Cheap Car Insurance in Dallas (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 14, 2025
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Cheap Car Insurance in Dallas (October 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 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
$26 $306 Geico 34 09/25/25 Dallas, TX 75219
$30 $355 Progressive 70 09/08/25 Dallas, TX 75201
$34 $413 Progressive 37 06/13/25 Dallas, TX 75212
$36 $426 Geico 29 09/12/25 Dallas, TX 75234
$37 $445 Progressive 74 07/02/25 Dallas, TX 75220
$38 $457 Progressive 51 09/24/25 Dallas, TX 75228
$42 $501 Progressive 37 06/16/25 Dallas, TX 75214
$43 $515 Progressive 31 08/26/25 Dallas, TX 75214
$44 $528 Geico 44 08/15/25 Dallas, TX 75287
$44 $529 Progressive 42 06/20/25 Dallas, TX 75201
Last Updated October 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
$38 $450 Mercury 32 09/25/25 Dallas, TX 75233
$42 $508 Geico 70 09/08/25 Dallas, TX 75201
$67 $804 ROOT 29 05/17/25 Dallas, TX 75287
$69 $833 Progressive 28 05/13/25 Dallas, TX 75206
$70 $843 Progressive 36 06/14/25 Dallas, TX 75206
$79 $951 Progressive 38 06/14/25 Dallas, TX 75231
$80 $955 Progressive 37 06/13/25 Dallas, TX 75223
$80 $960 ROOT 40 05/19/25 Dallas, TX 75228
$80 $965 Progressive 38 06/14/25 Dallas, TX 75248
$84 $1,013 Progressive 56 09/30/25 Dallas, TX 75208
Last Updated October 2025

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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
$36 $426 Geico 29 No 09/12/25 Dallas, TX 75234
$54 $647 Progressive 29 No 09/30/25 Dallas, TX 75203
$73 $879 Progressive 29 No 08/04/25 Dallas, TX 75287
$76 $912 ROOT 26 No 10/11/25 Dallas, TX 75252
$76 $915 Liberty Mutual 27 No 06/26/25 Dallas, TX 75234
$79 $951 Progressive 38 06/14/25 Dallas, TX 75231
$80 $955 Progressive 37 06/13/25 Dallas, TX 75223
$80 $960 ROOT 40 05/19/25 Dallas, TX 75228
$80 $965 Progressive 38 06/14/25 Dallas, TX 75248
$84 $1,013 Progressive 56 09/30/25 Dallas, TX 75208
Last Updated October 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
$38 $457 Progressive 51 No 09/24/25 Dallas, TX 75228
$42 $501 Progressive 37 No 06/16/25 Dallas, TX 75214
$44 $528 Geico 44 No 08/15/25 Dallas, TX 75287
$48 $577 Progressive 43 No 06/22/25 Dallas, TX 75206
$49 $589 Assurance America 48 No 09/16/25 Dallas, TX 75219
$79 $951 Progressive 38 06/14/25 Dallas, TX 75231
$80 $955 Progressive 37 06/13/25 Dallas, TX 75223
$80 $960 ROOT 40 05/19/25 Dallas, TX 75228
$80 $965 Progressive 38 06/14/25 Dallas, TX 75248
$84 $1,013 Progressive 56 09/30/25 Dallas, TX 75208
Last Updated October 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
$30 $355 Progressive 70 No 09/08/25 Dallas, TX 75201
$67 $801 Progressive 65 No 08/14/25 Dallas, TX 75232
$70 $845 The General 67 No 09/29/25 Dallas, TX 75211
$71 $851 The General 63 No 08/24/25 Dallas, TX 75236
$72 $859 The General 57 No 06/07/25 Dallas, TX 75210
$79 $951 Progressive 38 06/14/25 Dallas, TX 75231
$80 $955 Progressive 37 06/13/25 Dallas, TX 75223
$80 $960 ROOT 40 05/19/25 Dallas, TX 75228
$80 $965 Progressive 38 06/14/25 Dallas, TX 75248
$84 $1,013 Progressive 56 09/30/25 Dallas, TX 75208
Last Updated October 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
$30 $355 Progressive 70 09/08/25 No Dallas, TX 75201
$36 $426 Geico 29 09/12/25 No Dallas, TX 75234
$38 $457 Progressive 51 09/24/25 No Dallas, TX 75228
$42 $501 Progressive 37 06/16/25 No Dallas, TX 75214
$44 $528 Geico 44 08/15/25 No Dallas, TX 75287
$48 $577 Progressive 43 06/22/25 No Dallas, TX 75206
$49 $589 Assurance America 48 09/16/25 No Dallas, TX 75219
$53 $639 Progressive 41 06/19/25 No Dallas, TX 75220
$54 $647 Progressive 29 09/30/25 No Dallas, TX 75203
$55 $659 Progressive 41 06/19/25 No Dallas, TX 75249
Last Updated October 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 $59 $709 Progressive 64 04/02/25 Dallas, TX 75219
<550 $61 $731 Progressive 31 08/02/25 Dallas, TX 75217
<550 $64 $767 Progressive 30 07/07/25 Dallas, TX 75231
<550 $66 $789 Bristol West 53 07/25/25 Dallas, TX 75206
<550 $71 $853 The General 49 01/06/25 Dallas, TX 75238
$48 $577 Progressive 43 Dallas, TX 75206
$49 $589 Assurance America 48 Dallas, TX 75219
$53 $639 Progressive 41 Dallas, TX 75220
$54 $647 Progressive 29 Dallas, TX 75203
$55 $659 Progressive 41 Dallas, TX 75249
Last Updated October 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 06/17/25 Dallas, TX 75214
At Fault With No Injury $50 $605 Progressive 32 No 05/14/25 Dallas, TX 75219
At Fault With No Injury $55 $665 Progressive 48 No 09/19/25 Dallas, TX 75254
At Fault With No Injury $63 $753 Progressive 45 Yes 09/01/24 Dallas, TX 75254
At Fault With No Injury $64 $769 Progressive 54 No 07/21/25 Dallas, TX 75201
$48 $577 Progressive 43 No Dallas, TX 75206
$49 $589 Assurance America 48 No Dallas, TX 75219
$53 $639 Progressive 41 No Dallas, TX 75220
$54 $647 Progressive 29 No Dallas, TX 75203
$55 $659 Progressive 41 No Dallas, TX 75249
Last Updated October 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 Quote
City, State
ZIP Code
Speeding over 15 $52 $618 ROOT 28 06/03/25 Dallas, TX 75205
Speeding over 15 $59 $704 Geico 29 08/26/25 Dallas, TX 75231
Speeding over 15 $81 $976 ROOT 27 09/21/25 Dallas, TX 75287
Speeding over 15 $99 $1,191 Progressive 69 09/14/25 Dallas, TX 75253
Speeding under 15 $101 $1,210 ROOT 39 06/16/25 Dallas, TX 75219
$48 $577 Progressive 43 06/22/25 Dallas, TX 75206
$49 $589 Assurance America 48 09/16/25 Dallas, TX 75219
$53 $639 Progressive 41 06/19/25 Dallas, TX 75220
$54 $647 Progressive 29 09/30/25 Dallas, TX 75203
$55 $659 Progressive 41 06/19/25 Dallas, TX 75249
Last Updated October 2025

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.

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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 $89 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.
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