Dallas Fort-Worth, TX – Car Insurance Quotes
Car insurance is an essential aspect of vehicle ownership, providing financial protection in case of accidents, theft, or damage. If you reside in the Dallas-Fort Worth (DFW) metroplex, it’s important to understand the factors that influence car insurance costs in this region. This article aims to shed light on various factors that can affect auto insurance rates in the DFW area and how much you can expect to see on your personal auto coverage quotes. The best way to save money is to compare multiple quotes specific to the Dallas area.
Average Car Insurance Rates for Dallas – Fort Worth
The average cost for car insurance in the Dallas – Fort Worth counties for state minimum coverage is $99 per month or $1,186 yearly. If you were looking for a full coverage policy you can expect to pay around $168 a month or $2,019 a year. Auto insurance quotes will vary depending on several factors, including your age, driving history, type of vehicle, coverage limits and other factors.
Here is a breakdown of policy rates from our 2023 updated insurance costs database for Dallas, Fort-Worth, Plano, Irving, Arlington and Grapevine broken down by car type:
| Dallas Fort Worth 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 |
Which Provider Has the Cheapest Auto Insurance in Dallas?
The cheapest car insurance providers in Dallas is USAA, AAA, and Progressive for the average middle-aged, single person, who drives a used 4 door car with a clean driving record.
Here is a breakdown from our cost database for yearly state minimum coverage and full coverage by insurance provider for a used vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA | $568 | $1,910 |
| Texas Farm Bureau | $638 | $2,025 |
| AAA | $763 | $2,284 |
| Progressive | $782 | $2,472 |
| GEICO | $908 | $2,424 |
| State Farm | $942 | $2,610 |
| All State | $1,292 | $2,750 |
TX Insurance Rates for Brand New Vehicles
The average cost for auto insurance for a newer 2022 – 2023 vehicle on average will cost $738 for state minimum coverage and $2,656 for a full coverage policy. Below you’ll find a breakdown insurance providers for both coverage types on a new vehicle:
| 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 |
Car Insurance Costs by Age in TX
Age is a significant factor that affects Beaumont area auto insurance rates. Generally, younger and older drivers tend to pay higher premiums compared to drivers in the middle age group. Here’s how age can influence car insurance costs:
- Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
- Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
- Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.
Here is a comparison of the amounts you can expect to pay based on age in Texas – as you can see young drivers will pay much more on premiums until there is a significant drop in costs at age 29. Your auto policy continues to get cheaper until age 65 when it slowly starts increasing as you age.
| 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 |
Minimum Auto Insurance Requirements for DFW
Drivers in the Dallas-Fort Worth area must carry a minimum level of liability insurance which is often referred to as a 30/60/25 coverage policy:
- $30,000 for bodily injury per person
- $60,000 for bodily injury per accident
- $25,000 for property damage per accident. This is often referred to as 30/60/25 coverage.
What Type of Car Insurance Do I Need?
When reviewing car insurance types it’s important to make sure you select the correct coverage and policy type for your needs. Here are the different insurance options for Dallas drivers to choose from:
- Liability Coverage: Liability insurance covers damages to others if you are responsible for an accident. While the minimum coverage meets the legal requirements, it’s generally recommended to opt for higher coverage limits to protect your assets in case of a severe accident.
- Comprehensive and Collision Coverage: These optional coverages provide protection for damages to your vehicle. Comprehensive coverage protects against non-accident-related incidents such as theft, vandalism, and natural disasters, while collision coverage covers damages resulting from accidents.
- Personal Injury Protection (PIP): PIP covers medical expenses and lost wages for you and your passengers, regardless of who is at fault in an accident. Texas does not require PIP coverage, but it can be beneficial, especially if you don’t have health insurance.
- Uninsured/Underinsured Motorist Coverage: This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or has inadequate coverage. It helps cover your medical expenses and property damage.
Why is Dallas Car Insurance Expensive?
- High Population Density and Traffic Congestion: As one of the fastest-growing metropolitan areas in the United States, the DFW region experiences high population density and traffic congestion. The increased number of vehicles on the road increases the likelihood of accidents, leading to higher insurance rates.
- Urban Environment and Theft Rates: Dallas and Fort Worth are major urban centers with their fair share of vehicle theft and vandalism. Insurance companies consider the local crime rates when determining premiums. Living in certain neighborhoods within the DFW area may result in higher insurance costs due to an increased risk of theft.
- Weather-Related Risks: Texas is known for its unpredictable weather patterns, including hailstorms and occasional severe weather events. These weather-related risks can cause extensive damage to vehicles, leading to higher insurance premiums to offset potential claims.
- Driving Record: Your driving history plays a significant role in determining car insurance rates. If you have a clean driving record with no accidents or traffic violations, you are likely to receive lower insurance premiums. On the other hand, a history of accidents or tickets may result in higher rates.
- Vehicle Type and Value: The type of vehicle you drive affects your insurance costs. Generally, luxury cars, sports cars, and vehicles with high-performance features are more expensive to insure. Additionally, the value of your vehicle also impacts insurance rates since replacing or repairing a high-value vehicle would be more costly for the insurance company.
- Coverage Options and Deductibles: The coverage options and deductibles you choose for your car insurance policy also affect the cost. Opting for higher coverage limits or additional coverage, such as comprehensive or collision coverage, will result in higher premiums. Similarly, selecting a lower deductible means higher upfront costs but potentially lower out-of-pocket expenses in case of a claim.
- Insurance Provider and Discounts: Different insurance companies may offer varying rates for the same coverage. It’s essential to compare quotes from multiple providers to find the best rates. Additionally, insurers often offer discounts based on factors such as bundling policies, maintaining a good driving record, completing defensive driving courses, or having safety features in your vehicle.
