Car Insurance in Dallas, Texas [Rates + Comparison Guide 2020]

Rates for car insurance in Dallas, TX, are $497.92/mo on average. Texas requires 30/60/25 in minimum liability coverage. Compare quotes for free below.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 21, 2021

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Dallas, TX OverviewStats
City Population1,317,942
City Density3,848 people per square mile

Average Cost of Insurance in Dallas$5,855.07
Cheapest Car Insurance CompanyUSAA
Road ConditionsPoor - 21%
Mediocre 31%
Fair 20%
Good 28%
Vehicle Operating Costs (V0C) $609
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For all who question whether “Everything is Bigger in Texas,” one needs to look no further than Dallas — the North Texas city has proven to embody this adage well.

Case in point — according to the U.S. Census Bureauno other area has experienced more population growth between 2017 and 2018 than the Dallas-Fort-Worth-Arlington metroplex. In just one year, nearly 132,000 moved to the area, further solidifying Dallas as America’s ninth-largest city.

Add to its expanding population an extensive highway system and a mix of urban, rural, and suburban communities — now you have a pretty convincing case to shore up your knowledge of what it means to drive and live in the Big D.

After all, tackling Dallas’s roads involves much more than knowing where the traffic hotspots are. It involves exploring your car insurance options, knowing what factors could impact your rates, and understanding the local laws.

If you’re wondering where to begin, don’t worry — we’ve written the complete guide for you.

We get it — your time is precious. Thankfully, we’ve done all the research on what matters most. That includes cheap rates, company comparisons, Dallas crime statistics, and the cost of tolls. We’re even digging into the state’s texting and driving laws and rounding out our guide with some common FAQs.

Becoming an expert in driving in Dallas starts by sticking with us. You can shop car insurance rates by entering your zip code into our FREE rate comparison tool.

Let’s begin by looking at the price of car insurance in Dallas.

Table of Contents

The Cost of Car Insurance in Dallas

Whether you’re heading to AT&T Stadium to catch a Dallas Cowboys game, or you’re getting your funnel-cake fix at the famed Texas State Fair — driving in Dallas with car insurance is a must, and you want to know that it’s affordable.

You might find yourself asking how does my Dallas, TX stack up against other top metro auto insurance rates? We’ve got your answer below.

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But what Dallas drivers end up paying isn’t always so cut and dry. Rates will depend on a number of key factors.

– Dallas Rates by Age, Gender, & Marital Status

In the world of car insurance, your age, gender, and whether you’re married matter. Insurance companies look at all these factors to determine levels of risk. When the perceived level of risk is higher, drivers will often end up paying higher premiums.

Rates by Age

In terms of age, it’s pretty simple — the younger the driver, the higher the rates. This is notable when you consider that Dallas is the number-one most-desirable city for millennials.

According to Data USA, the median age for Dallas residents is 32.4. We turned to Quadrant for age-specific rates, and here’s what we discovered among Dallas drivers:

AgeAverage Rate
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According to these stats, 60-year-old drivers are paying the lowest average rates in Dallas, at just over $2,800.

On the flip side, it’s clear that 17-year-old drivers are bearing the largest burden in premiums. At an average rate of $9,130.43, their average premiums are more than three times that of 60-year-olds.

Rates by Gender (Male vs. Female)

When it comes to gender, men are often perceived as the riskiest drivers.

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Texas does use gender, so check out the average monthly auto insurance rates by age and gender in Dallas, TX.

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In fact, experts at the Insurance Information Institute say, “Statistically, women tend to get into fewer accidents, have fewer driver-under-the-influence accidents (DUIs) and—most importantly—have less serious accidents than men. So all other things being equal, women often pay less for auto insurance than their male counterparts.”

Naturally, we wanted to know if this holds true for Dallas drivers:

GenderAverage Rate
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Turns out, the answer is yes — male drivers in Dallas are, on average, paying about $261 more than their female counterparts.

Dallas, TX auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Rates by Marital Status, Gender, & Age

There are Dallas drivers who are married and Dallas drivers who are single. 

Going back to risk, insurance companies tend to see married couples as more stable than single drivers — therefore, they will often be assessed lower rates.

We checked out the stats for both married and single drivers in Dallas:

DemographicAverage Rate
Married 60-year old female$2,760.78
Married 60-year old male$2,913.78
Married 35-year old female$2,962.03
Married 35-year old male$3,051.57
Single 25-year old female$3,643.35
Single 25-year old male$3,864.10
Single 17-year old female$8,316.61
Single 17-year old male$9,944.24
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Bottom line? Our data reveals that no matter the age of the driver, married drivers in Dallas are paying lower rates than single drivers. We find that as married drivers get older, their rates get better.

What shouldn’t be a surprise is just how high the rates among 17-year-old drivers are — with a single, 17-year-old male paying  $7,183.46 more than a married, 60-year-old female.

Cheapest Zip Codes in Dallas

When it comes to your place of residence, here’s what you need to know:

Where you live can also have a serious impact on your car insurance rates — particulary in more densely populated nieghborhoods.

In fact, notes that heavily populated areas with more cars automatically put you at a higher risk of accidents, theft, and collisions with injuries.

Check out the monthly Dallas, TX auto insurance rates by ZIP Code below:

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We took a look at the average rates for every zip code in Dallas. You can look for yours by typing in your zip code in the “search” field:

Zip CodeAverage Rate
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These stats reveal that the zip codes with the lowest average premiums are 75252 (east of the University of Texas at Dallas), and 75287 (near where the President Bush Turnpike and the Dallas North Tollway intersect). The average premiums in both zip codes are the only ones on our list that are less than $6,000 ($5,855 and $5,981, respectively).

The zip codes with the highest average premiums are 75242 (downtown Dallas), and 75207 (including parts of downtown and the Design District). Those zip codes average rates at $7,902.34 and $7,746.44, respectively.

– What’s the Best Car Insurance Company in Dallas?

Let’s be honest — for most Dallas drivers, the “best” car insurance companies will offer some of the best rates.

Which Dallas, TX auto insurance company has the cheapest rates? And how do those rates compare against the average Texas auto insurance company rates? We’ve got the answers below.

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By looking at a series of important factors — like your daily commute, coverage levels, and credit history — we’re helping you compare rates across several major car insurance providers in Dallas.

Cheapest Car Insurance Rates by Company

First thing’s first — what are the cheapest car insurance companies in Dallas? We compiled a list of the average rates offered among some of the top providers:

Dallas cheapest rates by company

It’s obvious — in looking at this data, USAA is offering the lowest average rate to Dallas drivers by far.  At an average rate of $2,842.16, USAA’s closest competitor is State Farm, at an average rate of just over $3,500.

On the flip side, both Allstate and American Famly top the higher end of this list. Allstate has the highest average rates, at nearly $6,800, followed by American Family’s average rate of $6,354.16

Best Car Insurance for Dallas Commute Rates

Get this — the U.S Department of Transportation’s Federal Highway Administration reveals that the average Texas resident drives 15,533 miles annually. It’s important information when you consider that how much you use your car can also impact your rates.

Bottom line? Experts say the more miles you drive to work, the more likely you are to end up in an accident.

On the flip side, the Insurance Information Institute refers to something called “pleasure use.” This means that if you only drive your car occasionally, insurance companies will typically assess lower rates.

We did some digging and discovered that for some car insurance companies, your long daily commute doesn’t necessarily translate into higher rates:

Insurance Provider10-mile daily commute/
6,000 miles annually
25-mile daily commute/
12,000 miles annually
Average Rate
State Farm$3,514.45$3,514.45$3,514.45
American Family$6,354.16$6,354.16$6,354.16
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Dallas drivers insured with State Farm, Nationwide, Progressive, and American Family are paying the same rates, whether their daily commute is 10 miles or 25 miles. Of this group, those with American Family are paying the highest rates at just over $6,300.

On the other hand, Dallas drivers with USAA, Geico, and Allstate are paying different rates depending on their commutes.

  • The largest gap can be seen among Allstate customers, as drivers with a 25-mile commute are paying about $332 more than those with 10-mile commutes.
  • The smallest gap can be seen among USAA customers, as drivers with a 25-mile commute are paying about $72 more than those with 10-mile commutes.

Best Car Insurance by Coverage Level Rates

It should come as no surprise  — as drivers choose to purchase more coverage, their premiums will also be higher.

Your coverage level will play a major role in your Dallas auto insurance rates. Find the cheapest Dallas, TX auto insurance rates by coverage level below:

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We compared the average rates among Dallas drivers paying for high coverage, medium coverage, and low coverage:

State Farm$3,723.44$3,501.72$3,318.20
American Family$7,025.35$6,120.53$5,916.59
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We found that, for the most part, rates decreased as the coverage levels decreased. An exception can be seen among Nationwide customers, where drivers with low coverage are actually paying higher rates.

Overall, Dallas drivers insured with USAA are paying the lowest rates across the board.

Allstate customers are paying the highest amounts across the board, with drivers with high coverage levels averaging $7,039.24.

Best Car Insurance Rates by Credit History

Question: Do car insurance providers really look at your credit score when determining rates?

Your credit score will play a major role in your Dallas auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Dallas, TX auto insurance rates by credit score below.

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Answer: Yes. In fact, according to Nationwide, 92% of all insurers now consider credit when calculating auto insurance premiums.”

What does this mean?

Drivers with lower credit scores are usually subject to higher premiums because they are seen as riskier drivers who are more likely to file claims.

What does this mean for Dallas drivers?

Well, we know that Experian’s State of Credit reports that Texas has one of the top 10 lowest VantageScores in the country, at 656. This is lower than the national average credit score of 675.

Here’s a look at average rates among Dallas drivers with good, fair, and poor credit:

Insurance ProviderGoodFairPoorAverage
State Farm$2,472.64$3,099.53$4,971.19$3,514.45
American Family$4,807.11$5,511.52$8,743.85$6,354.16
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Dallas drivers paying the highest price for poor credit are those insured with American Family. With an average rate of $8,743.85, drivers with poor credit are paying close to $4,000 more than American Family drivers with good credit.

While the lowest overall rates can be seen among drivers with USAA, the rates with the least amount of deviation between the credit categories can be seen with Progressive.

Best Car Insurance Rates by Driving Record

We agree — getting a traffic violation is bad enough. But what if your car insurance rates also go up? That can be downright difficult.

Your driving record will play a major role in your Dallas auto insurance rates. For example, other factors aside, a Dallas, TX DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Dallas, TX auto insurance rates by driving record.

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Like it or not, experiencing higher rates as a result of an infraction — whether that’s speeding, an accident, or a DUI — is a reality. And as a driver’s infractions become more serious, they can expect to feel it in their bottom line.

As for drivers living in Dallas? The numbers speak for themselves:

Insurance ProviderClean recordWith 1 Speeding ViolationWith 1 AccidentWith 1 DUIAverage
State Farm$3,113.32$3,113.32$3,583.08$4,248.08$3,648.16
American Family$5,781.97$5,781.97$7,390.43$6,462.26$6,544.89
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For the most part, drivers who have a DUI on their records are paying the highest rates. However, drivers insured with Progressive, Geico, and American Family are paying the highest rates with one accident.

As for the Dallas drivers paying the least for a clean record? That designation goes to those insured with USAA ($2,109.19). On the other hand, Dallas drivers paying the most for a DUI are those insured with Allstate ($8,480.47).

– Car Insurance Factors in Dallas

When it comes to the strength of its local economy, Dallas has a lot to brag about:

  • The Milken Institute ranked Dallas as the 5th-Best Performing City in the nation in 2019.
  • Inc. magazine named Dallas as one of the 50 best U.S. cities to start a business.
  • Business Insider ranked Dallas’s economy as the 7th best among the nation’s 40 biggest cities.

Factors affecting auto insurance rates in Dallas, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Dallas, Texas auto insurance.

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– Dallas Growth & Prosperity 

From here, we can take a look at the city’s growth and prosperity.

According to the Brookings Institution, “…growth indicators measure change in the size of a metropolitan area economy and its level of entrepreneurial activity. Growth and entrepreneurship create new opportunities for individuals and can help a metropolitan economy become more efficient.”

In studying Brookings’s 10-year Metro Monitor for Dallas, we learned something significant for the North Texas city:

Out of the nation’s 100 largest cities, Dallas ranks 6th in overall growth. 


  • Jobs in Dallas  increased 20.8 percent, ranking 7th out of 100
  • The city’s Gross Metropolitan Product (GMP) increased 33.6 percent, ranking 8th out of 100
  • The number of jobs at young firms jumped 5.5 percent, ranking 6th out of 100

Now, onto prosperity. According to Brookings, “Prosperity captures changes in the average wealth and income produced by an economy.” 

So where does that leave Dallas? According to the institution:

  • Dallas ranked 15th overall in prosperity 
  • Productivity in the city has also increased by 10.7 percent, ranking 11th out of 100
  • The standard of living has gone up by 8.7 percent, ranking 11th out of 100
  • The average annual wage is up 8.0 percent, ranking 43rd out of 100

– Median Household Income in Dallas

When it comes to the median household income for Dallas residents, here’s the good news — it’s on the rise.

Data USA reports that from 2016 – 2017, the median income in Dallas increased 7.16 percent from $47,243 to $50,627.

However, this increase is still lower than the annual U.S. median income of $60,336. As illustrated in the graph below, this figure is also less than that of Dallas County, the state of Texas, and nearby Denton and Collin Counties:

Dallas Median Household Income

If we consider that the median income in Dallas is $50,627, and the city’s average car insurance rate is $5,855.07, then we can conclude that 11.57% of the median income goes toward car insurance. 

Want to know how much of your income is going toward your premium? Simply enter your data in the free Calculator Pro tool below:


Homeownership in Dallas

Believe it or not, whether you choose to rent or own can also affect premiums. In fact,

A Consumer Federation of America study found that drivers who rent averaged annual premiums costing $112 more than drivers who own homes.

Data USA reports 39.4 percent homeownership in the city of Dallas. This figure is not only a 1.4 percent decrease from the previous year, but it’s also significantly lower than the national average of 63.9 percent. Take a look at the comparison below:

Dallas Rent vs Own

Property values are on the rise in Dallas — increasing by over $33,000 in one year to $190,600. The graph below illustrates that the largest share of Dallas homes has a property value between $300,000 and $400,000.

Dallas Property Value

Education in Dallas

Many car insurance companies will also consider whether you have a degree a factor when setting rates. This, of course, begs the question — just how educated is the city of Dallas? And what kind of post-secondary options exist in the city? lists the following as the biggest colleges and universities in the city, in order of enrollment:

  • Southern Methodist University
  • El Centro College
  • Mountain View College
  • Dallas Baptist University

Through Data USA, we also discover Dallas’s biggest colleges and universities according to the number of degrees awarded:

  • Richland College – 2,642 degrees awarded
  • El Centro College -1,498 degrees awarded
  • Dallas Baptist University – 1,408 degrees awarded
Dallas Universities Degrees awarded

Finally, here’s a list of some of the city’s most prominent community colleges:

  • Dallas Community College District
  • Mountain View College
  • El Centro College
  • Richland College
  • Cedar Valley College

Wage by Race & Ethnicity in Common Jobs

As we continue to dig deeper into the data, we want to examine some of the most commonly held jobs in Dallas, comparing the average salaries by race and ethnicity.

While data is not available at the local level, we do have state stats. According to Data USA, the highest-paid workers in the state in 2017 were Asians (average salary of $66,972), followed by whites ($53,020) and people of two or more races ($45,863).

The table below breaks down the average full-time salary earned among the most common occupations and racial/ethnic groups:

Dallas Wage by Race and Ethnicity in Common Jobs

We also created this table to give you a clearer picture of what percentage of these workers’ income is going toward their car insurance. We used the average salaries of the largest group of workers, categorized as “Miscellaneous Managers.”

Miscellaneous Managers
By Race or Ethnicity
Average SalaryPercentage of Income
Going Toward Insurance
American Indian$111,159.005.27%
Two or More Races$86,431.006.77%
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According to these numbers, American Indians categorized as “Miscellaneous Managers” are paying the lowest percentage of their income toward car insurance, at 5.27 percent.

Conversely, workers whose race and ethnicity can be defined as “other” are paying the highest percentage of their income toward car insurance, at 9.43 percent.

Wage by Gender in Common Jobs

In comparing average salaries between men and women, our data is once again specific to the entire state. In 2017, the average male salary was 1.4 times higher than that of their female counterparts — $65,834 versus $47,183.

The graph below further compares average salaries by gender, and across some of the most commonly held occupations in the state.

Dallas Wage by Gender in Common JobsWe can see that across the board, males are outpacing females in all categories. Additionally, when we compare the salaries of males and females in the “Miscellaneous Managers” category, we see women are paying a higher percentage of their income toward car insurance:

Miscellaneous Managers
By Gender
Average SalaryPercentage of Income Going Toward Insurance
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Poverty by Age & Gender

It is estimated that 21.8 percent of Dallas’s population lives below the poverty line. This is higher than the national average of 13.4 percent. Of all residents living below the poverty line, the largest demographic is females ages 25 – 34. Dallas Poverty by Age and Gender

Poverty by Race & Ethnicity

Breaking down these statistics even further, we learn that the most common racial or ethnic group living below the poverty line is white (146,455 people), followed by Hispanic (139,318 people).

Dallas Poverty by Race and Ethnicity

Employment by Occupations

What you do for a living can also result in either higher or lower premiums. Again, it all goes back to risk and whether insurance companies see you as more likely to file a claim.

So, what kind of jobs do typical Dallas residents hold? A breakdown of the city’s workforce is illustrated in the table below, by category:

Dallas Employment by Occupations

The most common job groups in Dallas are:

  • Other Management Occupations Except Farmers, Ranchers, & Other Agricultural Managers (34,514 people)
  • Building Cleaning & Pest Control Workers (24,658 people)
  • Construction Trades Workers Except Carpenters, Electricians, Painters, Plumbers, & Construction Laborers (20,006 people)

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Driving in Dallas

With seven major interstates, countless connecting roads, and plenty of traffic — we understand that driving in Dallas can seem intimidating. But the more informed you are as a driver, the better equipped you will be in braving the city’s busiest roads.

Knowing which stretches are tolled and which ones tend to be congested doesn’t have to remain a mystery. Keep reading, and we’ll fill you in on all of the need-to-know details.

Roads in Dallas

In a city of well over one million residents and countless communities, interstate travel is inevitable. The question for Dallas drivers is, just how many interstates can they expect to encounter?

Major Highways in Dallas

Dallas map - Open Street Map

According to the Interstate Guide, the state of Texas has 25 active routes spanning over 3,500 miles.

Seven of those interstates course through the city of Dallas —  I-20,  I-30, I-35, I-35E, I-45, I-345, and I-635. Here’s a look at each:

Interstate 20 begins in West Texas, passes through Dallas, and ends in South Carolina.

Interstate 30 begins in Forth Worth, connecting the DFW metroplex with Arkansas.

Interstate 35 begins in Laredo, Texas, comes through Dallas, and spans all the way to Minnesota.

Interstate 35E serves an extension of I-35 in the Dallas-Fort Worth area.

Interstate 45 connects the Dallas-Fort Worth area with Houston and the state’s Gulf Coast.

Interstate 345 is a shorter route, beginning and ending in Dallas

Interstate 635 is also known as the Lyndon B. Johnson Freeway. It connects the northern and eastern sides of the city.

With an abundance of interstate travel, Dallas residents are likely to encounter toll roads. Here’s a list specific to Dallas, according to the TxTag website:

Base toll rates along these roads will vary, with some stretches of road costing as little as 20 cents, and others high as a couple of dollars. What you pay will depend on the distance you drive, when you drive, and at times, the type of vehicle you’re driving.

You can learn more about rates and obtaining a prepaid TxTag for your car by clicking here.

– Popular Road Trips and Sites in Dallas

According to VisitDallas, the city hosts nearly 25 million visitors annually. Some of the city’s attractions include:

Finally, you can check out this Expedia Travel Guide video for more inspiration:


Road Conditions in Dallas

We get it — nothing is more frustrating than your car falling victim to roads full of potholes, cracks, and uneven surfaces.

To learn more about Dallas’s roads, we turned to TRIP, a national transportation research group, and its 2018 Urban Roads Report. Based on the group’s analysis, it appears the condition of Dallas’s roads is pretty evenly split among those that are in good, fair, mediocre, or poor shape:

  • Poor Condition — 21%
  • Mediocre Condition — 31%
  • Fair Condition — 20%
  • Good Condition — 28%
  • Vehicle Operating Costs (V0C) — $609

Dallas Speeding & Red Light Cameras

As of June 2, 2019, Texas Governor Greg Abbot signed legislation banning the use of red-light cameras in the state. Some communities will be permitted to keep their cameras up through the end of their contracts. However, in the city of Dallas, red-light camera enforcement has been terminated in accordance with the governor’s legislation.

Vehicles in Dallas

Before you assume the vehicle culture in Dallas is all about big trucks — think again.

Now, we’re taking a closer at the most popular vehicle among Dallas drivers (hint: it may surprise you), as well as key stats surrounding vehicle theft and local crime.

– Most Popular Vehicles Owned 

We checked with YourMechanic and discovered the most popular car among drivers in Dallas, Texas, is the Dodge Challenger.

How does the Dodge Challenger fare in terms of safety ratings and fuel economy?

  • The Insurance Institute for Highway Safety gives the 2019 Dodge Challenger predominantly high marks across the board, but with some “poor” marks on its driver’s side safety tests.
  • (of the U.S. Department of Energy) reports that the fuel economy of Dodge Challengers ranges from 16 – 23 miles per gallon (combined city and highway), depending on its size and engine.

Number of Cars per Household

How many cars does the average Dallas household own? According to Data USA, the highest share of Dallas households owns two cars (illustrated in orange in the graph below).

Dallas Car Ownership

Households Without a Car

As for the number of Dallas households without a car, that number is on the decline.

Our data shows that from 2015 – 2016, the city saw a slight dip in the percentage of households that do not have a car, from 10.2 to 9.1 percent. Conversely, the city also saw a slight increase in the average number of cars per household.

YearPercentage of Households
Without Vehicles
Vehicles Per
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Speed Traps in Dallas

The National Motorists Association manages a database of speed traps at This database relies heavily on driver feedback and submissions.

We discovered that in its list of the 10 Worst Texas Speed Trap Cities, Dallas landed at ninth place with seven speed traps. The community of Palmer, which is a suburb of the Dallas-Fort Worth metroplex, grabbed the sixth spot, also with seven speed traps.

Vehicle Theft in Dallas

According to the FBI’s Uniform Crime Reporting Program, Dallas ranks second in the state for vehicle theft.

With just over 7,300 vehicles reported stolen in 2013, Dallas is surpassed only by Houston, which saw 13,595 vehicle thefts that same year.

Safest Neighborhoods in Dallas

For the Dallas resident, there’s no doubt about it — neighborhood safety is important.

We checked in with Neighborhood Scout, a search engine that provides national Crime Risk Data in several categories. Here’s Neighborhood Scout’s list of the safest communities in Dallas:

Violent Crime Comparisons Per 1,000 Residents

In comparing Dallas’s rate of violent crime per 1,000 residents to the rest of the state, we found a higher rate in Dallas — 7.75 versus the national 4.39.

Dallas vs Texas violent crime comparison

The chances of becoming a crime victim in Dallas are also higher than the state’s averages — one in 129 in the city, compared to one in 228 at the state level.

Finally, Neighborhood Scout’s Crime Index ranks cities with a number between 0 and 100, with 100 being the safest. In the city of Dallas, the Crime Index is 9, meaning the city is safer only than 9 percent of US cities — certainly not the most desirable ranking.

Here’s a breakdown of the city’s annual crimes:

Number of Crimes10,39143,42153,812
Crime Rate
(per 1,000 residents)
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– Traffic

Nothing is less appealing to a Dallas driver than spending hours stuck in standstill traffic. It’s why we’re digging into Dallas’s congestion and seeing how traffic in this city compares to other large communities.

Traffic Congestion in Dallas

INRIX is a leading authority in studying congestion trends all over the world. In reviewing its annual Global Traffic Scorecard, we found that Dallas, along with a few other Texas cities, made its list.

Here’s a breakdown of its ranking, the estimated time lost in congestion, and the estimated cost of congestion to drivers:

RankHours Lost
in Congestion
Cost of Congestion
Per Driver
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While Dallas’s rank remained unchanged from 2017 to 2018, the number of hours drivers spent in congestion went down significantly — from 153 hours to 76 hours. By the way, both Houston and Austin also made the list, ranking 77th and 84th respectively.

 – Transportation

For many Dallas drivers, the bulk of their time spent tied up in traffic happens during their daily commute. It turns out that drivers in Dallas have a longer commute time than the average U.S. worker, at 26.6 minutes (compared to 25.5).

And still, there are some drivers who have even longer commutes. It’s estimated that about 2.01 percent of the Dallas workforce has a “super commute,” exceeding 90 minutes.

Dallas Commute Time (1)

Given the amount of congestion on its roads, one might figure that more Dallas drivers are turning to carpools or even public transportation.

Not the case.

Statistics show that 75.9 percent of all Dallas motorists drive alone, compared to 11.7 percent who carpool. 

Dallas Commuter Transportation

Busiest Highways

It’s pretty clear — Dallas has a lot of busy roads. But are they busier than other roads in the rest of the state? According to the Texas A&M Transportation Institute, the answer is yes.

In its compilation of the state’s most congested roadways, three Dallas road segments crack the top 10: 

State RankingRoad SegmentFromTo2017 Ranking
4Woodall Rodgers Fwy /
SS 366
US 75N Beckley Ave4
8Stemmons Fwy /
IH 35E / US 77
John W Carpenter /
SH 183
Tom Landry Fwy / IH 306
9US 75LBJ / IH 635Woodall Rodgers Fwy /
SS 366
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How Safe Are Dallas’s Streets and Roads?

How safe Dallas’s streets and roads are can in many ways be traced back to statistics. In taking a closer look at data provided by the National Highway Traffic Safety Administration (NHTSA), we can begin to see just how frequently road-related fatalities are happening throughout Dallas County:

First, we’re looking at fatal crashes countywide. After seeing a spike in fatalities from 2015 – 2016, we see a noticeable decrease from 2016 – 2017. 

Dallas County20132014201520162017
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In looking at fatalities in crashes involving an alcohol-impaired driver (with a blood-alcohol content of over .08), we also see a noticeable spike from 2015 – 2016, followed by a decrease from 2016 – 2017.

Dallas County20132014201520162017
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The number of single-vehicle crash fatalities has seen its ups and downs, and most recently a decrease between 2016 and 2017. 

Dallas County20132014201520162017
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The same can be said for fatalities in crashes involving speeding, with ups and downs between 2013 and 2016 and a decline between 2016 and 2017. 

Dallas County20132014201520162017
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Concerning fatalities in crashes involving a roadway departure, we see that fatalities in 2017 are at their lowest in three years. 

Dallas County20132014201520162017
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Some of the county’s lowest fatality numbers can be seen among crashes involving an intersection, or that are intersection-related. That being said, the number of fatalities increased from 2016 – 2017. 

Dallas County20132014201520162017
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The number of passenger car occupant fatalities has gone up and down from 2013 – 2017, with numbers decreasing from 2016 – 2017. 

Dallas County20132014201520162017
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Pedestrian fatalities increased steadily from 2013 – 2016 but decreased in 2017. 

Dallas County20132014201520162017
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Finally, despite some fluctuation in previous years, the county saw one pedalcylclist fatality in 2017, which was down from three in 2016. 

Dallas County20132014201520162017
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For data dealing with specific road types, we can glean information from the NHTSA’s Fatality Analysis Reporting System (FARS)Here are some definitions to keep in mind:

  • An arterial road carries large amounts of traffic, like highways.
  • Minor arterials are smaller roads linking cities, towns, and geographical areas.
  • collector road in urban areas “collects” local traffic to arterial roads. In rural areas, collector roads serve as intra-county connections.

Here’s a look at the stats for Dallas County, compared to the rest of the state:

Road TypeFatalities in Dallas CountyFatalities in Texas
Rural Interstate2176
Urban Interstate72402
Freeway and Expressway43260
Minor Arterial46652
Collector Arterial26600
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Finally, here’s a look at railroad crash data provided by the U.S. Department of Transportation:

Highway User SpeedHighwayHighway User TypeRail Equipment TypeNon-Suicide FatalityNon-Suicide Injury
15SW 23RD STREETAutomobileFreight Train01
10LAPSEY STREETAutomobileFreight Train00
2MCARTHUR BLVDAutomobileFreight Train00
1VAUGHAN MEMORIAL DRIPick-up truckFreight Train00
10OLD PORTLAND ROADAutomobileFreight Train00
10PLANO PKWYAutomobileFreight Train00
COUNTY LINE RDTruck-trailerFreight Train00
0SW 19TH STREETTruck-trailerFreight Train00
IH 0035AutomobileFreight Train00
8W KINGSLEY ROADAutomobileFreight Train00
10CEDAR SPRINGSAutomobileFreight Train00
5MECHANIC STREETAutomobileFreight Train01
10IRBY LANEAutomobileC10
I-35 FRNTG RDPick-up truckFreight Train00
10TRINITY MILLS RDAutomobileMaint/Insp Car00
30COMMUNITY DRIVEAutomobilePsgr Train01
1Jupiter RoadTruck-trailerFreight Train00
0SE 14THAutomobileFreight Train00
0W KINGSLEY ROADAutomobileFreight Train00
05TH STREETAutomobileFreight Train00
12CEDAR SPRINGS ROADAutomobileFreight Train00
10COAutomobileFreight Train10
WESTMORELAND ROADPick-up truckFreight Train00
10CENTERVILLE ROADAutomobileFreight Train00
20BRITAIN ROADAutomobileFreight Train00
0LAREUNION PARKWAYAutomobileLight Loco(s)00
25WESTMORELAND ROADPick-up truckFreight Train01
0I35 FRNTG RDTruck-trailerFreight Train00
0BROADWAY ST.AutomobileFreight Train00
SW 19TH STREETPedestrianFreight Train01
I-35 FRNTG ROADTruck-trailerFreight Train01
10SHILOH ROADAutomobileFreight Train00
0IRBY LANEPick-up truckC00
10IH 0635 WE FRNGAutomobileFreight Train01
0I-35 FRNTG RDAutomobileFreight Train01
5NORTHSIDE DRPick-up truckFreight Train00
10N BRITAIN RDAutomobileFreight Train00
0I - 35 FRNTG RDAutomobileFreight Train00
15CEDAR SPRINGSAutomobileFreight Train00
20CEDAR SPRINGS RDAutomobileFreight Train00
3SHILOH ROADTruck-trailerSpecial MOW Eq00
5PRIVATEAutomobileFreight Train00
0NURSERY ROADAutomobileCommuter00
0NB-SH 161 FTG RDTruck-trailerFreight Train02
I-35 FRNTG RDAutomobileFreight Train00
05TH STREETAutomobileFreight Train01
5LAMAR STAutomobileFreight Train00
15EBRITE STREETAutomobileSpecial MOW Eq01
MEDICAL MARKET ROADPedestrianCommuter10
0NORWOOD ROADAutomobileCommuter00
10*PRIVATETruck-trailerPsgr Train14
WEST WESTMORELAND RDPick-up truckFreight Train00
10SUNDAY ST.AutomobilePsgr Train00
0ADAMS STTruck-trailerFreight Train00
SH 161 NORTH ACCESSAutomobileFreight Train01
7PRIVATE MESQUITE YARTruck-trailerFreight Train00
0JIM MILLER RDAutomobileFreight Train00
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Allstate’s America’s Best Drivers Report

Here’s a question — are Dallas drivers better or worse than other drivers throughout the country?

While you probably have your own opinion, Allstate has taken this question to task through its annual “America’s Best Driver’s” Report.

Here are the results for the city of Dallas:

2019 Best Drivers Report
Average Years Between
2018 Best Drivers Report
Change from 20186
Relative Collision Likelihood46.5%
Drivewise® HardBraking
Events per 1,000 Miles
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The good news is that Dallas’s ranking increased six spots in just one year. The not-so-good news is that its 172nd-place ranking is out of 200 cities, leaving plenty of room for improvement.

Ridesharing in Dallas

The use of ridesharing companies appears to be on the rise in Dallas — so much so, new companies are taking root in the city.

We went to RideGuru to see what companies are available to Dallas drivers. They are:

  • Uber
  • Lyft
  • Traditional Taxi Services

In performing some basic searches on the site, we found that the rates among Uber, Lyft and traditional taxis were often comparable. A good rule of thumb for any Dallas resident looking to utilize a rideshare service will be to compare rates ahead of time.

E-star Repair Shops

Getting into a car accident is tough. But finding a reputable repair shop for your car? Sometimes, that can be even tougher.

With the Esurance E-star Direct Repair Program, Dallas drivers looking for a repair shop can search their database for establishments that have already been vetted.

We searched the E-star site using Dallas zip code 75202, and received this list of recommended shops:

Shop NameAddressContact
1215 US HIGHWAY 80
email: [email protected]
P: (972) 285-3480
email: [email protected]
P: (214) 352-4041
F: (972) 906-7164
email: [email protected]
P: (214) 371-4495
F: (800) 214-2373
email: [email protected]
P: (214) 210-0968
F: (214) 210-0974
email: [email protected]
P: (972) 681-0859
F: (817) 887-4167
email: [email protected]
P: (972) 298-9942
F: (972) 906-7164
11565 REEDER RD.
email: [email protected]
P: (972) 247-1212
F: (800) 214-2373
P: (949) 224-0300
email: [email protected]
P: (214) 553-4554
F: (800) 214-2373
email: [email protected]
P: (972) 572-5227
F: (800) 214-2373
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Weather in Dallas

Mention the state of Texas, and most will likely associate the Lone Star State with its scorching summer heat. While a hot summer tends to be the norm in Dallas, the rest of the year can be quite pleasant.

Here’s a look at the average climate in Dallas according to U.S. Climate Data:

Dallas, TX ClimateAverages
Annual High Temperature77.1°F
Annual Low Temperature51.5°F
Average Temperature64.3°F
Average Annual
Precipitation - Rainfall
40.97 inches
Average Annual
Precipitation - Snow
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What’s of particular note is the amount of rainfall seen in the city each year. And if you think Dallas never experiences snow — think again! The news report below illustrates that the North Texas city has been known to get an occasional snow storm: 

And then there are natural disasters. According to City-Data, Dallas county has had 19 recorded natural disasters — including storms, hurricanes, floods, and tornadoes. Knowing that Dallas isn’t immune to unexpected weather events should point to the importance of purchasing comprehensive car insurance coverage for your car.

Public Transit in Dallas

If you’re looking for public transit in Dallas, you’re in luck — the Dallas Area Rapid Transit (DART) offers a variety of ways to ride:

DART fares will vary depending on where you’re going, but here’s an overview:

  • Day Passes can be used for an unlimited number of rides on the day purchased, through 3 a.m. the next day. They can be purchased on buses, Ticket Vending Machines (TVM), and from the GoPass app. Rates are as follows:
    • Local: $6
    • Regional: $12
    • Reduced: $3
  • Single Ride can only be used on DART buses. Rates are cash only and for one-way travel. Rates are as follows:
    • Local: $2.50
    • Reduced: $1.25
  • Monthly Passes are available for purchase through the GoPass app. Rates are as follows:
    • Local: $96
    • Regional: $192
    • Reduced: $48

For more detailed information about fares and downloading the GoPass app, visit the DART page.

Alternate Transportation

Scooters and bikes in the city of Dallas? You got it!

Popular bike and scooter rental programs Lime and Bird are both up and running in Dallas.

Rental rates generally begin with a $1 unlocking fee and a small per-minute fee afterward. Taking advantage of either service begins with downloading their respective apps, and using them to locate available scooters in your city.

Parking in Metro Areas

It’s no secret that parking in large cities like Dallas can be challenging. Drivers want to do all that is necessary to avoid tickets and fines.

When it comes to how Dallas drivers can pay for the city’s 4,500+ parking meters, the answer is becoming pretty high-tech. The city of Dallas uses Parkmobile as its mobile parking payments vendor. Taking advantage of this mobile payment option begins with downloading the app to your phone.

According to Parkopedia, parking meters in downtown Dallas are enforced Monday – Sunday 7 a.m. to 6 p.m., with prices ranging from $0.50 – $2/hour.

To look for available parking spots, you can visit the ParkMe site, powered by INRIX.

Air Quality in Dallas

In speaking to air quality, we turn to the Union of Concerned Scientists. Experts share that, “transportation emits more than half of nitrogen oxides in our air,” and that vehicles are a “major source of global warming emissions in the US.” Putting it simply,

Cars play a major role in any city’s air quality — for better, or for worse.

So, what of the air quality in Dallas? We looked at stats from the United States Environmental Protection Agency:

Air Quality in Dallas-
Fort Worth-Arlington, TX
Days with Air
Quality Index
Good Days186192217
Moderate Days143149131
Days Unhealthy for
Sensitive Groups
Days Unhealthy9-1
Days Very Unhealthy---
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Looking at this data reveals some important trends:

  • The number of “Good Days” has decreased since 2016.
  • The number of days considered “Unhealthy for Sensitive Groups” increased from 2017 to 2018.
  • However, the number of moderate days decreased in that same time period.
  • Finally, while there are no listed “Very Unhealthy Days,” in this time period, the number of “Unhealthy Days” jumped dramatically from zero in 2017 to nine in 2018.

Military Veterans

Because military families face a unique set of living arrangements and challenges, having the right car insurance is paramount. The good news for Dallas residents with military ties? You have options, and finding them doesn’t have to be difficult. Keep reading as we reveal more:

– Veterans in Dallas

Did you know that Texas ranks second in the nation in the number of total active duty and reserve members of the military living in the state?

Statistics also reveal that in the city of Dallas, the greatest number of military personnel served in Vietnam, followed by the Gulf War.

Dallas Veterans

Military Bases

Dallas is not currently home to any military bases, as Naval Air Station (NAS) Dallas was decommissioned in September 1998. The nearest military base is NAS Fort Worth, Joint Reserve Base (JRB) at Carswell.

Military Discounts by Provider

A number of car insurance providers do offer discounts to military personnel living in Texas. They are:

  • Geico
  • USAA
  • Liberty Mutual
  • Allstate
  • Farmers
  • MetLife
  • Safeco

USAA Availability in Dallas

USAA is a car insurance provider many in the military will turn to, as it is known for exclusively serving members of the military community and their relatives. We compared USAA’s average rates against the top providers in Texas:

Austin, Texas Average Annual Car Insurance Rates for Military Personnel
Insurance ProviderAverage Annual PremiumHigher/Lower than
State Average
Percentage Higher/Lower
than State Average
American Family$4,848.72$805.4419.92%
State Farm$2,879.94-$1,163.34-28.77%
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It’s evident that USAA not only holds the distinction of having the lowest average rate on this list, but USAA is also the furthest below the state average — costing about $1,500 (or 38.47 percent) less.

Unique City Laws

What’s legal for drivers in one city, may not be legal for drivers living in another. Knowing the unique laws that govern Dallas’s roads is important, and will keep you on the right side of the law.

We get it — trying to sort through the legalese and technical terms isn’t an easy task. But what is easy is sticking with this guide as we wrap up with some important rules and regulations.

  Hands-Free Laws

Here’s what you need to know: in the state of Texas, it is illegal to text and drive.

Furthermore, it is also illegal to use handheld devices while driving in a school zonea law that Dallas was one of the first in the state to implement.

According to the Texas Department of Transportation, some additional restrictions include:

  • Drivers with learner’s permits cannot use handheld cell phones in the first six months of driving.
  • Drivers under the age of 18 cannot use wireless communications devices.
  • School bus operators cannot use cell phones while driving if children are present.

Food Trucks in Dallas

There’s no question — food trucks are growing in popularity all across the nation. In the city of Dallas, operating a food truck means following a specific set of rules.

Before any food truck hits the road in Dallas, owners must first meet with the city’s Consumer Health Division to submit for a mobile food unit plan review or an application for a new health permit. You are asked to schedule an appointment by phone at 214-670-8083.

Tiny Homes in Dallas

Tiny homes are beginning to make big waves in Dallas. This can be seen in the Lake Dallas Tiny Home Village. The new community broke ground in February 2019, but not without encountering its share of permitting roadblocks:

We also came across this news report, showcasing a Tiny House community for homeless residents:

Bottom line — Tiny Homes are legal in the state, but it’s important to first consult with the city’s local ordinances, and check up on your insurance requirements.

Dallas Parking Laws

Knowing where to park, and where not to park, can save you a lot in headaches, tickets, and fines. According to Dallas police:

  • All cars must be parked on what’s called “an improved surface” – meaning concrete, asphalt, or six inches of gravel with a border.
  • To elaborate, cars can be parked: in a driveway, on the street (if permitted), or on a yard surface that’s been transformed into an “improved surface” (as previously mentioned).
  • It is not legal to park in a yard or on the grass.

Here’s another warning —

  • Vehicles parked in the city’s public right of way that have outstanding violations are subject to being immobilized
  • Any car parked on the street for more than 24 hours, causing a traffic safety hazard, or that’s been booted for unpaid fines, is subject to being towed and impounded.

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Dallas Car Insurance FAQs

Licenses, car insurance, and the cost of living. For those with additional questions about driving and living and Dallas, we’ve compiled this list of frequently asked questions:

How Do I Get a Driver’s License in Dallas?

How you go about getting a driver’s license in Dallas will depend on whether you are a new resident from out of state, or if you’re a new resident from another Texas city.

If you’re new to Texas, state law says that you “can legally drive with a valid, unexpired driver license from another U.S. state, U.S. territory, Canadian province, or qualifying country for up to 90 days after moving to Texas.” 

Before that 90-day period is up, you need to apply for a Texas license in person at any driver’s license office. At that time, you must surrender your previous license. You’ll need to provide several documents verifying your identity. To learn more about the process, click here. 

If you’re not new to the state, but simply new to Dallas, you’ll need to change the address on your license within 30 days of moving. This can be done online, in person, or by mail. Learn more here.

How Much Car Insurance Do I Need in Dallas?

According to the Texas Department of Insurance, the state requires 30/60/25 coverage. In other words:

  • $30,000 in Bodily Injury liability per person
  • $60,000 in total Bodily Injury liability per accident
  • $25,000 Property Damage liability

Is Living in Dallas Expensive?

This question may be best answered by presenting data from Payscale. According to the site, the average salary in Dallas is $60,338. In addition:

  • The cost of living in Dallas is 2 percent higher than the national average.
  • The city’s housing expenses are 5 percent higher than the national average.
  • Its utility prices are 4 percent higher than the national average.

When comparing the cost of living in Dallas to the average city, it appears that there is an increase, but only slight.

Are There Airports in Dallas?

There are two major airports in Dallas — DFW International and Dallas Love Field.

You’ve officially reached the end of our complete guide to car insurance in Dallas.

Now is the time to begin shopping around for the best car insurance rates. Comparing is easy — just enter your zip code into our free comparison tool now.



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