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 |
If you have a loan or lease on your vehicle, the lender will require
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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 |
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.
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.
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.
