Cheap Car Insurance in Dallas

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Dallas

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Driving in Dallas comes with unique challenges such as multi-level interchanges, like the High Five, as well as toll roads and a complex network of highways. Proper car insurance that fits your budget can keep you protected during rush hour and in severe weather.

Dallas residents may pay higher rates than Texans in more rural areas, but it’s worth your time to get quotes from multiple insurers in search of the most affordable option. We’ve gathered data from real Jerry customers in Dallas to show you how your age, driving history and desired coverage can affect your rate.

Cheapest minimum coverage insurance in Dallas

Texas requires drivers to carry these coverages at minimum:

  • $30,000 of bodily injury per person.
  • $60,000 of bodily injury per per accident.
  • $25,000 for property damage.

These are the cheapest quotes for minimum coverage that Dallas drivers have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$43 $519 Progressive 55 October 31, 2024 Dallas, TX 75216
$52 $627 Progressive 43 March 6, 2025 Dallas, TX 75224
$56 $669 Progressive 39 March 3, 2025 Dallas, TX 75231
$58 $693 Progressive 50 January 18, 2025 Dallas, TX 75214
$61 $733 Progressive 36 January 16, 2024 Dallas, TX 75235
$61 $733 Progressive 45 February 5, 2024 Dallas, TX 75224
$61 $735 Progressive 33 February 15, 2024 Dallas, TX 75204
$62 $743 Progressive 33 February 24, 2025 Dallas, TX 75229
$63 $751 Progressive 46 February 16, 2025 Dallas, TX 75227
$63 $753 Progressive 45 September 1, 2024 Dallas, TX 75254
Last Updated May 8, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Dallas

When slippery conditions come to town, Dallas driving can become challenging and risky. Full coverage helps pay for damages to your car if you spin out and cause a crash, for example, or if heavy rains cause your vehicle to flood. 

Here are the cheapest full coverage quotes that drivers in Dallas have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$63 $751 Progressive 46 February 16, 2025 Dallas, TX 75227
$63 $753 Progressive 45 September 1, 2024 Dallas, TX 75254
$68 $811 Progressive 54 May 7, 2024 Dallas, TX 75227
$70 $843 Progressive 47 November 22, 2024 Dallas, TX 75230
$72 $859 Progressive 31 March 28, 2025 Dallas, TX 75206
$72 $861 Progressive 29 March 19, 2025 Dallas, TX 75206
$77 $923 Progressive 31 March 11, 2025 Dallas, TX 75235
$83 $993 Progressive 35 January 3, 2025 Dallas, TX 75201
$86 $1,037 Progressive 52 March 6, 2025 Dallas, TX 75287
$92 $1,105 Progressive 53 April 7, 2025 Dallas, TX 75219
Last Updated May 7, 2025

Cheapest car insurance for young drivers in Dallas (18-29 years old)

Younger drivers may be at a disadvantage when it comes to car insurance coverage because insurers view their lack of experience as risky, and often charge them higher rates. It’s wise to compare quotes from multiple insurers to find the right coverage at the lowest price.

Here are the cheapest quotes that real Jerry customers in Dallas between 18 and 29 have received.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$72 $861 Progressive 29 Yes March 19, 2025 Dallas, TX 75206
$73 $871 Progressive 28 No January 27, 2025 Dallas, TX 75252
$74 $893 Progressive 26 No February 27, 2025 Dallas, TX 75254
$74 $893 Progressive 29 No March 27, 2025 Dallas, TX 75201
$79 $949 Progressive 24 No April 27, 2025 Dallas, TX 75220
Last Updated May 7, 2025

Cheapest car insurance for mature drivers in Dallas (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$52 $627 Progressive 43 No March 6, 2025 Dallas, TX 75224
$54 $644 Safeco 40 No November 26, 2023 Dallas, TX 75231
$56 $669 Progressive 39 No March 3, 2025 Dallas, TX 75231
$58 $693 Progressive 50 No January 18, 2025 Dallas, TX 75214
$61 $733 Progressive 45 No February 5, 2024 Dallas, TX 75224
Last Updated May 7, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$43 $519 Progressive 55 No October 31, 2024 Dallas, TX 75216
$67 $801 The General 58 No March 19, 2025 Dallas, TX 75217
$67 $801 Progressive 72 No March 28, 2025 Dallas, TX 75212
$68 $815 The General 55 No January 25, 2025 Dallas, TX 75217
$73 $871 Aspen 66 No March 9, 2024 Dallas, TX 75287
Last Updated May 7, 2025

Cheapest car insurance for drivers with clean records in Dallas

Here are the cheapest quotes that Dallas drivers with clean records have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$43 $519 Progressive 55 October 31, 2024 No Dallas, TX 75216
$52 $627 Progressive 43 March 6, 2025 No Dallas, TX 75224
$54 $644 Safeco 40 November 26, 2023 No Dallas, TX 75231
$56 $669 Progressive 39 March 3, 2025 No Dallas, TX 75231
$58 $693 Progressive 50 January 18, 2025 No Dallas, TX 75214
$61 $733 Progressive 45 February 5, 2024 No Dallas, TX 75224
$61 $735 Progressive 33 February 15, 2024 No Dallas, TX 75204
$65 $779 Progressive 41 January 25, 2024 No Dallas, TX 75287
$65 $783 Assurance America 35 July 11, 2024 No Dallas, TX 75201
$67 $801 The General 58 March 19, 2025 No Dallas, TX 75217
Last Updated May 7, 2025

Cheapest car insurance for drivers with low credit scores in Dallas

A low credit score often leads to higher car insurance premiums, but with a little comparison shopping, you can still find solid coverage at a low rate. Here are the cheapest quotes that Dallas drivers with credit scores below 550 have received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $68 $815 The General 55 January 25, 2025 Dallas, TX 75217
<550 $77 $927 The General 49 December 28, 2024 Dallas, TX 75217
<550 $79 $942 Progressive 64 April 2, 2025 Dallas, TX 75219
<550 $87 $1,041 The General 47 October 16, 2024 Dallas, TX 75243
<550 $90 $1,075 The General 37 February 6, 2024 Dallas, TX 75232
Last Updated May 7, 2025

Cheapest car insurance for drivers with at-fault accidents in Dallas

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $61 $733 Progressive 36 No January 16, 2024 Dallas, TX 75235
At Fault With No Injury $62 $743 Progressive 33 No February 24, 2025 Dallas, TX 75229
At Fault With No Injury $63 $751 Progressive 46 Yes February 16, 2025 Dallas, TX 75227
At Fault With No Injury $63 $753 Progressive 45 Yes September 1, 2024 Dallas, TX 75254
At Fault With No Injury $66 $787 Progressive 31 No January 18, 2024 Dallas, TX 75254
Last Updated May 7, 2025

Cheapest car insurance for drivers with speeding tickets in Dallas

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding over 15 $62 $743 Progressive 33 February 24, 2025 Dallas, TX 75229
Speeding under 15 $83 $993 Progressive 35 January 3, 2025 Dallas, TX 75201
Speeding under 15 $92 $1,103 Aspen 40 July 12, 2024 Dallas, TX 75238
Speeding over 15 $95 $1,139 Bluefire 50 December 8, 2023 Dallas, TX 75287
Speeding under 15 $106 $1,271 Progressive 30 January 18, 2024 Dallas, TX 75217
Last Updated May 7, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.