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 accident.
- $25,000 for property damage.
These are the cheapest quotes for minimum coverage that Dallas drivers have received via Jerry.
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $63 | $761 | 44 | 08/14/25 | 75206 | ||
| $67 | $801 | 41 | 06/19/25 | 75219 | ||
| $69 | $831 | 37 | 06/13/25 | 75201 | ||
| $78 | $936 | 33 | 09/10/25 | 75206 | ||
| $78 | $941 | 54 | 07/15/25 | 75211 | ||
| $79 | $952 | 44 | 06/23/25 | 75208 | ||
| $80 | $965 | 38 | 06/14/25 | 75248 | ||
| $82 | $979 | 61 | 10/10/25 | 75249 | ||
| $83 | $992 | 62 | 05/17/25 | 75217 | ||
| $87 | $1,039 | 38 | 06/18/25 | 75232 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $20 | $242 | 24 | No | 07/25/25 | 75287 | ||
| $22 | $267 | 28 | No | 06/22/25 | 75251 | ||
| $22 | $269 | 24 | No | 06/19/25 | 75243 | ||
| $40 | $485 | 18 | No | 08/01/25 | 75228 | ||
| $46 | $548 | 26 | No | 08/04/25 | 75214 | ||
| $79 | $952 | 44 | 06/23/25 | 75208 | |||
| $80 | $965 | 38 | 06/14/25 | 75248 | |||
| $82 | $979 | 61 | 10/10/25 | 75249 | |||
| $83 | $992 | 62 | 05/17/25 | 75217 | |||
| $87 | $1,039 | 38 | 06/18/25 | 75232 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $21 | $248 | 54 | No | 09/07/25 | 75219 | ||
| $21 | $256 | 51 | No | 07/24/25 | 75287 | ||
| $24 | $284 | 33 | No | 10/17/25 | 75254 | ||
| $30 | $360 | 49 | No | 08/07/25 | 75240 | ||
| $33 | $394 | 44 | No | 07/25/25 | 75206 | ||
| $79 | $952 | 44 | 06/23/25 | 75208 | |||
| $80 | $965 | 38 | 06/14/25 | 75248 | |||
| $82 | $979 | 61 | 10/10/25 | 75249 | |||
| $83 | $992 | 62 | 05/17/25 | 75217 | |||
| $87 | $1,039 | 38 | 06/18/25 | 75232 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $28 | $335 | 57 | No | 10/09/25 | 75248 | ||
| $28 | $341 | 67 | No | 06/29/25 | 75240 | ||
| $30 | $364 | 56 | No | 10/14/25 | 75287 | ||
| $47 | $567 | 56 | No | 06/12/25 | 75214 | ||
| $51 | $610 | 60 | No | 10/19/25 | 75219 | ||
| $79 | $952 | 44 | 06/23/25 | 75208 | |||
| $80 | $965 | 38 | 06/14/25 | 75248 | |||
| $82 | $979 | 61 | 10/10/25 | 75249 | |||
| $83 | $992 | 62 | 05/17/25 | 75217 | |||
| $87 | $1,039 | 38 | 06/18/25 | 75232 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $20 | $242 | 24 | 07/25/25 | No | 75287 | ||
| $21 | $248 | 54 | 09/07/25 | No | 75219 | ||
| $21 | $256 | 51 | 07/24/25 | No | 75287 | ||
| $22 | $267 | 28 | 06/22/25 | No | 75251 | ||
| $22 | $269 | 24 | 06/19/25 | No | 75243 | ||
| $24 | $284 | 33 | 10/17/25 | No | 75254 | ||
| $28 | $335 | 57 | 10/09/25 | No | 75248 | ||
| $28 | $341 | 67 | 06/29/25 | No | 75240 | ||
| $30 | $360 | 49 | 08/07/25 | No | 75240 | ||
| $30 | $364 | 56 | 10/14/25 | No | 75287 |
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
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $32 | $379 | 59 | 03/14/25 | 75252 | ||
| <550 | $35 | $424 | 40 | 09/10/25 | 75228 | ||
| <550 | $48 | $579 | 31 | 08/02/25 | 75217 | ||
| <550 | $64 | $767 | 30 | 07/07/25 | 75231 | ||
| <550 | $86 | $1,035 | 34 | 01/14/25 | 75211 | ||
| $24 | $284 | 33 | 75254 | ||||
| $28 | $335 | 57 | 75248 | ||||
| $28 | $341 | 67 | 75240 | ||||
| $30 | $360 | 49 | 75240 | ||||
| $30 | $364 | 56 | 75287 |
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 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 | $67 | $799 | 41 | No | 02/07/25 | 75206 | ||
| At Fault With No Injury | $74 | $889 | 25 | No | 10/25/24 | 75203 | ||
| At Fault With No Injury | $77 | $923 | 63 | No | 07/12/25 | 75218 | ||
| At Fault With No Injury | $80 | $959 | 30 | No | 05/26/25 | 75236 | ||
| At Fault With No Injury | $86 | $1,037 | 28 | No | 08/20/25 | 75230 | ||
| $24 | $284 | 33 | No | 75254 | ||||
| $28 | $335 | 57 | No | 75248 | ||||
| $28 | $341 | 67 | No | 75240 | ||||
| $30 | $360 | 49 | No | 75240 | ||||
| $30 | $364 | 56 | No | 75287 |
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 Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $29 | $345 | 32 | 10/23/25 | 75231 | ||
| Speeding over 15 | $53 | $639 | 57 | 10/01/25 | 75254 | ||
| Speeding over 15 | $54 | $642 | 28 | 05/21/25 | 75230 | ||
| Speeding over 15 | $61 | $734 | 56 | 09/21/25 | 75287 | ||
| Speeding under 15 | $75 | $894 | 27 | 07/10/25 | 75204 | ||
| $24 | $284 | 33 | 10/17/25 | 75254 | |||
| $28 | $335 | 57 | 10/09/25 | 75248 | |||
| $28 | $341 | 67 | 06/29/25 | 75240 | |||
| $30 | $360 | 49 | 08/07/25 | 75240 | |||
| $30 | $364 | 56 | 10/14/25 | 75287 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from 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.
