Best Cheap Car Insurance in Dallas


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Average car insurance rates in Dallas, TX are above the national average, so many drivers might be interested in cheap car insurance. The average annual auto insurance premium in Dallas is $2,038, or $170 per month. That’s over 14% more than the national average of $1,771. For minimum coverage, the average annual premium in Dallas is $619, compared to $545 nationally.

According to Bankrate’s 2022 Listed Annual Premiums Study, the cheapest auto insurance companies in Dallas are State Farm, Geico, and Esurance. These three carriers offer average fares in Dallas below the city average.

Best Cheap Auto Insurance Companies in Dallas

Drivers in the Lone Star State have many insurance companies to choose from, but we’ve found that some of the cheapest car insurance in Dallas is offered by State Farm, Geico, Esurance, USAA, and Mercury, at rates provided by Quadrant Information Services.

In addition to cheap rates, these providers have also generally performed well in third-party industry ratings like the 2022 JD Power Auto Insurance Study. These carriers have solid AM Best ratings for financial strength as well as robust coverage options, varied discounts and user-friendly digital tools. All of these metrics were taken into account when assigning each carrier a Bankrate Score. With a maximum score of 5.0, the Bankrate Score can help buyers better identify insurance companies that might meet their needs. If you are looking for the best cheap car insurance in Dallas, you can start with a quote from these companies:

state farm 4.7 851/1000 $1,437 $498
Geico 4.7 843/1000 $1,466 $448
Insurance 4.2 Unclassified $1,608 $567

United States of America*

5.0 885/1000 $1,639 $518
Mercury 4.2 Unclassified $1,681 $553

*USAA is not officially rated by JD Power due to eligibility restrictions.

state farm

In addition to having some of the cheapest rates for comprehensive insurance on our list, State Farm policyholders can also save on their auto insurance with the company’s long list of discounts. State Farm extends potential discounts to good students, being accident free, insuring multiple vehicles, having a vehicle with safety features and more. Additionally, State Farm offers two rewards programs for safe drivers, Steer Clear for drivers under 25 and Drive Safe & Save for drivers over 25. carriers on this list, including no gap insurance.

Learn more: State Farm Insurance Review


Geico is well known for offering cheap car insurance and several unique discounts. The carrier is one of the cheapest on our list for minimum coverage, and policyholders can expand their savings opportunities with discounts for military personnel, federal employees, student vouchers, emergency deployment, and being accident free. Although the company only has three additional coverage options advertised, Geico has a popular mobile app where policyholders can request roadside assistance, view ID cards and get repair estimates.

Learn more: Geico Insurance Review


Esurance is a fully digital insurance company backed by Allstate. It offers a host of online and mobile resources to virtually manage your policy and file claims. While these digital resources may be convenient for some, those who prefer working with agents in person may not benefit from the experience as much. Although Esurance is not rated by JD Power, it holds an A+ (Superior) rating from AM Best for financial strength. Esurance may not be the best option for drivers looking for discounts, but it does offer its DriveSense telematics program and a potential discount for bundling auto and renter policies.

Learn more: Esurance Insurance Review


The USAA is consistently well-rated by third-party organizations like JD Power, but you must be affiliated with the military to qualify, which may limit eligibility for many drivers. In addition to offering some of the lowest average rates in Dallas, USAA offers a number of potential policyholder discounts, including savings for parking a vehicle on base, maintaining a good driving and bundling with a home or renters insurance policy. The USAA may not offer as many policy customization options as some other carriers, but it does offer roadside assistance, rental reimbursement, and car replacement assistance.

Learn more: USAA Insurance Review


Mercury offers a strong local agent presence in the 11 states where the company operates. Mercury offers all types of standard auto insurance coverage as well as rental car reimbursement, ride-sharing coverage, and underinsured and uninsured motorist coverage. While its average rates may be higher than others on our list, its premiums are still well below the Dallas and national averages. Mercury has online and mobile resources for applications and policy management, but not for filing claims. Mercury policyholders can save on their premium with a long list of potential discounts, including anti-theft features, a student voucher, multiple cars and its RealDrive telematics program.

Learn more: Mercury Insurance Review

How to Get and Keep the Cheapest Auto Insurance in Dallas

Finding cheap auto insurance rates can be great news for your wallet, but keeping rates low usually takes hard work and smart driving. The following tips might help you find cheap rates and keep them over time.

  • To find cheap fares, shop around: To get cheap rates, most insurance professionals recommend shopping around and comparing quotes from multiple carriers. Auto insurance rates can vary based on your personal factors, so comparing quotes may be the best way to find cheap rates that suit your situation.
  • To keep fares low, maintain a good driving record: Driving records can be one of the most influential variables used when determining insurance premiums. If you are concerned about your driving record, you may be able to offset some of your premium by enrolling in a telematics program.

Frequently Asked Questions


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