Dallas Auto Insurance Guide

Understanding your auto insurance policy can be a daunting task, filled with industry terms and lingo that can be a bit cumbersome and hard to comprehend. At TGS Insurance, we want to make it easy for Dallas, TX motorists to understand their options, which is why we’ve put together a guide to Dallas auto insurance.


Table of Contents:

The Cost of Dallas Auto Insurance
The Cheapest Auto Insurance Carriers in Dallas
The Most Popular Car Insurance Companies in Dallas
Demographic Factors that Affect Car Insurance Premiums
Types of Auto Insurance Coverage
The Impact of Getting a Ticket on Your Car Insurance Premium in Dallas
Dallas Auto Insurance Discounts
Buying Auto Insurance with TGS Insurance Agency
Dallas Auto Insurance FAQs


How Much is Auto Insurance in Dallas, TX?

 

Drivers in Dallas, TX pay an average of $1,680 per year for their car insurance. At TGS Insurance, our average Dallas driver pays just $811 per year for their auto insurance, which means an annual savings of $869! 

What you pay for car insurance is made up of a variety of factors and while the whole “red cars cost more” thing is a myth, there are still several factors that go into creating your car insurance premium. Some of these factors include:

  • Your driving record (Moving violations, DUIs, accidents)
  • Your claims history (Higher rate of claims = higher premiums)
  • The car insurance coverages you choose
  • Your credit score (The lower your credit score, the higher your car insurance premium)
  • The make, model, and year of your vehicle
  • Where you live
  • The usage of your vehicle (More miles will mean higher premiums)
  • Various demographics including your age, gender, and marital status

As you can see, some of the factors that make up your monthly car insurance premium are well in your control, while others are not. The bottom line is that car insurance carriers craft your premium based on the perceived risk they will take on insuring your vehicle. The higher the risk that is associated with insuring your vehicle, the higher you can expect your car insurance premium to be. The lower the risk of insuring your vehicle and the lower your car insurance premium will be as well.

The Cheapest Auto Insurance Companies in Dallas, Texas

 

Many different car insurance carriers protect motorists throughout Dallas, TX. As we’ve seen, many factors go into creating your premium, and because of this, there can be a variety of results for the cheapest car insurance carrier depending on your personal needs. With that said, on average, Safeco is consistently the cheapest option for many drivers in Dallas, TX.

 

Overall, the best way to find the cheapest car insurance company in Dallas, TX is to compare different rates across multiple carriers and select the cheapest option. Of course, this can be time-consuming and you may end up missing out on coverage options you need to stay protected. TGS Insurance helps customers find the lowest rate for the coverage they need every day in Dallas, TX by comparison shopping through our bank of 35+ car insurance carriers. Drivers may also face premium increases at a later date. Not a problem for TGS Insurance customers. We continue to work for our clients year after year to find the right car insurance coverage at the lowest price on the market should you face a rate increase. Comparison shopping and unparalleled customer service from start to finish and even beyond is the difference we bring to all of our clients.

 

 

Drivers in Dallas have plenty of car insurance brands to choose from. Depending on your needs, there is an auto insurance brand that is right for you in terms of rates, coverage, and discounts. Take a closer look at some of the most popular car insurance brands TGS Insurance is proud to serve our clients in Dallas, TX with:

Rank by PopularityAuto Insurance CarrierAverage TGS Insurance PremiumMoody's Financial Strength Rating
1Safeco$935A2
2Allstate$963A3
3Travelers$980A2
4Infinity$1,153A3
5Progressive$1,312A2
6State Auto$1,790A-*

*Financial rating from A.M. Best

We offer more than 35 top-rated car insurance options to our clients to find the best insurance carrier for their needs. TGS Insurance can shop among these brands instantly to provide you an accurate car insurance quote fast!

Demographic Factors That Affect Car Insurance Premiums

 

There are a few key demographics that car insurance companies identify across the board that can affect how much you pay in premiums every year. Whether it be age, gender, or marital status, insurance carriers have complex algorithms that assess millions of data points to determine risk based on a variety of factors with these demographics playing key roles in their assessment. Learn more below about the various demographics that can affect how much you pay for your auto insurance each year.

 

Your Age and Your Car Insurance Rates in Dallas:

Maybe the most widely known factor that can affect a driver’s car insurance rate is their age. Younger drivers are riskier and thus require higher premiums while more mature drivers can expect to see greater savings. Once you turn 20 years old, while every situation is different, most drivers can expect significant decreases in their auto premium to take place. Take a closer look at how your age affects the rates you pay:

AgeAverage Annual Premium
16$7,001
25$1,768
45$1,490
65$1,424

Source: WalletHub

How Gender Affects Your Car Insurance Premium in Dallas:

In Texas, gender is allowed to be an area in which car insurance companies can assess risk. Generally, men will pay more for their car insurance premiums. Though men pay less over time, younger men may face car insurance rates that are 21% more than females with the ages of 30-50 seeing men pay less than women during this time.

Source: HuffPost

*Genders based on broader demographics often weighed among the insurance industry.

Marital Status Affects Your Car Insurance Rates in Dallas:

There are a couple of different reasons married couples may save more than those within similar demographics but are single. Married couples tend to purchase more policies for home and life leading to lower premiums. We also see studies that show singles taking more risks than those who are married. Married men pay 25% less than single men of the same age with women paying 28% less when married than a single woman of the same age. Many different factors go into this one factor alone, but overall, married couples save money on car insurance.

Source: HuffPost

Types of Car Insurance Coverage in Dallas:

There are a variety of coverage options drivers can choose from for their car insurance needs, however, according to Texas law, motorists must carry a minimum of liability coverage. This type of car insurance can be broken down into two types of liability coverages:

  • Bodily Injury Liability– Protection should you cause injury to someone else in an accident and are at fault.
  • Property Damage Liability– Protection to help restore damage to another’s personal property should you be in an accident and are at fault.

The specifics of the minimum liability coverage all drivers in Dallas, TX must carry, known as 30/60/25 includes:

  • $30,000 in Bodily Injury Liability coverage per person.
  • $60,000 in Bodily Injury Liability coverage per accident.
  • $25,000 in Property Damage Liability coverage per accident.

Without having this mandatory minimum coverage, drivers who are caught risk paying fines. Those who find themselves in a wreck can become liable for damages, medical expenses, legal fees, and much more. While you have various additional options when it comes to which auto insurance policies you wish to enroll in to protect yourself and your vehicle, liability is non-negotiable as must-have protection for every driver in Dallas, TX.

 

Additional Popular Car Insurance Coverage Options for Drivers in Dallas, TX:

 

Collision Coverage is protection for your vehicle should you be involved in an accident or receive damage from another driver’s car, a foreign object, or rolling your car over. In Texas, drivers are even protected from damage caused by potholes. This coverage can be useful as it continues to protect you regardless of whether or not you are at fault! Collision insurance policies come with varying options of deductibles with the most popular being $500 or $1,000. A higher deductible usually leads to a cheaper monthly premium.

 

Comprehensive Coverage helps keep your vehicle protected from perils that can occur without a collision between another vehicle or object. These perils can often be overlooked making comprehensive coverage an important policy option that protects against losses including theft/vandalism, damages not involving a wreck, falling objects, fire damage, windstorm/hail damage, flood damage, earthquakes, and damage from contact with animals (ex. deer). Comprehensive coverage requires those enrolled to pay a deductible giving drivers the choice between $100 to even as high as $2,500. The higher your deductible, the lower your monthly premium may be.

 

Medical Payments or Personal Injury Protection (PIP) Coverage continues to grow in importance as medical costs continue to rise. PIP coverage protects you financially by assisting in paying for medical costs associated with injuries you and the passengers of your car may sustain while driving. PIP covers a range of costs including medical bills, wages lost due to injury, and funerals when appropriate.

 

Uninsured and Underinsured Motorist Coverage helps you pay for damages involving hit-and-run situations as well as when an at-fault driver possesses insurance but not enough to pay for the other party’s total loss.
 

How Much Will A Ticket Raise My Car Insurance in Dallas, TX

 
Nobody wants to receive a ticket and through safe driving, you can avoid paying unwanted fines, higher car insurance premiums, potential expenses associated with the aftermath of an accident (property damage, legal fees, and medical expenses), and you’ll also be keeping yourself and fellow motorists safer in the process. But not all tickets are the same. For example, a DUI or speeding ticket is more likely to have a much more adverse effect on your auto insurance premium because of the lack of safety that comes with these activities. Parking tickets, while not ideal, are less likely to have a similar effect as they do not come with additional risks to insure your vehicle in most cases. Take a look at the different tickets drivers in Dallas, TX should avoid receiving through safe driving and how much they can raise your auto insurance premium on average should you receive one:

According to I Drive Safely, these are the top 5 offenses drivers are most likely to receive a ticket for while driving:

  1. Using your cell phone
  2. Speeding
  3. Failure to stop/running red lights
  4. DUIs
  5. seat belt and car seat violations

 

Average Car Insurance Increases After a Ticket in Dallas, TX:

ViolationAverage Annual Rate Increase
Distracted Driving$320
Speeding$194
Failure to Stop/Running a Red Light$319
DUI (First Offense)$1,131
Seat Belt/Car Seat Violation$50

Sources: NerdWallet, I Drive Safely, WalletHub

**Remember, additional rate increases may apply if there is an accident and you are at fault. Multiple at-fault accidents can also lead to additional increases as well claims for excessive amounts due to said accidents.

Traffic Violation Schedule of Fines in Dallas, TX:

Texting, speaking on the phone, checking social media…there are a lot of reasons to be distracted while driving these days. As the leading cause of auto accidents in the country, distracted driving is an expensive and sometimes deadly practice drivers should always avoid. In the state of Texas, individual cities have different fines regarding distracted drivers but the fines and increases in car insurance premiums can cost hundreds of dollars which is nothing compared to the damages they may be liable for and potential jail time should there be an accident. Take a look at some of the fines associated with distracted driving Texans could face:

ViolationFirst OffenseMultiple Offenses
Distracted Driving$99+$200+

Source: The Law Firm Of Aaron A. Herbert, P.C.

**Additional fees may apply including an additional $25+ fee for violations inside of a school zone.

Speeding puts yourself, other motorists, and pedestrians all at an increased risk of having an accident. Driving the speed limit can help you avoid fines, increases in car insurance premiums, and any liability from accidents you may cause by operating a vehicle at unsafe speeds. Learn more about these fines according to The City of Dallas:

ViolationFinesFines in a School Zone
Speeding$231 to $334+$256 to $359+

*Additional fees may apply (ex. Speeding through a construction zone with workers present).

 

Drivers would do well to remember to come to a complete stop and to respect all stop signs and red lights:

ViolationFinesFines in a School Zone
Running a Stop Sign/ Failure to Stop$221 to $256+$246 to $281+**
Running a Red Light$326$351

Source: The City of Dallas

**Note: Failure to stop for a school bus can run drivers a whopping $659+ in fines.

 

Mixing alcohol or other substances and driving is never a good idea. Driving impaired is unsafe, illegal, and can end up costing drivers a ton in fines, legal fees, and an increase in their car insurance premium. Get to know how much drivers in Dallas, TX pay in fines for DUIs:

ViolationFinesFines in a School Zone
Consuming Alcohol While Driving$263$288
DUI- Alcohol (Minor)$446$471
DUI (Adult)Up to $2,000Up to $2,000+
Using Drugs While Driving$496$521

Sources: The City of Dallas and The Law Offices of Randall B. Isenberg

 

Being a safe driver is important to insurance agencies as it limits the risks associated with insuring your vehicle. You can even receive savings on your car insurance premiums for practicing good habits such as wearing your seat belt. You’ll also save money on tickets and increases in premiums by protecting yourself and others while driving your vehicle. Make sure you always buckle up. Here are some fines you may incur if you fail to do so:

ViolationFinesFines in a School Zone
Various Seat Belt Violations$171Up to $196+

Source: The City of Dallas

Available Savings and Discounts for Good Drivers in Dallas, TX

 

Good drivers can save money on their monthly car insurance premium as good drivers require less risk to insure. Many savings are standard across the car insurance world, yet, the specifics of these savings opportunities are likely to depend on which car insurance carrier you enroll with. Still, there are a variety of factors, some within your control and some that are not, which can help you save money each month. Learn more about these savings opportunities for drivers in Dallas, TX below:

DiscountAmount SavedDescriptionCarriers Offering Discount
Good Driver/Accident-FreeUp to 15%Better drivers receive better premiums because they cost less to insure. Drivers can automatically receive these discounts by driving safely.Allstate
Progressive
Low-Milage/UsageUp to 20%According to U.S. News, insurance carriers consider drivers to accrue “low-milage” when they stay below 7,500 miles a year. Considering drivers in Texas can average over 13,000, 15,000, and even 16,000 miles a year, insurance companies reward those who travel less and are less likely to be involved in an accident.Allstate
Progressive
Travelers
MilitaryUp to 15%Available to active military personnel and veterans as a thank you for their service.Allstate
Progressive
StudentUp to 25%
Young drivers can face steep car insurance premiums. A great way to combat these high prices are discounts provided by carriers that reward safe driving and good grades.
Allstate
Progressive
Travelers
Alumni and ProfessionalUp to 10%There are several organizations ranging from professional to academic that maintain partnerships with car insurance companies. These discounts are available to their members.Travelers
Multi-CarUp to 25%Bundling multiple vehicles can lead to serious savings for drivers. You can also save money by combining your home, auto, boat, motorcycle, and even umbrella coverages.Allstate
Progressive
Travelers
Electronic BillingUp to 10%Paperless billing and automatic payments provide insurance companies with fewer costs involving the collection and the cost of paper. These savings are often passed down to drivers and can help you save money.Allstate
Progressive
Travelers

All of these and more are great discounts available to drivers every day. Speaking with your car insurance agent is the best way to know which discounts you qualify for and the best brand for your protection needs and budget. Of course, there are even more ways drivers can save money on their car insurance premiums including choosing a higher deductible, improving your credit score, and bundling your car insurance policy with your home insurance. 

 

Bundling your policies maximizes your coverages while saving you money. Insurance brands love to encourage bundling and reward their customers for doing so. At TGS Insurance, we work with a bank of more than 35 top-rated insurance companies that work to protect drivers and homeowners throughout Dallas, TX. Our agents work with you to find the right coverage for your needs all available at the lowest price on the market by comparison shopping through multiple brands at once. 

Get Affordable Car Insurance in Dallas, TX With TGS Insurance

 

We are proud to assist drivers in Dallas, TX every day by finding the right coverage for the lowest available price for your car insurance. Learn how much money you can save by contacting TGS Insurance today!

 

FAQs About Auto Insurance in Dallas, TX

 

Who Has the Cheapest Car Insurance in Dallas, TX?

On average, Safeco, a top-rated brand we are proud to offer our clients, continues to be the cheapest car insurance provider in Dallas, TX, but it is important to remember that there are many different factors that will determine your car insurance premium and every situation is different. Car Insurance companies will also have their own criteria when it comes to determining how these risks are weighed. With so many variables, the best solution to finding the cheapest car insurance provider for your vehicle is by comparing multiple carriers at once. TGS Insurance compares our clients’ rates among 35+ top-rated car insurance carriers to find the best rate. We even continue to find the lowest rates for our clients should they face a premium increase when it is time for renewal to ensure you receive the lowest rate for your coverage every time.

 

Can I Get Car Insurance Without a License in Dallas, TX?

Yes, there are a variety of reasons unlicensed drivers would need car insurance and TGS Insurance can help. From protecting your automobile from vandalism to keeping you street legal, TGS Insurance has the right car insurance policy for your budget and needs!

 

Who Offers the Best Car Insurance for Young Drivers in Dallas, TX?

Allstate consistently ranks as one of the cheapest car insurance companies for young drivers in the Dallas, TX area. While Allstate is on average a leading car insurance carrier, the only way to know which carrier provides the best rate for your needs is to compare your premium among the market. TGS Insurance understands that the needs and factors surrounding each driver are different and comparison shops for our customers to find the best possible price for their specific needs.

 

Can I Get Car Insurance With Bad Credit?

Yes, drivers can find the right car insurance policy despite having less than favorable credit. Your credit score is one of several components that your insurance score consists of. Auto insurance carriers will assess this score and with bad credit, you can expect it to be impacted negatively, thus, causing a higher monthly premium. Nevertheless, TGS Insurance works to find the best car insurance rates in Dallas, TX by comparing more than 35 top-rated car insurance carriers to find you the best price on the market even with bad credit.

 

What Happens if My Car Insurance Lapses?

Having your car insurance lapse results in drivers running the risk of being exposed in the event of an accident, theft, vandalism, or any other peril for which a driver would ordinarily be covered. It is never advised to allow your car insurance policy to lapse but there are many reasons this can occur:

 

  • Your car was sold.
  • Your car was totaled in an accident.
  • You simply forgot to renew your car insurance.
  • You were unable to pay your car insurance causing a lapse in coverage.

 

Whatever the reason, getting back on track is important, and driving without insurance is never advised. Should you find yourself with a lapse in coverage, contact your insurance agent immediately to better protect yourself and your vehicle. TGS Insurance agents are there for you and continue to work with clients well beyond enrollment to help prevent lapses in coverage through affordable coverage and reviewing your car insurance to make sure your renewal is handled in a professional, timely manner.

About Buddy Blouin

Buddy is a content writer for TGS Insurance and has been with the company for a year. He works to create digestible content that provides value to the reader. When he is not writing articles, you'll find him watching sports, grilling, or hanging out with friends.