For a 40-year-old driver with a clean record, Dallas–Fort Worth car insurance averages about $257 a month ($3,086 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s about the same as the Texas average of $251 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 $189 and $191 a month.
Across the 11-county Dallas–Fort Worth metro area, full coverage for our benchmark driver averages about $257 a month, close to the Texas average. Dallas itself averages $293, and Fort Worth $250.
We price 239 ZIP codes in the metro area, from about $219 a month in 76259 to $328 in 75241.
Cost data comes from the auto rates insurers file with state regulators, priced across the 239 ZIP codes in the 11-county Dallas–Fort Worth metro area, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 11, 2026.
Full coverage in Dallas–Fort Worth averages $3,086 a year, or about $257 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,118 a year ($93 a month), and 50/100/50 liability with comprehensive and collision averages $2,812 ($234 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $477 a month is 2.2 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–Fort Worth average would be about $213 a month.
State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average among the insurers in our Dallas–Fort Worth rate data that are among insurers anyone can buy from. USAA averages even less, at $180 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 $68 a month, with GEICO close behind at $75. USAA comes in even lower, at about $51 a month, but it sells only to military families.
Full-coverage averages by insurer in Dallas–Fort Worth
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 Sept. 30, 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) | $606 | $51 | $2,165 | $180 |
| State Farm | $818 | $68 | $2,272 | $189 |
| Auto Club (AAA) | $944 | $79 | $2,297 | $191 |
| GEICO | $895 | $75 | $2,693 | $224 |
| Progressive | $1,151 | $96 | $3,368 | $281 |
| Allstate | $2,294 | $191 | $5,720 | $477 |
| Texas Farm Bureau* | $560 | $47 | $1,435 | $120 |
| Farmers* | $1,419 | $118 | $4,742 | $395 |
| Dallas–Fort Worth average | $1,118 | $93 | $3,086 | $257 |
This table uses ZIP codes in the 11-county Dallas–Fort Worth metro area 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 239 Dallas–Fort Worth ZIP codes we price, full coverage for our driver ranges from about $219 a month in 76259 to $328 in 75241, a gap of $1,306 a year. The least expensive ZIP codes in our data are on the metro area’s northern and western edges, such as 76259 in Ponder, 76201 in Denton and 75028 in Flower Mound, and the most expensive are in southern Dallas.
Lowest-priced Dallas–Fort Worth ZIP codes
Highest-priced Dallas–Fort Worth ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Dallas–Fort Worth’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. Area Average: |
|---|---|---|---|---|---|
| 75001 | $1,164 | $97 | $3,181 | $265 | +3% |
| 75002 | $1,052 | $88 | $2,847 | $237 | -8% |
| 75006 | $1,164 | $97 | $3,163 | $264 | +3% |
| 75007 | $1,122 | $94 | $2,981 | $248 | -4% |
| 75009 | $1,052 | $88 | $2,878 | $240 | -7% |
| 75010 | $1,113 | $93 | $2,975 | $248 | -4% |
| 75013 | $1,120 | $93 | $2,957 | $246 | -4% |
| 75019 | $1,121 | $93 | $2,996 | $250 | -3% |
| 75022 | $1,032 | $86 | $2,799 | $233 | -9% |
| 75023 | $1,115 | $93 | $2,947 | $246 | -4% |
| 75024 | $1,104 | $92 | $2,957 | $246 | -4% |
| 75025 | $1,119 | $93 | $2,971 | $248 | -4% |
| 75028 | $962 | $80 | $2,666 | $222 | -14% |
| 75032 | $1,097 | $91 | $3,055 | $255 | -1% |
| 75033 | $1,074 | $90 | $2,861 | $238 | -7% |
| 75034 | $1,088 | $91 | $2,897 | $241 | -6% |
| 75035 | $1,087 | $91 | $2,847 | $237 | -8% |
| 75036 | $1,070 | $89 | $2,858 | $238 | -7% |
| 75038 | $1,164 | $97 | $3,177 | $265 | +3% |
| 75039 | $1,132 | $94 | $3,086 | $257 | About average |
| 75040 | $1,234 | $103 | $3,310 | $276 | +7% |
| 75041 | $1,280 | $107 | $3,473 | $289 | +12% |
| 75042 | $1,268 | $106 | $3,456 | $288 | +12% |
| 75043 | $1,257 | $105 | $3,411 | $284 | +11% |
| 75044 | $1,180 | $98 | $3,162 | $264 | +3% |
| 75048 | $1,146 | $96 | $3,103 | $259 | +1% |
| 75050 | $1,199 | $100 | $3,263 | $272 | +6% |
| 75051 | $1,238 | $103 | $3,352 | $279 | +9% |
| 75052 | $1,154 | $96 | $3,145 | $262 | +2% |
| 75054 | $1,189 | $99 | $3,281 | $273 | +6% |
| 75056 | $1,127 | $94 | $2,971 | $248 | -4% |
| 75057 | $1,098 | $92 | $2,908 | $242 | -6% |
| 75060 | $1,216 | $101 | $3,305 | $275 | +7% |
| 75061 | $1,194 | $100 | $3,261 | $272 | +6% |
| 75062 | $1,147 | $96 | $3,133 | $261 | +2% |
| 75063 | $1,126 | $94 | $3,025 | $252 | -2% |
| 75065 | $1,033 | $86 | $2,834 | $236 | -8% |
| 75067 | $1,104 | $92 | $2,927 | $244 | -5% |
| 75068 | $1,102 | $92 | $2,909 | $242 | -6% |
| 75069 | $1,113 | $93 | $2,953 | $246 | -4% |
| 75070 | $1,061 | $88 | $2,833 | $236 | -8% |
| 75071 | $1,075 | $90 | $2,894 | $241 | -6% |
| 75072 | $1,047 | $87 | $2,835 | $236 | -8% |
| 75074 | $1,144 | $95 | $3,045 | $254 | -1% |
| 75075 | $1,121 | $93 | $3,005 | $250 | -3% |
| 75077 | $1,056 | $88 | $2,826 | $236 | -8% |
| 75078 | $1,094 | $91 | $2,921 | $243 | -5% |
| 75080 | $1,131 | $94 | $3,086 | $257 | About average |
| 75081 | $1,185 | $99 | $3,197 | $266 | +4% |
| 75082 | $1,133 | $94 | $3,069 | $256 | About average |
| 75087 | $1,092 | $91 | $3,043 | $254 | -1% |
| 75088 | $1,234 | $103 | $3,309 | $276 | +7% |
| 75089 | $1,216 | $101 | $3,252 | $271 | +5% |
| 75093 | $1,102 | $92 | $2,948 | $246 | -4% |
| 75094 | $1,123 | $94 | $3,009 | $251 | -2% |
| 75098 | $1,133 | $94 | $3,088 | $257 | About average |
| 75104 | $1,154 | $96 | $3,191 | $266 | +4% |
| 75114 | $1,050 | $88 | $2,997 | $250 | -3% |
| 75115 | $1,224 | $102 | $3,354 | $280 | +9% |
| 75116 | $1,198 | $100 | $3,319 | $277 | +8% |
| 75119 | $1,064 | $89 | $2,962 | $247 | -4% |
| 75125 | $1,101 | $92 | $3,060 | $255 | -1% |
| 75126 | $1,112 | $93 | $3,071 | $256 | About average |
| 75134 | $1,251 | $104 | $3,495 | $291 | +13% |
| 75135 | $993 | $83 | $2,890 | $241 | -6% |
| 75137 | $1,200 | $100 | $3,306 | $276 | +7% |
| 75141 | $1,234 | $103 | $3,471 | $289 | +12% |
| 75142 | $1,019 | $85 | $2,952 | $246 | -4% |
| 75146 | $1,207 | $101 | $3,339 | $278 | +8% |
| 75147 | $956 | $80 | $2,912 | $243 | -5% |
| 75149 | $1,302 | $109 | $3,548 | $296 | +15% |
| 75150 | $1,225 | $102 | $3,386 | $282 | +10% |
| 75152 | $1,097 | $91 | $3,051 | $254 | -1% |
| 75154 | $1,151 | $96 | $3,186 | $266 | +4% |
| 75158 | $1,019 | $85 | $2,974 | $248 | -4% |
| 75159 | $1,107 | $92 | $3,192 | $266 | +4% |
| 75160 | $1,038 | $87 | $2,986 | $249 | -3% |
| 75161 | $1,044 | $87 | $3,027 | $252 | -2% |
| 75165 | $1,088 | $91 | $2,951 | $246 | -4% |
| 75166 | $1,147 | $96 | $3,121 | $260 | +1% |
| 75167 | $1,053 | $88 | $2,900 | $242 | -6% |
| 75172 | $1,201 | $100 | $3,384 | $282 | +10% |
| 75173 | $1,130 | $94 | $3,129 | $261 | +2% |
| 75180 | $1,276 | $106 | $3,527 | $294 | +14% |
| 75181 | $1,225 | $102 | $3,357 | $280 | +9% |
| 75182 | $1,191 | $99 | $3,302 | $275 | +7% |
| 75189 | $1,075 | $90 | $3,011 | $251 | -2% |
| 75201 | $1,316 | $110 | $3,608 | $301 | +17% |
| 75203 | $1,378 | $115 | $3,849 | $321 | +25% |
| 75204 | $1,222 | $102 | $3,442 | $287 | +12% |
| 75205 | $1,233 | $103 | $3,358 | $280 | +9% |
| 75206 | $1,194 | $100 | $3,271 | $273 | +6% |
| 75207 | $1,338 | $112 | $3,768 | $314 | +22% |
| 75208 | $1,256 | $105 | $3,547 | $296 | +15% |
| 75209 | $1,214 | $101 | $3,390 | $283 | +10% |
| 75210 | $1,407 | $117 | $3,910 | $326 | +27% |
| 75211 | $1,274 | $106 | $3,612 | $301 | +17% |
| 75212 | $1,267 | $106 | $3,626 | $302 | +18% |
| 75214 | $1,207 | $101 | $3,335 | $278 | +8% |
| 75215 | $1,402 | $117 | $3,856 | $321 | +25% |
| 75216 | $1,404 | $117 | $3,894 | $325 | +26% |
| 75217 | $1,294 | $108 | $3,671 | $306 | +19% |
| 75218 | $1,221 | $102 | $3,347 | $279 | +9% |
| 75219 | $1,318 | $110 | $3,698 | $308 | +20% |
| 75220 | $1,207 | $101 | $3,352 | $279 | +9% |
| 75223 | $1,354 | $113 | $3,730 | $311 | +21% |
| 75224 | $1,278 | $107 | $3,605 | $300 | +17% |
| 75225 | $1,200 | $100 | $3,296 | $275 | +7% |
| 75226 | $1,304 | $109 | $3,610 | $301 | +17% |
| 75227 | $1,284 | $107 | $3,625 | $302 | +18% |
| 75228 | $1,306 | $109 | $3,602 | $300 | +17% |
| 75229 | $1,218 | $102 | $3,344 | $279 | +9% |
| 75230 | $1,221 | $102 | $3,370 | $281 | +9% |
| 75231 | $1,296 | $108 | $3,561 | $297 | +16% |
| 75232 | $1,391 | $116 | $3,857 | $321 | +25% |
| 75233 | $1,374 | $115 | $3,837 | $320 | +25% |
| 75234 | $1,156 | $96 | $3,169 | $264 | +3% |
| 75235 | $1,269 | $106 | $3,539 | $295 | +15% |
| 75236 | $1,234 | $103 | $3,424 | $285 | +11% |
| 75237 | $1,388 | $116 | $3,830 | $319 | +24% |
| 75238 | $1,253 | $104 | $3,426 | $286 | +11% |
| 75240 | $1,238 | $103 | $3,419 | $285 | +11% |
| 75241 | $1,416 | $118 | $3,934 | $328 | +28% |
| 75243 | $1,270 | $106 | $3,441 | $287 | +12% |
| 75244 | $1,175 | $98 | $3,237 | $270 | +5% |
| 75248 | $1,137 | $95 | $3,091 | $258 | About average |
| 75249 | $1,206 | $101 | $3,326 | $277 | +8% |
| 75252 | $1,133 | $94 | $3,068 | $256 | About average |
| 75253 | $1,278 | $107 | $3,539 | $295 | +15% |
| 75254 | $1,220 | $102 | $3,333 | $278 | +8% |
| 75287 | $1,137 | $95 | $3,038 | $253 | -2% |
| 75401 | $990 | $83 | $2,864 | $239 | -7% |
| 75402 | $976 | $81 | $2,821 | $235 | -9% |
| 75407 | $1,058 | $88 | $2,897 | $241 | -6% |
| 75409 | $1,066 | $89 | $2,880 | $240 | -7% |
| 75428 | $875 | $73 | $2,700 | $225 | -12% |
| 75442 | $1,110 | $93 | $3,024 | $252 | -2% |
| 75454 | $1,066 | $89 | $2,879 | $240 | -7% |
| 75474 | $1,006 | $84 | $2,928 | $244 | -5% |
| 76001 | $1,121 | $93 | $3,004 | $250 | -3% |
| 76002 | $1,187 | $99 | $3,188 | $266 | +4% |
| 76005 | $1,142 | $95 | $3,098 | $258 | About average |
| 76006 | $1,150 | $96 | $3,094 | $258 | About average |
| 76008 | $916 | $76 | $2,742 | $229 | -11% |
| 76009 | $1,048 | $87 | $2,903 | $242 | -6% |
| 76010 | $1,201 | $100 | $3,247 | $271 | +5% |
| 76011 | $1,175 | $98 | $3,173 | $264 | +3% |
| 76012 | $1,097 | $91 | $3,012 | $251 | -2% |
| 76013 | $1,087 | $91 | $2,990 | $249 | -3% |
| 76014 | $1,194 | $100 | $3,195 | $266 | +4% |
| 76015 | $1,180 | $98 | $3,131 | $261 | +2% |
| 76016 | $1,032 | $86 | $2,846 | $237 | -8% |
| 76017 | $1,108 | $92 | $2,975 | $248 | -4% |
| 76018 | $1,177 | $98 | $3,146 | $262 | +2% |
| 76020 | $941 | $78 | $2,747 | $229 | -11% |
| 76021 | $1,044 | $87 | $2,826 | $236 | -8% |
| 76022 | $1,066 | $89 | $2,895 | $241 | -6% |
| 76023 | $904 | $75 | $2,810 | $234 | -9% |
| 76028 | $938 | $78 | $2,709 | $226 | -12% |
| 76031 | $979 | $82 | $2,770 | $231 | -10% |
| 76033 | $971 | $81 | $2,762 | $230 | -11% |
| 76034 | $1,038 | $87 | $2,804 | $234 | -9% |
| 76036 | $951 | $79 | $2,765 | $230 | -11% |
| 76039 | $1,039 | $87 | $2,842 | $237 | -8% |
| 76040 | $1,132 | $94 | $2,997 | $250 | -3% |
| 76044 | $970 | $81 | $2,779 | $232 | -10% |
| 76050 | $962 | $80 | $2,780 | $232 | -10% |
| 76051 | $1,044 | $87 | $2,818 | $235 | -9% |
| 76052 | $1,020 | $85 | $2,820 | $235 | -9% |
| 76053 | $1,103 | $92 | $2,971 | $248 | -4% |
| 76054 | $1,033 | $86 | $2,845 | $237 | -8% |
| 76058 | $1,005 | $84 | $2,821 | $235 | -9% |
| 76059 | $986 | $82 | $2,770 | $231 | -10% |
| 76060 | $1,133 | $94 | $3,032 | $253 | -2% |
| 76063 | $1,097 | $91 | $2,955 | $246 | -4% |
| 76065 | $1,045 | $87 | $2,845 | $237 | -8% |
| 76066 | $929 | $77 | $2,771 | $231 | -10% |
| 76071 | $907 | $76 | $2,712 | $226 | -12% |
| 76073 | $998 | $83 | $2,977 | $248 | -4% |
| 76078 | $969 | $81 | $2,859 | $238 | -7% |
| 76082 | $1,022 | $85 | $2,983 | $249 | -3% |
| 76084 | $1,030 | $86 | $2,910 | $243 | -5% |
| 76085 | $898 | $75 | $2,686 | $224 | -13% |
| 76086 | $933 | $78 | $2,772 | $231 | -10% |
| 76087 | $915 | $76 | $2,765 | $230 | -11% |
| 76088 | $942 | $79 | $2,800 | $233 | -9% |
| 76092 | $1,034 | $86 | $2,816 | $235 | -9% |
| 76102 | $1,106 | $92 | $3,042 | $254 | -1% |
| 76103 | $1,161 | $97 | $3,162 | $264 | +3% |
| 76104 | $1,124 | $94 | $3,147 | $262 | +2% |
| 76105 | $1,159 | $97 | $3,214 | $268 | +4% |
| 76106 | $1,107 | $92 | $3,096 | $258 | About average |
| 76107 | $1,056 | $88 | $2,889 | $241 | -6% |
| 76108 | $967 | $81 | $2,801 | $233 | -9% |
| 76109 | $1,067 | $89 | $2,900 | $242 | -6% |
| 76110 | $1,061 | $88 | $2,999 | $250 | -3% |
| 76111 | $1,096 | $91 | $3,039 | $253 | -2% |
| 76112 | $1,148 | $96 | $3,101 | $258 | About average |
| 76114 | $1,053 | $88 | $2,955 | $246 | -4% |
| 76115 | $1,139 | $95 | $3,147 | $262 | +2% |
| 76116 | $1,039 | $87 | $2,892 | $241 | -6% |
| 76117 | $1,099 | $92 | $2,968 | $247 | -4% |
| 76118 | $1,105 | $92 | $2,956 | $246 | -4% |
| 76119 | $1,141 | $95 | $3,135 | $261 | +2% |
| 76120 | $1,159 | $97 | $3,104 | $259 | +1% |
| 76123 | $1,099 | $92 | $2,987 | $249 | -3% |
| 76126 | $1,031 | $86 | $2,874 | $240 | -7% |
| 76131 | $1,082 | $90 | $2,936 | $245 | -5% |
| 76132 | $1,049 | $87 | $2,874 | $240 | -7% |
| 76133 | $1,099 | $92 | $3,019 | $252 | -2% |
| 76134 | $1,108 | $92 | $3,057 | $255 | -1% |
| 76135 | $1,036 | $86 | $2,911 | $243 | -5% |
| 76137 | $1,088 | $91 | $2,916 | $243 | -5% |
| 76140 | $1,148 | $96 | $3,096 | $258 | About average |
| 76148 | $1,063 | $89 | $2,876 | $240 | -7% |
| 76155 | $1,120 | $93 | $3,059 | $255 | -1% |
| 76164 | $1,099 | $92 | $3,096 | $258 | About average |
| 76177 | $1,030 | $86 | $2,810 | $234 | -9% |
| 76179 | $1,052 | $88 | $2,888 | $241 | -6% |
| 76180 | $1,074 | $90 | $2,881 | $240 | -7% |
| 76182 | $1,071 | $89 | $2,874 | $240 | -7% |
| 76201 | $959 | $80 | $2,661 | $222 | -14% |
| 76205 | $1,009 | $84 | $2,729 | $227 | -12% |
| 76207 | $1,018 | $85 | $2,780 | $232 | -10% |
| 76208 | $1,027 | $86 | $2,791 | $233 | -9% |
| 76209 | $1,022 | $85 | $2,774 | $231 | -10% |
| 76210 | $1,033 | $86 | $2,775 | $231 | -10% |
| 76226 | $1,017 | $85 | $2,767 | $231 | -10% |
| 76227 | $1,054 | $88 | $2,853 | $238 | -7% |
| 76234 | $987 | $82 | $2,967 | $247 | -4% |
| 76244 | $1,039 | $87 | $2,790 | $233 | -9% |
| 76247 | $1,006 | $84 | $2,777 | $231 | -10% |
| 76248 | $1,031 | $86 | $2,769 | $231 | -10% |
| 76249 | $934 | $78 | $2,678 | $223 | -13% |
| 76258 | $1,011 | $84 | $2,794 | $233 | -9% |
| 76259 | $937 | $78 | $2,628 | $219 | -15% |
| 76262 | $1,022 | $85 | $2,743 | $229 | -11% |
| 76266 | $946 | $79 | $2,734 | $228 | -11% |
| 76426 | $922 | $77 | $2,911 | $243 | -5% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $274 a year on average in our Dallas–Fort Worth data, with the same $500 deductibles. That’s about $23 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–Fort Worth ZIP codes, their full-coverage average fell from $2,574 a year 10 months earlier to $2,559 in rates as of Sept. 30, 2026, a 0.6% drop. Auto Club (AAA) cut its Dallas–Fort Worth average 5.7% and Progressive 4.5%, while USAA raised its average 7.2% and GEICO 3.2%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Dallas–Fort Worth average above. Liability-only coverage at 30/60/25 limits fell 2.2%, led by USAA, which cut its liability-only average 13.1%.
Dallas County averages about $285 a month for full coverage in our data, the most in the metro area, and Tarrant County averages $248. The outer counties cost less: Johnson County averages $233, Hunt County $237 and Denton County $234. Where you keep your car is one of the factors Texas insurers use, so your ZIP code can move your price.
Across the 99 cities and towns we price in the metro area, full coverage runs from about $219 a month in Ponder to $294 in Balch Springs. Arlington averages $257, Plano $249 and Denton $229.
| City or Town: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Balch Springs | 1 | $1,276 | $106 | $3,527 | $294 |
| Dallas | 44 | $1,270 | $106 | $3,518 | $293 |
| Hutchins | 1 | $1,234 | $103 | $3,471 | $289 |
| Mesquite | 3 | $1,251 | $104 | $3,430 | $286 |
| Lancaster | 2 | $1,229 | $102 | $3,417 | $285 |
| Wilmer | 1 | $1,201 | $100 | $3,384 | $282 |
| Garland | 5 | $1,244 | $104 | $3,362 | $280 |
| DeSoto | 1 | $1,224 | $102 | $3,354 | $280 |
| Duncanville | 2 | $1,199 | $100 | $3,312 | $276 |
| Sunnyvale | 1 | $1,191 | $99 | $3,302 | $275 |
| Rowlett | 2 | $1,225 | $102 | $3,280 | $273 |
| Grand Prairie | 4 | $1,195 | $100 | $3,260 | $272 |
| Seagoville | 1 | $1,107 | $92 | $3,192 | $266 |
| Cedar Hill | 1 | $1,154 | $96 | $3,191 | $266 |
| Red Oak | 1 | $1,151 | $96 | $3,186 | $266 |
| Addison | 1 | $1,164 | $97 | $3,181 | $265 |
| Irving | 6 | $1,163 | $97 | $3,164 | $264 |
| Nevada | 1 | $1,130 | $94 | $3,129 | $261 |
| Lavon | 1 | $1,147 | $96 | $3,121 | $260 |
| Richardson | 3 | $1,150 | $96 | $3,117 | $260 |
| Sachse | 1 | $1,146 | $96 | $3,103 | $259 |
| Wylie | 1 | $1,133 | $94 | $3,088 | $257 |
| Arlington | 13 | $1,142 | $95 | $3,084 | $257 |
| Forney | 1 | $1,112 | $93 | $3,071 | $256 |
| Ferris | 1 | $1,101 | $92 | $3,060 | $255 |
| Palmer | 1 | $1,097 | $91 | $3,051 | $254 |
| Rockwall | 2 | $1,094 | $91 | $3,049 | $254 |
| Carrollton | 3 | $1,133 | $94 | $3,040 | $253 |
| Kennedale | 1 | $1,133 | $94 | $3,032 | $253 |
| Farmersville | 1 | $1,110 | $93 | $3,024 | $252 |
| Royse City | 1 | $1,075 | $90 | $3,011 | $251 |
| Terrell | 2 | $1,041 | $87 | $3,006 | $251 |
| Fort Worth | 31 | $1,090 | $91 | $2,999 | $250 |
| Crandall | 1 | $1,050 | $88 | $2,997 | $250 |
| Coppell | 1 | $1,121 | $93 | $2,996 | $250 |
| Plano | 7 | $1,118 | $93 | $2,983 | $249 |
| Springtown | 1 | $1,022 | $85 | $2,983 | $249 |
| Paradise | 1 | $998 | $83 | $2,977 | $248 |
| Scurry | 1 | $1,019 | $85 | $2,974 | $248 |
| The Colony | 1 | $1,127 | $94 | $2,971 | $248 |
| Haltom City | 1 | $1,099 | $92 | $2,968 | $247 |
| Decatur | 1 | $987 | $82 | $2,967 | $247 |
| Ennis | 1 | $1,064 | $89 | $2,962 | $247 |
| Mansfield | 1 | $1,097 | $91 | $2,955 | $246 |
| Kaufman | 1 | $1,019 | $85 | $2,952 | $246 |
| Quinlan | 1 | $1,006 | $84 | $2,928 | $244 |
| Waxahachie | 2 | $1,070 | $89 | $2,926 | $244 |
| Prosper | 1 | $1,094 | $91 | $2,921 | $243 |
| Euless | 2 | $1,085 | $90 | $2,920 | $243 |
| Bridgeport | 1 | $922 | $77 | $2,911 | $243 |
| Venus | 1 | $1,030 | $86 | $2,910 | $243 |
| Little Elm | 1 | $1,102 | $92 | $2,909 | $242 |
| Hurst | 2 | $1,068 | $89 | $2,908 | $242 |
| Alvarado | 1 | $1,048 | $87 | $2,903 | $242 |
| Allen | 2 | $1,086 | $91 | $2,902 | $242 |
| Princeton | 1 | $1,058 | $88 | $2,897 | $241 |
| Caddo Mills | 1 | $993 | $83 | $2,890 | $241 |
| Mabank | 2 | $968 | $81 | $2,890 | $241 |
| Lewisville | 3 | $1,086 | $91 | $2,887 | $241 |
| Anna | 1 | $1,066 | $89 | $2,880 | $240 |
| McKinney | 4 | $1,074 | $90 | $2,879 | $240 |
| Melissa | 1 | $1,066 | $89 | $2,879 | $240 |
| Celina | 1 | $1,052 | $88 | $2,878 | $240 |
| North Richland Hills | 2 | $1,072 | $89 | $2,877 | $240 |
| Frisco | 4 | $1,080 | $90 | $2,866 | $239 |
| Bedford | 2 | $1,055 | $88 | $2,860 | $238 |
| Rhome | 1 | $969 | $81 | $2,859 | $238 |
| Aubrey | 1 | $1,054 | $88 | $2,853 | $238 |
| Midlothian | 1 | $1,045 | $87 | $2,845 | $237 |
| Greenville | 2 | $983 | $82 | $2,843 | $237 |
| Lake Dallas | 1 | $1,033 | $86 | $2,834 | $236 |
| Joshua | 1 | $1,005 | $84 | $2,821 | $235 |
| Haslet | 1 | $1,020 | $85 | $2,820 | $235 |
| Grapevine | 1 | $1,044 | $87 | $2,818 | $235 |
| Southlake | 1 | $1,034 | $86 | $2,816 | $235 |
| Boyd | 1 | $904 | $75 | $2,810 | $234 |
| Colleyville | 1 | $1,038 | $87 | $2,804 | $234 |
| Pilot Point | 1 | $1,011 | $84 | $2,794 | $233 |
| Keller | 2 | $1,035 | $86 | $2,780 | $232 |
| Grandview | 1 | $962 | $80 | $2,780 | $232 |
| Godley | 1 | $970 | $81 | $2,779 | $232 |
| Justin | 1 | $1,006 | $84 | $2,777 | $231 |
| Millsap | 1 | $929 | $77 | $2,771 | $231 |
| Keene | 1 | $986 | $82 | $2,770 | $231 |
| Argyle | 1 | $1,017 | $85 | $2,767 | $231 |
| Cleburne | 2 | $975 | $81 | $2,766 | $231 |
| Crowley | 1 | $951 | $79 | $2,765 | $230 |
| Weatherford | 4 | $922 | $77 | $2,756 | $230 |
| Denton | 6 | $1,011 | $84 | $2,752 | $229 |
| Azle | 1 | $941 | $78 | $2,747 | $229 |
| Roanoke | 1 | $1,022 | $85 | $2,743 | $229 |
| Aledo | 1 | $916 | $76 | $2,742 | $229 |
| Sanger | 1 | $946 | $79 | $2,734 | $228 |
| Flower Mound | 2 | $997 | $83 | $2,732 | $228 |
| Newark | 1 | $907 | $76 | $2,712 | $226 |
| Burleson | 1 | $938 | $78 | $2,709 | $226 |
| Commerce | 1 | $875 | $73 | $2,700 | $225 |
| Krum | 1 | $934 | $78 | $2,678 | $223 |
| Ponder | 1 | $937 | $78 | $2,628 | $219 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
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 guide has ZIP code prices for the city, which averages $293 a month, and Frisco, in the northern suburbs, averages $239. Waco, about 85 miles south, averages $224.
Drivers in Dallas–Fort Worth 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 Sept. 30, 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 11 counties in the Dallas–Fort Worth metro area and 239 ZIP codes we price there, full coverage runs from about $232 a month in Parker County and Johnson County to $285 in Dallas County. The Texas average is $251. 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 | $1,240 | $103 | $3,417 | $285 |
| Rockwall County | 3 | $1,088 | $91 | $3,036 | $253 |
| Ellis County | 7 | $1,085 | $90 | $2,994 | $250 |
| Kaufman County | 7 | $1,034 | $86 | $2,988 | $249 |
| Tarrant County | 63 | $1,089 | $91 | $2,976 | $248 |
| Collin County | 27 | $1,101 | $92 | $2,961 | $247 |
| Wise County | 6 | $948 | $79 | $2,873 | $239 |
| Hunt County | 5 | $968 | $81 | $2,841 | $237 |
| Denton County | 26 | $1,034 | $86 | $2,807 | $234 |
| Johnson County | 9 | $988 | $82 | $2,800 | $233 |
| Parker County | 7 | $936 | $78 | $2,788 | $232 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Dallas–Fort Worth averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the 23 counties in this table, SUV policies cost the least on average and hybrid policies the most, about 23% more. Search the table for your county.
| County: | Sedan: | SUV: | Coupe: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Burnet | $1,332 | $1,132 | $1,260 | $1,344 | $1,420 |
| Collin | $1,346 | $1,163 | $1,295 | $1,334 | $1,400 |
| Dallas | $1,339 | $1,156 | $1,286 | $1,333 | $1,400 |
| Delta | $1,231 | $1,051 | $1,169 | $1,235 | $1,303 |
| Denton | $1,242 | $1,068 | $1,191 | $1,234 | $1,298 |
| DeWitt | $1,144 | $976 | $1,080 | $1,154 | $1,217 |
| Ellis | $1,248 | $1,072 | $1,195 | $1,241 | $1,305 |
| Erath | $1,142 | $973 | $1,080 | $1,149 | $1,212 |
| Fannin | $1,197 | $1,020 | $1,136 | $1,200 | $1,266 |
| Grayson | $1,178 | $1,004 | $1,124 | $1,173 | $1,238 |
| Henderson | $1,280 | $1,091 | $1,213 | $1,285 | $1,355 |
| Hill | $1,169 | $993 | $1,106 | $1,176 | $1,243 |
| Hunt | $1,213 | $1,036 | $1,154 | $1,215 | $1,281 |
| Johnson | $1,222 | $1,048 | $1,170 | $1,212 | $1,276 |
| Kaufman | $1,287 | $1,101 | $1,229 | $1,283 | $1,352 |
| Montague | $1,156 | $981 | $1,094 | $1,161 | $1,228 |
| Navarro | $1,177 | $1,001 | $1,114 | $1,184 | $1,250 |
| Palo Pinto | $1,160 | $985 | $1,097 | $1,166 | $1,232 |
| Parker | $1,205 | $1,030 | $1,150 | $1,203 | $1,268 |
| Rockwall | $1,362 | $1,173 | $1,306 | $1,357 | $1,426 |
| Somervell | $1,177 | $1,001 | $1,114 | $1,184 | $1,250 |
| Tarrant | $1,269 | $1,098 | $1,222 | $1,264 | $1,327 |
| Wise | $1,184 | $1,009 | $1,126 | $1,187 | $1,253 |
| Monthly Costs: | $102 | $88 | $98 | $102 | $108 |
| Average Yearly Costs: | $1,229 | $1,051 | $1,170 | $1,229 | $1,296 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in Dallas–Fort Worth averages about $257 a month ($3,086 a year) and liability-only coverage about $93 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is about the same as the Texas average of $251 a month. Without Allstate, the Dallas–Fort Worth average is about $213 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–Fort Worth rate data, at about $189 and $191 a month. USAA, which sells only to military members, veterans and their families, has a lower average still ($180 a month). GEICO’s average is next, at $224. For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $68 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.
In our data, towns on the edges of the metro area cost the least, such as Ponder at about $219 a month for full coverage. Among larger suburbs, Denton averages about $229, Lewisville $241 and McKinney $240.
In our data, 76259 has the lowest full-coverage average in Dallas–Fort Worth, at about $219 a month, and 75241 the highest, at about $328. The ZIP code table on this page lists all 239.
In our Dallas–Fort Worth data, full coverage (100/300/100 with $500 deductibles) averages about $257 a month and liability-only coverage at 30/60/25 limits about $93, a difference of about $164 a month ($1,968 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 10 months), their Dallas–Fort Worth full-coverage average fell 0.6%, from about $2,574 to $2,559 a year. That’s lower than the Dallas–Fort Worth average of $3,086 because it leaves out Allstate. Auto Club (AAA) cut its Dallas–Fort Worth average 5.7% and Progressive 4.5%, while USAA raised its average 7.2% and GEICO 3.2%. Liability-only coverage at 30/60/25 limits fell 2.2%.
For our benchmark driver, full coverage in Dallas–Fort Worth averages about $257 a month. Nearby, Dallas averages about $293, Frisco about $239 and Waco about $224. Frisco and Waco are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
