How Much Does Car Insurance Cost in Dallas, TX?
Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.
Typical Cost Range
$1.212 – $3.030
+1% vs national average
$1.212$2.121$3.030
LowNational avg: $2.100High
Dallas vs State & National Average
| Category | Dallas | Texas Avg | National Avg |
|---|---|---|---|
| Average cost | $2.121 | $2.120 | $2.100 |
| Low estimate | $1.212 | $1.590 | $1.575 |
| High estimate | $3.030 | $2.756 | $2.730 |
Detailed Cost Breakdown
| Item | Low | High | |
|---|---|---|---|
| Liability only | $404 | $909 | per year |
| Full coverage | $1.212 | $3.030 | per year |
| Good driver discount | $-202 | $-505 | savings |
| Young driver surcharge | $505 | $2.020 | additional |
Car Insurance in Nearby Cities
Frequently Asked Questions
How much does car insurance cost in Dallas?
In Dallas, TX, car insurance typically costs between $1.212 and $3.030. The average is $2.121, which is 1% above the national average.
Is Dallas expensive for car insurance?
Dallas has a cost-of-living index of 101 (100 = national average). Car Insurance costs are 1% higher than the national average of $2.100.
What factors affect car insurance costs in Dallas?
Key factors include local labor costs, cost of materials, market competition, Texas state regulations, and Dallas's overall cost of living (index: 101/100). Prices can also vary by season and specific requirements.