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Best Cheap Car Insurance in Dallas
Texas Farm Bureau, State Farm, USAA, Nationwide, and AAA are top picks for Dallas.
Cheapest
Editor's Rating:
4.4/5
4.4/5Best for Bundling
Editor's Rating:4.9/5
4.9/5
Average Cost in Dallas
- Full Coverage Monthly: $159
- Minimum Coverage Monthly: $68
Best for Military/Veterans
Editor's Rating:5/5
5/5
Average Cost in Dallas
- Full Coverage Monthly: $167
- Minimum Coverage Monthly: $64
Last updated: August 11, 2026
Key Takeaways: Best Cheap Car Insurance in Dallas 2026
Texas Farm Bureau is the cheapest car insurance provider in Dallas for most drivers.
Full coverage in Dallas averages $2,956/year; minimum coverage averages $1,225/year.
Texas Farm Bureau is the cheapest overall, with full coverage averaging $1,698/year — 43% below the Dallas average.
Texas Farm Bureau and USAA offer the cheapest minimum coverage, averaging $720 and $771/year, respectively.
Auto Club of Southern California (AAA) ranks first for customer satisfaction in Texas per J.D. Power.
Our Top Picks for the Best Cheap Auto Insurance in Dallas
- Cheapest: Texas Farm Bureau
- Best for Bundling: State Farm
- Best for Military/Veterans: USAA
- Best for Online Purchasing: Nationwide
- Best for Customer Satisfaction: Auto Club of Southern California (AAA)
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 | $1,698 | $720 | Above average |
| State Farm | $1,903 | $821 | Above average |
| USAA | $2,004 | $771 | Above average |
| Nationwide | Data unavailable | Data unavailable | Above average |
| AAA | $3,105 | $1,292 | Above average |
| Dallas | $2,956 | $1,225 | – |
Detailed List of the Best Cheap Providers in Dallas
1. Texas Farm Bureau - Cheapest
4.4
Editor's Rating:
- Average Dallas Rate for Minimum Coverage
- $60 mo.
- Average Dallas Rate for Full Coverage
- $142 mo.
Cheapest average rates in Dallas- Exclusive to Texas residents
- Personalized service through local agents
Membership required- Basic mobile tools
Why we chose it
Exclusively serving Texas residents, Texas Farm Bureau has some of the most affordable auto insurance rates in Dallas at more than 40 percent below the city average for both full and minimum coverage.
It scored above average in J.D. Power’s latest customer satisfaction rankings for the state, and it received a B rating from CRASH Network for claims service, earning a spot on the Honor Roll. Texas Farm Bureau also offers several discounts to help drivers save, including good student, multi-car, claims-free, and bundling discounts.
Who it’s best for
Texans who value local expertise and personalized service, those looking to bundle, drivers who want to work with an agent
Texas Farm Bureau Dallas pricing
| Texas Farm Bureau | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $142 | $60 |
| Annually | $1,698 | $720 |
| Difference from Dallas average | -43% | -41% |
2. State Farm - Best for Bundling
4.9
Editor's Rating:
- Average Dallas Rate for Minimum Coverage
- $68 mo.
- Average Dallas Rate for Full Coverage
- $159 mo.
- Above-average customer satisfaction ratings
- Local Dallas agents
- Discounts for bundling
- Must complete quotes by phone
- No accident forgiveness
Why we chose it
State Farm has competitive rates in Dallas, with the second-cheapest average premium for full coverage, and the third-cheapest for minimum coverage. It also ranks above average 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. Its Drive Safe & Save telematics program provides a discount of up to 30 percent for safe driving, and unlike some other companies’ programs, will never increase rates.
Who it’s best for
Those looking to bundle their auto insurance policy with another policy, rideshare drivers, safe drivers who can save with the Drive Safe & Save telematics program
State Farm Dallas pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $159 | $68 |
| Annually | $1,903 | $821 |
| Difference from Dallas average | -36% | -33% |
3. USAA - Best for Military/Veterans
5
Editor's Rating:
- Average Dallas Rate for Minimum Coverage
- $64 mo.
- Average Dallas Rate for Full Coverage
- $167 mo.
- Catered specifically to the needs of military members
- High ratings for customer satisfaction
- Easy claims process
- Military eligibility required
- Limited to members
- Fewer branch locations
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. While it’s not technically ranked in J.D. Power’s studies due to its membership requirements, it earned the highest score in Texas in the most recent Auto Insurance Study.
In addition to providing all standard coverage options, USAA offers benefits catered specifically to military members, like discounts for service members who garage their vehicles while deployed, as well as savings for bundling, students, and safe drivers.
Who it’s best for
Military members, veterans, and their families
>>COMPARE: Check out our detailed analysis of USAA vs. State Farm
USAA Dallas pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $167 | $64 |
| Annually | $2,004 | $771 |
| Difference from Dallas average | -32% | -37% |
4. Nationwide - Best for Online Purchasing
4.8
Editor's Rating:
- Average Dallas Rate for Minimum Coverage
- $104 mo.
- Average Dallas Rate for Full Coverage
- $220 mo.
- Fast online quotes
- Highly-rated digital tools
- Wide array of discounts
- Not available in select states
- Expensive for teen drivers
Why we chose it
Nationwide ranks second after AAA in J.D. Power’s customer satisfaction study for Texas, and it also ranks second in J.D. Power’s Digital Experience Study for the service category, indicating that existing customers are satisfied with the company’s policy and claims management tools.1
The company also has one of the more generous telematics programs, SmartRide, which can provide a discount of up to 40 percent for safe driving. Those who drive less than average may be able to save with the company’s pay-per-mile program, SmartMiles.
Who it’s best for
Drivers who want to manage policies online, low-mileage drivers, those looking for gap coverage. We also named it one of the best for pickup trucks.
5. Auto Club of Southern California (AAA) - Best for Customer Satisfaction
4.5
Editor's Rating:
- Average Dallas Rate for Minimum Coverage
- $108 mo.
- Average Dallas Rate for Full Coverage
- $259 mo.
- Ranked first for customer satisfaction in Texas
- Discounts for good students with a B average or better
- Robust roadside assistance
Why we chose it
AAA is best known for its roadside assistance membership programs, but it also sells insurance through its various regional clubs. The AAA affiliate operating in Texas is the Auto Club of Southern California (it gets its name from where it was founded), which ranked first on J.D. Power’s customer satisfaction study in the state.
AAA also scored well above average in J.D. Power’s Study for claims satisfaction. In addition to strong service, it offers a range of add-ons, including rental car reimbursement, gap coverage, and new car replacement. Roadside assistance is included with membership.
Who it’s best for
Texans who value excellent customer service, existing AAA members, those who want robust roadside assistance
Auto Club of Southern California (AAA) Dallas pricing
| Auto Club of Southern California (AAA) | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $259 | $108 |
| Annually | $3,105 | $1,292 |
| Difference from Dallas average | +5% | +5% |
Dallas Best Cheap Picks – Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Texas2 | CRASH Network Report Card3 | J.D. Power Claims Satisfaction4 | NAIC Complaint Index5 |
|---|---|---|---|---|
| Texas Farm Bureau | 651 | B | Data unavailable | 0.31 |
| State Farm | 662 | D+ | 716 | 1.80 |
| Nationwide | 667 | C | 729 | 2.00 |
| USAA | 711 | C- | 741 | 3.00 |
| Auto Club of Southern California (AAA) | 673 | B | 726 | 3.90 |
| Average | 648 (out of 1,000) | C+ | 700 (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 has the cheapest average full coverage in Dallas at $1,698 annually. State Farm and USAA are the next cheapest, with rates well below the city average.
| Company | Annual Dallas Average | Monthly Dallas Average |
|---|---|---|
| Texas Farm Bureau | $1,698 | $142 |
| State Farm | $1,903 | $159 |
| USAA | $2,004 | $167 |
| GEICO | $2,426 | $202 |
| Mercury | $2,878 | $240 |
| Progressive | $2,901 | $242 |
| AAA | $3,105 | $259 |
| Allstate | $3,577 | $298 |
| Farmers | $4,816 | $401 |
| Dallas Average | $2,956 | $246 |
| Texas Average | $2,961 | $247 |
| United States Average | $2,356 | $196 |
Cheapest Minimum Coverage Car Insurance in Dallas
On average, Texas Farm Bureau and USAA have the cheapest annual rates for minimum coverage in Dallas. Note that USAA is only available to military members, veterans, and their families.
| Company | Annual Dallas Average | Monthly Dallas Average |
|---|---|---|
| Texas Farm Bureau | $720 | $60 |
| USAA | $771 | $64 |
| State Farm | $821 | $68 |
| GEICO | $915 | $76 |
| Progressive | $1,056 | $88 |
| Mercury | $1,177 | $98 |
| AAA | $1,292 | $108 |
| Allstate | $1,424 | $119 |
| Farmers | $1,760 | $147 |
| Dallas Average | $1,225 | $102 |
| Texas Average | $1,040 | $87 |
| United States Average | $722 | $60 |
How many car accidents happen in Dallas?
Dallas has one of the highest rates of traffic fatalities among large U.S. cities. In 2025, there were 26,431 car crashes in Dallas, resulting in 176 fatalities.6 Roughly 9,000 accidents resulted in injuries. Most fatal crashes occurred on Fridays. The deadliest roadways in Dallas as of early 2026 were Interstate 35E, US Highway 5, and Loop 12.7
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 includes 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:
- Bodily injury liability: $30,000 per person/$60,000 per accident
- Property damage liability: $25,000 per accident
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.
Frequently Asked Questions
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 ($142 monthly) and State Farm ($159 monthly) have the cheapest average rates for full coverage. Texas Farm Bureau ($60 monthly) and USAA ($64 monthly) have the cheapest average rates for minimum coverage.
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.
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: $100,000 per person and $300,000 per accident
- Comprehensive and collision: $500 deductible
- 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.
Sources
Insurance Websites and Apps Miss Opportunities to Build Customer Engagement, JD Power Finds. JD Power. (2026, May 13).
https://www.jdpower.com/business/press-releases/2026-us-insurance-digital-experience-studyAuto Insurers Struggle to Maintain Seamless Interactions Across Channels, JD Power Finds. JD Power. (2026, June 9).
https://www.jdpower.com/business/press-releases/2026-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2026. Crash Network. (2026).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds. JD Power. (2025, Oct 27).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyDriven to Death: Loop 12 is no longer Dallas’s deadliest street. NBCDFW. (2026, Jan 14).
https://www.nbcdfw.com/investigations/driven-to-death-loop-12-dallas-deadliest-street/3968488/TxDOT Dashboards:2025 Preliminary Fatal Injury Summary. Texas Department of Transportation. (2026, Aug 11).
https://cris.dot.state.tx.us/public/Query/app/dashboard-viewer/view/61New to Texas. Texas Department of Motor Vehicles. (2025).
https://www.txdmv.gov/motorists/new-to-texas
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