Best Dallas, TX Auto Insurance in 2025 (Find the Top 10 Companies Here)
State Farm, Geico, and Progressive offer the best Dallas, TX auto insurance. Rates start at $53 per month for policies meeting Texas’s 30/60/25 minimum liability coverage. State Farm rewards safe drivers. Geico offers a 15% military discount, while Progressive’s Name Your Price tool fits any Dallas, TX budget.
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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: May 30, 2025
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13,283 reviewsState Farm, Geico, and Progressive are the top providers for the best Dallas, TX auto insurance, thanks to their unique savings tools and proven driver benefits.
State Farm leads with Drive Safe & Save, rewarding low-mileage drivers and offering a 17% auto insurance discount for bundling.
Our Top 10 Company Picks: Best Dallas, TX Auto Insurance
| Company | Rank | A.M. Best | Bundling Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | A++ | 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 |
Geico stands out with an A++ financial strength rating and an average annual savings of $740. Progressive earns its spot with the Name Your Price tool and Snapshot, which personalizes rates based on real-time driving habits.
- State Farm stands out with Drive Safe & Save and multi-policy savings
- Rates in Dallas, TX shift based on credit score and commute distance
- Telematics programs in Dallas, TX, offer up to 25% off for safe driving
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
- Usage-Based Savings: In Dallas, TX, State Farm’s Drive Safe & Save can reduce rates by tracking low-mileage and safe driving behavior.
- Bundling Advantage: Dallas, TX drivers save up to 17% with multi-policy discounts for combining auto and home coverage.
- High Financial Strength: With an A++ A.M. Best rating, State Farm ensures long-term claim reliability in Dallas, TX. Check our State Farm auto insurance review for more details.
Cons
- Limited Digital Tools: Dallas, TX users may find State Farm’s mobile app less intuitive than competitors’.
- Young Driver Rates: Premiums for teen drivers in Dallas, TX tend to be higher than the local average despite discounts.
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#2 – Geico: Best for Affordable Rates
Pros
- Safe Driving Incentive: Geico offers Dallas, TX drivers up to 25% off after five accident-free years through its safe driver discount.
- Low Annual Claims Volume: With a below-average complaint index in Dallas, TX, Geico shows strong customer satisfaction.
- Strong Financial Backing: Geico’s A++ A.M. Best rating reflects dependable claims processing for Dallas, TX drivers. To learn more, view our Geico insurance review.
Cons
- Sparse Local Agents: Personalized service in Dallas, TX, may be limited due to Geico’s online-heavy model.
- Limited Customization: Geico offers fewer optional coverages in Dallas, TX, compared to other top insurers.
#3 – Progressive: Best for Flexible Options
Pros
- Name Your Price Tool: Dallas, TX drivers can use this tool to match coverage to budget constraints with flexible limits and deductibles.
- Snapshot Savings: Progressive’s telematics program rewards safe Dallas, TX drivers with up to 30% off. Read our Progressive insurance review to understand better.
- SR-22 Filings: Progressive simplifies the process of securing required SR-22 insurance for high-risk drivers in Dallas, TX.
Cons
- Above-Average Complaints: Progressive shows a higher-than-average complaint index for Dallas, TX, claims handling.
- Variable Renewal Rates: Dallas, TX, customers often report unpredictable premium increases upon renewal.
#4 – Allstate: Best for Comprehensive Coverage
Pros
- Claim RateGuard: Dallas, TX, policyholders can avoid premium increases after their first at-fault accident. See more of it by reading our Allstate insurance review.
- Drivewise Program: Offers Dallas, TX drivers real-time feedback and up to 40% in driving behavior-based discounts.
- Wide Agent Network: Dallas, TX residents benefit from face-to-face service through Allstate’s large local agent base.
Cons
- Higher Premiums: Allstate’s base rates in Dallas, TX, are higher than the local average before applying discounts.
- Steep Fees: Dallas, TX, customers report high cancellation or policy adjustment fees.
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#5 – Farmers Insurance: Best for Customizable Policies
Pros
- Signal App Discounts: Dallas, TX drivers can earn up to 30% off premiums by consistently demonstrating safe driving habits via the Signal app.
- Customized Equipment Coverage: Farmers offers extended coverage for aftermarket parts and custom gear in Dallas, TX.
- Loss Forgiveness: Farmers offers Dallas, TX, policyholders accident forgiveness, protecting against first-time rate hikes. Learn more in our Liberty Mutual insurance review.
Cons
- Limited Bundling: Some Dallas, TX customers find bundling discounts less competitive than top rivals.
- Slower Claims Turnaround: Farmers has reported longer claims resolution times in Dallas, TX, compared to other national providers.
#6 – USAA: Best for Military Benefits
Pros
- Exclusive Military Rates: USAA offers some of the lowest Dallas, TX premiums exclusively to active-duty, retired military, and their families.
- Top Financial Rating: With an A++ from A.M. Best, USAA ensures fast claims handling and long-term stability for Dallas, TX, policyholders.
- Deployment Flexibility: Dallas, TX military members benefit from storage discounts and policy pause options during active deployment. To see more, read our USAA insurance review.
Cons
- Eligibility Restrictions: Only military-affiliated residents in Dallas, TX, can access USAA’s services.
- Limited Local Offices: Face-to-face support in Dallas, TX, is scarce due to USAA’s mostly digital service model.
#7 –Liberty Mutual: Best for Extensive Discounts
Pros
- RightTrack Savings: Dallas, TX drivers using Liberty’s telematics program can save up to 30% for consistent safe driving.
- 12+ Discount Options: Liberty Mutual offers Dallas, TX, policyholders access to unique savings, such as newly married or new vehicle discounts.
- Custom Parts Coverage: Liberty protects aftermarket parts in Dallas, TX, making it ideal for modified vehicles. See how it’s done through our Liberty Mutual insurance review.
Cons
- Higher Base Premiums: Liberty Mutual’s initial quotes in Dallas, TX, tend to exceed those of budget-focused carriers.
- Mixed Customer Reviews: Dallas, TX users frequently cite slow response times for billing or claim disputes.
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#8 – Nationwide: Best for Telematics Savings
Pros
- SmartRide Rewards: Dallas, TX drivers can save up to 40% by enrolling in SmartRide® and practicing safe driving habits.
- Vanishing Deductible: Nationwide offers a $100 reduction per year for Dallas, TX drivers with clean records.
- Accident Forgiveness: Policyholders in Dallas, TX, won’t face rate hikes after their first at-fault accident. See our Nationwide insurance review to know more.
Cons
- Limited Availability of Features: Some popular programs aren’t offered in all Dallas, TX ZIP codes.
- Steep Rate Changes: Dallas, TX drivers may experience significant pricing jumps after policy changes or renewals.
#9 – Travelers: Best for Innovative Feature
Pros
- IntelliDrive Program: Dallas, TX drivers earn up to 30% off by tracking speed, braking, and time of day behind the wheel.
- Premier New Car Replacement: Travelers replaces totaled vehicles in Dallas, TX, with a brand-new car of the same make and model.
- Strong Claims Reputation: Dallas, TX, policyholders benefit from Travelers’ consistently high claims satisfaction ratings. Check out our Travelers insurance review to learn more.
Cons
- Lack of Local Discounts: Compared to regional carriers, Dallas, TX, residents have fewer city-specific programs available.
- High Rates for High-Risk Drivers: Travelers is less forgiving with pricing for Dallas, TX drivers with past violations.
#10 – The Hartford: Best for Senior Focus
Pros
- AARP-Endorsed Coverage: The Hartford’s AARP program provides exclusive Dallas, TX discounts for drivers aged 50 and over.
- RecoverCare Assistance: Offers Dallas, TX drivers help with daily tasks like housework or transportation after an accident.
- Lifetime Repair Guarantee: Approved shop repairs are covered for life under Dallas, TX policies. Learn more by reading our The Hartford insurance review.
Cons
- Age-Based Eligibility: Non-AARP members in Dallas, TX, can’t access senior savings or specialty programs.
- Fewer Online Tools: The Hartford’s website lacks some modern features that other Dallas, TX insurers provide.
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Best Auto Insurance Coverage Rates in Dallas, TX
This table shows monthly rates for minimum and full coverage from top car insurance companies in Dallas, TX. Geico has the lowest minimum coverage cost, $53, while USAA is the cheapest full coverage company, at only $103.
Auto Insurance Monthly Rates in Dallas, TX by 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 |
State Farm has low full coverage at $105. On the higher side, Liberty Mutual and The Hartford go over $150 for complete policies.
Credit scores greatly affect car insurance prices in Dallas, TX. Drivers who have good credit pay much less. For example, USAA charges only $162, and Geico asks for $188.
Auto Insurance Monthly Rates in Dallas, Texas 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 |
Bad credit increases rates to over $700 with Allstate and American Family. State Farm and Progressive stay stable at all levels, while Nationwide stays moderate even for low scores.
Best Auto Insurance in Dallas, TX 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 |
In Dallas, TX, auto insurance rates vary greatly depending on the ZIP code. For example, drivers living in 75252 pay only $488 each month, which is the lowest rate among those listed.
Nearby ZIP codes such as 75287 and 75248 have insurance rates that remain below $520. However, in the area with ZIP code 75207, the rates jump up to $659. Living just a few blocks away can make you save more than $170 each month.
Dallas, TX Best Auto Insurance Discounts
Top Dallas car insurance companies give different auto insurance discounts that reward safe driving, bundling services, and safe habits. State Farm offers savings for using anti-theft devices and passive restraints.
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. |
Geico gives advantages to federal employees and safe driving. Programs like Progressive’s Snapshot and Travelers’ IntelliDrive help lower rates by tracking how you use your car. Students and military families also unlock major discounts across providers.
How to Save on the Best Dallas, TX Auto Insurance
Reducing your premium in Dallas, TX, begins with understanding where insurers provide advantages. Telematics programs such as Progressive’s Snapshot and Travelers’ IntelliDrive monitor safe driving habits and can give you up to 30% off.
Combining auto and home insurance with companies like State Farm or Liberty Mutual can give you a 17% discount or even more. If you are a student, Geico, Allstate, and USAA have special discounts for good students that can reduce rates by 15% or higher.
Military families living in Dallas, TX, have the opportunity to access special discounts with USAA. If you own a hybrid or electric car, you might be eligible for reduced rates through Travelers or Nationwide.
Insurers check annual mileage when setting Dallas, TX premiums. In fact, driving under 7,500 miles a year often qualifies you for low-mileage discounts.
Chris Abrams Licensed Insurance Agent
Additionally, changing to paperless billing, paying your entire bill at once, or signing up early can also lower your costs significantly. The more you stack, the less you pay.
Factors Affecting the Best Auto 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 |
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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Looking for the Best Auto Insurance Provider in Dallas, TX
Top auto insurance companies in Dallas, TX, are known for offering true value and important features. State Farm rewards drivers who drive safely with the Drive Safe & Save program, plus they get extra benefits if they combine policies.
Geico offers very good benefits for military families and federal workers, which helps keep long-term drivers loyal. Progressive makes the experience personal with options like Snapshot and Name Your Price, assisting Dallas drivers in finding coverage that matches their driving habits and locations.
When choosing auto insurance in Dallas, Texas, check claim response times. Fast claims matter more than price. For example, some pay out in under 48 hours.
Kristine Lee Licensed Insurance Agent
The leading auto insurance companies in Dallas, TX, provide reliable service, affordable rates, and flexible options based on your vehicle needs. These companies are the top picks for your vehicle needs in Dallas, TX, and can help you save money. Get access to cheap car insurance in Dallas, TX, with a few clicks by entering your ZIP code today.
Frequently Asked Questions
Who has the best car 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.
What impact does your credit score have on the car insurance rates you get in Texas?
A low credit score is one factor contributing 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.
What are some effective ways to lower your 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 it offers comprehensive protection for high-value vehicles.
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. You can get loyalty perks and storage savings through 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.
What is the best full coverage car insurance in Texas for your needs?
You’ll likely get the best full coverage in Texas from providers like State Farm or Progressive, especially if you bundle and qualify for usage-based savings. Expect monthly rates to start around $120, depending on your ZIP code and driving history.
Who are the best auto insurance companies in Texas that you can trust?
You can rely on top-rated companies like State Farm, Geico, and USAA for financial strength, discounts, and digital tools. Each offers strong coverage options with monthly rates tailored to your profile. Many Texans compare auto insurance companies to unlock bundling benefits faster.
Where can you find the cheapest car insurance in Dallas, TX?
To get the cheapest car insurance in Dallas, Texas, compare quotes by ZIP code. Companies like Geico and State Farm often offer rates starting as low as $53 per month with safe driver or bundling discounts.
What is the best car insurance in Texas for seniors?
If you’re a senior, The Hartford and USAA offer special programs, including AARP discounts and benefits tailored to older drivers. Monthly rates stay low if you maintain a clean record.
Which is the best car insurance in Texas for young drivers?
You’ll benefit most from Progressive, State Farm, or Nationwide if you’re a young driver. Look for good student discounts, driver training savings, and telematics programs to lower your monthly premiums.
What should you know about Texas Farm Bureau Insurance?
Texas Farm Bureau Insurance is a solid option if you live in Texas and prefer local agents. While you’ll need to pay a membership fee, the company offers competitive monthly rates, especially for rural drivers.
What is the average cost of car insurance in Dallas, Texas?
You can expect to pay around $140 to $160 per month for car insurance in Dallas, Texas, depending on your ZIP code, driving history, and chosen coverage level. Find the best way to compare auto insurance in Dallas, TX by entering your ZIP code now.