For a 40-year-old driver with a clean record, Dallas car insurance averages about $288 a month ($3,458 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 16% above the Texas average of $248 a month. State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $216 and $217 a month.
Dallas costs about $40 a month more than the Texas average for our benchmark driver and about $41 a month more than Fort Worth. State Farm and Auto Club (AAA) are effectively tied for the lowest average among insurers anyone can buy from.
Our data covers 44 ZIP codes with a Dallas mailing address, from about $250 a month in 75287 to $321 in 75241.
Cost data comes from the auto rates insurers file with state regulators, priced across all 44 Dallas ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Dallas averages $3,458 a year, or about $288 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,170 a year ($98 a month), and 50/100/50 liability with comprehensive and collision averages $3,165 ($264 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $541 a month is 2.3 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Dallas average would be about $238 a month.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the insurers in our Dallas rate data that are among insurers anyone can buy from. USAA averages even less, at $190 a month, but it sells only to military members, veterans and their families. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $76 a month, with GEICO close behind at $80. USAA comes in even lower, at about $55 a month, but it sells only to military families.
Full-coverage averages by insurer in Dallas
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $657 | $55 | $2,282 | $190 |
| State Farm | $910 | $76 | $2,596 | $216 |
| Auto Club (AAA) | $1,069 | $89 | $2,601 | $217 |
| GEICO | $957 | $80 | $2,960 | $247 |
| Progressive | $1,241 | $103 | $3,813 | $318 |
| Allstate | $2,184 | $182 | $6,496 | $541 |
| Texas Farm Bureau* | $613 | $51 | $1,599 | $133 |
| Farmers* | $1,554 | $130 | $5,282 | $440 |
| Dallas average | $1,170 | $98 | $3,458 | $288 |
This table uses Dallas ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 44 Dallas ZIP codes we price, full coverage for our driver ranges from about $250 a month in 75287 to $321 in 75241, a gap of $857 a year. Far north Dallas ZIP codes such as 75252 and 75287 are the least expensive in our data, and southern Dallas ZIP codes such as 75210, 75216 and 75241 are the most expensive.
Lowest-priced Dallas ZIP codes
Highest-priced Dallas ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Dallas’ average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 75201 | $1,195 | $100 | $3,523 | $294 | +2% |
| 75203 | $1,258 | $105 | $3,766 | $314 | +9% |
| 75204 | $1,120 | $93 | $3,384 | $282 | -2% |
| 75205 | $1,142 | $95 | $3,306 | $276 | -4% |
| 75206 | $1,103 | $92 | $3,219 | $268 | -7% |
| 75207 | $1,217 | $101 | $3,687 | $307 | +7% |
| 75208 | $1,154 | $96 | $3,490 | $291 | +1% |
| 75209 | $1,123 | $94 | $3,344 | $279 | -3% |
| 75210 | $1,285 | $107 | $3,826 | $319 | +11% |
| 75211 | $1,172 | $98 | $3,554 | $296 | +3% |
| 75212 | $1,165 | $97 | $3,568 | $297 | +3% |
| 75214 | $1,116 | $93 | $3,285 | $274 | -5% |
| 75215 | $1,280 | $107 | $3,771 | $314 | +9% |
| 75216 | $1,283 | $107 | $3,811 | $318 | +10% |
| 75217 | $1,202 | $100 | $3,625 | $302 | +5% |
| 75218 | $1,130 | $94 | $3,301 | $275 | -5% |
| 75219 | $1,197 | $100 | $3,616 | $301 | +5% |
| 75220 | $1,116 | $93 | $3,305 | $275 | -5% |
| 75223 | $1,234 | $103 | $3,646 | $304 | +6% |
| 75224 | $1,176 | $98 | $3,548 | $296 | +3% |
| 75225 | $1,118 | $93 | $3,255 | $271 | -6% |
| 75226 | $1,183 | $99 | $3,526 | $294 | +2% |
| 75227 | $1,193 | $99 | $3,578 | $298 | +3% |
| 75228 | $1,205 | $100 | $3,544 | $295 | +2% |
| 75229 | $1,126 | $94 | $3,293 | $274 | -5% |
| 75230 | $1,130 | $94 | $3,324 | $277 | -4% |
| 75231 | $1,195 | $100 | $3,505 | $292 | +1% |
| 75232 | $1,270 | $106 | $3,773 | $314 | +9% |
| 75233 | $1,253 | $104 | $3,754 | $313 | +9% |
| 75234 | $1,075 | $90 | $3,124 | $260 | -10% |
| 75235 | $1,167 | $97 | $3,481 | $290 | +1% |
| 75236 | $1,143 | $95 | $3,378 | $282 | -2% |
| 75237 | $1,268 | $106 | $3,748 | $312 | +8% |
| 75238 | $1,162 | $97 | $3,380 | $282 | -2% |
| 75240 | $1,147 | $96 | $3,369 | $281 | -2% |
| 75241 | $1,295 | $108 | $3,851 | $321 | +11% |
| 75243 | $1,179 | $98 | $3,395 | $283 | -2% |
| 75244 | $1,093 | $91 | $3,197 | $266 | -8% |
| 75248 | $1,061 | $88 | $3,053 | $254 | -12% |
| 75249 | $1,119 | $93 | $3,278 | $273 | -5% |
| 75252 | $1,053 | $88 | $3,023 | $252 | -13% |
| 75253 | $1,176 | $98 | $3,479 | $290 | +1% |
| 75254 | $1,129 | $94 | $3,281 | $273 | -5% |
| 75287 | $1,057 | $88 | $2,994 | $250 | -13% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $293 a year on average in our Dallas data, with the same $500 deductibles. That’s about $24 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Dallas ZIP codes, their full-coverage average fell from $2,868 a year nine months earlier to $2,850 in rates as of Aug. 31, 2026, a 0.6% drop. Auto Club (AAA) cut its Dallas average 5.8% and Progressive 2.1%, while GEICO raised its average 3.2% and USAA 3.1%; State Farm’s average was about unchanged. Allstate is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Dallas average above. Liability-only coverage at 30/60/25 limits fell 2.5%, led by USAA, which cut its liability-only average 15.9%.
Dallas County averages about $280 a month for full coverage in our data, the most expensive of the 179 Texas counties we price by about $6 a year, with Harris County right behind at $280. The counties to the north cost less: Collin County averages $243 and Denton County $231, and Tarrant County, home to Fort Worth, averages $245.
Suburbs vary a lot. Plano averages about $245 a month, Irving $260, Garland $276 and Mesquite $282. Prices depend on where in Texas you live, not just on your car and driving record.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
Our Dallas–Fort Worth guide covers the whole 11-county metro area, which averages $254 a month, and Frisco, about 25 miles north, averages $236. Waco averages $221.
Drivers in Dallas follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Across the seven counties in the Dallas area and 212 ZIP codes we price there, full coverage runs from about $231 a month in Denton County to $280 in Dallas County. The Texas average is $248. These figures use the same rate data and benchmark driver as the rest of this page.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Dallas County | 79 | $1,146 | $96 | $3,364 | $280 |
| Rockwall County | 3 | $1,017 | $85 | $3,006 | $251 |
| Kaufman County | 7 | $962 | $80 | $2,957 | $246 |
| Ellis County | 7 | $1,002 | $84 | $2,948 | $246 |
| Tarrant County | 63 | $1,014 | $85 | $2,937 | $245 |
| Collin County | 27 | $1,023 | $85 | $2,919 | $243 |
| Denton County | 26 | $963 | $80 | $2,773 | $231 |
| Texas average | 1019 | $990 | $83 | $2,972 | $248 |
For our benchmark driver, full coverage in Dallas averages about $288 a month ($3,458 a year) and liability-only coverage about $98 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 16% above the Texas average of $248 a month. Without Allstate, the Dallas average is about $238 a month.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Dallas rate data, at about $216 and $217 a month. USAA, which sells only to military members, veterans and their families, has a lower average still ($190 a month). GEICO’s average is next, at $247. For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $76 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Fort Worth, for our benchmark driver. Fort Worth full coverage averages about $247 a month and Dallas about $288, a difference of about $41 a month for the same driver and car.
In our data, 75287 has the lowest full-coverage average in Dallas, at about $250 a month, and 75241 the highest, at about $321. The ZIP code table on this page lists all 44.
In our Dallas data, full coverage (100/300/100 with $500 deductibles) averages about $288 a month and liability-only coverage at 30/60/25 limits about $98, a difference of about $190 a month ($2,288 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past nine months), their Dallas full-coverage average fell 0.6%, from about $2,868 to $2,850 a year. That’s lower than the Dallas average of $3,458 because it leaves out Allstate. Auto Club (AAA) cut its Dallas average 5.8% and Progressive 2.1%, while GEICO raised its average 3.2% and USAA 3.1%. Liability-only coverage at 30/60/25 limits fell 2.5%.
For our benchmark driver, full coverage in Dallas averages about $288 a month. Nearby, Dallas–Fort Worth averages about $254, Frisco about $236 and Waco about $221. Dallas–Fort Worth, Frisco and Waco are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
