Best Cheap Car Insurance in Dallas – Bankrate.com | CarTailz

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Average car insurance rates in Dallas, Texas are above the national average, so many drivers may be interested in finding cheap car insurance. The average annual auto insurance premium in Dallas is $2,038, or $170 monthly. That’s more than 14 percent higher than the national average of $1,771. For minimum insurance, the average annual premium in Dallas is $619 compared to $545 domestically.

State Farm, Geico, and Esurance are among the cheapest auto insurance companies in Dallas, according to the 2022 Bankrate Reported Annual Premiums Study. All three of these airlines offer average fares in Dallas that are below the city average.

The best cheap car insurance in Dallas

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

In addition to cheap rates, these providers also generally performed well in third-party industry ratings such as the 2022 JD Power Auto Insurance Study. These airlines have strong AM Best ratings for financial strength, along with robust coverage options, diverse discounts and easy-to-use digital tools. All of these metrics were taken into account when assigning a Bankrate Score to each airline. With a maximum score of 5.0, the Bankrate Score can help shoppers better understand which insurance companies could meet their needs. If you are looking for the best cheap car insurance in Dallas, you could start with a quote from these companies:

district farm 4.7 851/1,000 $1,437 $498
geiko 4.7 843/1,000 $1,466 $448
insurance 4.2 Not rated $1,608 $567

United States of America*

5.0 885/1,000 $1,639 $518
mercury 4.2 Not rated $1,681 $553

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

district farm

In addition to some of the cheapest comprehensive insurance rates on our list, State Farm policyholders can also save on their auto insurance with the company’s extensive list of discounts. State Farm expands potential discounts for good students who are accident free, insure multiple vehicles, have a vehicle with safety features, and more. In addition, State Farm has two safe driver reward programs, “Steer Clear” for drivers under 25 and “Drive Safe & Save” for drivers over 25. While State Farm performs well on many metrics, the company may not have as many optional ones Policy additions like other carriers on this list including no gap insurance.

Learn more: Review of State Agricultural Insurance

geiko

Geico is known for offering cheap car insurance and several unique discounts. The airline is one of the cheapest on our list for minimum coverage, and policyholders can expand their savings with discounts for military personnel, federal employees, good students, emergency response, and no accidents. Although the company only has three advertised supplemental coverage options, Geico has a highly rated mobile app that policyholders can use to request roadside assistance, view ID cards, and get repair estimates.

Learn more: Geico insurance review

insurance

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

Learn more: Esurance insurance review

USAA

USAA is consistently rated highly by third-party organizations like JD Power, but you must be in the military to qualify, which can limit eligibility for many drivers. In addition to some of the cheapest average rates in Dallas, USAA gives policyholders a number of potential rebates, including savings on garage parking a vehicle on base, maintaining a clean driver’s license, and bundling with home or renters insurance. USAA may not offer as many policy customization options as some other airlines, but does offer roadside assistance, rental refunds, and car replacement assistance.

Learn more: USAA insurance review

mercury

Mercury offers strong local representation in the 11 states in which it operates. Mercury offers all types of standard auto insurance, as well as rental car reimbursements, ridesharing, and coverage for underinsured and uninsured drivers. While his average rates may be higher than others on our list, his premiums are still well below the Dallas and national averages. Mercury has online and mobile resources for claims and policy management, but not for claims reporting. Mercury policyholders can save on their premium with an extensive list of potential discounts, including anti-theft features, Good Student, Multi-Car and its RealDrive telematics program.

Learn more: Mercury Insurance review

How to get and keep the cheapest car insurance in Dallas

Finding cheap auto insurance rates might be good news for your wallet, but maintaining low rates usually takes steady work and smart driving. The following tips can help you find cheap rates and maintain them over time.

  • To find cheap prices, take a look around: To get cheap rates, most insurance experts recommend shopping around and comparing quotes from multiple providers. Car insurance rates can vary based on your personal factors, so comparing quotes may be the best way to find the best rates for your circumstances.
  • To keep cheap fares, keep a clean driving record: Driving records can be one of the most influential variables used in determining insurance premiums. If you’re worried about your driver’s license, you may be able to offset part of your award by enrolling in a telematics program.

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