Dallas Car Insurance Rates – 2025 Averages + Cheapest to Insure

How much does Dallas car insurance cost? We break down average insurance rates and reveal the models with the cheapest auto insurance in Dallas, TX.

Start a Free QuoteCompare Dallas car insurance quotes and save on your next policy.

  • Dallas car insurance cost averages $2,520 per year for full coverage, or around $210 on a monthly basis.
  • For cheap car insurance in Dallas, SUV models like the Chevrolet Trailblazer, Hyundai Venue, and Subaru Crosstrek have better auto insurance rates.
  • A few vehicles with the lowest cost auto insurance in Dallas in their segment include the Chevrolet Colorado ($2,218 per year), Nissan Titan ($2,358 per year), Acura Integra ($2,240 per year), and Jaguar E-Pace ($2,356 per year).
  • Auto insurance quotes in Dallas have significant variability from as low as $34 per month for just liability insurance to well over $669 per month for teenage drivers and high-risk drivers.

How much does car insurance cost in Dallas?

Average car insurance rates in Dallas cost $2,520 per year, or approximately $210 per month. When compared to the overall national average rate, Dallas car insurance cost is 12.6% more expensive per year.

In the state of Texas, the average car insurance expense is $2,350 per year, so the average cost in Dallas is $170 more per year. When compared to other cities in Texas, the average cost of insurance in Dallas is about $228 per year more expensive than in Fort Worth, $172 per year more than in San Antonio, and $8 per year more than in Houston.

The next chart shows a summary of auto insurance rates in Dallas for 2024 model year vehicles, averaged based on a number of different driver ages, physical damage deductibles, and driver risk profiles.

Average car insurance rates in Dallas for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Dallas for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Dallas includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Dallas, TX
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,798$483
Safe Driver Age 20$5,070$423
At-fault Accidents Age 40$3,568$297
Low Deductibles Age 40$3,296$275
Safe Driver Age 30$2,688$224
Safe Driver Age 40$2,520$210
Safe Driver Age 50$2,234$186
High Deductibles Age 40$2,118$177
Safe Driver Age 60$2,094$175
Discount Rate Age 40$2,094$175

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

The average cost of car insurance per month in Dallas is $210, with policy premium ranging from $175 to $483 for drivers age 20 to 60 and the risk profiles included in the previous chart.

Car insurance rates can have significant differences in cost and can change frequently. This large rate variability emphasizes the need for multiple auto insurance quotes when searching online for more affordable car insurance in Dallas, TX.

The age of the rated driver has a big impact on the price you pay for auto insurance, so the list below illustrates this point by breaking down average car insurance rates in Dallas for driver ages from 16 to 60.

Average cost of car insurance in Dallas, TX, for drivers age 16 to 60

  • 16-year-old driver – $8,976 per year or $748 per month
  • 17-year-old driver – $8,697 per year or $725 per month
  • 18-year-old driver – $7,792 per year or $649 per month
  • 19-year-old driver – $7,097 per year or $591 per month
  • 20-year-old driver – $5,070 per year or $423 per month
  • 30-year-old driver – $2,688 per year or $224 per month
  • 40-year-old driver – $2,520 per year or $210 per month
  • 50-year-old driver – $2,234 per year or $186 per month
  • 60-year-old driver – $2,094 per year or $175 per month

The rates shown above for teenage drivers were based on a male driver. The next chart gets more specific and separates car insurance cost for teens by gender. Females are generally slightly cheaper to insure than males, notably at younger ages.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Dallas includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Dallas, TX for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$8,976$8,387
17-Year-Old$8,697$8,336
18-Year-Old$7,792$7,192
19-Year-Old$7,097$6,001

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 26, 2025

Car insurance for a 16-year-old female in Dallas costs an average of $589 less per year than the cost to insure a 16-year-old male driver, while at age 19, it’s still $1,096 cheaper per year for females than males.

The vehicle models that have high popularity in Dallas tend to be compact and midsize cars like the Volkswagen Jetta, Hyundai Elantra, and Toyota Camry and small or midsize SUVs like the Honda CR-V, Ford Escape, and Jeep Grand Cherokee.

Other popular models from other segments include luxury models like the BMW 530i and Infiniti QX60, pickup trucks like the Toyota Tacoma and Chevy Silverado, and sports cars like the Nissan GT-R and Chevy Corvette.

We get into different rates in much more detail in a little bit, but before we get into that, let’s quickly revisit some of the general concepts that we covered up to this point.

  • Dallas, TX, car insurance costs more than the U.S. average – $2,520 (Dallas average) versus $2,221 (U.S. average)
  • Dallas auto insurance prices are more expensive than the Texas state average – $2,520 (Dallas average) compared to $2,350 (Texas average)
  • Car insurance for teens gets very expensive – Cost ranges from $6,001 to $8,976 per year to insure a teenage driver in Dallas, TX.
  • Car insurance costs less as you age – Auto insurance rates for a 40-year-old driver in Dallas are $2,550 per year cheaper than for a 20-year-old driver.
  • Car insurance with low deductibles costs more – A 40-year-old driver pays an average of $820 more per year for $250 physical damage deductibles versus $1,000.

Which vehicles have cheap insurance in Dallas?

When all makes and models are compared, the models with the most affordable insurance rates in Dallas tend to be crossover SUVs like the Subaru Crosstrek, Kia Soul, Hyundai Venue, and Toyota Corolla Cross.

Average auto insurance prices for those models cost $2,192 or less per year ($183 per month) for a full coverage policy.

Other vehicles that rank towards the top in the cost comparison table are the Kia Niro, Subaru Outback, Buick Encore, and Volkswagen Tiguan. Average rates are marginally higher for those models than the crossovers and small SUVs at the top of the list, but they still have an average cost of $2,351 or less per year in Dallas.

The next table details the top 30 cheapest vehicles to insure in Dallas, sorted by annual and monthly insurance cost.

Cheapest Auto Insurance Rates in Dallas
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,862$155
2Chevrolet Trailblazer$1,894$158
3Kia Soul$1,968$164
4Nissan Kicks$1,982$165
5Honda Passport$2,006$167
6Buick Envision$2,020$168
7Toyota Corolla Cross$2,028$169
8Hyundai Venue$2,048$171
9Mazda CX-5$2,056$171
10Ford Bronco Sport$2,064$172
11Volkswagen Tiguan$2,086$174
12Acura RDX$2,108$176
13Nissan Murano$2,116$176
14Buick Encore$2,140$178
15Subaru Outback$2,148$179
16Honda CR-V$2,150$179
17Buick Envista$2,154$180
18Volkswagen Taos$2,158$180
19Kia Niro$2,170$181
20Toyota GR Corolla$2,190$183
21Subaru Ascent$2,192$183
22Honda HR-V$2,194$183
23Nissan Leaf$2,208$184
24Chevrolet Colorado$2,218$185
25Lexus NX 250$2,230$186
26Honda Civic$2,232$186
27Volkswagen Atlas$2,236$186
28Acura Integra$2,240$187
29Subaru Forester$2,244$187
30Volkswagen Atlas Cross Sport$2,246$187

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dallas, TX Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Dallas, TX with the Subaru Crosstrek ranking first at $1,862 per year
Top 30 cheapest vehicles to insure in Dallas, TX with the Subaru Crosstrek ranking first at $1,862 per year

A table of 30 vehicles with the cheapest insurance in Dallas serves the purpose if you just want the absolute lowest rates. Due to the fact that we track over 700 vehicles, a lot of models get left out. Let’s take a different approach and reorganize the models with the cheapest rates in Dallas in a format that makes more sense.

The section below discusses the average cost of car insurance in Dallas for each different automotive segment. The average rates shown should give a better understanding of the types of vehicles that have the least expensive rates. Then the subsequent sections will break out the specific models that have the cheapest insurance rates in each unique segment.

Dallas auto insurance rates by automotive segment

If you’re car shopping, it’s useful to have an idea of which styles of vehicles have cheaper insurance rates.

As an example, many people wonder if midsize cars have cheaper insurance than full-size cars or if midsize pickups have more affordable insurance than full-size pickups.

The next chart shows the average cost of car insurance rates in Dallas for different vehicle segments. From a segment comparison perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the cheapest average rates, with luxury, performance, and sports cars having the most expensive overall car insurance rates.

Car insurance average cost by automotive segment in Dallas, TX.
Figure 3: Car insurance average cost by automotive segment in Dallas, TX. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Dallas Zip Codes.

Car Insurance Rates by Automotive Segment in Dallas, TX
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,316$193
Midsize SUV$2,488$207
Minivan$2,492$208
Compact Car$2,492$208
Midsize Pickup$2,544$212
Midsize Car$2,570$214
Compact Luxury SUV$2,732$228
Compact Luxury Car$2,772$231
Large SUV$2,782$232
Half-ton Pickup$2,794$233
Heavy Duty Pickup$2,898$242
Midsize Luxury SUV$2,992$249
Midsize Luxury Car$3,090$258
Sports Car$3,464$289
Large Car$3,626$302
Large Luxury SUV$3,900$325
Large Luxury Car$4,032$336

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Dallas, TX Zip Codes. Updated June 26, 2025

Rates by segment are close enough for making an overall comparison, but insurance rates for specific models range substantially within each vehicle segment shown in the above chart.

For example, in the midsize SUV segment, average Dallas insurance rates range from the Honda Passport costing $2,006 per year to the Rivian R1S costing $3,098 per year, a difference of $1,092 within that segment.

As another example, in the large truck segment, average rates range from the Nissan Titan costing $2,358 per year to the Toyota Tundra at $3,000 per year.

In the sections going forward, we eliminate much of the variability by looking at the cost of car insurance in Dallas for specific cars, trucks, and SUVs.

Cheapest car insurance rates in Dallas

The Toyota GR Corolla ranks #1 as the most affordable car to insure in Dallas, followed closely by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model averages $2,190 per year to insure with full coverage.

Additional cars that rank well in our comparison include the Kia K5, Toyota Prius, Toyota Corolla, and Honda Accord, with an average cost to insure of $2,454 per year or less.

As a cost per month, car insurance rates on this segment in Dallas for an average middle-age driver starts at around $183 per month, depending on your location.

If prices are ranked by vehicle size, the most budget-friendly non-luxury compact car to insure in Dallas is the Toyota GR Corolla at $2,190 per year. For midsize cars, the Kia K5 has the cheapest rates at $2,428 per year. And for full-size cars, the Chrysler 300 has the best rates at $2,400 per year.

The next table ranks the twenty cars with the most affordable car insurance in Dallas, starting with the Toyota GR Corolla at $183 per month and ending with the Mazda 3 at $217 per month.

Cheapest Insurance for Cars in Dallas, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,190$183
Nissan LeafCompact$2,208$184
Honda CivicCompact$2,232$186
Nissan SentraCompact$2,308$192
Subaru ImprezaCompact$2,316$193
Toyota PriusCompact$2,356$196
Kia K5Midsize$2,428$202
Honda AccordMidsize$2,434$203
Chevrolet MalibuMidsize$2,444$204
Toyota CorollaCompact$2,454$205
Kia ForteCompact$2,458$205
Volkswagen ArteonMidsize$2,478$207
Nissan VersaCompact$2,486$207
Subaru LegacyMidsize$2,488$207
Hyundai Ioniq 6Midsize$2,508$209
Mitsubishi Mirage G4Compact$2,546$212
Volkswagen JettaCompact$2,548$212
Toyota CrownMidsize$2,552$213
Hyundai SonataMidsize$2,556$213
Mazda 3Compact$2,606$217

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dallas, TX Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Dallas, TX, with the Toyota GR Corolla ranking first at $2,190 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Dallas, TX, with the Toyota GR Corolla ranking first at $2,190 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Dallas car insurance quotes from top-rated companies in Texas.

Cheapest SUV insurance rates in Dallas, Texas

The Subaru Crosstrek takes the #1 ranking as the cheapest SUV to insure in Dallas, followed by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model averages $1,862 per year for full-coverage auto insurance.

Additional models that have affordable insurance rates are the Mazda CX-5, Ford Bronco Sport, Hyundai Venue, and Toyota Corolla Cross, with average insurance cost of $2,064 per year or less.

As a cost per month, auto insurance rates on this segment in Dallas for an average middle-age driver starts at an average of $155 per month, depending on your location. The next table ranks the SUVs with the lowest-cost car insurance in Dallas, starting with the Subaru Crosstrek at $1,862 per year and ending with the Subaru Ascent at $2,192 per year.

Cheapest Insurance for SUVs in Dallas, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,862$155
Chevrolet TrailblazerCompact$1,894$158
Kia SoulCompact$1,968$164
Nissan KicksCompact$1,982$165
Honda PassportMidsize$2,006$167
Buick EnvisionCompact$2,020$168
Toyota Corolla CrossCompact$2,028$169
Hyundai VenueCompact$2,048$171
Mazda CX-5Compact$2,056$171
Ford Bronco SportCompact$2,064$172
Volkswagen TiguanCompact$2,086$174
Nissan MuranoMidsize$2,116$176
Buick EncoreCompact$2,140$178
Subaru OutbackMidsize$2,148$179
Honda CR-VCompact$2,150$179
Buick EnvistaMidsize$2,154$180
Volkswagen TaosCompact$2,158$180
Kia NiroCompact$2,170$181
Subaru AscentMidsize$2,192$183
Honda HR-VCompact$2,194$183

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dallas, TX Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Dallas, TX, with the Subaru Crosstrek ranking first at $1,862 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Dallas, TX, with the Subaru Crosstrek ranking first at $1,862 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Don’t see your SUV in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Dallas car insurance quotes from the best auto insurance companies in Texas.

Cheapest pickup insurance rates in Dallas

Ranking at the top for the lowest-cost Dallas auto insurance rates in the pickup truck segment are the Nissan Frontier, Ford Maverick, Nissan Titan, Chevrolet Colorado, and Ford Ranger. Rates for these models average $2,446 or less per year, or around $204 per month.

Also ranking in the top 10 are pickups like the Toyota Tacoma, GMC Sierra 2500 HD, GMC Canyon, and Hyundai Santa Cruz, with an average cost to insure of $2,592 per year or less.

Auto insurance rates for this segment in Dallas for a safe driver starts at an average of $185 per month, depending on the company. The next table ranks the pickups with the most affordable auto insurance rates in Dallas, starting with the Chevrolet Colorado at $185 per month and ending with the Ram Truck at $243 per month.

Cheapest Insurance for Pickups in Dallas, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,218$185
Nissan TitanFull-size$2,358$197
Nissan FrontierMidsize$2,384$199
Ford RangerMidsize$2,408$201
Ford MaverickMidsize$2,446$204
Honda RidgelineMidsize$2,500$208
Hyundai Santa CruzMidsize$2,542$212
Toyota TacomaMidsize$2,550$213
GMC Sierra 2500 HDHeavy Duty$2,566$214
GMC CanyonMidsize$2,592$216
Jeep GladiatorMidsize$2,652$221
GMC Sierra 3500Heavy Duty$2,672$223
Chevrolet Silverado HD 3500Heavy Duty$2,692$224
Chevrolet Silverado HD 2500Heavy Duty$2,768$231
GMC SierraFull-size$2,784$232
Chevrolet SilveradoFull-size$2,786$232
Nissan Titan XDHeavy Duty$2,788$232
Ford F150Full-size$2,820$235
GMC Hummer EV PickupFull-size$2,892$241
Ram TruckFull-size$2,914$243

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dallas, TX Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Dallas, TX, with the Chevrolet Colorado ranking first at $2,218 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Dallas, TX, with the Chevrolet Colorado ranking first at $2,218 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Is your pickup truck missing from the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Dallas car insurance quotes from top-rated auto insurance companies in Texas.

Cheapest luxury car insurance rates in Dallas, TX

The four highest ranking luxury cars with the most affordable average auto insurance rates in Dallas are the Acura Integra at $2,240 per year, BMW 330i at $2,566 per year, Mercedes-Benz CLA250 at $2,592 per year, and Lexus IS 300 at $2,598 per year.

Additional luxury cars that are affordable to insure include the Lexus RC 300, Genesis G70, Cadillac CT4, and Lexus ES 350, with an average car insurance cost of $2,648 per year or less.

Additional luxury cars that rank well include the Lexus ES 300h, Lexus IS 350, Lexus RC 350, BMW 228i, and Audi S3, which cost between $2,648 and $2,826 per year to insure in Dallas.

Car insurance in this segment for a safe driver will start around $187 per month, depending on your company and location.

If insurance rates are ranked by vehicle size, the most budget-friendly small luxury car to insure in Dallas is the Acura Integra at $2,240 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,592 per year. And for full-size luxury cars, the Audi A5 is most affordable to insure at $2,992 per year.

The comparison table below ranks the twenty luxury cars with the most affordable car insurance in Dallas, starting with the Acura Integra at $2,240 per year and ending with the Audi S3 at $2,826 per year.

Cheapest Insurance for Luxury Cars in Dallas, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,240$187
BMW 330iCompact$2,566$214
Mercedes-Benz CLA250Midsize$2,592$216
Lexus IS 300Midsize$2,598$217
Acura TLXCompact$2,608$217
Cadillac CT4Compact$2,632$219
Lexus ES 350Midsize$2,632$219
Genesis G70Compact$2,638$220
Mercedes-Benz AMG CLA35Midsize$2,642$220
Lexus RC 300Midsize$2,648$221
Lexus IS 350Compact$2,660$222
Jaguar XFMidsize$2,666$222
Cadillac CT5Midsize$2,716$226
Lexus ES 250Midsize$2,728$227
Lexus RC 350Compact$2,736$228
BMW 330eCompact$2,738$228
BMW 228iCompact$2,740$228
BMW 230iCompact$2,762$230
Lexus ES 300hMidsize$2,766$231
Audi S3Compact$2,826$236

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dallas, TX Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Dallas, TX, with the Acura Integra ranking first at $2,240 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Dallas, TX, with the Acura Integra ranking first at $2,240 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see your luxury car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Dallas car insurance quotes from top auto insurance companies in Texas.

Cheapest luxury SUVs to insure in Dallas

The top three luxury SUV models with the lowest-cost insurance in Dallas are the Acura RDX at $2,108 per year, the Lexus NX 250 at $2,230 per year, and the Cadillac XT4 at $2,276 per year.

Some other luxury SUVs that have affordable average insurance rates include the Lexus NX 350h, Mercedes-Benz GLB 250, Lincoln Corsair, and Lexus NX 450h, with average insurance cost of $2,430 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Infiniti QX60, Cadillac XT6, Lexus RX 350, Mercedes-Benz GLA35 AMG, and Land Rover Evoque average between $2,430 and $2,530 per year for full-coverage insurance.

On a monthly basis, full-coverage insurance in this segment for an average middle-age driver starts at an average of $176 per month, depending on your location.

If prices are ranked by vehicle size, the cheapest compact luxury SUV to insure in Dallas is the Acura RDX at $2,108 per year, or $176 per month. For midsize luxury SUV models, the Jaguar E-Pace is the cheapest model to insure at $2,356 per year, or $196 per month. And for full-size luxury SUVs, the Infiniti QX80 is most affordable to insure at $2,826 per year, or $236 per month.

The rate comparison table below ranks the twenty luxury SUVs with the lowest-cost insurance rates in Dallas, starting with the Acura RDX at $2,108 per year and ending with the Lexus RX 350 at $2,530 per year.

Cheapest Insurance for Luxury SUVs in Dallas, TX
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,108$176
Lexus NX 250Compact$2,230$186
Cadillac XT4Compact$2,276$190
Jaguar E-PaceMidsize$2,356$196
Cadillac XT5Midsize$2,378$198
Lexus NX 350hCompact$2,378$198
Lincoln CorsairCompact$2,408$201
Mercedes-Benz GLB 250Compact$2,412$201
Lexus UX 250hCompact$2,416$201
Lexus NX 450hCompact$2,430$203
Infiniti QX50Midsize$2,450$204
Mercedes-Benz GLA250Compact$2,456$205
Cadillac XT6Midsize$2,466$206
Mercedes-Benz GLA35 AMGCompact$2,466$206
Infiniti QX60Midsize$2,480$207
Mercedes-Benz AMG GLB35Midsize$2,482$207
Land Rover EvoqueCompact$2,516$210
Acura MDXMidsize$2,518$210
Lexus NX 350Compact$2,526$211
Lexus RX 350Midsize$2,530$211

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dallas, TX Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Dallas, TX, with the Acura RDX ranking first at $2,108 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Dallas, TX, with the Acura RDX ranking first at $2,108 per year.

For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.

Don’t see rates for your luxury SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Texas.

Cheapest sports car insurance rates in Dallas

The top five models for the lowest-cost Dallas car insurance rates in the performance and sports car segment are the Toyota GR86, Subaru WRX, Ford Mustang, Mazda MX-5 Miata, and BMW Z4. Car insurance rates for these vehicles average $2,826 or less per year.

Rounding out the top 10 are cars like the Nissan Z, Toyota GR Supra, BMW M2, and Lexus RC F, with an average car insurance cost of $3,016 per year or less.

Ranked in the lower half of the top 20, models like the BMW M3, BMW M4, Jaguar F-Type, Mercedes-Benz AMG GT53, and Porsche 911 average between $3,016 and $4,268 per year for auto insurance in Dallas.

Full-coverage auto insurance in Dallas for this segment for a middle-age safe driver will start around $194 per month, depending on your location.

The table below ranks the sports cars with the cheapest average insurance rates in Dallas, starting with the Mazda MX-5 Miata at $2,332 per year ($194 per month) and ending with the Porsche Taycan at $4,268 per year ($356 per month).

Cheapest Insurance for Sports Cars in Dallas, TX
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,332$194
Toyota GR86Sports Car$2,656$221
Ford MustangSports Car$2,768$231
BMW Z4Sports Car$2,784$232
Subaru WRXSports Car$2,826$236
Toyota GR SupraSports Car$2,830$236
BMW M2Sports Car$2,912$243
Nissan ZSports Car$2,920$243
Lexus RC FSports Car$2,978$248
Subaru BRZSports Car$3,016$251
BMW M3Sports Car$3,182$265
Porsche 718Sports Car$3,244$270
Chevrolet CamaroSports Car$3,276$273
Chevrolet CorvetteSports Car$3,488$291
Porsche 911Sports Car$3,612$301
BMW M4Sports Car$3,764$314
Lexus LC 500Sports Car$3,782$315
Jaguar F-TypeSports Car$3,978$332
Mercedes-Benz AMG GT53Sports Car$4,172$348
Porsche TaycanSports Car$4,268$356

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Dallas, TX Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in Dallas, TX, with the Mazda MX-5 Miata ranking first at $2,332 per year.
Ranking of the cheapest sports cars to insure in Dallas, TX, with the Mazda MX-5 Miata ranking first at $2,332 per year.

Don’t see your sports car in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Texas.

Best practices for saving money on auto insurance

Drivers should always be looking to pay less for car insurance, so take a minute or two to look through the tips in this next list and maybe you’ll find a way to save a few bucks on your next policy.

  • Shop around. Taking the time to get a few free car insurance quotes is the best way to save money. Companies make rate modifications frequently and you do not even have to wait until your policy renewal date to switch.
  • Credit score can influence insurance rates. Drivers who have credit scores over 800 may save $396 per year versus a rating of 670-739. Conversely, an imperfect credit score below 579 could cost around $459 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Be a careful driver and save. At-fault accidents increase insurance cost, as much as $3,598 per year for a 20-year-old driver and as much as $616 per year for a 60-year-old driver. So be safe and save.
  • Avoid filing small claims. Most insurance companies give a discounted rate if you have no claims. Insurance is intended to be used to protect you from larger claims, not for insignificant claims.
  • Higher deductibles mean lower cost. Increasing deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Your occupation could save you a few bucks. Most auto insurance providers offer discounts for working in professions like engineers, doctors, nurses, lawyers, accountants, college professors, and others. If you qualify for this occupational discount, you could save between $76 and $245 on your car insurance bill, depending on the policy coverages.
  • Compare insurance cost before buying a car. Different cars, and even different trim levels of the same car, can have significantly different car insurance premiums, and insurers can price policies with a wide range of prices. Get quotes to see the cost of insurance before you buy to prevent insurance sticker shock when insuring your new car.