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Last updated: August 30, 2025Best Cheap Car Insurance in Dallas
Texas Farm Bureau offers the cheapest average rates for full coverage in Dallas at $1,683 annually and USAA for minimum coverage at $636 per year. State Farm, GEICO, USAA, and Nationwide are also among our top picks.
Cheapest
Editor's Rating: 4.4/5
Average Cost in Dallas
- Full Coverage Monthly: $140
- Minimum Coverage Monthly: $59
Best for Bundling
Editor's Rating: 4.9/5
Average Cost in Dallas
- Full Coverage Monthly: $142
- Minimum Coverage Monthly: $55
Best for Discounts
Editor's Rating: 4.2/5
Average Cost in Dallas
- Full Coverage Monthly: $158
- Minimum Coverage Monthly: $58
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Key Takeaways
- On average, drivers in Dallas pay $2,483 annually for full coverage and $817 for minimum coverage. Auto insurance in Dallas is slightly more expensive than the Texas average for full coverage, and slightly less expensive for minimum coverage.
- Texas Farm Bureau, USAA, State Farm, and GEICO offer the cheapest average rates in Dallas. All offer rates that fall below the state and national average, making them strong choices for cheap auto insurance in Texas.
- Average rates give you a sense of how different companies compare. However, the only way to find out exactly how much you’ll pay is to get a quote.
Our Top Picks for the Best Cheap Auto Insurance in Dallas
- Cheapest: Texas Farm Bureau
- Best for Bundling: State Farm
- Best for Discounts: GEICO
- Best for Military/Veterans: USAA
- Best for Customer Satisfaction: Nationwide
Compare the Best Cheap Auto Insurance in Dallas
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Texas Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| Texas Farm Bureau | $1,683 | $707 | Below average |
| State Farm | $1,709 | $662 | Above average |
| GEICO | $1,896 | $695 | Above average |
| USAA | $1,900 | $636 | Above average |
| Nationwide | $1,904 | $914 | Above average |
| Dallas | $2,483 | $817 | – |
Detailed List of the Best Cheap Providers in Dallas
1. Cheapest - Texas Farm Bureau
What We Like Most:
- Cheapest average rates for full coverage
- Exclusive to Texas residents
- Personalized service through local agents
Why we chose it
Since we’re focusing on Dallas, it makes sense to highlight Texas Farm Bureau. Not only does it exclusively serve Texas residents, but it also offers some of the most affordable auto insurance rates in the city. While it scored below average in J.D. Power’s customer satisfaction rankings for the state, it received a high grade from CRASH Network for claims service. It also has the cheapest average rates in Texas for drivers with a DUI, poor credit, or a speeding ticket.
Who it’s best for
Texas Farm Bureau is a good fit for Texans who value local expertise and personalized service. In addition to auto insurance, it offers home, farm, and health insurance, so it’s also a strong choice for those looking to bundle. It’s likely best for those who plan to purchase full coverage, as State Farm and GEICO have cheaper average rates for minimum coverage.
Dallas pricing
| Texas Farm Bureau | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $140 | $59 |
| Annually | $1,683 | $707 |
| Difference from Dallas average | -32% | -14% |
2. Best for Bundling - State Farm
What We Like Most:
- High ratings for claims satisfaction
- Local Dallas agents
- Discounts for bundling
Why we chose it
In addition to its cheap rates, State Farm ranks high in both J.D. Power’s customer and claims satisfaction studies, making it a strong overall pick for auto insurance in Dallas. The company offers a wide array of discounts for multiple driver profiles, and is known for offering personalized service through its network of local agents.
Who it’s best for
State Farm is a great option for Texans who value personalized service, drivers with a clean record, rideshare drivers, households with multiple cars, and those looking to bundle their auto insurance policy with another policy, like homeowners, renters, or life insurance. It’s also a good option for safe drivers, who can save with the Drive Safe & Save telematics program.
Dallas pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $142 | $55 |
| Annually | $1,709 | $662 |
| Difference from Dallas average | -31% | -19% |
3. Best for Discounts - GEICO
Why we chose it
On average, GEICO offers some of the cheapest rates for both full and minimum coverage in Dallas. It ranks above average in J.D. Power’s customer satisfaction study for Texas and offers a wide array of discounts, including ones for federal employees, military members, students, and households with more than one car.
Who it’s best for
GEICO is best for drivers who prefer to shop and manage their policies digitally. It’s a good fit for college students, renters (doesn’t underwrite its own homeowners insurance), and anyone belonging to an affiliate group that qualifies for a discount.
Dallas pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $158 | $58 |
| Annually | $1,896 | $695 |
| Difference from Dallas average | -24% | -15% |
4. Best for Military/Veterans - USAA
What We Like Most:
- Catered specifically to the needs of military members
- High ratings for customer satisfaction
- Easy claims process
Why we chose it
While USAA is only available to military members, veterans, and their families, those who qualify enjoy some of the lowest rates in Dallas. USAA consistently ranks high in third-party measures for customer and claims satisfaction and offers discounts for bundling, students, safe drivers, and new vehicle owners.
Who it’s best for
USAA is best for military members, veterans, and their families. In addition to providing all standard coverage options, USAA also offers benefits catered specifically to military members, like discounts for service members who garage their vehicles while deployed.
>>COMPARE: Check out our detailed analysis of USAA vs. State Farm
Dallas pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $158 | $53 |
| Annually | $1,900 | $636 |
| Difference from Dallas average | -23% | -22% |
5. Best for Customer Satisfaction - Nationwide
What We Like Most:
- Ranked #1 for customer satisfaction in Texas
- Discounts for good students with a B average or better
- Personalized support from local agents
Why we chose it
Nationwide is a standout in Texas, scoring #1 on J.D. Power’s customer satisfaction study in the state. It also scored well above average in J.D. Power’s Study for claims satisfaction. In addition to strong service, Nationwide also offers a wide range of add-ons, like roadside assistance, rental car reimbursement, gap coverage, accident forgiveness, and vanishing deductibles.
Who it’s best for
Nationwide is a great fit for Texans who value excellent customer service, want a hassle-free claims process, and appreciate the ability to customize their policy with a range of optional add-ons. Nationwide also offers discounts for good students, safe drivers, and those looking to bundle. It’s best for drivers who plan to purchase full coverage, as its minimum coverage rates are higher than the Dallas average.
Dallas pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $159 | $76 |
| Annually | $1,904 | $914 |
| Difference from Dallas average | -23% | +12% |
Dallas Best Cheap Picks – Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Texas1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| Texas Farm Bureau | 628 | B+ | Data unavailable | 0.73 |
| State Farm | 645 | C- | 710 | 1.55 |
| GEICO | 651 | C- | 692 | 0.95 |
| USAA | 732 | D+ | 726 | 1.31 |
| Nationwide | 657 | C | 728 | 2.70 |
| Average | 640 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Dallas
On average, Texas Farm Bureau offers the cheapest full coverage in Dallas at $1,683 annually — that’s 32 percent less than the city average of $2,483. State Farm, GEICO, USAA, and Nationwide are also worth looking into if you’re looking for cheap rates in Dallas that fall below the city average.
| Company | Annual Dallas Average | Monthly Dallas Average |
|---|---|---|
| Texas Farm Bureau | $1,683 | $140 |
| State Farm | $1,709 | $142 |
| GEICO | $1,896 | $158 |
| USAA | $1,900 | $158 |
| Nationwide | $1,904 | $159 |
| Progressive | $2,800 | $233 |
| Allstate | $3,001 | $250 |
| Farmers | $5,292 | $441 |
| Dallas Average | $2,483 | $207 |
| Texas Average | $2,353 | $196 |
| United States Average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Dallas
On average, USAA offers the cheapest annual rates for minimum coverage in Dallas at $636 per year, which is about 22 percent less than the city average of $817. While USAA offers some of the lowest rates on the market, it’s only available to military members, veterans, and their families. For drivers that don’t meet those eligibility requirements, State Farm offers comparable pricing at $662 on average annually, followed by GEICO and Texas Farm Bureau at $695 and $707.
| Company | Annual Dallas Average | Monthly Dallas Average |
|---|---|---|
| USAA | $636 | $53 |
| State Farm | $662 | $55 |
| GEICO | $695 | $58 |
| Texas Farm Bureau | $707 | $59 |
| Allstate | $894 | $75 |
| Nationwide | $914 | $76 |
| Progressive | $927 | $77 |
| Farmers | $2,034 | $170 |
| Dallas Average | $817 | $68 |
| Texas Average | $864 | $72 |
| United States Average | $635 | $53 |
How many car accidents happen in Dallas?
Dallas has one of the highest rates of traffic fatalities among large U.S. cities. In 2024, there were approximately 28,000 car crashes in Dallas, resulting in 210 fatalities. While this number is a decrease from 2023, which saw an estimated 35,000 crashes, it is still high. Loop 12 is one of Dallas’ most dangerous roadways. In 2024, there were 25 deaths on Loop 12. As of May 2025, there have been 5 deaths on Loop 12.5
In 2022, Dallas City Council approved the Vision Zero plan with the goal of eliminating traffic fatalities and reducing serious injuries by 50 percent by 2030. Strategies for this plan include infrastructure improvements and targeted enforcement of speeding and distracted driving.
SAFETY FIRST:
Texas has high speed limits, with maximum speed limits reaching as high as 85 mph on certain highways. Part of Dallas’ Vision Zero Initiative to reduce traffic fatalities include lowering speed limits on dangerous roadways. The speed limit on part of Loop 12 was reduced from 45 mph to 40 mph.
Minimum Auto Insurance Requirements in Texas
Known as the 30/60/25 rule, drivers are required to carry the following minimum insurance in Texas:
- $30,000 in bodily injury liability per person
- $60,000 in bodily injury liability per accident
- $25,000 in property damage liability coverage6
Texas is an at-fault state, which means that the driver who is at-fault holds the legal responsibility to pay for the damages. Texas car insurance laws mandate that personal injury protection be included in every Texas car insurance policy, but drivers can reject it in writing.
FAQs
Which auto insurance provider offers the best balance of price and service in Dallas?
State Farm, USAA, and Texas Farm Bureau offer a good balance of price and service in Dallas. These companies all offer below-average rates in Dallas for full and minimum coverage, and score highly on third-party ratings of customer and claims satisfaction. Texas Farm Bureau ($140 monthly) and State Farm ($142 monthly) have the cheapest average rates for full coverage. USAA ($53 monthly) and State Farm ($55 monthly) have the cheapest average rates for minimum coverage.
What factors influence the cheapest auto insurance rates in Dallas for me?
Insurance companies consider many different factors, including your age, driving record, credit history, type of car, and zip code to calculate your insurance rate. Drivers with a clean driving history are considered lower risk than drivers with a DUI or speeding ticket on their record, and as a result enjoy lower rates. Along the same lines, teens typically pay higher premiums due to their lack of experience, which is considered a high risk.
Why do city-specific risks like theft and weather raise insurance costs in Dallas?
Dallas is densely populated and experiences a high rate of theft, vandalism, and hit-and-run accidents. It is also prone to severe weather events, like tornadoes, hail, windstorms, and occasional flooding. Due to these risk factors, Dallas drivers often face higher rates because insurance companies consider them more likely to file claims.
Methodology
- Price (40%): We analyzed average premiums for full and minimum coverage in Dallas, TX, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person and $300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured/underinsured motorist bodily injury: $$50,000 per person and $100,000 per accident
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Staff Writer
Tracy S. Lee holds over 10 years of professional experience in writing, research, and storytelling for brands and individuals. She understands that the world of auto insurance can feel intimidating, like learning a new language, and she is committed to empowering consumers to ask more questions and to find the best protection and coverage to suit their specific needs. Tracy received a B.A. in Creative Writing at NYU’s Gallatin School of Individualized Studies.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, Oct 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyDallas fatal traffic crashes trending down in first months of 2025. NBCDFW. (2025, May 19).
https://www.nbcdfw.com/investigations/dallas-fatal-traffic-crashes-trending-down-in-first-months-of-2025/3844401/New to Texas. Texas Department of Motor Vehicles. (2025).
https://www.txdmv.gov/motorists/new-to-texas
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