Dallas Car Insurance Rates – 2023 Averages + Cheapest to Insure

• Dallas car insurance cost averages $1,810 per year for full coverage, or around $151 on a monthly basis.
• For cheap car insurance in Dallas, SUV models like the Subaru Crosstrek, Buick Envision, and Chevrolet Trailblazer have better auto insurance rates.
• A few vehicles with the lowest cost auto insurance in Dallas in their segment include the Ford Maverick ($1,500 per year), Nissan Titan ($1,788 per year), Acura Integra ($1,624 per year), and Lexus RX 350 ($1,618 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 $1,810 per year, or approximately $151 per month. When compared to the overall national average rate, Dallas car insurance cost is 7.2% more expensive per year.

In the state of Texas, the average car insurance expense is $1,638 per year, so the average cost in Dallas is $172 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, $174 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 2023 model year vehicles, averaged based on a number of different driver ages, physical damage deductibles, and driver risk profiles.

The average cost of car insurance per month in Dallas is $151, with policy premium ranging from $125 to $343 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 – $6,482 per year or $540 per month
• 17-year-old driver – $6,062 per year or $505 per month
• 18-year-old driver – $5,662 per year or $472 per month
• 19-year-old driver – $5,126 per year or $427 per month
• 20-year-old driver – $3,600 per year or $300 per month
• 30-year-old driver – $1,906 per year or $159 per month
• 40-year-old driver – $1,810 per year or $151 per month
• 50-year-old driver – $1,646 per year or $137 per month
• 60-year-old driver – $1,616 per year or $135 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.

Car insurance for a 16-year-old female in Dallas costs an average of $776 less per year than the cost to insure a 16-year-old male driver, while at age 19, it’s still $568 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 – $1,810 (Dallas average) versus $1,685 (U.S. average)
• Dallas auto insurance prices are more expensive than the Texas state average – $1,810 (Dallas average) compared to $1,638 (Texas average)
• Car insurance for teens gets very expensive – Cost ranges from $4,558 to $6,482 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 $1,790 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 $578 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 Chevrolet Trailblazer, Nissan Kicks, Buick Envision, and Buick Encore.

Average auto insurance prices for those models cost $1,698 or less per year ($142 per month) for a full coverage policy.

Other vehicles that rank towards the top in the cost comparison table are the Ford Edge, Acura RDX, Honda HR-V, and Hyundai Venue. 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 $1,820 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.

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.

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 $1,404 per year to the Rivian R1S costing $2,214 per year, a difference of $810 within that segment.

As another example, in the large truck segment, average rates range from the Nissan Titan costing $1,788 per year to the GMC Hummer EV Pickup at $2,284 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 Subaru Impreza ranks #1 as the most affordable car to insure in Dallas, followed closely by the Volkswagen Jetta, Subaru Legacy, Nissan Sentra, and Toyota Corolla. The 2023 model averages $1,496 per year to insure with full coverage.

Additional cars that rank well in our comparison include the Toyota Prius, Volkswagen Golf, Kia K5, and Toyota Camry, with an average cost to insure of $1,744 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 $125 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 Subaru Impreza at $1,496 per year. For midsize cars, the Subaru Legacy has the cheapest rates at $1,664 per year. And for full-size cars, the Chrysler 300 has the best rates at $1,764 per year.

The next table ranks the twenty cars with the most affordable car insurance in Dallas, starting with the Subaru Impreza at $125 per month and ending with the Volkswagen Arteon at $158 per month.

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 Chevrolet Trailblazer takes the #1 ranking as the cheapest SUV to insure in Dallas, followed by the Subaru Crosstrek, Nissan Kicks, Honda Passport, and Nissan Rogue Sport. The 2023 model averages $1,368 per year for full-coverage auto insurance.

Additional models that have affordable insurance rates are the Kia Seltos, Subaru Ascent, Buick Envision, and Buick Encore, with average insurance cost of $1,470 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 $114 per month, depending on your location. The next table ranks the SUVs with the lowest-cost car insurance in Dallas, starting with the Chevrolet Trailblazer at $1,368 per year and ending with the Chevrolet Trax at $1,556 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, GMC Canyon, Chevrolet Colorado, Ford Maverick, and Ford Ranger. Rates for these models average $1,642 or less per year, or around $137 per month.

Also ranking in the top 10 are pickups like the Nissan Titan, Honda Ridgeline, Ford F150, and Hyundai Santa Cruz, with an average cost to insure of $1,840 per year or less.

Auto insurance rates for this segment in Dallas for a safe driver starts at an average of $125 per month, depending on the company. The next table ranks the pickups with the most affordable auto insurance rates in Dallas, starting with the Ford Maverick at $125 per month and ending with the Nissan Titan XD at $168 per month.

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 $1,624 per year, BMW 330i at $1,838 per year, Acura TLX at $1,866 per year, and Cadillac CT4 at $1,890 per year.

Additional luxury cars that are affordable to insure include the BMW 228i, BMW 330e, Cadillac CT5, and Lexus ES 350, with an average car insurance cost of $1,968 per year or less.

Additional luxury cars that rank well include the Mercedes-Benz AMG CLA45, Lexus RC 300, Mercedes-Benz C300, Lexus RC 350, and Volvo S60, which cost between $1,968 and $2,022 per year to insure in Dallas.

Car insurance in this segment for a safe driver will start around $135 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 $1,624 per year. For midsize luxury models, the Cadillac CT5 has the best rates at $1,946 per year. And for full-size luxury cars, the Audi A5 is most affordable to insure at $2,030 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 $1,624 per year and ending with the Volvo S60 at $2,022 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 $1,508 per year, the Lexus RX 350 at $1,618 per year, and the Cadillac XT4 at $1,632 per year.

Some other luxury SUVs that have affordable average insurance rates include the Lexus UX 250h, Mercedes-Benz GLA250, Cadillac XT5, and Mercedes-Benz GLB 250, with average insurance cost of $1,760 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Lincoln Corsair, Lexus NX 350h, Mercedes-Benz GLC300, Lexus NX 350, and Lincoln Nautilus average between $1,760 and $1,844 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 $126 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 $1,508 per year, or $126 per month. For midsize luxury SUV models, the Lexus RX 350 is the cheapest model to insure at $1,618 per year, or $135 per month. And for full-size luxury SUVs, the Volvo XC90 is most affordable to insure at $1,866 per year, or $156 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 $1,508 per year and ending with the Mercedes-Benz GLC300 at $1,844 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 Audi TT, Subaru WRX, Ford Mustang, Mazda MX-5 Miata, and BMW Z4. Car insurance rates for these vehicles average $2,000 or less per year.

Rounding out the top 10 are cars like the Toyota GR86, Nissan Z, Toyota GR Supra, and BMW M2, with an average car insurance cost of $2,184 per year or less.

Ranked in the lower half of the top 20, models like the Chevrolet Corvette, Mercedes-Benz AMG GT53, Porsche Taycan, BMW M4, and Chevrolet Camaro average between $2,184 and $2,720 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 $139 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 $1,672 per year ($139 per month) and ending with the Lexus LC 500 at $2,720 per year ($227 per month).

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 $284 per year versus a rating of 670-739. Conversely, an imperfect credit score below 579 could cost around $329 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 $2,534 per year for a 20-year-old driver and as much as $552 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 $276 per year for a 40-year-old driver and $538 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 $54 and $183 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.