Best Dallas, TX Auto Insurance in 2025 (Find the Top 10 Companies Here)
State Farm, Geico, and Progressive are the best Dallas, TX auto insurance companies, with starting rates for only $53/mo. State Farm offers reliable service and 17% bundling discount. Geico is notable for its cheap rates and A++ rating, while Progressive provides flexible options for Dallas, TX drivers.
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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: Apr 12, 2025
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18,154 reviewsCompany Facts
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A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
Full Coverage
A.M. Best Rating
Complaint Level
Pros & Cons
13,283 reviewsThe top providers are State Farm, Geico, and Progressive, among Dallas, TX’s best auto insurance companies. Starting with only a $53 monthly rate, you can now enjoy premium auto insurance with many coverages.
They offer reliable services, financial stability, affordable rates, and customizable policies that will give clients the best premium auto insurance experience in Dallas, TX. See more auto insurance options below.
Our Top 10 Company Picks: Best Dallas, TX Auto Insurance
| Company | Rank | A.M. Best | Bundling Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | B | 17% | Reliable Service | State Farm |
 | #2 | A++ | 25% | Affordable Rates | Geico |
 | #3 | A+ | 10% | Flexible Options | Progressive |
 | #4 | A+ | 25% | Comprehensive Coverage | Allstate |
 | #5 | A | 20% | Customizable Policies | Farmers |
 | #6 | A++ | 10% | Military Benefits | USAA |
 | #7 | A | 25% | Extensive Discounts | Liberty Mutual |
 | #8 | A+ | 20% | Telematics Savings | Nationwide |
 | #9 | A++ | 13% | Innovative Features | Travelers |
 | #10 | A+ | 5% | Senior Focus | The Hartford |
Discover our car insurance guide and explore the different cheap car insurance rates; see the best auto insurance for you while saving big with top providers in Dallas, TX.
- State Farm, Geico, and Progressive are among the best auto insurance in Dallas, TX
- State Farm provides reliable coverage and financial stability for a $74 monthly rate
- Geico has affordable rates, and Progressive provides flexible policies to clients
Are you uncertain which of the best auto insurance providers is the perfect one for you? Enter your ZIP code to see the advantages and disadvantages of the best auto insurance in Dallas, TX.
#1 – State Farm: Top Overall Pick
Pros
- Bundling Discounts: You 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. Check our State Farm auto insurance review for more details.
- 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 the 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: Progressive encourages drivers to be more careful and practice safe driving habits to have insurance rates aligned with their safe driving.
- Customizable Policies: Progressive promotes customize coverage for their clients. They also have a variety of add-on options, giving drivers personal protections according to 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: 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: Farmers typically pay higher premiums, which can put off policyholders or clients on a tight budget.
- 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: These are 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: Liberty Mutual 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: Nationwide reduces the deductible over time as a reward for maintaining accident-free years.
- Financial Strength: Nationwide is 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 of Nationwide’s customers report delays in their 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. Good for clients who seek for stable and reliable insurance.
Cons
- Expensive for Poor Credit: Drivers with less-than-perfect financial histories often face higher premiums rates.
- 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: The Hartford’s 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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Affordable Auto Insurance Costs and Discounts in Dallas, TX
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.
Auto Insurance Monthly Rates in Dallas, TX by Provider & Coverage Level
| 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
| 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.
Factors That Determine Car Insurance Rates in Dallas, TX
Your auto insurance premium in 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.
Fatal Traffic Crashes by County in the Dallas-Fort Worth Area
| County | 2018 | 2019 | 2020 | 2021 |
|---|---|---|---|---|
| Collin | 45 | 50 | 55 | 60 |
| Dallas | 295 | 310 | 320 | 330 |
| Denton | 52 | 58 | 60 | 62 |
| Ellis | 16 | 18 | 20 | 22 |
| Hood | 5 | 6 | 7 | 8 |
| Hunt | 17 | 19 | 21 | 23 |
| Johnson | 22 | 24 | 26 | 28 |
| Kaufman | 25 | 27 | 29 | 31 |
| Parker | 29 | 31 | 33 | 35 |
| Rockwall | 8 | 9 | 10 | 11 |
| Somervell | 5 | 5 | 6 | 6 |
| Tarrant | 169 | 175 | 180 | 185 |
| Wise | 16 | 17 | 18 | 19 |
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 Auto Insurance in Dallas, Texas by ZIP Code
| ZIP Code | Monthly 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 Options 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
| 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 Score
| Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $451 | $527 | $721 |
 | $401 | $459 | $729 |
| $188 | $283 | $503 |
| $296 | $341 | $425 |
| $384 | 415 | $483 |
 | $206 | $258 | $414 |
| $162 | $202 | $347 |
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.
Enter your ZIP code below to compare auto insurance rates.
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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
Who has the best auto insurance in Dallas, TX?
State Farm is often considered the top overall pick in Dallas, TX due to its reliable service and bundling options.
What factors contribute to auto insurance premium variations in Dallas, TX?
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. To find the best rates near you, simply enter your ZIP code.
What impact does my credit score have on the car insurance rates I get in Texas?
A low credit score is one of the factors that contribute to auto insurance premium variations in Dallas, TX, often resulting in higher costs.
Are telematics-based insurance programs like Nationwide’s SmartRide a good idea for safe drivers?
Telematics-based auto insurance policies like Nationwide’s SmartRide reward good driving habits but may involve privacy trade-offs.
Which auto insurance company offers the best combination of affordability and coverage in Dallas, TX?
State Farm offers the best balance of affordability, bundling discounts, and dependable service in Dallas, TX, making it a top overall pick for auto insurance. Enter your ZIP code to find out how State Farm can tailor coverage and savings to your area.
What are some effective ways to lower my auto insurance premium in a high-risk area like Dallas?
You can reduce your auto insurance premium in Dallas, TX by improving your driving record, using discounts, and comparing rates by ZIP code.
How do A.M. Best ratings and customer complaint levels help in choosing a reliable insurance provider?
A.M. Best ratings and customer complaint levels help you judge a company’s financial reliability and quality of customer service.
Is full coverage worth the extra cost compared to minimum liability in Texas?
Choosing full coverage is more expensive than minimum liability, but offers comprehensive protection for high-value vehicles. Enter your ZIP code to see how full coverage options can be tailored to your needs and location.
Why might USAA be the best choice for military families in Dallas?
USAA’s auto insurance coverage for military personnel includes lower rates and exclusive benefits for active-duty members and veterans.
Read more: Military Auto Insurance
How much can my ZIP code really affect my auto insurance rates in Dallas?
Your ZIP code affects auto insurance rates in Dallas based on local crime, accident frequency, and traffic congestion.