Essential Dallas Auto Insurance Guide [Companies & More]

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Chris Harrigan
Former Insurance Claims Managerhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/cicompaniescom-live/1f43458a-chris-harrigan.jpg

UPDATED: Mar 13, 2020

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Dallas, TX, Statistics 
Population1,317,942
Density3,848 people per square mile
Average Cost of Insurance in Dallas$2,837.28
Cheapest Car Insurance CompanyUSAA
Road ConditionsPoor: 21%
Mediocre: 31%
Fair: 20%
Good: 28%

Dallas, Texas is home to a population of over 1.34 million people as of 2017. That substantial population includes a passionate community of football fans, alongside burgeoning professionals, college students, and well-established residents.

When you visit Dallas, you’re entering one of Texas’s urban centers. With increased urbanization, however, comes more cars. While most people living in cities are accustomed to sitting in traffic, that doesn’t make it any less frustrating.

And along with traffic comes the need for car insurance, especially in a place like Dallas. You’re going to be maneuvering through a city of over 1 million people – if you’re going to keep your car safe, then you need coverage that suits your lifestyle.

Don’t start to sweat yet, though. You don’t have to go digging through car insurance information on your own. Our guide to car insurance in Dallas, Texas will help you better understand what providers operate in the area, what coverage they offer, what discounts you can use, and more.

Want to get started on your car insurance journey? You can use our FREE online tool to compare the rates available in your area. Just enter your ZIP code to get started.

Table of Contents

The Cost of Car Insurance in Dallas

Let’s start with the age-old question: what factors are going to contribute to the changes in my car insurance? As it turns out, there are a number of factors that car insurance providers consider when setting their rates. Let’s explore those variables and see where, roughly, your premiums may fall if you live in Dallas.

Male vs. Female vs. Age

The myths surrounding gender and car insurance vary. Many claim that women have to pay more for their coverage due to being poor drivers, while others suggest that men have to pay more due to their reckless behavior on the road.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleAverage
Allstate$4,419.08$4,454.08$4,364.72$4,364.72$11,617.73$14,008.53$5,451.72$5,668.95$6,793.69
American Family$3,798.52$4,238.09$3,508.73$4,035.51$10,138.75$13,345.28$5,489.27$6,279.10$6,354.16
Geico$2,871.14$3,104.28$2,768.23$3,146.90$6,389.64$6,635.84$3,113.71$3,109.43$3,892.40
Nationwide$2,645.98$2,690.80$2,333.76$2,472.39$7,598.54$9,762.63$3,117.80$3,375.48$4,249.67
Progressive$2,752.55$2,627.34$2,436.08$2,488.71$11,390.97$12,715.68$3,275.52$3,336.18$5,127.88
State Farm$2,439.66$2,439.66$2,178.06$2,178.06$5,924.37$7,562.13$2,658.19$2,735.51$3,514.46
USAA$1,807.25$1,806.75$1,735.89$1,710.19$5,156.30$5,579.59$2,397.23$2,544.04$2,842.16

In fact, age has a more significant impact on the rate you’ll be expected to pay than your gender does. Teenage male drivers pay significantly more for their coverage than their female peers, not to mention the whole rest of the demographic spectrum.

Cheapest ZIP Codes in Dallas

Age may have a significant impact on car insurance rates, but it’s not the only factor affecting how much you’re expected to pay to stay covered. The neighborhood you live in can also raise or lower your rate. Take a look at the table below to see where your ZIP code falls:

Zip CodeAverage
75201$6,982.10
75202$6,903.26
75203$7,138.85
75204$6,673.60
75205$6,526.48
75206$6,426.18
75207$7,902.34
75208$6,814.70
75209$6,674.29
75210$7,361.36
75211$7,072.08
75212$6,865.53
75214$6,546.17
75215$7,276.00
75216$7,246.53
75217$7,013.46
75218$6,492.29
75219$7,193.72
75220$6,739.91
75223$7,117.65
75224$6,961.67
75225$6,639.41
75226$6,886.67
75227$7,018.13
75228$6,889.26
75229$6,532.33
75230$6,804.12
75231$7,091.77
75232$7,021.44
75233$7,141.20
75234$6,380.75
75235$6,815.36
75236$6,620.41
75237$7,091.71
75238$6,606.33
75240$6,788.61
75241$7,209.75
75242$7,746.44
75243$6,779.35
75244$6,500.93
75246$6,894.37
75247$7,556.97
75248$6,242.93
75249$6,412.19
75251$6,848.28
75252$5,855.07
75253$6,446.93
75254$6,844.80
75260$7,598.40
75270$6,921.29
75287$5,981.60
75342$7,569.42
75398$7,509.20

What’s the best car insurance company in Dallas?

While you’re shopping for car insurance, ask yourself: what kind of coverage will keep me safe? How many drivers will be using my car? Am I a career driver, or will I just be commuting to and from work in the morning?

We can make sense of these questions and turn them into concrete data. Keep reading to learn a little more about how these factors and others vary rates by company.

Cheapest Car Insurance Rates by Company

As you can see in the table below, rates will vary based on the company you choose to do business with:

CompanyAverage Annual Rate
Allstate$6,793.69
American Family$6,354.16
Geico$3,892.40
Nationwide$4,249.67
Progressive$5,127.88
State Farm$3,514.46
USAA$2,842.16

Best Car Insurance for Commute Rates

Dallas, as we’ll discuss, is a fairly busy city. Its average daily commute exceeds the national average by a full minute, and unfortunately, that extension may cost you money. Take a look at the table below to see how each of the providers in Dallas change their available rates based on your yearly commute:

Company10 miles commute. 6,000 annual mileage.25 miles commute. 12,000 annual mileage.Average
Allstate$6,627.48$6,959.91$6,793.70
American Family$6,354.16$6,354.16$6,354.16
Geico$3,820.92$3,963.87$3,892.40
Nationwide$4,249.67$4,249.67$4,249.67
Progressive$5,127.88$5,127.88$5,127.88
State Farm$3,514.45$3,514.45$3,514.45
USAA$2,806.02$2,878.30$2,842.16

Best Car Insurance for Coverage Level Rates

There’s more than one type of car insurance. The amount of coverage you choose to invest in is going to impact your rate, as more comprehensive coverage obviously comes at a higher price. Take a look at the table below to see just how these different rates of coverage can change your premium.

CompanyHighLowMediumAverage
Allstate$7,039.24$6,615.31$6,726.53$6,793.69
American Family$7,025.35$5,916.59$6,120.53$6,354.16
Geico$4,137.84$3,690.77$3,848.58$3,892.40
Nationwide$4,101.62$4,581.10$4,066.30$4,249.67
Progressive$5,382.64$4,896.06$5,104.94$5,127.88
State Farm$3,723.44$3,318.20$3,501.72$3,514.45
USAA$2,965.53$2,731.25$2,829.69$2,842.16

Best Car Insurance for Credit History Rates

Your credit history reflects your ability to pay back money that you owe to a bank or another source. While you might not think this number would factor into your car insurance payment, it does. Car insurance providers want to be certain that you can make your payments to them. As such, they’ll look to your credit history to see how reliable you’ve been about paying your bills in the past.

CompanyFairGoodPoorAverage
Allstate$5,188.54$4,432.19$7,113.70$5,578.14
American Family$4,081.83$3,560.80$6,504.30$4,715.64
Geico$2,851.13$1,901.87$5,035.55$3,262.85
Nationwide$3,464.99$3,016.76$4,323.99$3,601.91
Progressive$4,583.35$4,228.21$5,364.20$4,725.25
State Farm$2,578.48$2,054.78$4,142.05$2,925.10
USAA$2,310.50$1,849.18$4,056.10$2,738.59

If you want to keep a closer eye on your credit history and current credit score, you can use tools like Equifax or Experian. These companies will offer you a free copy of your credit report on a 12-month cycle, ensuring that you stay in-the-know.

Best Car Insurance for Driving Record Rates

Your driving record, as you might expect, reflects your ability to drive safely and follow the laws on Texas roads. The more closely you abide by the laws set forth by the state, the cheaper your car insurance rate will likely be.

CompanyClean recordWith 1 accidentWith 1 DUIWith 1 speeding violationAverage
Allstate$5,269.49$8,155.31$8,480.47$5,269.49$7,301.76
American Family$5,781.97$7,390.43$6,462.26$5,781.97$6,544.89
Geico$3,296.74$4,381.32$3,638.87$4,252.66$3,772.31
Nationwide$3,681.67$3,681.67$5,472.37$4,162.98$4,278.57
Progressive$4,467.79$5,769.02$5,230.59$5,044.11$5,155.80
State Farm$3,113.32$3,583.08$4,248.08$3,113.32$3,648.16
USAA$2,109.19$3,138.75$3,697.50$2,423.18$2,981.81

While a speeding ticket won’t be the end of the world, it will still impact the premium offered by your car insurance company.

Car Insurance Factors in Dallas

You’ll also need to consider the ways in which living in Dallas may contribute to fluctuations in your available car insurance rate. In this section, we’ll explore Dallas’s economic status and see how the city’s growth has transformed the car insurance industry.

Metro Report – Growth & Prosperity

You can usually predict how a city is set to change if you take a look at its economic growth. Tie economic growth and prosperity together, and you’ll find that the city’s future is clear – more growth means more residents, a stronger economy, and more opportunities.

At this point in time, Dallas houses several growing companies, including:

  • AT&T
  • Energy Transfer Equity
  • Southwest Airlines
  • Tenet Healthcare
  • Texas Instruments
  • Brinker International
  • Chili’s
  • Comerica
  • Dave & Buster’s
  • Haggar Clothing
  • Hall of Fame Racing
  • Hoak Media Corporation
  • InfoCom Corporation
  • Match.com
  • TPG Sixth Street Partners
  • Red Mango
  • Reddy Ice
  • Rolex
  • Think Finance
  • Tuesday Morning
  • United Surgical Partners International

As you can see, Dallas’s primary product is food. Why? The urbanized Dallas may not be an agricultural hub, but it is a mecca for foodies.

Beyond the success of the aforementioned companies, the Metro Report has relayed details about Dallas’s overall prosperity. At this point, this is how the numbers look:

  • Productivity: +3.5 percent (14th of 100)
  • Standard of Living: +9.4 percent (14th of 100)
  • Average Annual Wage: +5.0 percent (28th of 100)

And just like its companies, Dallas is flourishing. It’s currently the fastest growing city in the nation, based on the following percentage breakdowns:

  • Jobs: +16.3 percent (10th of 100)
  • Gross Metropolitan Product (GMP): +20.3 percent (8th of 100)
  • Jobs at Young Firms: +9.8 percent (27th of 100)

Dallas’s unemployment rate is also reasonably low, coming in at 3.6 percent. This is .3 percent below the national average, suggesting that Dallas residents are, on average, more economically stable than their peers in other American cities.

Median Household Income

Not only does a family’s average income contribute to their ability to pay for car insurance, but it reflects the overall economic success of the city in which they live. If you want to know what percentage of your income is likely to go to car insurance, you can use the calculator below.

In Dallas, the median household income is $65,066 per year. This is nearly $5,000 more than the national average, which is $60,336.

The median household income has risen by 2.51 percent since 2016, and it currently allows the average family to live comfortably within Dallas’s city limits. As of 2017, families needed to make $57,984 to maintain a comfortable lifestyle in Dallas.

Homeownership in Dallas

It’s a little more difficult for the younger generation to purchase a home these days. Even so, many have managed. Those who have bought homes had a direct impact on Dallas’s property values.

At the moment, the median property value in Dallas is $190,600. Where Dallas has exceeded national averages in other areas, here it falters, coming in 0.876 percent lower than the national average, which is $217,600. That said, property values are unquestionably on the rise in Dallas, having jumped 21.3 percent since 2016.

More Dallas residents own their homes than you may think, as well. As of 2017, 39.4 percent of Dallas residents were able to call their residences their own. This is a good sign, as homeownership rates around the nation are dropping.

Education in Dallas

Dallas is home to a good number of universities and community colleges, including:

While the city is too big to be called a proper college town, there’s no question about its popularity with students, especially on weekends or during football season.

Wage by Race & Ethnicity in Common Jobs

Dallas is doing fairly well in terms of economics. As of 2017, the city came in fifth in a list of the best performing economic cities in the nation. Likewise, it generated a Gross Domestic Product of $535.5 billion. Wild, right?

Much of that economic success is the result of the nine Fortune 500 companies located in the area. These businesses include:

  • AT&T
  • Energy Transfer Equity
  • Tenet Healthcare
  • Southwest Airlines
  • Texas Instruments
  • Jacobs Engineering
  • HollyFrontier
  • Dean Foods
  • Builder’s First Source

But who works for these companies, and the businesses operating out of Dallas? Take a look at the chart below to see how employee demographics in the area break down:

Asian employees earned the most money in 2017, making $66,972 on average. Caucasian residents earned the second most, and residents of two or more races came in third. The disparities suggest a variation in careers based on race and also hint at the race and gender wage gaps that have caused so much strife on a national level.

Wage by Gender in Common Jobs

Wages in Dallas vary by gender as well. How much they vary, though, depends on who you’re talking to. According to the U.S. Bureau of Labor Statistics, women in Texas are sometimes paid as little as 58.9 percent what their male counterparts earn.

Critics argue that male-dominated industries will naturally pay their male colleagues more than their female colleagues over the course of the year, but the aforementioned trend does reflect the findings that have driven the Equal Pay movement for the past several decades.

Poverty by Age and Gender

Despite Dallas’s overall growth, it currently faces a problem that plagues many other U.S. cities: poverty. Since 2000, poverty levels in Dallas have climbed to 39.1 percent. An overall lack of transportation and housing have contributed to this rise.

In Dallas, 28.8 percent of families that have children currently live below the poverty level. This percentage means that Dallas has the second-highest child poverty rate in the United States. It is preceded in this lineup only by the city of Philadelphia.

Women between the ages of 25-34 have the highest poverty rate of any demographic.

Poverty by Race & Ethnicity

Because Dallas’s population is primarily white, its citizens in poverty are also primarily white. However, Hispanic and black communities also see a significant percentage of poverty, coming in at 33.2 and 22.2 percent, respectively.

Employment by Occupations

Even so, Dallas’s economy is on the rise. Dallas residents are most likely to be employed in retail and customer service, management, cleaning and pest control, and construction.

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Driving in Dallas

Texas is a big state and Dallas is a big city. If you’re trying to get from Point A to Point B, you’re going to need to know a little bit about Dallas’s car culture and roadway habits.

Roads in Dallas

If you’re new to Dallas, or just looking for a more effective way to get around the city, we can help. In this section, we’ll break down the roads and interstates available to you and tell you which ones will be easiest for you to use.

Major Highways in Dallas

The highways in Dallas are extensive, but they’ll get you where you need to go – as long as you know which one to take. The highways you have at your disposal include:

  • I-20 (1,539 miles)
  • I-30 (367 miles)
  • 1-35E North (97 miles)
  • I-35E South (97 miles)
  • I-45 (285 miles)
  • I-635 (37 miles)

You may also need to use toll roads while traveling through the Dallas area. Toll Guru will help you stay on top of local tolls and roadway construction on the following toll roads:

Popular Road Trips/Sites

Dallas is a popular city with students and tourists alike. If you’ve got a weekend to spend before going back to class, or if you’re just vacationing in the area, you can visit any number of attractions, including:

  • The Dallas Museum of Art
  • The Dallas World Aquarium
  • The Dallas Arboretum and Botanical Garden
  • The Dallas Zoo
  • Reunion Tower
  • Klude Warren Park
  • Deep Ellum
  • Bishop Arts District

Road Conditions in Dallas

No one enjoys driving over a pothole on their way home from work. Knowing the condition of the roads you’re driving on can make life a whole lot easier.

Unfortunately, road conditions in Dallas could be better. There are just as many roads in good condition as there are roads in poor condition, for the most part. The breakdown looks like this:

  • Good Condition: 28 percent
  • Fair Condition: 20 percent
  • Mediocre Condition: 31 percent
  • Poor Condition: 21 percent

All that’s to say, be careful when you take to the roads in Dallas, and keep your eyes open if you want to preserve your rims.

Does Dallas use speeding or red light cameras?

Dallas and Texas legislators have banned the use of speeding and red-light cameras throughout the state. This ban went into place in early 2019, removing the 44 red light cameras in place throughout Dallas.

Vehicles in Dallas

When you’re driving on the road in Texas, what kind of vehicles should you expect to see? Let’s dive into the vehicles that are the most popular with residents – and with thieves – in Dallas.

Most Popular Vehicles Owned

To almost no one’s surprise, the most popular vehicle in Dallas is a Dodge – specifically, the Dodge Challenger.

The Dodge Challenger is well-known for its comprehensive safety features. This setup includes:

  • High-beam headlamps
  • Blind-spot monitoring
  • Adaptive cruise control
  • Full-speed forward collision warning
  • Rear back-up camera
  • All-surround airbags
  • Front head restraints
  • Rain brake support
  • Rain-sensing windshield wipers
  • Electric stability control
  • All-speed transition control
  • Hill start assist

Feel overwhelmed? The Dodge Challenger certainly brings a lot to the table. However, this is not a car you should invest in if you want to spend less money on gas. The Challenger only nets 16 miles to a gallon on the highway. You may be safe, but your wallet is going to feel the pain.

Cars per household

Most households in states and cities across the country own an average of two vehicles and Dallas is no different.

That said, Dallas does buck some trends. Significantly more citizens reported owning a single vehicle in 2017 than owning three vehicles. Usually, the bell curve is much smoother.

Households Without a Car

That doesn’t mean that you need a car to get around Dallas. In fact, in 2015, 10.2 percent of local households reported that they didn’t keep a car in the garage. This number is decreasing, admittedly, but the current numbers speak to the reliability of public transportation in the city.

Speed Traps in Dallas

Have you ever felt a need – a need for speed? In Dallas, as well as just about everywhere else, you should consider trying to tamp that need down. Dallas has eight total speed traps in the city, with 58 percent of them well-known by residents. This puts it fifth on the list of cities in Texas that have substantial speed trap numbers.

Vehicle Theft in Dallas

Dallas sees its fair share of vehicle theft, according to the FBI. In 2016 alone, 7,592 residents lost their vehicles to people with sticky fingers. Even more residents were victims of violent crime. 53,812 residents reported violent crimes to the police in 2017. These reports, among other things, make Dallas safer than only nine percent of the other cities in the United States.

Some parts of the city are safer than others. The safest neighborhoods in Dallas are:

  • Cox Ln / Northaven Rd
  • Hillcrest Rd / Spring Valley Rd
  • Skillman St / Kingsley Rd
  • Northaven Rd / Hillcrest Rd
  • Park Ln / Inwood Rd
  • Northaven Rd / Inwood Rd
  • Rawlins
  • Royal Ln / Lennox Ln
  • Cromwell Dr / Royal Ln
  • Abrams Rd / Royal Ln

Traffic in Dallas

It’s almost impossible to get away from traffic in a major city. In Dallas, specifically, you’ll have to work your way from Point A to Point B while navigating around the 1.5 million residents trying to do the same.

What does traffic in the city look like on an average day? In this section, we’ll discuss the congestion and driving behaviors that you should expect to see in the Dallas area.

Traffic Congestion

They say that everything is bigger in Texas – and unfortunately, that includes the traffic jams. According to a survey conducted by INRIX in 2019, Dallas residents spend 76 hours dealing with traffic congestion over the course of a year. That time in traffic costs drivers $1,065 each. Yikes!

If you want to avoid the worst of Dallas’s traffic, you’ll want to try to drive during off-peak hours. If you can’t, then see if there are back roads you can take that’ll direct you away from the worst of the congestion.

Transportation

Nationally, drivers spend an average of 25.5 minutes on their daily commute. In Dallas, you’ll spend longer on the road. Dallas’s average commute time is 26.6 minutes, coming in a full minute above the national average.

Some of that time in traffic can be blamed on the aforementioned congestion. The vast majority of drivers in Dallas – 75.9 percent – prefer to drive to work alone, which means that there are more cars on the road for you to contend with. Comparatively, only 11.7 percent of the local population carpools.

Luckily, not too many residents in the area have a super-commute. These commutes force drivers to spend 90 minutes or more on the road – both before and after work. In Dallas, only 2.01 percent of the population has to deal with a commute of this length or longer.

Busiest Highways

Good news, drivers. While Dallas has several popular highways and freeways, none of them appear on the Office of Highway Policy’s list for highly-congested roadways.

How safe are Dallas streets and roads?

Urban areas tend to see their fair share of fatalities over the course of a year. In the detailed table below, you can see the fatality rates for Dallas:

Traffic Fatalities in Dallas County 
All Crashes282
Single Vehicle Crashes147
DUI114
Speeding102
Roadway Departure101
Passenger Car Occupant Fatalities100
Pedestrian Fatalities73
Crashes Involving an Intersection64
Pedalcyclist Fatalities1

Single-vehicle accidents are far more common than other types of accidents in Dallas. Even with numbers reaching into the hundreds, Dallas’s fatality rates are decreasing. The rate at which drivers have gotten into accidents on the road has dropped by 10 percent since 2016. Hopefully this is one trend that will continue to thrive within the city.

Dallas County Crash Type2017
Single Vehicle Crash147
Involving an Alcohol-Impaired Driver (BAC 0.8+)114
Involving Speeding102
Involving a Roadway Departure101
Involving an Intersection or Intersection-Related64

Allstate America’s Best Drivers Report

In their Best Drivers Report, Allstate lists the most dangerous cities for drivers to travel through. Dallas does not appear on the 2018 list, but its neighbor, San Antonio, ranks at 178. Dallas County is considered a pretty safe place to drive.

Car insurance providers in Dallas note that drivers typically file claims every 6.5 years (though there are variations based on a person’s driving history). This is a good thing, as it means drivers don’t have to contend with expensive accidents very frequently.

Ridesharing

Ridesharing services have seen a spike in popularity lately. In urban areas like Dallas, you can easily procure a ride with not only the most popular ridesharing services, but also with local ones.

Dallas makes the following ridesharing services available to you:

  • Leep
  • Blacklane
  • Carmel
  • Jayride
  • Lyft
  • Supershuttle
  • Taxis
  • Talixo
  • Uber
  • Wingz

Note that if you’re interested in working for a ridesharing service, you’re going to need to have ridesharing insurance. Not all providers offer this type of coverage, so be sure to talk with your provider and employer before you start your new career.

E-Star Repair Shops

You can’t always prevent your car from breaking down. If you’re on the road and your tire goes flat, your engine light comes on, or something else happens, you’ll want to know you have a good mechanic who can help you out.

Luckily, E-star offers a list of reputable repair shops in Dallas. These shops are considered the best of the best, so you should be able to reach out to them and receive stellar customer service and quality work every time.

E-star recommends the following shops in the Dallas area:

  • Caliber – Dallas
  • Service King Oak Cliff
  • Service King North Dallas
  • Service King Mesquite
  • Service Duncanville
  • Service King Northeast Dallas
  • Service King Northwest Dallas
  • Trophy Nissan Collision Center
  • Service King Irving

Weather in Dallas

The climate and weather in your hometown have more of an impact on your ability to drive safely than you might think. Dallas, with its sub-tropical climate and variable weather, challenges its drivers as often as it delights them, fluctuating between blue skies and lightning storms at a whim.

In general, though, Dallas is a pleasant city to live in when it comes to weather. The city’s averages break down as follows:

  • Annual high temperature: 77.1 F
  • Annual low temperature: 51.5 F
  • Average annual precipitation: 40.91 inches

However, Dallas sees its fair share of natural disasters. In fact, the city was listed as one of the least safe places to live in terms of weather as of 2018. The city sees several tornadoes over the course of a year, as it sits within the reach of Tornado Alley.

If you’re in your vehicle and see a tornado hit, don’t panic. Instead, the best thing you can do for your own safety is to pull over to the side of the road. Ideally, you’ll want to barricade yourself under a sturdy building. Do not attempt to drive away from airborne debris. Instead, hunker down and wait for the storm to pass. You’ll be a lot safer this way.

Public Transit in Dallas

If you don’t have a car, or if you don’t want to deal with Dallas’s traffic on any given day, then you may find yourself on public transportation. The good news is, you’ll have a variety of options to choose from. Most of these options operate through the DART system. This conglomerate offers Dallas locals and tourists alike access to the following modes of transport:

  • Rail
  • Bus
  • Railway Express
  • Flex Service
  • Streetcar
  • M-Line Trolley
  • Paratransit services
  • Bikes
  • Vanpooling

Cost of Alternate Transportation in Dallas

Unfortunately, because DART has so many public transportation options available, competition – and the resulting lower prices – is difficult to come by. That doesn’t mean that it’s impossible to find, though, or that you need to spend a fortune on getting around town.

You can easily rent a bike or a scooter in downtown Dallas for as little as $1 per 15 minutes. The various bike services available to you in the area include:

  • Ofo
  • Limebike
  • VBikes
  • MoBike

Parking in Dallas

If you do choose to drive into the downtown area, you’ll need a place to park. Unfortunately, Dallas has yet to take advantage of the vehicle to infrastructure (V2I) technologies that would enable you to find free parking spaces ahead of time.

For now, you’re going to have to rely on websites like Parking.com. This site has access to the status of parking spots in 16 different locations in downtown Dallas. You can use this website to find an open and affordable place to park within the city. Also, if you’re a local, you can purchase a monthly parking pass through the platform, which will make your adventures downtown a lot simpler.

If Parking.com isn’t able to direct you towards an open parking spot, you can visit one of Dallas’s numerous parking garages.

Air Quality in Dallas

Unfortunately, urban environments like Dallas tend to generate a significant amount of pollution. With that pollution comes a decrease in local air quality.

At this point in time, more than 2.6 million Dallas residents are at a higher risk for asthma, lung disease, lung cancer, and similar conditions due to the local air quality.

In fact, Dallas ranks at number 17 in the list of the most polluted cities in the United States. Take a look at the table below to see just how frequently the city sees good air quality days versus the less than stellar days.

Garland Air Quality (Dallas County)201620172018
Days with AQI366365365
Days Good264239240
Days Moderate99119106
Days Unhealthy for Sensitive Groups3716
Days Unhealthy003
Days Very Unhealthy000

Military/Veterans

Dallas is not a city with a large veteran or active duty population. However, that doesn’t mean that these demographics can’t be found in the area. Veterans in Dallas have typically fought in one of the three following conflicts:

  • Vietnam: 13,490 veterans in Dallas
  • Gulf War (2001–present): 9,673 veterans in Dallas
  • Gulf War (1990–91): 5,842 veterans in Dallas

The military bases in the area include:

  • Naval Air Station – Forth Worth
  • Sheppard Air Force Base
  • Fort Hood
  • Dyess Air Force Base

Several of the car insurance providers operating out of Dallas are interested in better servicing the military community. The following providers offer military discounts:

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

Unique City Laws

Each city has its own set of unique – and sometimes just plain weird – laws that citizens need to abide by. For example, it is illegal in Dallas for a person to give their wife a massage. Why? Who knows.

Let’s take a look at some of the laws you’ll need to know when you’re on the road in Dallas.

Hands-Free Driving

Dallas was among the first of Texas’s cities to institute a cell phone ban for drivers passing through school zones. This ban specifies a broader ban on texting while behind the wheel of a car.

That said, Dallas does not ban drivers from using handheld devices while driving outside of school zones, meaning you’ll be able to use your phone’s GPS without fear of attracting law enforcement’s attention.

Tiny Homes

Do you want an apartment on wheels? Good news! Dallas’s newest community, the Lake Dallas Tiny Home Village, is the perfect getaway for someone looking to downsize and simplify their life.

It’s worth noting, though, that all tiny homes must be registered with the city before they can be put to use. Tiny homes need to be 400 square feet or fewer, must adhere to international building law, and must be on wheels.

Food Trucks

Food trucks, like tiny homes, have caught on in the past few years. The city of Dallas has strict food truck legislation in place that all potential owners must abide by before taking to the street. This legislation states that:

  • Food trucks need to be extensions of fixed food product establishments
  • Alternatively, food trucks must be commissary, appropriately licensed and inspected
  • Truck owners must carry food permits and fire inspection permits at all times
  • Truck owners must also be able to present a registered food service manager and permit upon request

Dallas Car Insurance FAQs

Are there still some questions about Dallas, Texas that you want answered? Read through our FAQ to see if we can’t clarify a few things about the insurance providers and car culture in the area.

What’s the minimum amount of car insurance I need as a Texas resident?

Texas’s minimum liability coverage breaks down as follows:

  • $30,000 of bodily injury liability per person
  • $60,000 of total bodily injury liability per accident
  • $25,000 of property damage liability per accident

You absolutely need minimum liability coverage or more to drive legally in the state of Texas, including in the city of Dallas.

What should I do if I get stopped for driving without insurance in Dallas?

If you’re caught driving without insurance in Dallas, Texas, you’ll face consequences that vary in severity based on the number of offenses you have on record. For example, if this is the first time you’ve been caught driving without insurance, you’ll be charged between $175 and $350. You’ll also have to pay a surcharge of $250 on your license for the next three years.

After your first offense, the consequences will grow more expensive. Repeat offenders will have to pay between $350 and $1,000 if they’re caught driving without insurance, in addition to the aforementioned surcharge. Repeat offenders are also more likely to have their licenses revoked and/or their vehicles impounded, should they refuse to cooperate with state law.

How difficult is it to get around Dallas in a car?

On average, it will take you 26 minutes to make your way through the whole of Dallas. This commute time is slightly higher than the national average, indicating that Dallas is a busy city. That said, as long as you travel during off-hours, you should be able to make your way around with relative ease.

Do I need a car in Dallas?

No, you do not need a car to make your way through Dallas. Your public transportation options are plentiful, should you choose to take advantage of them. That said, you may want to consider investing in temporary car insurance if you think you’ll be driving a friend or relative’s car.

Will my Texas car insurance follow me into Mexico?

No, it will not. You’ll need to reach out to your local DMV to procure temporary international insurance or an equivalent if you think you’ll be driving through Mexico. Alternatively, check with your provider to see if there is an in-house type of coverage that will keep you safe on international motorways.

How will Dallas’s weather change the way I drive?

Dallas lies within a sub-tropical ecosystem. That means the area is likely to see hot summers and milder winters, with a wet spring and fall sprinkled in between.

The care you’ll need to take while driving will depend on the daily weather. If the roads are still slick from rain, do what you can to drive a little more slowly. In the event of a big storm, stay home, take public transportation, or exercise extreme caution. Taking care of your car and yourself only requires self-awareness and common sense.

And with that, we’ve come to the end of our guide to Dallas’s car insurance scene. Want to start comparing car insurance rates ASAP? You can use our FREE online tool to get a jump on your research. All you need to do is enter your ZIP code and you’ll be off to the races.

References:
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  3. https://www.zip-codes.com/city/tx-dallas.asp
  4. https://www.equifax.com/personal/education/credit/report/how-to-get-your-free-credit-report/
  5. https://www.experian.com/consumer-products/free-credit-report.html
  6. https://www.zumper.com/blog/2019/12/dallas-metro-report-december-2019/
  7. https://www.bestplaces.net/economy/city/texas/dallas
  8. https://www.deptofnumbers.com/income/texas/dallas/
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  22. http://www.motortexas.com/doc/dodge-challenger-road-trip-edition
  23. https://www.speedtrap.org/texas-speed-trap-cities/
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  32. https://www.dallasobserver.com/news/9-stupid-crimes-in-dallas-or-why-not-to-give-your-wife-a-massage-8108981
  33. https://www.taylorpremierproperties.com/lake-dallas-tiny-house-village

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