Cheap Car Insurance in Dallas (October 2025)

Written by Xuyun Zeng and 1 other
Updated Oct 9, 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
$25 $304 Geico 27 08/11/25 Dallas, TX 75204
$27 $326 Geico 31 09/10/25 Dallas, TX 75220
$28 $332 Geico 33 10/07/25 Dallas, TX 75226
$35 $422 Geico 53 07/26/25 Dallas, TX 75215
$39 $464 Geico 43 07/14/25 Dallas, TX 75201
$43 $519 Bristol West 70 09/08/25 Dallas, TX 75201
$47 $567 Progressive 41 10/01/25 Dallas, TX 75206
$47 $569 Progressive 40 06/18/25 Dallas, TX 75211
$48 $576 Geico 46 04/29/25 Dallas, TX 75219
$48 $576 Geico 34 08/06/25 Dallas, TX 75216
Last Updated Oct. 10, 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
$64 $769 Progressive 31 07/30/25 Dallas, TX 75204
$67 $801 Progressive 41 06/19/25 Dallas, TX 75219
$67 $807 Progressive 45 06/28/25 Dallas, TX 75206
$67 $808 ROOT 33 05/17/25 Dallas, TX 75248
$70 $835 Progressive 41 06/19/25 Dallas, TX 75209
$70 $843 Progressive 55 10/03/25 Dallas, TX 75249
$75 $895 Progressive 60 08/16/25 Dallas, TX 75237
$80 $959 Progressive 45 06/25/25 Dallas, TX 75287
$82 $981 Progressive 45 06/24/25 Dallas, TX 75215
$83 $998 Bluefire 64 09/21/25 Dallas, TX 75230
Last Updated Oct. 10, 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
$53 $641 Progressive 24 No 06/08/25 Dallas, TX 75204
$77 $927 Progressive 22 No 07/25/25 Dallas, TX 75237
$78 $935 Progressive 29 No 09/20/25 Dallas, TX 75228
$82 $980 ROOT 25 No 09/27/25 Dallas, TX 75214
$86 $1,037 Progressive 28 No 09/08/25 Dallas, TX 75204
$70 $843 Progressive 55 10/03/25 Dallas, TX 75249
$75 $895 Progressive 60 08/16/25 Dallas, TX 75237
$80 $959 Progressive 45 06/25/25 Dallas, TX 75287
$82 $981 Progressive 45 06/24/25 Dallas, TX 75215
$83 $998 Bluefire 64 09/21/25 Dallas, TX 75230
Last Updated Oct. 10, 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
$28 $332 Geico 33 No 10/07/25 Dallas, TX 75226
$35 $422 Geico 32 No 06/18/25 Dallas, TX 75246
$47 $569 Progressive 40 No 06/18/25 Dallas, TX 75211
$48 $576 Geico 46 No 04/29/25 Dallas, TX 75219
$48 $576 Geico 34 No 08/06/25 Dallas, TX 75216
$70 $843 Progressive 55 10/03/25 Dallas, TX 75249
$75 $895 Progressive 60 08/16/25 Dallas, TX 75237
$80 $959 Progressive 45 06/25/25 Dallas, TX 75287
$82 $981 Progressive 45 06/24/25 Dallas, TX 75215
$83 $998 Bluefire 64 09/21/25 Dallas, TX 75230
Last Updated Oct. 10, 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
$43 $519 Bristol West 70 No 09/08/25 Dallas, TX 75201
$54 $645 Progressive 73 No 09/23/25 Dallas, TX 75206
$58 $699 Bristol West 61 No 08/04/25 Dallas, TX 75227
$61 $730 Geico 65 No 08/14/25 Dallas, TX 75232
$62 $738 Geico 66 No 07/02/25 Dallas, TX 75227
$70 $843 Progressive 55 10/03/25 Dallas, TX 75249
$75 $895 Progressive 60 08/16/25 Dallas, TX 75237
$80 $959 Progressive 45 06/25/25 Dallas, TX 75287
$82 $981 Progressive 45 06/24/25 Dallas, TX 75215
$83 $998 Bluefire 64 09/21/25 Dallas, TX 75230
Last Updated Oct. 10, 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
$28 $332 Geico 33 10/07/25 No Dallas, TX 75226
$35 $422 Geico 32 06/18/25 No Dallas, TX 75246
$43 $519 Bristol West 70 09/08/25 No Dallas, TX 75201
$47 $569 Progressive 40 06/18/25 No Dallas, TX 75211
$48 $576 Geico 34 08/06/25 No Dallas, TX 75216
$48 $576 Geico 46 04/29/25 No Dallas, TX 75219
$51 $613 Progressive 44 06/25/25 No Dallas, TX 75287
$51 $615 Progressive 40 06/20/25 No Dallas, TX 75217
$52 $619 Progressive 52 09/26/25 No Dallas, TX 75232
$52 $629 Progressive 45 06/28/25 No Dallas, TX 75219
Last Updated Oct. 10, 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 $48 $579 Progressive 31 08/02/25 Dallas, TX 75217
<550 $64 $767 Progressive 30 07/07/25 Dallas, TX 75231
<550 $75 $899 Progressive 28 07/16/25 Dallas, TX 75217
<550 $75 $905 Progressive 43 10/05/25 Dallas, TX 75234
<550 $79 $942 Progressive 64 04/02/25 Dallas, TX 75219
$48 $576 Geico 46 Dallas, TX 75219
$51 $613 Progressive 44 Dallas, TX 75287
$51 $615 Progressive 40 Dallas, TX 75217
$52 $619 Progressive 52 Dallas, TX 75232
$52 $629 Progressive 45 Dallas, TX 75219
Last Updated Oct. 10, 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 $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
At Fault With No Injury $67 $799 Progressive 41 No 02/07/25 Dallas, TX 75206
At Fault With No Injury $70 $835 Progressive 34 Yes 05/03/24 Dallas, TX 75240
$48 $576 Geico 46 No Dallas, TX 75219
$51 $613 Progressive 44 No Dallas, TX 75287
$51 $615 Progressive 40 No Dallas, TX 75217
$52 $619 Progressive 52 No Dallas, TX 75232
$52 $629 Progressive 45 No Dallas, TX 75219
Last Updated Oct. 10, 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 under 15 $39 $468 Geico 33 09/07/25 Dallas, TX 75243
Speeding under 15 $56 $671 Assurance America 39 06/16/25 Dallas, TX 75219
Speeding under 15 $59 $707 Progressive 25 09/08/25 Dallas, TX 75234
Speeding under 15 $86 $1,029 Bristol West 37 06/13/25 Dallas, TX 75252
Speeding over 15 $90 $1,083 Bristol West 40 10/03/25 Dallas, TX 75203
$48 $576 Geico 46 04/29/25 Dallas, TX 75219
$51 $613 Progressive 44 06/25/25 Dallas, TX 75287
$51 $615 Progressive 40 06/20/25 Dallas, TX 75217
$52 $619 Progressive 52 09/26/25 Dallas, TX 75232
$52 $629 Progressive 45 06/28/25 Dallas, TX 75219
Last Updated Oct. 8, 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.

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 $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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