Cheap Auto Insurance in Dallas–Fort Worth (2025)

Metroplex premiums rose 11 % last year, yet savvy drivers still score $38-per-month liability plans. Plug in your ZIP below, compare quotes from State Farm, GEICO, Fred Loya, Dairyland and more. You can also see how The Zebra compares insurance providers side-by-side before choosing. Need statewide context? Revisit the Texas auto-insurance hub.

Start Saving — Enter Your ZIP for Fast Quotes

Enter any Dallas or Fort Worth ZIP, pick liability or full coverage and see live prices in seconds. For a broader view, you can compare car insurance by ZIP code across the U.S.

Cheapest Companies in 2025 (Sample ZIP 75228)

Want to try lesser-known companies with solid reputations? See what Safeway Insurance in Texas offers for low-mileage and urban ZIP codes.

Why DFW Rates Spike

• I-35 & I-635 congestion → high collision frequency.
• Hail-storm alley adds costly comprehensive claims.
• Uninsured-driver rate ≈ 16 %, so insurers load extra premium.

Four Fast Ways to Save

1. Bundle auto + renters (brings 15-20 % off at State Farm & Allstate).
2. Enroll in GEICO DriveEasy or Progressive Snapshot for 10-25 % usage-based credits.
3. Take a state-approved defensive-driving course ($30) → 3-year discount.
4. Pay the six-month policy in full and skip installment fees (5-8 % saved).

Need a second opinion before locking in a rate? Try Quotza’s online quote tool to instantly compare local and national offers in DFW.

SR-22 Filing in Dallas

A DUI or no-insurance conviction can double your premium. Compare Texas SR-22 insurers — some file free and start as low as $82/mo.

FAQ – Dallas Car-Insurance 2025

Cheapest ZIP in Dallas?
75252 (Far North) runs ~8 % below the city average.

Do credit scores matter here?
Yes. Moving from Poor to Good credit lowers a Dallas quote about 22 % on average.

Minimum Texas liability limits?
$30,000 bodily injury per person / $60,000 per accident / $25,000 property damage.