Best Dallas, TX Auto Insurance in 2025 (Find the Top 10 Companies Here)
State Farm, Geico, and Progressive are among the leading auto insurance providers in Dallas, TX, offering competitive rates beginning at $53 per month. State Farm is distinguished by its 17% bundling discounts and dependable coverage. Geico is recognized for its cost-effective rates, while Progressive is known for its flexible policy options.
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Jeffrey Manola
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Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
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UPDATED: Mar 22, 2025
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18,154 reviewsCompany Facts
Full Coverage in Dallas TX
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Full Coverage in Dallas TX
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
Full Coverage in Dallas TX
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsThe best Dallas, TX, auto insurance providers include Geico, USAA, and Erie, with monthly rates starting at $53 for coverage tailored to your vehicle needs.
These top providers offer reliable service, affordable rates, and flexible options for drivers in Dallas, TX.
Our Top 10 Company Picks: Best Dallas, TX Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Reliable Service | State Farm |
 | #2 | 25% | A++ | Affordable Rates | Geico |
 | #3 | 10% | A+ | Flexible Options | Progressive |
 | #4 | 25% | A+ | Comprehensive Coverage | Allstate |
 | #5 | 20% | A | Customizable Policies | Farmers |
 | #6 | 10% | A++ | Military Benefits | USAA |
 | #7 | 25% | A | Extensive Discounts | Liberty Mutual |
 | #8 | 20% | A+ | Telematics Savings | Nationwide |
 | #9 | 13% | A++ | Innovative Features | Travelers |
 | #10 | 5% | A+ | Senior Focus | The Hartford |
Discover our car insurance guide by entering your ZIP code to explore the different cheap car insurance rates while saving big with top providers in Dallas, Tx.
- The best Norfolk, VA insurance are State Farm, Geico, and Progressive
- State Farm offers reliable coverage starting at about $74 monthly
- Geico is known for cheap rates and Progressive is for flexible option
# 1 – State Farm: Top Overall Pick
Pros
- Bundling Discounts: Can save up to 17% when you combine multiple insurance policies. This option is helpful for people looking for complete coverage for their vehicles.
- Local Agent Support: A wide network of local offices provides personalized service for those who prefer in-person assistance with their auto coverage.
- Financial Stability: With consistently high ratings, this company provides peace of mind for drivers looking for long-term reliability in their insurance provider.
Cons
- Higher Premiums: Some drivers may encounter higher rates than competitors, particularly those seeking affordable car insurance plans.
- Limited Digital Tools: The online platform does not have the advanced features that tech-savvy drivers would expect when they want to adjust their policies easily.
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# 2 – Geico: Best for Affordable Rates
Pros
- Affordable Rates: It is a good choice for people who want affordable insurance, particularly those with a clean driving record.
- Excellent Digital Experience: Geico provides a user-friendly mobile app and website for drivers who prefer managing their insurance online. To learn more, view Geico insurance review.
- Diverse Discounts: Offers several savings options, making it a great choice for those looking to maximize cost-effectiveness on their policies.
Cons
- Limited Coverage Options: Lacks certain specialized protections, which may not be ideal for drivers with unique or high-value vehicles.
- Less Personalized Service: Customers who prefer in-person assistance may find interactions less personalized with fewer local agents.
# 3 – Progressive: Best for Flexible Options
Pros
- Usage-Based Discounts: Encourages careful driving habits, which appeals to people who want their insurance rates to match their safe driving practices.
- Customizable Policies: Various add-on options enable drivers to customize coverage, providing personalized protection to suit their needs.
- Strong Online Tools: Digital management is made easier for users who want fast access to updates about policies and claims.
Cons
- High Rates for Risky Drivers: Drivers with previous accidents or lower credit scores may face higher premiums. To understand better, read our Progressive insurance review.
- Mixed Claims Satisfaction: Some customers like the efficiency of the service, but others have experienced delays that might affect essential claims.
# 4 – Allstate: Best for Comprehensive Coverage
Pros
- Comprehensive Coverage: Allstate offers accident forgiveness, making it perfect for drivers seeking added protection against unforeseen incidents. See more of it by reading our Allstate insurance review.
- Drive wise Program: A telematics program that rewards safe drivers, providing a flexible way to lower insurance costs.
- Financial Stability: Consistently strong ratings provide reassurance to those seeking a reliable insurance partner.
Cons
- Expensive Premiums: Some policyholders may experience higher rates compared to other providers with similar coverage.
- Inconsistent Discounts: Savings opportunities for drivers can differ depending on the region they are in. This means that not all drivers may enjoy the same financial benefits.
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# 5 – Farmers Insurance: Best for Customizable Policies
Pros
- Highly Customizable Policies: Drivers can customize their insurance coverage to match their unique driving habits and lifestyles.
- Bundling Discounts: Offers significant savings by bundling auto and home policies, making it a great choice for multi-policy customers. Learn more in our Liberty Mutual insurance review.
- New Car Replacement: Ensures that in case of a total loss, drivers can replace their vehicle with a brand-new model rather than a depreciated payout.
Cons
- Higher Rates: Premiums tend to be pricier, which may deter cost-conscious policyholders.
- Limited Online Tools: Some users may find digital policy management less convenient compared to other providers.
# 6 – USAA: Best for Military Benefits
Pros
- Exceptional Customer Service: It is a reliable option for people looking for immediate support because of its excellent reputation for handling claims efficiently.
- Affordable Rates: USAA offers competitive pricing for active-duty military members and veterans.
- Military-Specific Benefits: Offers unique benefits, such as deployment discounts, designed for service members and their families. To see more, read our USAA insurance review.
Cons
- Membership Restrictions: Available only to military personnel and their families, excluding general consumers from eligibility.
- Limited Physical Locations: Limited branch offices mean in-person support options are not as widespread as other providers.
# 7 –Liberty Mutual: Best for Extensive Discounts
Pros
- Extensive Discounts: Provides savings for teachers, homeowners, and various professions, making it available to many policyholders. See how it’s done through our Liberty Mutual insurance review.
- Better Car Replacement: Liberty Mutual offers an upgraded model in the event of a total loss, providing additional financial security.
- Diverse Coverage Options: Includes gap insurance and roadside assistance, enhancing overall policy value.
Cons
- High Rates Without Discounts: Pricing can be steep unless multiple savings opportunities are applied.
- Variable Customer Service: Satisfaction levels depend on location, with some regions reporting inconsistent support.
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# 8 – Nationwide: Best for Telematics Savings
Pros
- SmartRide Telematics: Nationwide offers significant premium discounts to safe drivers based on real-time driving habits.
- Vanishing Deductible: Reduces the deductible over time as a reward for maintaining accident-free years.
- Financial Strength: A well-established provider with solid backing and a reliable claims process.
Cons
- Limited Availability: Certain features and benefits may not be available in all states. See our Nationwide insurance review to check your place.
- Claims Processing Complaints: Some customers report delays in claim approvals and payouts.
# 9 – Travelers: Best for Innovative Feature
Pros
- Innovative IntelliDrive Program: Monitors driving habits and rewards cautious drivers with reduced premiums.
- Wide Coverage Options: Travelers provides extra benefits like accident forgiveness and rental car reimbursement.
- Strong Financial Backing: Backed by a history of financial stability and a reputation for claims reliability.
Cons
- Expensive for Poor Credit: Drivers with less-than-perfect financial histories often face higher premiums.
- State-Specific Discounts: Offers can differ based on location, which may limit savings potential for some policyholders. Check out our Travelers insurance review to see what’s available in your area.
# 10 – The Hartford: Best for Senior Focus
Pros
- Exclusive AARP Benefits: The Hartford offers special discounts and personalized perks for older drivers. Learn more by reading our The Hartford insurance review.
- Lifetime Renewability: Eligible policyholders are assured uninterrupted coverage, even with changes in driving history.
- Strong Claims Satisfaction: Excellent customer ratings for claim resolution and support services.
Cons
- Not Ideal for Younger Drivers: Policies are structured mainly for seniors, making them less attractive for younger motorists.
- Limited Non-AARP Benefits: Non-AARP members may not have access to the same discounts and coverage options.
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Best Auto Insurance Rates in Dallas, Texas, from Top Providers by Coverage Level & Discounts
Discovering auto insurance that meets your needs and budget can be complex and confusing. When looking for auto insurance in Dallas, TX, it’s essential to be aware of the available coverage options.
Dallas, TX Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $98 | $153 |
| $91 | $152 |
| $53 | $133 |
| $96 | $165 |
| $79 | $120 |
| $85 | $139 |
| $74 | $105 |
| $100 | $158 |
| $88 | $134 |
| $60 | $103 |
This car insurance guide will help you compare monthly rates and coverage levels from different providers in Norfolk, VA, and highlight the discounts offered by top providers in the area.
Auto Insurance Discounts From the Top Providers in Dallas, TX
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Club, Early Signing, Responsible Payer, Anti-Theft Device, Multi-Policy, Multi-Car, and Paperless Discounts. |
| Affinity Group, Teen Driver, Good Student, Pay-in-Full, Electronic Funds Transfer, and Signal Usage-Based Program Discounts. |
| Anti-Theft Device, Multi-Policy, Defensive Driving, Military, Federal Employee, Good Student, Vehicle Safety Features, and Driving History Discounts. |
| Multi-Policy, Vehicle Safety Features, Accident-Free, Good Student, Homeowner, Early Signing, and Telematics Program Discounts. |
| SmartRide Usage-Based Discounts, Good Student, Multi-Policy, Accident-Free, Anti-Theft Device, Paperless, and Defensive Driving Discounts. |
| Multi-Car, Multi-Policy, Homeowner, Continuous Insurance, Teen Driver, Good Student, Paperless, and Snapshot Usage-Based Program. |
| Accident-Free, Defensive Driving Course, Driver's Education, Good Student, Multi-Policy, Multi-Car, Passive Restraint, Anti-Theft Device, and Safe Driver. |
| AARP Member Discounts, Accident Forgiveness, Driver Training, Bundling Policies, and Anti-Theft Device Discounts. |
| IntelliDrive Usage-Based Program, Multi-Policy, Hybrid/Electric Vehicle, Good Student, and Homeowner Discounts. |
| Military-Specific Discounts, New Vehicle, Safe Driver, Defensive Driving Course, Good Student, Multi-Policy, and Loyalty Discounts. |
You can compare the best car insurance providers in Virginia to find the best deals for auto insurance in Norfolk, VA. To see the most affordable options near you, just enter your ZIP code.
Dallas, TX Major Auto Insurance Factors
Your auto insurance premium in Newport Dallas, TX, can be affected by several factors, such as the area or neighborhood in which you reside.
Factors Affecting Auto Insurance
| Factor | Description |
|---|---|
| Age | Younger and older drivers pay more |
| Annual Mileage | More driving increases premiums |
| Claims History | More claims lead to higher premiums |
| Credit Score | Higher score may lower premiums |
| Deductible Amount | Higher deductible lowers premium cost |
| Driving History | Clean record lowers premiums; accidents raise |
| Gender | Males typically face higher premiums |
| Insurance Provider | Different insurers offer different rates |
| Location | Traffic, crime, and weather affect rates |
| Marital Status | Married drivers often pay less |
| Safety Features | Cars with safety features may lower rates |
| Type of Coverage | More coverage leads to higher premiums |
| Vehicle Type | Expensive or sporty cars cost more |
Auto insurance premiums depend on several of factors, such as age, gender, and driving history., vehicle type, location, credit score, and coverage level. Safe drivers with clean records typically pay lower premiums, while high-risk drivers face higher costs.
Dallas, Texas Auto Insurance Monthly Rates by Age
| Age: 17 | Age: 25 | Age: 35 | Age: 60 | Cheapest Rate | Cheapest Age |
|---|---|---|---|---|---|
| $761 | $313 | $251 | $236 | $236 | 60 |
Auto insurance costs are influenced mainly by your age, driving history, and commute to work. Younger drivers, because they are less experienced on the road, usually have the highest insurance premiums.
| County | 2014 | 2015 | 2016 | 2017 | 2018 |
|---|---|---|---|---|---|
| Collin | 47 | 37 | 50 | 68 | 45 |
| Dallas | 238 | 259 | 315 | 282 | 295 |
| Denton | 37 | 38 | 49 | 49 | 52 |
| Ellis | 24 | 25 | 28 | 33 | 16 |
| Hood | 8 | 3 | 15 | 11 | 5 |
| Hunt | 18 | 22 | 28 | 27 | 17 |
| Johnson | 23 | 22 | 23 | 21 | 22 |
| Kaufman | 24 | 18 | 27 | 31 | 25 |
| Parker | 15 | 18 | 21 | 20 | 29 |
| Rockwall | 3 | 4 | 12 | 13 | 8 |
| Somervell | 4 | 2 | 2 | 9 | 5 |
| Tarrant | 145 | 157 | 167 | 183 | 169 |
| Wise | 14 | 21 | 19 | 21 | 16 |
Car insurance rates will be higher in Dallas and Tarrant counties than in other counties because these places have the highest fatality rates in the area.
Cheapest ZIP Codes Auto Insurance Monthly Rates in Dallas, Texas
| ZIP Code | Rates |
|---|---|
| 75252 | $488 |
| 75287 | $498 |
| 75248 | $520 |
| 75234 | $532 |
| 75249 | $534 |
| 75206 | $536 |
| 75253 | $537 |
| 75218 | $541 |
| 75244 | $542 |
| 75205 | $544 |
| 75229 | $544 |
| 75214 | $546 |
| 75238 | $551 |
| 75236 | $552 |
| 75225 | $553 |
| 75204 | $556 |
| 75209 | $556 |
| 75220 | $562 |
| 75243 | $565 |
| 75240 | $566 |
| 75230 | $567 |
| 75208 | $568 |
| 75235 | $568 |
| 75254 | $570 |
| 75251 | $571 |
| 75212 | $572 |
| 75226 | $574 |
| 75228 | $574 |
| 75246 | $575 |
| 75202 | $575 |
| 75270 | $577 |
| 75224 | $580 |
| 75201 | $582 |
| 75217 | $584 |
| 75227 | $585 |
| 75232 | $585 |
| 75211 | $589 |
| 75237 | $591 |
| 75231 | $591 |
| 75223 | $593 |
| 75203 | $595 |
| 75233 | $595 |
| 75219 | $599 |
| 75241 | $601 |
| 75216 | $604 |
| 75215 | $606 |
| 75210 | $613 |
| 75398 | $626 |
| 75247 | $630 |
| 75342 | $631 |
| 75260 | $633 |
| 75242 | $646 |
| 75207 | $659 |
Car insurance changes from state to state. It depends on your choices to find the best coverage for affordable price.
To find the most affordable insurance in your area, simply enter your ZIP code.
Best Car Insurance for Coverage Level Rates in Dallas
Choosing a high level of car insurance coverage in Texas will lead to higher premiums than opting for the legal minimum coverage. It is essential to ensure that your chosen coverage level protects you from all potential expenses in case of an accident.
Dallas, Texas Auto Insurance Monthly Rates by Coverage Level
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| $551 | $561 | $587 |
| $340 | $355 | $370 |
| $308 | $321 | $345 |
| $340 | $355 | $370 |
| $382 | $339 | $342 |
| $408 | $425 | $449 |
| $277 | $292 | $310 |
| $340 | $355 | $370 |
| $350 | $365 | $380 |
| $228 | $236 | $247 |
Low coverage may not be wise if you own an expensive car or have valuable assets, as it could put you at financial risk in an accident.
Dallas, Texas Car Insurance Monthly Rates by Credit Record
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| $721 | $527 | $451 |
 | $729 | $459 | $401 |
| $503 | $283 | $188 |
| $425 | $341 | $296 |
| $483 | $415 | $384 |
 | $414 | $258 | $206 |
| $347 | $202 | $162 |
Car insurance rates differ significantly based on credit scores, with drivers with poor credit typically facing much higher premiums than those with good credit.
Texas insurance companies prioritize driving violations, and high-risk drivers should compare affordable insurance options, even with poor records. Knowing the most affordable choices in the area is very important.
Car insurance costs tend to increase quickly if a city experiences a high number of motor vehicle thefts, as this leads to more claims for insurance providers. Installing an anti-theft device can reduce theft risk, lower insurance costs, and may earn discounts from insurance providers.
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The Best Auto Insurance Provider in Dallas, TX
The best car insurance providers in Dallas, TX, are State Farm, Geico, and Progressive. These companies are recognized for reliable service, affordable rates, and flexible options.
The leading auto insurance companies in Dallas, Texas, are State Farm, Geico, and Progressive. They provide reliable service, affordable rates, and flexible options based on your vehicle needs. Enter your ZIP code to discover the best insurance options available in your area.
To get the best value on auto insurance, it’s essential to understand what each company is known for and the lowest rates they offer.
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These companies are the top pick for your vehicle needs in Dallas, TX, and can help you save money. Enter your ZIP code to learn how they can assist you in saving.
Frequently Asked Questions
What factors contribute to auto insurance premium variations in Dallas, TX, and how do they impact different driver profiles?
Auto insurance premiums in Dallas, TX, are heavily influenced by factors such as age, driving history, credit score, vehicle type, and location, with high-risk drivers being charged higher rates.
How do the coverage options offered by State Farm, Geico, and Progressive compare in terms of pricing, flexibility, and customer benefits?
State Farm is known for offering bundling discounts and dependable service, Geico offers competitive rates, and Progressive stands out for its flexible policy options designed to meet various driver needs. To discover more about affordable car insurance, enter your ZIP code.
What role does credit score play in determining auto insurance rates in Dallas, and why do insurers consider it an important factor?
Insurance companies use credit scores to evaluate financial responsibility, with lower scores typically resulting in higher premiums.
How do geographic factors, such as ZIP codes and crime rates, affect auto insurance pricing in Dallas, TX?
Insurance premiums differ by ZIP code because of factors like crime rates, accident statistics, and traffic congestion, causing some areas of Dallas to have higher costs than others.
What specific discounts do major insurers in Dallas offer, and how can drivers maximize their savings?
Major insurers offer discounts for bundling, safe driving, good student records, military service, and vehicle safety features to help drivers save on premiums. Enter your ZIP code to guide you more.
How does USAA’s auto insurance coverage for military personnel differ from other providers, and what exclusive benefits does it offer?
USAA provides lower rates, exclusive military discounts, and customized coverage options for active-duty service members, veterans, and their families.
Read more: Military Auto Insurance
What are the advantages and disadvantages of telematics-based auto insurance policies like those offered by Nationwide?
Telematics-based insurance, such as Nationwide’s SmartRide program, tracks driving behavior to offer discounts for safe habits but may raise privacy concerns.
How do A.M. Best ratings and customer complaint levels influence a consumer’s decision when choosing an auto insurance provider?
A.M. Best ratings reflect an insurer’s financial strength, while customer complaint levels indicate service quality and claim satisfaction, both of which affect consumer trust. See more details by entering your ZIP code.
What are the key differences between full coverage and minimum liability insurance in Dallas, and which drivers would benefit most from each?
Minimum liability insurance is less expensive but offers less protection, full coverage covers comprehensive, collision, and liability insurance, making it suitable for newer or high-value vehicles.
How does the article ensure objectivity despite being a referral service, and what potential biases should consumers be aware of?
Although the article claims objectivity, its referral service model may introduce biases favoring partnered insurance providers, so consumers should independently verify quotes and coverage options.