Cheap Car Insurance in Dallas (July 2025)

Written by Xuyun Zeng and 1 other
Updated Jul 23, 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 Quote
City, State
ZIP Code
$35 $422 Geico 53 July 26, 2025 Dallas, TX 75215
$39 $464 Geico 43 July 14, 2025 Dallas, TX 75201
$41 $490 Geico 25 April 9, 2025 Dallas, TX 75217
$47 $569 Progressive 40 June 18, 2025 Dallas, TX 75211
$48 $576 Geico 46 April 29, 2025 Dallas, TX 75219
$49 $591 Progressive 33 July 23, 2025 Dallas, TX 75231
$51 $613 Progressive 44 June 25, 2025 Dallas, TX 75287
$51 $615 Progressive 40 June 20, 2025 Dallas, TX 75217
$52 $624 Bluefire 54 July 14, 2025 Dallas, TX 75287
$52 $629 Progressive 45 June 28, 2025 Dallas, TX 75219
Last Updated Jul 30, 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 Quote
City, State
ZIP Code
$67 $801 Progressive 41 June 19, 2025 Dallas, TX 75219
$67 $807 Progressive 45 June 28, 2025 Dallas, TX 75206
$67 $808 ROOT 33 May 17, 2025 Dallas, TX 75248
$70 $835 Progressive 41 June 19, 2025 Dallas, TX 75209
$78 $931 Progressive 40 March 31, 2025 Dallas, TX 75243
$80 $959 Progressive 45 June 25, 2025 Dallas, TX 75287
$82 $981 Progressive 45 June 24, 2025 Dallas, TX 75215
$87 $1,039 Progressive 40 June 18, 2025 Dallas, TX 75232
$87 $1,041 Progressive 39 June 16, 2025 Dallas, TX 75214
$89 $1,066 ROOT 54 June 4, 2025 Dallas, TX 75227
Last Updated Jul 30, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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 Quote
City, State
ZIP Code
$53 $641 Progressive 24 No June 8, 2025 Dallas, TX 75204
$66 $795 Progressive 26 No March 19, 2025 Dallas, TX 75287
$77 $927 Progressive 22 No July 25, 2025 Dallas, TX 75237
$78 $937 Progressive 24 No April 11, 2025 Dallas, TX 75217
$79 $946 Geico 23 No April 5, 2025 Dallas, TX 75231
Last Updated Jul 30, 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 Quote
City, State
ZIP Code
$35 $422 Geico 32 No June 18, 2025 Dallas, TX 75246
$47 $569 Progressive 40 No June 18, 2025 Dallas, TX 75211
$48 $576 Geico 46 No April 29, 2025 Dallas, TX 75219
$51 $613 Progressive 44 No June 25, 2025 Dallas, TX 75287
$51 $615 Progressive 40 No June 20, 2025 Dallas, TX 75217
Last Updated Jul 30, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$58 $697 The General 56 No February 4, 2025 Dallas, TX 75253
$62 $738 Geico 66 No July 2, 2025 Dallas, TX 75227
$74 $891 Bristol West 62 No March 10, 2025 Dallas, TX 75235
$76 $913 National General 62 No April 5, 2025 Dallas, TX 75234
$79 $949 Liberty Mutual 56 No March 17, 2025 Dallas, TX 75219
Last Updated Jul 30, 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 Quote
Has Full Coverage
City, State
ZIP Code
$35 $422 Geico 32 June 18, 2025 No Dallas, TX 75246
$47 $569 Progressive 40 June 18, 2025 No Dallas, TX 75211
$48 $576 Geico 46 April 29, 2025 No Dallas, TX 75219
$51 $613 Progressive 44 June 25, 2025 No Dallas, TX 75287
$51 $615 Progressive 40 June 20, 2025 No Dallas, TX 75217
$52 $629 Progressive 45 June 28, 2025 No Dallas, TX 75219
$53 $630 Geico 30 March 31, 2025 No Dallas, TX 75231
$53 $641 Progressive 24 June 8, 2025 No Dallas, TX 75204
$58 $692 ROOT 34 July 28, 2025 No Dallas, TX 75206
$58 $697 The General 56 February 4, 2025 No Dallas, TX 75253
Last Updated Jul 30, 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 $64 $767 Progressive 30 July 7, 2025 Dallas, TX 75231
<550 $75 $899 Progressive 28 July 16, 2025 Dallas, TX 75217
<550 $79 $942 Progressive 64 April 2, 2025 Dallas, TX 75219
<550 $79 $943 Progressive 60 July 3, 2025 Dallas, TX 75229
<550 $85 $1,025 Progressive 71 May 13, 2025 Dallas, TX 75229
Last Updated Jul 24, 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 $63 $753 Progressive 45 Yes September 1, 2024 Dallas, TX 75254
At Fault With No Injury $64 $769 Progressive 54 No July 21, 2025 Dallas, TX 75201
At Fault With No Injury $67 $799 Progressive 41 No February 7, 2025 Dallas, TX 75206
At Fault With No Injury $70 $835 Progressive 34 Yes May 3, 2024 Dallas, TX 75240
Last Updated Jul 24, 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 under 15 $64 $769 Progressive 54 July 21, 2025 Dallas, TX 75201
Speeding under 15 $77 $923 Progressive 26 October 7, 2024 Dallas, TX 75214
Speeding under 15 $77 $923 The General 63 July 12, 2025 Dallas, TX 75218
Speeding under 15 $90 $1,081 ROOT 35 May 24, 2025 Dallas, TX 75206
Last Updated Jul 24, 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.

meet-experts-thumbnail
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.