Best Car Insurance In Texas - The cheapest car insurance in Dallas, Texas is State Farm, which offers minimum coverage for an average of $57 per month.
Dallas is the third most populous city in Texas, so drivers pay more for car insurance. The average rate for minimum coverage in Texas is $926 a year, but drivers in Dallas pay $215 more — an average of $1,141.
Best Car Insurance In Texas
Rates vary significantly depending on factors such as your credit score and driving history. Be sure to get quotes from at least three insurance companies.
Compare 2022 Car Insurance Rates Side By Side
The cheapest quote overall comes from State Farm, which charges Dallas drivers an average of $680 a year. That's $461 cheaper than the city average of $1,141. Fred Loya was a close second, asking for just $47 more per year, or $4 more per month. Nationwide also offers relatively affordable minimum coverage at $1,045 per year or $87 per month.
From a cost perspective, a minimum coverage policy may seem attractive, but remember that lower rates come with lower coverage. If you are involved in an accident, you will be fully responsible for your car repairs and medical bills.
According to our quote analysis, Fred Loyal has the cheapest full coverage rates in Dallas. The average cost of comprehensive coverage in Dallas is $3,111, but Fred Loya charges policyholders about 60% less — just $1,247 a year or $104 a month.
If you're a Dallas driver and looking for affordable comprehensive coverage, be sure to get quotes from State Farm and Geico as well. Both cost more than Fred Loya, but have a better reputation for customer service.
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Military members and their families should call USAA for a quote. At $1,464 per year, USAA had the cheapest comprehensive coverage of the nine companies in our study.
Minimum coverage only covers damage or injury to the other driver, while full coverage also ensures that your car is protected. It includes collision and comprehensive coverage.
Insurance companies increase premiums for drivers they consider high risk. Factors that can increase your risk rating include an accident, DUI or speeding ticket on your driving record, as well as a low credit score.
Fred Loya, State Farm and Geico offer the cheapest auto insurance for Dallas drivers who have been involved in an at-fault accident.
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While Fred Loya generally offered the cheapest rates, State Farm raised the lowest prices. Rates for a driver without a fault were only $270 more per year than a driver with a clean record. Across all insurance companies in our survey, the average rate increased by a whopping $1,791 after an at-fault accident – a 58% increase.
Speeding tickets increase average insurance costs in Dallas by $228 — not nearly as much as an at-fault accident ($1,791) or a DUI ($2,201).
Combined, these insurers pay 43% less than the average cost of insurance for drivers ticketed for speeding, which is $3,339.
The most expensive insurer in our study, MetLife, was $4,486 more expensive than the least expensive insurer in our study, Fred Loya. Such differences highlight the importance of comparing quotes before purchasing a car insurance policy.
Steps To Getting Cheap Car Insurance
Driving under the influence (DUI) is a serious offense – so serious, in fact, that insurance companies in our study raised rates by 71% on average.
Fred Loyal had the cheapest rates for these drivers, charging just $2,134 a year. That's more than $3,000 cheaper than the city average for DUI drivers, which is $5,312.
While your credit score doesn't affect your ability to drive safely, it does affect your car insurance rates.
The analysis found that Dallas drivers with low credit scores cost an average of $3,859 per year for car insurance -- $1,275 more than the annual premiums of drivers with average credit scores and $1,863 more than the annual premiums of drivers with very good credit scores.
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Married drivers are statistically involved in fewer accidents than single drivers, so many insurance companies charge them lower premiums. Rates for married drivers in Dallas are 10% cheaper than rates for single drivers.
If you're married and live in Dallas, contact Fred Loya, State Farm and Nationwide for quotes, as we've found these companies to have the most affordable premiums.
The total coverage of the 18-year-old drivers in our sample was on average 163% greater than the total coverage of our 30-year-old drivers. To cover costs, young drivers should follow their parents' policies whenever possible.
If keeping your parents' policy isn't an option, be sure to ask your insurer about general auto insurance discounts, such as student away from home or better student discounts.
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Another option is to purchase minimum protection. However, this method is not usually recommended. Younger drivers are generally more likely to get into an accident and are more likely to benefit from the extra protection that comes with full coverage.
Your car insurance premium depends on your location – sometimes your zip code. Crime rates and population density can increase risk and cause insurance companies to raise rates.
Dallas' most expensive zip code, 75398, had an average annual premium $294 higher than 75098, the least expensive zip code.
Of the 11 most populous cities in Texas, Dallas has the highest auto crime rate. Our review of 2019 FBI crime data found that about eight cars were stolen for every 1,000 residents.
Cheap Car Insurance In Texas 2022
We collected data from the nine largest insurance carriers in Texas. Our sample driver was a 30-year-old man who drove a 2015 Honda Civic EX and had average credit.
The analysis used insurance rate data from Quadrant Information Services. Prices were obtained from publicly available insurance company records and should be used for comparative purposes only; Your own quote may vary.
For an insurance quote, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! To help you find the best cheap auto insurance, our editorial staff analyzed thousands of auto insurance quotes from the best insurance companies in Texas. We ranked the cheapest companies for different drivers based on factors such as price, customer support and coverage.
Liability quotes Texas state minimum of $30,000 personal injury liability per accident and $60,000 per accident plus $25,000 property damage coverage complete. Full coverage quotes include higher liability limits and comprehensive and collision coverage.
How To Get The Best Auto Insurance In Texas
For minimum liability, State Farm offers the cheapest rate in Texas at $450 per year. That's 32% cheaper than the average cost of minimum coverage in Texas, which is $666 per year. Other low-cost companies include USAA and Geico, although USAA is only available to current and former military members and their families.
The average monthly cost of auto insurance in Texas is $56 per month for a minimum liability policy.
If you are looking for the cheapest auto insurance, you can purchase a policy that meets the minimum requirements for liability insurance in the state of Texas.
Minimum coverage auto insurance quotes meet Texas legal requirements of $30,000 per person for bodily injury and $60,000 per accident and $25,000 for property damage.
Looking For Auto Insurance Quotes In Texas? Look No Further
The $60,000 per accident bodily injury liability limit on Texas policies may not cover the cost of injuries sustained in a major accident. And minimum liability policies do not cover damage to your car that is covered by comprehensive and collision coverage included in a comprehensive policy.
USAA, Geico and State Farm are the cheapest insurance companies in Texas. All three full coverage policies offer less than $1,400 per year, which is much cheaper than the average.
State Farm and Geico have the cheapest rates for Texas drivers with speeding tickets, both at least $400 below average.
Your driving record can also affect your car insurance rates, although usually not as much as an at-fault accident. Average Texas auto insurance rates increase 93% for drivers with a speeding ticket on their record.
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State Farm, Geico and USAA are the least likely to raise your auto insurance rate after an accident. One of the most important factors affecting car insurance rates is your driving history. If you are at fault in an accident in Texas, insurance companies will increase your comprehensive coverage rates by an average of 149%.
State Farm, Geico and USAA are the most affordable companies for DUI or SR-22 drivers, offering rates 36%, 16% and 32% cheaper than the state average, respectively. Texans who receive a DUI charge may find their rates nearly double.
State Farm is the cheapest company for drivers with poor credit, with an average rate of $2,034 per year for full coverage. Insurance companies set rates based on a driver's perceived risk, and many insurance companies believe that drivers with low credit scores are more likely to file a claim.
Teenage drivers are more prone to accidents than experienced drivers, which is why insurance companies charge them higher premiums. Average minimum coverage rates for an 18-year-old Texan driver are 221% higher
Cheapest Car Insurance In Texas (dec. 2022)
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