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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UPDATED: Jun 12, 2020
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|Dallas, TX Overview||Stats|
|City Density||3,848 people per square mile
|Average Cost of Insurance in Dallas||$5,855.07|
|Cheapest Car Insurance Company||USAA|
|Road Conditions||Poor - 21%
Vehicle Operating Costs (V0C) $609
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 Bureau, no 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.
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.
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:
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.
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:
Turns out, the answer is yes — male drivers in Dallas are, on average, paying about $261 more than their female counterparts.
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:
|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|
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, MoneyCrashers.com notes that heavily populated areas with more cars automatically put you at a higher risk of accidents, theft, and collisions with injuries.
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 Code||Average Rate|
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.
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:
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 Provider||10-mile daily commute/|
6,000 miles annually
|25-mile daily commute/|
12,000 miles annually
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.
We compared the average rates among Dallas drivers paying for high coverage, medium coverage, and low coverage:
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?
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:
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.
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 Provider||Clean record||With 1 Speeding Violation||With 1 Accident||With 1 DUI||Average|
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.
– 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:
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:
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.
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?
City-Data.com 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
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:
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.”
By Race or Ethnicity
|Average Salary||Percentage of Income
Going Toward Insurance
|Two or More Races||$86,431.00||6.77%|
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.
We 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:
|Average Salary||Percentage of Income Going Toward Insurance|
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.
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).
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:
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
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
- The Dallas Arboretum and Botanical Gardens, known as one of the top arboretums in the world.
- The Dealey Plaza not only marks “the birthplace of Dallas,” but it’s also the location where President John F. Kennedy was assassinated.
- Union Station is a well-known landmark in Dallas.
- The Texas Sculpture Garden is recognized as “the largest private collection of contemporary Texas sculpture.”
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
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.
- FuelEconomy.gov (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).
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.
|Year||Percentage of Households |
Speed Traps in Dallas
The National Motorists Association manages a database of speed traps at Speedtrap.org. 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.
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.
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:
|Dallas Annual Crimes||VIOLENT||PROPERTY||TOTAL|
|Number of Crimes||10,391||43,421||53,812|
|Crime Rate |
(per 1,000 residents)
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:
|Rank||Hours Lost |
|Cost of Congestion
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.
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.
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.
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 Ranking||Road Segment||From||To||2017 Ranking|
|4||Woodall Rodgers Fwy / |
|US 75||N Beckley Ave||4|
|8||Stemmons Fwy / |
IH 35E / US 77
|John W Carpenter / |
|Tom Landry Fwy / IH 30||6|
|9||US 75||LBJ / IH 635||Woodall Rodgers Fwy / |
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.
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.
The number of single-vehicle crash fatalities has seen its ups and downs, and most recently a decrease between 2016 and 2017.
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.
Concerning fatalities in crashes involving a roadway departure, we see that fatalities in 2017 are at their lowest in three years.
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.
The number of passenger car occupant fatalities has gone up and down from 2013 – 2017, with numbers decreasing from 2016 – 2017.
Pedestrian fatalities increased steadily from 2013 – 2016 but decreased in 2017.
Finally, despite some fluctuation in previous years, the county saw one pedalcylclist fatality in 2017, which was down from three in 2016.
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.
- A 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 Type||Fatalities in Dallas County||Fatalities in Texas|
|Freeway and Expressway||43||260|
Finally, here’s a look at railroad crash data provided by the U.S. Department of Transportation:
|Highway User Speed||Highway||Highway User Type||Rail Equipment Type||Non-Suicide Fatality||Non-Suicide Injury|
|15||SW 23RD STREET||Automobile||Freight Train||0||1|
|10||LAPSEY STREET||Automobile||Freight Train||0||0|
|2||MCARTHUR BLVD||Automobile||Freight Train||0||0|
|1||VAUGHAN MEMORIAL DRI||Pick-up truck||Freight Train||0||0|
|10||OLD PORTLAND ROAD||Automobile||Freight Train||0||0|
|10||PLANO PKWY||Automobile||Freight Train||0||0|
|COUNTY LINE RD||Truck-trailer||Freight Train||0||0|
|0||SW 19TH STREET||Truck-trailer||Freight Train||0||0|
|IH 0035||Automobile||Freight Train||0||0|
|8||W KINGSLEY ROAD||Automobile||Freight Train||0||0|
|10||CEDAR SPRINGS||Automobile||Freight Train||0||0|
|5||MECHANIC STREET||Automobile||Freight Train||0||1|
|I-35 FRNTG RD||Pick-up truck||Freight Train||0||0|
|10||TRINITY MILLS RD||Automobile||Maint/Insp Car||0||0|
|30||COMMUNITY DRIVE||Automobile||Psgr Train||0||1|
|1||Jupiter Road||Truck-trailer||Freight Train||0||0|
|0||SE 14TH||Automobile||Freight Train||0||0|
|0||W KINGSLEY ROAD||Automobile||Freight Train||0||0|
|0||5TH STREET||Automobile||Freight Train||0||0|
|12||CEDAR SPRINGS ROAD||Automobile||Freight Train||0||0|
|WESTMORELAND ROAD||Pick-up truck||Freight Train||0||0|
|10||CENTERVILLE ROAD||Automobile||Freight Train||0||0|
|20||BRITAIN ROAD||Automobile||Freight Train||0||0|
|0||LAREUNION PARKWAY||Automobile||Light Loco(s)||0||0|
|25||WESTMORELAND ROAD||Pick-up truck||Freight Train||0||1|
|0||I35 FRNTG RD||Truck-trailer||Freight Train||0||0|
|0||BROADWAY ST.||Automobile||Freight Train||0||0|
|SW 19TH STREET||Pedestrian||Freight Train||0||1|
|I-35 FRNTG ROAD||Truck-trailer||Freight Train||0||1|
|10||SHILOH ROAD||Automobile||Freight Train||0||0|
|0||IRBY LANE||Pick-up truck||C||0||0|
|10||IH 0635 WE FRNG||Automobile||Freight Train||0||1|
|0||I-35 FRNTG RD||Automobile||Freight Train||0||1|
|5||NORTHSIDE DR||Pick-up truck||Freight Train||0||0|
|10||N BRITAIN RD||Automobile||Freight Train||0||0|
|0||I - 35 FRNTG RD||Automobile||Freight Train||0||0|
|15||CEDAR SPRINGS||Automobile||Freight Train||0||0|
|20||CEDAR SPRINGS RD||Automobile||Freight Train||0||0|
|3||SHILOH ROAD||Truck-trailer||Special MOW Eq||0||0|
|0||NB-SH 161 FTG RD||Truck-trailer||Freight Train||0||2|
|I-35 FRNTG RD||Automobile||Freight Train||0||0|
|0||5TH STREET||Automobile||Freight Train||0||1|
|5||LAMAR ST||Automobile||Freight Train||0||0|
|15||EBRITE STREET||Automobile||Special MOW Eq||0||1|
|MEDICAL MARKET ROAD||Pedestrian||Commuter||1||0|
|WEST WESTMORELAND RD||Pick-up truck||Freight Train||0||0|
|10||SUNDAY ST.||Automobile||Psgr Train||0||0|
|0||ADAMS ST||Truck-trailer||Freight Train||0||0|
|SH 161 NORTH ACCESS||Automobile||Freight Train||0||1|
|7||PRIVATE MESQUITE YAR||Truck-trailer||Freight Train||0||0|
|0||JIM MILLER RD||Automobile||Freight Train||0||0|
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:
|Allstate AMERICA'S BEST|
DRIVERS REPORT® 2019
|2019 Best Drivers Report|
|Average Years Between|
|2018 Best Drivers Report|
|Change from 2018||6|
|Relative Collision Likelihood||46.5%|
Events per 1,000 Miles
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:
- 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:
|SERVICE KING |
|1215 US HIGHWAY 80|
MESQUITE TX 75150
P: (972) 285-3480
|CALIBER - DALLAS||3201 MANOR WAY|
DALLAS TX 75235
P: (214) 352-4041
F: (972) 906-7164
|SERVICE KING |
|3504 MARVIN D. LOVE|
DALLAS TX 75224
P: (214) 371-4495
F: (800) 214-2373
|SERVICE KING |
|10720 N CENTRAL EXPY|
DALLAS TX 75231
P: (214) 210-0968
F: (214) 210-0974
|TROPHY NISSAN |
|4930 N GALLOWAY AVE|
MESQUITE TX 75150
P: (972) 681-0859
F: (817) 887-4167
|CALIBER - DUNCANVILLE||978 NORTH HWY 67|
CEDAR HILL TX 75104
P: (972) 298-9942
F: (972) 906-7164
|SERVICE KING |
NORTH WEST DALLAS
|11565 REEDER RD.|
DALLAS TX 75229
P: (972) 247-1212
F: (800) 214-2373
|2941 LAKE VISTA DRIVE|
LEWISVILLE TX 75067
|P: (949) 224-0300|
|SERVICE KING |
NORTH EAST DALLAS
|10841 ESTATE LANE|
DALLAS TX 75238
P: (214) 553-4554
F: (800) 214-2373
|8653 S HAMPTON RD|
DALLAS TX 75232
P: (972) 572-5227
F: (800) 214-2373
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 Climate||Averages|
|Annual High Temperature||77.1°F|
|Annual Low Temperature||51.5°F|
|Average Annual |
Precipitation - Rainfall
|Average Annual |
Precipitation - Snow
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 Buses
- DART Rail
- Trinity Railway Express (TRE) Commuter Rail
- FLEX Service
- Dallas Streetcar
- M-Line Trolley” target=”_blank” rel=”noopener”
- Paratransit Services
- Bike Information
- Transportation Assistance Programs
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.
Scooters and bikes in the city of Dallas? You got it!
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 |
|Days Unhealthy for |
|Days Very Unhealthy||-||-||-|
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.
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 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:
- Liberty Mutual
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:
|Insurance Provider||Average Annual Premium||Higher/Lower than |
than State Average
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.
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 zone — a 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.
New truck owners must also meet several requirements, which include having a current driver’s license, proof of six months’ liability insurance, two sets of blueprints, and fees. To see the full, detailed list, click here.
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:
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?
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.