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Dallas is one of the most-expensive cities for car insurance in Texas, and drivers typically pay over $1,000/year (roughly $80/month) for their coverage. Your exact rate will vary, however, based on factors like your driving record, the value of your car and your previous claims history. Let our agents help you tailor your coverage limits appropriately.

Liability insurance covers you if you’re in an accident deemed to be your fault. It will cover repairs to damaged property, as well as medical bills resulting from injury to the other driver and their passengers. Most states require at least a minimum amount of liability insurance, but it’s a good idea to purchase extra protection if you can afford it.
Collision coverage is probably the most important coverage you need to have in order to protect your vehicle against physical damage. It is not difficult to accidentally hit something when driving. Somebody is always at fault, and that someone could be you. Some of the most significant damage to your vehicle can come from a collision with another vehicle, tree, pole or guardrail. In order to purchase collision coverage, you’ll need to purchase basic coverage as well. The higher your deductible (the amount you pay if you do get into a collision), the lower your monthly payments will often be — and this can be the best way to get the coverage you need and the savings you deserve at the same time.
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Who has the best car insurance in Dallas? According to the 2016 J.D. Power Survey of Texas auto insurers, Texas Farm Bureau had top marks. Texas Farm Bureau scored particularly well when it came to the smoothness in which they process claims. In Dallas the draw back of Texas Farm Bureau is that it isn't the cheapest which is unusual for most parts of Texas and you first need to become a member, which requires an annual fee of usually around $40. Luckily, there are several great auto insurance companies Dallasites can go.
Be sure to take an inventory of all of your personal belongings inside the home, value them, and calculate what it would cost to repair or replace your stuff if they’re damaged, destroyed, or stolen by a covered loss. Most of the top home insurance companies will provide checklists, calculators, apps, and other resources to help you keep track of and protect your belongings.
Each insurance company evaluates personal factors in its own way, and they keep their methods as hidden as possible. So we can’t tell you which company puts high value in your occupation or emphasizes a clean driving history more than others. But to help you get going, we can show you a car insurance rate comparison for the same hypothetical driver and car, using average rates from across the country.
Over eighty years of insuring drivers has made us one of the most trusted names in the industry. We didn’t become the nation’s third largest insurer by simply offering cheap car insurance prices. We did it by offering 24/7 world-class customer support, and earning an A+ superior financial rating from A.M. Best when it comes to servicing claims. That’s why 4 out of 5 customers recommend Progressive.†† And that’s how we’ve earned the confidence of over 18 million drivers.
Deductible: A car insurance deductible is the amount of money you will be required to pay out of pocket to cover a claim. Let’s say a car rear-ends you in traffic, scratching your paint, damaging your bumper and breaking one of your tail lights. The total cost of repairs is $2,500 and your deductible is $500. You will pay the $500 and your insurance will pay out the remaining $2,000 to cover the cost of the repairs. Electing for a higher deductible is one-way drivers can secure cheaper car insurance.
Snapshot is a free program that personalizes your rate based on your ACTUAL driving. The safer you drive, the more you save. The average driver saves $130 with Snapshot.** You don’t even need to be a Progressive customer to try it. Just call us and request the plug-in device. After one month of safe driving, you’ll find out how much you can save with Progressive! See more on Snapshot.
There is a case to be made for getting just comprehensive and not collision insurance, even if your car is not valuable. Comprehensive covers you for a lot more perils than does collision--including, most importantly, against theft. Regardless of the value of your car, having it stolen is a major inconvenience. Even if your car is worth only $2,000 at the time of the theft, and your insurer gives you $1,500, that sum would go a long way in buying yourself a new vehicle. As we discuss in more detail below, comprehensive insurance generally costs no more than $200 per year, so a $1,500 reimbursement would make the coverage valuable.
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