---
title: '4 Best Tips For Buying Cheap Car Insurance in Dallas, TX'
date: '2026-04-23'
permalink: 'https://jerry.ai/car-insurance/texas/dallas/'
author: 'Megan Lee'
description: "Dallas drivers may pay higher premiums than Texans in more rural areas, which means it's wise to cost-compare with multiple carriers to find the best rate."
image: 'https://jerry.ai/wp-content/uploads/2024/11/Texas.png'
---

Updated April 23, 2026

Who is Jerry? 



Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

- Read about our editorial standards [here](/editorial-standards/).















# Cheap car insurance in Dallas, TX 

Dallas drivers pay an **average of**$375**a month**for full coverage and $155**a month**for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with **no spam calls and no pressure**.





$42Lowest state minimum quote Jerry has found in last 12 months



$139Lowest full coverage quote Jerry has found in last 12 months



$284Average monthly savings for drivers who switch and find savings



[Get Quotes](/signup/insured)









![3d animated pink car next to coins and a price tag](/wp-content/uploads/2024/11/Cheap-car-insurance.png)

Dallas car insurance rates reflect a unique combination of pressures that affect the North Texas market specifically. The Dallas-Fort Worth metroplex sits in **one of the most active hail corridors in the United States**, with severe convective storms producing some of the largest single-event property insurance losses in the country. In 2023, [Texas led the nation in hail events](https://capitol.texas.gov/tlodocs/88R/handouts/C4502024091709001/5ebf3ef6-f2b1-4780-ba85-a94e758703a3.PDF), and **hail damage now accounts for roughly 12% of all U.S. comprehensive vehicle claims**with an average claim cost above $5,700, both up sharply from a few years ago.

Layered on top of that are about **one in seven Texas drivers operating without insurance**, dense urban traffic and a deep non-standard carrier market that gives drivers with violations or [coverage lapses](/car-insurance/insurance-lapse/)real options that don’t exist in many other states. **Most drivers renew without comparing carriers**, which means competing insurers never get a chance to price the same risk profile differently.

**Jerry compares 100+ insurers to help you save.** We’ve found quotes for Dallas drivers starting as low as $139per month for full coverage (Lemonade) and $60per month for state minimum (GEICO) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

### Real recent quotes Jerry found for Dallas drivers 

Here are some recent quotes Jerry has pulled for drivers in Dallas. These aren’t sample rates — they’re **actual quotes pulled for Dallas drivers**in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

| Name | Date | Make | Insurer | Coverage level | Monthly quote | Savings |
|---|---|---|---|---|---|---|
|  |  |  |  |  |  |  |
|  | 07/14/26 | Nissan Versa S |  | Basic + Full Coverage | $121 | 45% |
|  | 07/14/26 | Nissan Rogue S |  | Standard | $112 | 23% |
|  | 07/14/26 | Lexus Is 300 |  | Standard | $316 | 64% |
|  | 07/14/26 | Mercedes-Benz GLB 250 |  | Standard | $142 | 25% |
|  | 07/14/26 | Nissan Versa S |  | Basic + Full Coverage | $214 | 15% |



Last Updated July 15, 2026







*Based on Jerry customers with clean driving records who found savings in the past one month. Savings depend on coverage and other factors. Potential savings will vary.*















![Gemini Generated Image qotsuzqotsuzqots](/wp-content/uploads/2025/10/Gemini_Generated_Image_qotsuzqotsuzqots.png)**Jerry pulls up to 20 quotes from top rated carriers**.

[Compare quotes](/signup)















*Based on Jerry customers with clean driving records who found savings in the past one month. Savings depend on coverage and other factors. Potential savings will vary.*















## What are the cheapest car insurance companies in Dallas? 

Right now, GEICOis the cheapest average carrier for Dallas drivers at **around**$60**per month for state minimum coverage** — but “cheapest overall” doesn’t always mean cheapest for you.

Dallas’s carrier landscape has a few specific dynamics worth knowing about before you compare:

- **Texas’s deep non-standard carrier market shapes the cheapest-by-clean-record results.**While the cheapest option for Dallas drivers with clean records is Anchor General, that ranking can be counterintuitive. [Anchor General](/reviews/car-insurance/anchor-general/)specializes in non-standard auto for higher-risk drivers in Texas, [California](/car-insurance/california/)and [Arizona](/car-insurance/arizona/), and its base rates are often priced aggressively low. The trade-off is a lower financial strength rating and a heavier customer-complaint profile than most standard carriers. For drivers with clean records who could qualify for standard pricing, comparing Anchor General against standard-market options like [GEICO](/reviews/car-insurance/geico/)and [Progressive](/reviews/car-insurance/progressive/)is the only way to know whether the savings are worth that trade-off.
- **Hail exposure pushes comprehensive premiums up across every carrier.**Carriers writing comprehensive coverage in Dallas-Fort Worth are pricing in one of the most active hail corridors in the country. North Texas storms in May 2024 alone caused over $2.3 billion in property damage, and June 2023 storms in DFW produced $7 to $10 billion in losses with hail accounting for 95% of the damages. Different carriers spread that exposure across their books differently, which is why comprehensive premium gaps between carriers can be wider in Dallas than in metros without that hail risk.
- **Root and similar telematics-driven carriers can win on full coverage for safe drivers.**[Root](/reviews/car-insurance/root/)prices its policies primarily based on how you actually drive, measured through a smartphone-based test drive. Drivers who score well on braking, cornering, speed and time-of-day metrics can land at or near the bottom of Dallas full-coverage averages. Drivers who don’t score well usually don’t get a competitive quote at all. This carrier model isn’t the right fit for everyone, but for safe drivers it represents real savings that traditional pricing models can miss.
- **Texas’s file-and-use rate environment lets carrier pricing shift quickly.**Texas allows insurers to use new rates as soon as they’re filed with the Texas Department of Insurance, with TDI review happening after the rates take effect. That’s a more flexible system than the prior-approval rules in some other states, and it means the carrier that priced your profile most competitively six months ago may not be the cheapest now. Re-shopping at every renewal matters more in Texas than in stricter rate-regulation states.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. **Jerry compares all of these factors across 100+ insurers**at once, so you’re not guessing which scenario applies to you.

GEICOis the cheapest car insurance company in Dallas for state minimum coverage at an **average of**$60**per month.**

##### Cheapest carriers in Dallas by average, state minimum coverage 

| Insurer | Average monthly cost | Cheapest quote we’ve found |
|---|---|---|
|  |  |  |
| GEICO | $60 | $42 |
| GEICO | $60 | $42 |
| Lemonade | $95 | $77 |
| Progressive | $103 | $66 |
| Root | $103 | $81 |



Last Updated June 23, 2026







*Based on Jerry data from the past 12 months.*















Lemonadeis the cheapest car insurance company in Dallas for full coverage at an **average of**$197**per month.**

##### Cheapest carriers in Dallas by average, full coverage 

| Insurer | Average monthly cost | Cheapest quote we’ve found |
|---|---|---|
|  |  |  |
| Lemonade | $197 | $139 |
| Root | $252 | $184 |
| Progressive | $262 | $156 |
| Gainsco | $280 | $208 |
| Mercury | $290 | $178 |



Last Updated July 17, 2026







*Based on Jerry data from the past 12 months.*















**Key takeaway:**GEICOis the cheapest option for most Dallas drivers, but Anchor Generaloften comes in cheapest on absolute-floor pricing for drivers willing to accept a non-standard carrier. Jerry shows you multiple quotes at once so you can compare and save.









![Lifestyle2 1](/wp-content/uploads/2025/10/Lifestyle2-1.png)**Compare 100+ insurers through Jerry in less than 5 minutes**

[Compare quotes](/signup)











## Why is car insurance expensive in Dallas? 

Drivers in Dallas with clean records average $279/mo, which is above the TX state average ($260/mo) but close to the national average of $261/mo. **Dallas isn’t the most expensive U.S. car insurance market**, but it carries a distinct mix of weather, road and uninsured-driver pressures that keep rates higher than they need to be for drivers who don’t shop around.

**⛈️ Hail and severe convective storms**

The Dallas-Fort Worth corridor sits in [one of the most active hail corridors in the United States](https://capitol.texas.gov/tlodocs/88R/handouts/C4502024091709001/5ebf3ef6-f2b1-4780-ba85-a94e758703a3.PDF). Texas was the number-one state for hail events in 2023 with over 1,100 significant events recorded by NOAA, and hail damage now accounts for roughly 12% of all U.S. comprehensive vehicle claims, up from 6.8% the year before. The average hail claim cost in Texas is over $5,700.



**🛣️ Highway commuting and traffic density**

Dallas drivers face [some of the most congested commutes](https://mobility.tamu.edu/umr/)in the country, with the LBJ Freeway, the High Five Interchange and the I-35E corridor all seeing heavy daily volumes. More miles driven and more time spent in stop-and-go traffic both correlate with higher accident frequency, which feeds into both collision and liability premiums.



**⚠️ About one in seven Texas drivers is uninsured**

Roughly 14% of Texas drivers drove their vehicle without liability insurance in 2022, in line with the national average [per the Insurance Research Council](https://insurance-research.org/news/14-percent-us-drivers-were-uninsured-2022-irc-estimates). That uninsured share gets passed through to insured drivers in higher uninsured motorist premiums, and makes the case for adding UM coverage stronger here than in lower-uninsured states.



**⚠️🔧 Vehicle theft and parts costs**

The Dallas-Fort Worth area consistently ranks among the higher theft U.S. metros, and the 2022 to 2024 [Hyundai and Kia theft trend](https://www.nicb.org/news/news-releases/nicb-releases-2023-hot-spots-vehicle-theft-report)has hit Texas hard. Beyond outright theft, rising vehicle parts and labor costs nationwide have pushed average claim severity up across the board, including in Dallas.





**[No-fault](/car-insurance/no-fault-states/)vs. [at-fault](/car-insurance/at-fault-states/):**Texas is an at-fault state. After an accident, the at-fault driver’s insurance pays for the other party’s medical bills, lost wages and property damage through their liability coverage. With about 14% of Texas drivers uninsured, [uninsured motorist coverage](/car-insurance/uninsured-motorist-coverage/)is especially worth carrying in Dallas even though it’s not legally required.









## Dallas car insurance rates by ZIP code 

Where you park your car at night matters in Dallas, though probably not as much as you’d think. The gap between the cheapest and most expensive ZIPs is real but rarely dramatic — **your address nudges your premium rather than defining it**.

The reasons track with what you’d guess from driving around DFW. Insurers price for risk, and risk concentrates where cars get broken into more often, where claims pile up on congested highways, and where dense traffic means more chances for something to go wrong. Quieter streets and fewer accident-prone intersections translate into cheaper rates.The pattern is one most Dallas residents would recognize: **northern and northwestern ZIPs tend to land on the affordable end**, while **southern Dallas runs pricier**. It’s a tendency and not a rule, but consistent enough to know that your side of town gives you a sense of where pricing will land before you ever pull a quote.

### Cheapest ZIP codes

The cheapest ZIPs in Jerry’s Dallas data cluster are in the northwest, the Park Cities and a handful of outer suburbs. Bluffview and the Northwest Highway corridor lead the list, followed by the Baylor and Old East Dallas medical district. Coppell shows up as one of the few true suburbs to make the cut. Rounding things out are Far North Dallas near the Carrollton border, the Mountain Creek area, the Park Cities themselves, Oak Lawn and Turtle Creek, Farmers Branch, and the Stemmons Corridor. What ties many of these together is the underlying risk profile: lower claim frequency, less theft and lighter traffic density than the metro average.

75209

Innwood, Briarwood, Bluffview



$202

75246

Baylor University Medical Center



$190

75019

Coppell



$192

75287

Preston Ridge, Timber Glen



$199



### Most expensive ZIP codes 

On the more expensive end, the priciest ZIPs in Jerry’s Dallas data cluster in southern Dallas, with a notable outlier up in the suburbs: Hurst, in Tarrant County, actually leads the list. Among Dallas city ZIPs, Oak Cliff and South Dallas top the chart, followed by Red Bird and Wynnewood, Pleasant Grove, the Stemmons Corridor, Lake Highlands, Preston Hollow, Lakewood and East Dallas, and Highland Hills, all pricing above the city average. The drivers are familiar: higher claim frequency, more theft pressure and heavier traffic density combine to push rates up.

76054

Hurst



$276

75216

Beckley Club Estates, South Oak Cliff



$322

75233

Southwest Dallas, Oak Cliff



$312

75217

Pleasant Grove



$288



## Dallas car insurance rates by driver profile 

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Dallas data shows for each, and what it actually means for your quote.

### By age

Younger drivers face the steepest rates in Dallas, with 18 to 20 year olds paying more than double the city average on both state minimum and full coverage. Jerry’s Dallas data shows a rate cliff around 25, resulting in a $49/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $112/mo drop for full coverage. If you’re in the 21 to 24 range and your premium feels punishing, the correction at 25 happens automatically at most carriers. Re-shopping the month you turn 25 is one of the highest-leverage rate-lowering moves available to younger Dallas drivers.

##### Average cost of insurance in Dallas by age group, state minimum 

| Age group | Average monthly cost | Price change vs. city average |
|---|---|---|
|  |  |  |
| 18-20 | $310 | 112% |
| 21-24 | $191 | 31% |
| 25-34 | $142 | -2% |
| 35-44 | $126 | -14% |
| 45-54 | $122 | -17% |
| 55-64 | $114 | -22% |
| 65+ | $123 | -16% |



Last Updated July 17, 2026







*Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.*















##### Average cost of insurance in Dallas by age group, full coverage 

| Age group | Average monthly cost | Price change vs. city average |
|---|---|---|
|  |  |  |
| 18-20 | $726 | 105% |
| 21-24 | $469 | 32% |
| 25-34 | $357 | 1% |
| 35-44 | $307 | -13% |
| 45-54 | $289 | -19% |
| 55-64 | $270 | -24% |
| 65+ | $262 | -26% |



Last Updated July 17, 2026







*Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.*















**Key takeaway:** Dallas drivers under 25 pay well above the city average. Rates drop sharply at 25 and continue falling through the 65+ bracket, where Dallas [senior drivers ](/car-insurance/seniors-car-insurance/)see the lowest averages on full coverage.









### By driving record

Having [at-fault accidents](/car-insurance/at-fault-accident/)adds 13%on average for Dallas Jerry drivers buying full coverage, which is less than the surcharge a single speeding ticket adds. At-fault accidents show essentially no impact on state minimum premiums, and the data shows another **quirk worth flagging**: drivers with a DUI appear to pay slightly less for state minimum coverage than drivers with a clean record on state minimum. This actually reflects the carrier mix Jerry quotes for these drivers rather than insurers rewarding at-fault accidents or DUIs.

Drivers with at-fault accidents or DUIs on state minimum often get matched with non-standard carriers like [Anchor General](/reviews/car-insurance/anchor-general/)and Bluefire, which can price competitively at minimum-coverage levels for [high-risk drivers](/car-insurance/affordable-car-insurance-for-high-risk-drivers/). Full coverage averages, where the carrier mix is more stable, show the expected ordering with at-fault accidents and DUIs both resulting in higher premiums.

Texas carriers typically look back three years on tickets and at-fault accidents, with longer lookbacks common for DUIs. If you’re past that three-year mark on an old incident and haven’t shopped around, there’s a good chance you’re still paying surcharged rates on what’s now a clean record. **Jerry monitors your policy and automatically reshops**, so we can alert you when a better rate becomes available and when violations fall off your rating.

##### Average cost of state minimum coverage in Dallas, by driving record 

| Driving record | Average monthly cost | Price change vs. clean record |
|---|---|---|
|  |  |  |
| Clean record | $112 | 0% |
| 1 speeding ticket | $115 | 3% |
| At-fault accident | $111 | -1% |
| DUI / DWI | $117 | 4% |



Last Updated July 17, 2026







*Based on Jerry customers over the past 12 months across a range of driving record profiles.*















##### Average cost of full coverage in Dallas, by driving record 

| Driving record | Average monthly cost | Price change vs. clean record |
|---|---|---|
|  |  |  |
| Clean record | $237 | 0% |
| 1 speeding ticket | $285 | 20% |
| At-fault accident | $267 | 13% |
| DUI / DWI | $255 | 8% |



Last Updated July 17, 2026







*Based on Jerry customers over the past 12 months across a range of driving record profiles.*















**Key Takeaway:**A single speeding ticket adds more to Dallas state minimum premiums on average than an at-fault accident does; not by a huge margin, but enough to notice. Most Texas violations clear from your rating after three years.









### By credit score

Credit score is **one of the largest factors outside of driving in Texas**car insurance pricing, and Jerry’s Dallas data shows excellent credit standing out clearly. Drivers in that tier save meaningfully versus good credit, with an even wider gap on state minimum than on full coverage.

The middle of the table is where things get strange. Fair credit drivers actually pay less on average than good credit drivers on both coverage levels. **That sounds backward**, and it likely reflects carrier-mix effects rather than insurers rewarding lower credit: **different carriers weigh credit differently**, and the mix of who’s quoting fair-credit drivers may be pulling the average down. Quotes within the middle tiers can vary a lot depending on which carrier prices you.

The cleanest signal is still excellent credit versus everyone else. But for drivers in fair or poor territory, **shopping around matters more**than the averages suggest.

##### Average cost of state minimum coverage in Dallas, by credit score 

| Credit score | Average monthly cost | Price change vs. good credit |
|---|---|---|
|  |  |  |
| Excellent (750+) | $102 | 12% |
| Good (660–750) | $90 | 0% |
| Fair (550–659) | $104 | 15% |
| Poor (below 550) | $151 | 67% |



Last Updated July 17, 2026







*Based on Jerry customers with clean driving records over the past 12 months in the age group 35-44*, driving a 2015-2020 Toyota Camry.















##### Average cost of full coverage in Dallas, by credit score 

| Credit score | Average monthly cost | Price change vs. good credit |
|---|---|---|
|  |  |  |
| Excellent (750+) | $204 | 17% |
| Good (660–750) | $175 | 0% |
| Fair (550–659) | $236 | 35% |
| Poor (below 550) | $270 | 55% |



Last Updated July 17, 2026







*Based on Jerry customers with clean driving records quoting a Basic + Full Coverage tier over the past 12 months in the age group 35-44*, driving a 2015-2020 Toyota Camry.















**Key takeaway:**Excellent credit saves Dallas drivers a meaningful chunk versus good or fair credit. Middle tiers show variable results due to carrier-mix effects, so comparing quotes across multiple carriers matters most for drivers with Fair or Poor credit.









[Compare quotes with Jerry](/signup)



## How Jerry finds car insurance savings for Dallas drivers

Premiums have gone up for a lot of drivers in Dallas, but you don’t have to just sit back and accept it. **Jerry compares quotes, uncovers discounts and helps you choose smarter coverage**for your needs and budget. Below are real examples of **Dallas drivers who found cheaper coverage**through Jerry.

#### Recent quotes

| Name | Date | Make | Insurer | Coverage level | Monthly quote | Savings |
|---|---|---|---|---|---|---|
|  |  |  |  |  |  |  |
|  | 07/15/26 | Toyota Corolla Le |  | Standard | $188 | 37% |
|  | 07/15/26 | Ford Maverick Lariat |  | Standard | $157 | 46% |
|  | 07/15/26 | Ford Explorer ST |  | Basic + Full Coverage | $164 | 53% |
|  | 07/14/26 | Nissan Versa S |  | Standard | $110 | 50% |
|  | 07/14/26 | Nissan Rogue S |  | Standard | $112 | 23% |



Last Updated July 16, 2026







*Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.*















[Compare quotes with Jerry](/signup)



---

**Learn more:** [Best car insurance in Texas](/car-insurance/texas/best-tx)

---

### Calculate your car insurance costs

If you’re looking to find the [cheapest car insurance in Texas](/car-insurance/texas/cheap-tx), below are **four top tips**that Jerry’s agents have found.

### Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Checking quotes before your policy renews helps you **avoid overpaying**, no matter which coverage level you choose. Since insurers price driver profiles in Dallas differently, the same coverage can come with very different price tags.

Here’s how those differences show up for real Jerry customers:

#### Recent customer quotes

| Name | ZIP Code | Good quote | Better quote | Best quote |
|---|---|---|---|---|
|  |  |  |  |  |
|  | 75287 | $73 | $59 | $54 |
|  | 75217 | $68 | $64 | $52 |
|  | 75224 | $107 | $105 | $94 |
|  | 75232 | $98 | $88 | $60 |
|  | 75212 | $72 | $68 | $54 |



Last Updated July 16, 2026







*Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.*















**Key takeaway**: Prices can vary widely, even for the same coverage. Comparing quotes with Jerry helps you find the lowest rate available to you.









[Compare quotes with Jerry](/signup)



### Jerry Agent Tip 2: Stack discounts to cut your premium

Drivers in Dallas can lower their premiums by using [discounts](/car-insurance/car-insurance-discounts/)for things like being a homeowner, going paperless or having modern safety features. Combined, these **savings can make premiums more affordable without compromising protection**.

It’s not always easy to know which discounts you qualify for, so Jerry finds and stacks them for you automatically.



**Key takeaway:**Discounts can make a real difference, and Jerry ensures you don’t miss out. The app automatically finds and stacks the savings that apply to you.









[Compare quotes with Jerry](/signup)



### Jerry Agent Tip 3: Balance coverage and cost for smarter protection

Choosing the **right mix of coverage**helps drivers in Dallas stay protected without overspending. State minimums keep premiums low, while options like [full coverage](/car-insurance/full-coverage-car-insurance/), standard and preferred tiers add stronger protections like rental reimbursement, towing and lower deductibles.

When you find the **best balance between cost and protection**, driving feels a lot more secure. Here are the coverage options available to drivers in Dallas:

**Minimum**

$97– $176/mo



***Meets Texas’s 30/60/25 [liability](/car-insurance/liability-car-insurance/)requirements to keep costs down, but* ***doesn’t cover damage to your own vehicle.*****



**Full**

$200– $402/mo



**Adds* [*collision*](/car-insurance/collision-insurance/)*and* [*comprehensive*](/car-insurance/comprehensive-insurance/)*coverage for your car,* ***which is often required*** *if your vehicle is financed or leased.**



**Standard**

$226– $464/mo



****Includes* [*uninsured/underinsured motorist coverage*](/car-insurance/uninsured-motorist-coverage/)*and* [*medical payments*](/car-insurance/what-is-medical-payments-coverage/)[*(or PIP)*](/car-insurance/personal-injury-protection-insurance/)*, especially valuable in Texas where many severe crashes involve uninsured drivers.****



**Preferred**

$215– $426/mo



**Offers higher liability limits, lower deductibles and extras like towing and rental reimbursement for broader protection.**









*Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.*















**Key takeaway:**Coverage levels aren’t one-size-fits-all. Jerry shows you the real cost of each tier so you can find the protection level that feels right for your car and your budget.









[Compare quotes with Jerry](/signup)



- **Coverage Definitions**
    
    
    
    
    
    **[Bodily injury liability (BI)](/car-insurance/bodily-injury-liability/)**
    
    
    - **Who it pays:**The other person, for injuries when you’re at fault in a crash.
    - **What it covers**: Medical bills, lost wages and legal costs for people injured in an accident you cause.
    - **How it pays**: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.\*
    - **Do you need it?**Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.
    
    **[Property damage liability (PD)](/car-insurance/property-damage-liability-car-insurance/)**
    
    
    - **Who it pays:**The other person, for property you damage in a crash.
    - **What it covers**: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.
    - **How it pays**: Up to your policy’s limit. For example, $50K.\*
    - **Do you need it?**Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.
    
    *\*Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.*
    
    [**Collision**](/car-insurance/collision-insurance/)
    
    
    - **Who it pays:**You, for damage to your own car.
    - **What it covers**: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.
    - **How it pays**: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
    - **Do you need it?**Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
    
    **[Comprehensive](/car-insurance/comprehensive-insurance/)**
    
    
    - **Who it pays:**You, for damage to your own car.
    - **What it covers**: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.
    - **How it pays**: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.
    - **Do you need it?**Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.
    
    **[Uninsured/underinsured motorist (UM/UIM)](/car-insurance/uninsured-motorist-coverage/)**
    
    
    - **Who it pays:**You and your passengers, for injuries and property damage.
    - **What it covers**: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.
    - **How it pays**: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.
    - **Do you need it?**Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.
    
    **[Personal injury protection (PIP)](/car-insurance/personal-injury-protection-insurance/)**
    
    
    - **Who it pays:**You and your passengers, for medical bills and lost income, no matter who caused the accident.
    - **What it covers**: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.
    - **How it pays**: Up to your policy limit. There’s usually no deductible, though this varies by state.
    - **Do you need it?**Required in no-fault states. If available in your state, it’s worth considering.
    
    **[Medical payments (MedPay)](/car-insurance/what-is-medical-payments-coverage/)**
    
    
    - **Who it pays:**You and your passengers, for medical bills.
    - **What it covers**: Medical expenses after an accident, regardless of fault.
    - **How it pays**: No deductible. Pays up to your policy’s limit.
    - **Do you need it?**Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.


![cta1](/wp-content/uploads/2025/10/cta1.png)**Get personalized car insurance rates now**.

[Compare quotes](/signup)











### Jerry Agent Tip 4: Pick the right deductible

**Raising your deductible**typically lowers your [car insurance](/car-insurance)premium. Just be sure you can comfortably cover that cost if you need to [file a claim](/car-insurance/car-insurance-claim/).

Here’s a look at the [deductibles](/car-insurance/car-insurance-deductible/)Jerry drivers chose in the past year:



To find the ideal deductible:

- Check your car’s value (Jerry tracks this for you monthly).
- Choose what you can afford out-of-pocket.
- See how deductibles change your rate in real time.

**The Jerry difference:** Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.









## Texas car insurance minimums: What’s required in Dallas 

Texas requires **30/60/25 liability minimums**, often referred to as basic limits coverage. Here are the minimum requirements in [Texas](/car-insurance/texas/):

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

Driving without insurance in Texas can result in fines, license suspension, vehicle registration suspension and [SR-22](/car-insurance/sr-22-insurance/)filing requirements. Penalties scale with the specific violation and prior record.

Texas’s 30/60 bodily injury minimum is **well below the average serious-crash cost**. The average crash with injuries costs over $160,000, [according to the National Safety Council](https://www.nsc.org/?srsltid=AfmBOor3MZuvoIDRk3Iu2IfzWzkKOvkmlREhSeVl6t6R1wy6pd3ds_tf), more than five times Texas’s mandatory bodily injury minimum. Jerry can **help you find [affordable car insurance](/car-insurance/cheap-full-coverage-car-insurance/)**starting at just $209/mo.

[Compare quotes with Jerry](/signup)



## Methodology

To find the [cheapest car insurance](/car-insurance/cheap-car-insurance/)in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

[Read more about Jerry’s data gathering and verification processes](/car-insurance-data-methodology/)

## FAQ 

- How much is car insurance in Dallas, TX? 
    
    The average cost of car insurance in Dallas is $375per month for full coverage and $155per month for state minimum coverage among Jerry drivers. Your personalized rate depends on your ZIP code, driving record, vehicle and coverage level, though, which is why it’s **so important to shop around and compare multiple carriers through Jerry**.
- What is the cheapest car insurance in Dallas, Texas? 
    
    No single carrier is cheapest for every driver — the right answer depends on your driving record, age, vehicle, ZIP code, and coverage level. That said, Dallas drivers consistently find meaningful rate differences between carriers for the same profile. The cheapest average quote comes from GEICO, though carriers like [State Farm](/reviews/car-insurance/state-farm/), [GEICO](/reviews/car-insurance/geico/), [Root](/reviews/car-insurance/root/)and [Bristol West](/reviews/car-insurance/bristol-west/)are also frequently competitive. The only way to know your lowest rate is to compare across the full market simultaneously, which is why it’s **so important to shop around and compare multiple carriers through Jerry**.
- How does hail damage affect Dallas car insurance rates? 
    
    Hail is one of the largest single drivers of comprehensive claims in Dallas. Texas leads the nation in hail events, and a single May 2024 North Texas storm[**caused over $2.3 billion in property damage**](https://capitol.texas.gov/tlodocs/88R/handouts/C4502024091709001/5ebf3ef6-f2b1-4780-ba85-a94e758703a3.PDF). Carriers price that exposure into Dallas comprehensive premiums broadly, which means the comprehensive portion of your full coverage policy typically runs higher here than in metros without significant hail exposure. Since comprehensive is what pays for hail damage, dropping it to save on premium is a meaningful trade-off in this market.
- Does my Dallas ZIP code affect my car insurance rate? 
    
    Yes. Texas allows insurers to use territory in their rating, and Dallas carriers price ZIPs based on local claim frequency, theft rates and traffic density. In Jerry’s Dallas data, the gap between the cheapest and most expensive ZIPs is real but not dramatic — your address nudges your premium rather than defining it. Northern and northwestern Dallas ZIPs and the Park Cities tend to run cheaper, while southern Dallas ZIPs including Oak Cliff and Pleasant Grove tend to run more expensive.
- Does my credit score affect my car insurance rate in Texas? 
    
    Yes, Texas allows insurers to use credit scores as a rating factor, and the impact is substantial. In Jerry’s Dallas data, drivers with Excellent credit save meaningfully on both full coverage and state minimum compared to drivers with Good credit, with the largest savings on state minimum. Middle credit tiers show more variable results, but the gap between Excellent and everyone else is consistent. Improving your credit score over time can meaningfully lower your Dallas auto insurance rate, and at renewal you can ask your insurer to re-pull your credit if your score has improved since your last quote.
- How can I lower my car insurance rate in Dallas? 
    
    The fastest way to lower your Dallas car insurance rate is to **compare quotes across multiple carriers**; Texas’s rate environment means competitiveness shifts quickly. Beyond shopping around, consider usage-based programs if you’re a safe or low-mileage driver, stack multi-vehicle and paid-in-full discounts, and work on your credit over time. Uninsured motorist coverage is worth adding given how many Texas drivers go without, and a clean record clears most violation surcharges after three years.





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Why you can count on Jerry’s articles







Our goal is clear, trustworthy information.

Our content is created, edited and fact checked by a team of licensed insurance agents, automotive pros and experienced journalists who know the industry inside and out. Facts are thoroughly researched, verified and kept current, and our editorial team is separate from our business partners, so our opinions & tips are unbiased. All insights drawn from Jerry’s proprietary, aggregated customer auto insurance quotes data provide unique, real-world guidance. 













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