Dallas–Fort Worth, TX Car Insurance Quotes & Rates (2026)

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For a 40-year-old driver with a clean record, Dallas–Fort Worth car insurance averages about $214 a month ($2,562 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Texas average of $209 a month. State Farm and Auto Club (AAA) are effectively tied for the lowest full-coverage average of the insurers we price that are open to all drivers, at about $190 and $191 a month.

Across the 11-county Dallas–Fort Worth metro area, full coverage for our benchmark driver averages about $214 a month, close to the Texas average. Dallas itself averages $238, and Fort Worth $210.

We price 239 ZIP codes in the metro area, from about $188 a month in 76033 and 76259 to $260 in 75217.

_{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 Aug. 31, 2026. Page reviewed Sept. 30, 2026.

How Much Is Car Insurance in Dallas–Fort Worth, TX?

Full coverage in Dallas–Fort Worth averages $2,562 a year, or about $214 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $882 a year ($74 a month), and 50/100/50 liability with comprehensive and collision averages $2,350 ($196 a month).

• Full coverage (100/300/100, $500 deductibles): $2,562 a year ($214 a month)
• 50/100/50 with $500 deductibles: $2,350 a year ($196 a month)
• Liability only (30/60/25): $882 a year ($74 a month)
• Dallas County: $2,803 a year ($234 a month) for full coverage
• Texas average: $2,513 a year ($209 a month) for full coverage
• ZIP code range: $188 (76033 and 76259) to $260 (75217) a month for full coverage

Cheap Car Insurance in Dallas–Fort Worth: Companies Compared

• Lowest averages open to all drivers, full coverage: State Farm and Auto Club (AAA), effectively tied at about $190 and $191 a month.
• Next lowest: GEICO at $224.
• Military families: USAA averages about $174 a month, but only for eligible members.
• Lowest liability-only average open to all drivers (30/60/25): State Farm, at about $68 a month, then GEICO at $75. USAA, which sells only to military families, is lower still, at about $49 a month.
• Also on our list: Texas Farm Bureau at about $120 a month, Allstate at $381 and Farmers at $396.
• Most expensive in our data: Progressive, at about $288 a month, $1,182 a year more than State Farm for the same driver and car.

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 open to all drivers. USAA, which sells only to military members, veterans and their families, has a lower average still ($174 a month), but we don’t rank it. Texas Farm Bureau, Allstate and Farmers are priced from published rate studies, scaled to our benchmark driver, so they’re marked with an asterisk in the table. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among the insurers we price that are open to all drivers, at about $68 a month, with GEICO close behind at $75. USAA, which sells only to military families, is lower still, at about $49 a month.

This table uses ZIP codes in the 11-county Dallas–Fort Worth metro area only. See how we calculated these rates.

Dallas–Fort Worth Car Insurance Rates by ZIP Code

Across the 239 Dallas–Fort Worth ZIP codes we price, full coverage for our driver ranges from about $188 a month in 76033 and 76259 to $260 in 75217, a gap of $861 a year. The least expensive ZIP codes in our data are on the metro area’s edges, such as 76033 in Cleburne and 76259 in Ponder, and the most expensive are in southern Dallas.

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.

See What You’d Pay in Dallas–Fort Worth

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How Much More Does Better Coverage Cost in Dallas–Fort Worth?

Raising liability limits from 50/100/50 to 100/300/100 adds about $212 a year on average in our Dallas–Fort Worth data, with the same $500 deductibles. That’s about $18 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.

Is Car Insurance Going Up in Dallas–Fort Worth?

Not for our benchmark driver. Comparing the same insurers in the same Dallas–Fort Worth ZIP codes, full coverage averaged $2,574 a year in rates as of Nov. 30, 2025, and $2,562 as of Aug. 31, 2026, a 0.5% drop. Auto Club (AAA) cut its Dallas–Fort Worth average 5.7% and Progressive 2.0%, while USAA raised its average 3.4% and GEICO 3.2%; State Farm’s average was about unchanged. Liability-only coverage at 30/60/25 limits fell 2.3%, led by USAA, which cut its liability-only average 15.8%.

Where Car Insurance Costs Most in Dallas–Fort Worth

Dallas County averages about $234 a month for full coverage in our data, the most in the metro area, and Tarrant County averages $208. The outer counties cost less: Johnson County averages $192, Hunt County $195 and Denton County $196. Where you keep your car is one of the factors Texas insurers use, so your ZIP code can move your price.

Dallas–Fort Worth Car Insurance Rates by City

Across the 99 cities and towns we price in the metro area, full coverage runs from about $188 a month in Cleburne and Ponder to $241 in Hutchins. Arlington averages $216, Plano $208 and Denton $192.

How Dallas–Fort Worth Car Insurance Compares With Other Texas Cities

Our Dallas guide has ZIP code prices for the city, which averages $238 a month, and Frisco, in the northern suburbs, averages $199. Waco, about 85 miles south, averages $182.

What Car Insurance Is Required in Dallas–Fort Worth?

Drivers in Dallas–Fort Worth follow Texas’ rules. Every policy must include at least:

• Bodily injury liability of $30,000 per person and $60,000 per crash
• Property damage liability of $25,000 per crash

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.

How to Lower Your Car Insurance Rate in Dallas–Fort Worth

1. Compare State Farm and Auto Club (AAA) first. They have the two lowest full-coverage averages open to all drivers in our Dallas–Fort Worth data, about $190 and $191 a month.
2. Quote several insurers. In our Dallas–Fort Worth data, the lowest and highest averages among insurers open to all drivers are about $98 a month apart for the same driver and car.
3. Keep comprehensive if you park outside. Comprehensive is the coverage that pays for hail damage and flood damage to your car, so raising your deductible is a safer way to save than dropping it.
4. Compare at every renewal. Since November 2025, Auto Club (AAA) has cut its Dallas–Fort Worth average 5.7% and Progressive 2.0%, while USAA has raised its average 3.4% and GEICO 3.2%, so the order in our table can shift.
5. Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Fort Worth home insurance rates before you shop.

Compare Dallas–Fort Worth Car Insurance Quotes

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How We Calculated Dallas–Fort Worth Car Insurance Rates

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.

• Sample: 1,195 full-coverage premiums from five insurers across 239 ZIP codes across the 11 counties of the Dallas–Fort Worth metro area, plus the same number of liability-only and 50/100/50 premiums.
• Area: this page covers the 11 counties of the Dallas–Fort Worth–Arlington metro area: Collin, Dallas, Denton, Ellis, Hunt, Johnson, Kaufman, Parker, Rockwall, Tarrant and Wise.
• Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
• Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Texas’ 30/60/25 minimum, with 30/60 uninsured and underinsured motorist coverage and no comprehensive or collision. The rate data doesn’t list a personal injury protection amount, so we don’t state one for these prices.
• Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price, including USAA. Monthly figures are annual premiums divided by 12 and rounded.
• Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. USAA sells only to the military community, so it’s shown but not ranked. Annual prices within 3% of each other are called effectively tied.
• Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
• Insurers marked *: Texas Farm Bureau, Allstate and Farmers, priced from published 2026 Texas rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
• What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.

Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.

Dallas–Fort Worth Car Insurance Rates by County

Across the 11 counties in the Dallas–Fort Worth metro area and 239 ZIP codes we price there, full coverage runs from about $192 a month in Johnson County to $234 in Dallas County. The Texas average is $209. These figures use the same rate data and benchmark driver as the rest of this page.

More Dallas–Fort Worth Car Insurance Breakdowns

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.

Dallas–Fort Worth Car Insurance Costs by County and Vehicle Type

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.

New Car Insurance Rates in Texas

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.

Car Insurance Costs by Age in Texas

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.

Dallas–Fort Worth Car Insurance FAQ