 | $2,076 |
75253 | $2,078 |
Choosing the right car insurance company in Dallas, TX
Car insurance rates for drivers with driving violations in Dallas, TX
Violation | State Farm | Farm Bureau | Germania Insurance | GEICO | USAA |
|---|---|---|---|---|---|
At-fault accident | $1,553 | $2,335 | $2,267 | $2,637 | $2,812 |
DUI | $2,089 | $2,906 | $3,837 | $2,905 | $2,783 |
Suspended license | $1,821 | $1,473 | $3,052 | $2,905 | $2,577 |
Open container | $1,980 | $2,906 | $1,762 | $2,905 | $2,090 |
Expired registration | $1,311 | $1,473 | $1,762 | $2,016 | $2,090 |
Driving without lights | $1,311 | $1,473 | $1,762 | $2,016 | $2,090 |
Running a red light | $1,311 | $1,473 | $1,762 | $2,016 | $2,090 |
Following too closely | $1,311 | $1,473 | $1,762 | $2,016 | $2,090 |
Hit and run | $2,089 | $1,473 | $3,837 | $2,905 | $2,783 |
Not-at-fault accident | $1,311 | $1,473 | $1,834 | $1,688 | $1,847 |
Passing a school bus | $1,311 | $1,473 | $1,762 | $2,016 | $2,090 |
Reckless driving | $2,089 | $1,473 | $3,837 | $2,905 | $2,783 |
Speeding | $1,311 | $1,473 | $1,762 | $2,905 | $2,090 |
Cheapest car insurance for drivers with bad credit in Dallas, TX
Company | Rates for drivers with bad credit |
|---|---|
Redpoint County Mutual | $1,750 |
Nationwide | $3,232 |
Germania Insurance | $3,234 |
Auto Club | $3,256 |
USAA | $3,279 |
