Find Car Insurance in Dallas, Texas

What You Should Know About Car Insurance in Dallas, TX

Dallas sits in the northeast of the Lone Star State, combining a thriving economy with a rich blend of history and modern attractions. As the third-largest city in Texas, it boasts a diverse population, cutting-edge industries, and a dynamic cultural scene, from the historic charm of the West End to the luxury shopping of Highland Park.

With its scorching summers, mild winters, and frequent storm activity, Dallas’s climate adds unique challenges to driving, including hail, tornadoes and flash floods. The city’s extensive network of highways, like I-35, I-30, and the Dallas North Tollway, keeps traffic flowing but also makes safe driving a priority.

That’s why having the right car insurance isn’t just a good idea. It’s a necessity. Quality coverage helps you navigate Dallas’s busy streets and unpredictable weather while protecting your vehicle and your peace of mind. Expert agents are waiting to help you find the best auto insurance at the best price in Texas.

How Much Does Car Insurance Cost in Dallas, TX?

In Texas, the cost of a policy can vary depending on your location, driving history, and coverage needs. On average, drivers in Dallas pay about $1,800 annually for full coverage, which breaks down to roughly $150 per month. For the state-required minimum liability coverage, the average cost is around $550 per year or about $45 per month.

When comparing these rates to national averages, full coverage in Texas tends to be slightly higher. The national average for full coverage is approximately $1,700 annually, while the state’s $1,800 average reflects Dallas’s urban environment and higher traffic density. For minimum coverage, the national average is about $600 annually, making Texas’s $550 average slightly lower.

What Does It Mean If Texas Is a No-Fault/At-Fault State?

Texas is an at-fault state for car insurance, which means that if you’re involved in an accident and found to be at fault, you’re responsible for covering the damages. This includes paying for the other driver’s medical bills, property damage, and other expenses, either through your insurer or out of pocket. Your policy will typically cover these costs up to your policy limits.

In a no-fault state, things work differently. Each driver’s own policy covers their medical expenses and certain other costs, no matter who caused the accident. This system aims to reduce lawsuits by having insurers handle minor claims, while property damage is still based on fault.

Since Texas follows the at-fault system, having good liability coverage is essential. If you’re ever found at fault, the right coverage can protect your finances from a significant hit and help cover the costs of the damages.

Affordable Car Insurance Rates Comparison by Cities in Texas

For a comparison of the average monthly premiums paid in state cities, check out our breakdown below.

City	Full Coverage	Minimum Coverage
Dallas	$150	$45
Houston	$160	$50
San Antonio	$140	$42
Austin	$145	$44
Fort Worth	$135	$40
El Paso	$130	$38

What Types of Car Insurance Discounts Are Available in Dallas?

Here are some common discounts available:

• Bundling Discounts: Combine your car insurance with other policies, like home or renters insurance, to save money and simplify policy management.
• Safe Driver Discounts: Maintain a clean driving record to qualify for lower rates.
• Multi-Vehicle Discounts: Insure more than one car under the same policy for extra savings.
• Good Student Discounts: Students with good grades can get discounts for being responsible.
• Low Mileage Discounts: Drive fewer miles than the average and pay less.
• Vehicle Safety Discounts: Cars with safety features, like anti-lock brakes or anti-theft devices, can earn you discounts.
• Defensive Driving Discounts: Completing a defensive driving course can help lower your rates.

Notable Car Insurance Laws in Dallas

As with the rest of Texas, Dallas has minimum requirements for liability coverage. In addition, did you know that in Dallas when you are turning onto a paved road from an unpaved one you need to defer to the traffic on the paved road?

Also, those driving with a learners permit cannot use a cellphone in any capacity for the first six months. Generally speaking, that’s a good rule to follow even after you have graduated from your learners permit to a full drivers license.

What Are the Mandatory Car Insurance Requirements in Dallas?

In Dallas, as part of Texas law, you’ll need the following:

Bodily Injury Liability:

• $30,000 per person injured in an accident
• $60,000 total per accident for all injured parties

Property Damage Liability:

• $25,000 per accident for damage to someone else’s property (such as their car or other property)

Keep in mind these minimums will not help you pay for any damages or injuries to your car, yourself or your passengers if you cause an accident. Not going to happen to you? Hydroplaning is one example of causing an accident even when you are the safest of drivers.

What Is the Penalty for Driving Without Insurance in Dallas?

Driving without coverage in Dallas leads to serious penalties. You can face fines from $175 to $1,000, plus extra fees. Authorities may suspend your license and registration until you show proof of protection, and your vehicle could be impounded, adding towing costs. Repeat offenses might also require you to file an SR-22 form, which proves you have insurance but often raises your premiums. To avoid these consequences, it’s essential to carry at least the minimum required coverage.

Our advice? Just don’t do it.

Do Dallas-Specific Laws Play a Role in Determining Your Insurance Premiums?

Yes, Dallas-specific factors can affect your insurance premiums. The city’s heavy traffic, high accident rates, and crime levels can lead to higher costs. Severe weather, like hailstorms, also increases risks for drivers, which insurers consider when setting rates. Plus, the higher number of uninsured drivers in Dallas can raise premiums to cover potential risks. These local factors help determine what you pay for car insurance.

Here’s What You Need to Know When Driving in Texas

When you’re driving in Texas, there are some things you need to keep in mind. Texas is an at-fault state, so if you cause an accident, you’re on the hook for the damages. The weather can be unpredictable — with sudden heavy rain or hail — making the roads tricky. Dallas’s traffic can also be a headache, especially during rush hour, so stay alert. And don’t forget to keep proof of insurance with you — it’s the law, and you’ll need it if you’re pulled over.

At InsureOne, we’ve got your back. Our expert agents can help you find the right auto insurance, customized to fit your needs.

How Many Car Accidents Happen in Dallas Per Year?

Each year, Dallas experiences around 36,000 car accidents, making it one of the top cities in Texas for traffic incidents. Here are some other cities in Texas and their accidents per year:

City	Number of Accidents
Houston	68,000
San Antonio	25,000
Austin	30,000
Fort Worth	22,000
El Paso	18,000

 

How Many Uninsured/Underinsured Motorists Are in Dallas

Around 20% of drivers in Dallas are uninsured or underinsured. That means one in five drivers may not have enough coverage if there’s an accident. To protect yourself, it’s smart to add uninsured/underinsured motorist coverage to your policy.