Cheap Car Insurance in Dallas (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 5, 2025
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Cheap Car Insurance in Dallas (July 2025)

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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.

More: Best car insurance in Texas

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
$34 $405 Progressive 30 December 15, 2024 Dallas, TX 75204
$37 $448 Safeco 54 June 24, 2025 Dallas, TX 75227
$38 $459 Progressive 27 June 26, 2025 Dallas, TX 75234
$42 $503 Progressive 56 June 17, 2025 Dallas, TX 75214
$43 $519 Progressive 55 October 31, 2024 Dallas, TX 75216
$44 $523 Progressive 39 January 27, 2025 Dallas, TX 75287
$47 $565 Progressive 41 February 24, 2025 Dallas, TX 75236
$49 $583 Progressive 41 March 22, 2025 Dallas, TX 75252
$52 $619 Progressive 30 July 8, 2024 Dallas, TX 75287
$52 $627 Progressive 43 March 6, 2025 Dallas, TX 75224
Last Updated Jul 6, 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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More: Cheapest car insurance in Texas

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
$52 $619 Progressive 30 July 8, 2024 Dallas, TX 75287
$58 $699 Progressive 37 June 11, 2025 Dallas, TX 75231
$63 $753 Progressive 45 September 1, 2024 Dallas, TX 75254
$63 $759 Progressive 32 May 14, 2025 Dallas, TX 75219
$65 $781 Progressive 43 October 3, 2024 Dallas, TX 75217
$65 $785 Progressive 69 May 11, 2025 Dallas, TX 75287
$67 $805 Progressive 62 April 5, 2025 Dallas, TX 75234
$68 $811 Progressive 54 May 7, 2024 Dallas, TX 75227
$70 $835 Progressive 34 May 3, 2024 Dallas, TX 75240
$70 $835 Progressive 30 July 3, 2025 Dallas, TX 75206
Last Updated Jul 6, 2025

More: Best car insurance companies

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
$54 $647 Progressive 26 No December 9, 2024 Dallas, TX 75206
$58 $691 Progressive 27 Yes June 26, 2025 Dallas, TX 75234
$65 $781 Progressive 27 No June 24, 2025 Dallas, TX 75287
$71 $849 Progressive 29 No April 9, 2024 Dallas, TX 75234
$72 $861 Progressive 29 Yes March 19, 2025 Dallas, TX 75206
Last Updated Jul 2, 2025

More: Get cheap car insurance the smart way, today

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
$34 $405 Progressive 30 No December 15, 2024 Dallas, TX 75204
$37 $448 Safeco 54 No June 24, 2025 Dallas, TX 75227
$44 $523 Progressive 39 No January 27, 2025 Dallas, TX 75287
$47 $565 Progressive 41 No February 24, 2025 Dallas, TX 75236
$49 $583 Progressive 41 No March 22, 2025 Dallas, TX 75252
Last Updated Jul 2, 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
$42 $503 Progressive 56 No June 17, 2025 Dallas, TX 75214
$43 $519 Progressive 55 No October 31, 2024 Dallas, TX 75216
$56 $667 Progressive 66 No October 16, 2024 Dallas, TX 75227
$65 $785 Progressive 69 Yes May 11, 2025 Dallas, TX 75287
$67 $801 The General 58 No March 19, 2025 Dallas, TX 75217
Last Updated Jul 6, 2025

More: Best car insurance for seniors

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
$37 $448 Safeco 54 June 24, 2025 No Dallas, TX 75227
$38 $459 Progressive 27 June 26, 2025 No Dallas, TX 75234
$43 $519 Progressive 55 October 31, 2024 No Dallas, TX 75216
$44 $523 Progressive 39 January 27, 2025 No Dallas, TX 75287
$47 $565 Progressive 41 February 24, 2025 No Dallas, TX 75236
$52 $619 Progressive 30 July 8, 2024 Yes Dallas, TX 75287
$52 $627 Progressive 43 March 6, 2025 No Dallas, TX 75224
$54 $643 Progressive 47 June 17, 2025 No Dallas, TX 75230
$54 $647 Progressive 26 December 9, 2024 No Dallas, TX 75206
$56 $667 Progressive 66 October 16, 2024 No Dallas, TX 75227
Last Updated Jul 2, 2025

Cheapest car insurance for drivers with low credit scores in Dallas

A low credit-based insurance score often leads to higher car insurance premiums, but with a little effort shopping for auto insurance, 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 $73 $873 Progressive 43 October 3, 2024 Dallas, TX 75217
<550 $77 $927 The General 49 December 28, 2024 Dallas, TX 75217
<550 $78 $931 The General 48 February 16, 2025 Dallas, TX 75228
<550 $79 $942 Progressive 64 April 2, 2025 Dallas, TX 75219
Last Updated Jul 2, 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 $42 $503 Progressive 56 No June 17, 2025 Dallas, TX 75214
At Fault With No Injury $49 $583 Progressive 41 No March 22, 2025 Dallas, TX 75252
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 $753 Progressive 45 Yes September 1, 2024 Dallas, TX 75254
Last Updated Jul 6, 2025

More: What is an at-fault accident?

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 under 15 $53 $633 Progressive 32 May 25, 2025 Dallas, TX 75204
Speeding over 15 $62 $743 Progressive 33 February 24, 2025 Dallas, TX 75229
Speeding under 15 $65 $777 Progressive 33 April 6, 2025 Dallas, TX 75243
Speeding over 15 $77 $923 Progressive 26 October 7, 2024 Dallas, TX 75214
Speeding under 15 $85 $1,023 Progressive 35 January 3, 2025 Dallas, TX 75201
Last Updated Jul 2, 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.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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.