Dallas is a modern metropolis with a lot to offer its residents, but it’s not without risks on the road. Here are some risks that make having a car insurance policy necessary for Dallas: 

• High Traffic Volume: As one of the biggest metropolitan areas in the U.S., drivers must deal with heavy traffic on I-635, I-35 E, and the Dallas North Tollway, increasing the risk of accidents.
• Unpredictable Weather: Dallas is known to face flash floods and sudden hailstorms, posing damage risks for your vehicle.
• Construction Zones: Construction is very common, as Dallas is continuously growing. Narrowed lanes and sudden stops pose risks for drivers.
• Neighborhood Risks: Different areas of Dallas are at risk for heavier traffic, flood risks, or vehicle theft.

Car insurance has mandatory coverage set by the state of Texas. Dallas drivers must meet these minimum liability requirements if they cause an accident: 

• $30,000 per person and $60,000 per accident for bodily injury 
• $25,000 per accident for property damage 
• $2,500 worth of personal injury protection 
• Uninsured/Underinsured Motorist (UM/UIM) Coverage 

Keep in mind that this is the minimum amount, and it may not be enough to cover every scenario. It’s recommended that drivers increase their limits to avoid paying out of pocket for more serious accidents. 

Because these requirements are set by the state, you can read the definitions for each of these coverages at our Texas car insurance page. 

You might think meeting the legal requirements means you’re covered as well. However, liability only policies do not cover damages to your vehicle. It’s common for Dallas drivers to add the following to their policies: 

• Collision Coverage: Helps pay for damages to your vehicle caused by a covered accident. Subject to your deductible. 
• Comprehensive Coverage: Helps pay for non-collision damages to your vehicle caused by a covered incident. Subject to your deductible. 
• Rental Car Reimbursement: Helps pay for the cost of a rental car while your vehicle is being repaired after a covered incident. 
• Roadside Assistance: Helps pay for the cost of towing your vehicle if it cannot be driven due to an accident or breakdown. 
• Rideshare Coverage: Helpful if you drive for a rideshare service (like Uber or Lyft) and use your car for personal use. Only applies for situations where you’re “on the clock,” and has options for liability, collision, comprehensive, and medical payments. 

This is not a full list of every coverage option available, but rather a list of common recommendations. There may be more specific coverage available to fit more specific needs. These descriptions are also general in nature to give you an understanding of what they offer.

Goosehead agents work with you to learn your needs and situation to find coverage that makes the most sense for you.

On average, Dallas drivers pay roughly $1,400 a year for policies that only meet the state requirements. Those that have more coverage pay up to about $4,300 a year. 

There are many factors that influence premium costs. In addition to your coverage, insurance carriers need to know: 

• Location: Certain areas or ZIP codes of Dallas are at higher risk for flooding or theft, which influence premiums.
• Age: Younger drivers with less experience are at higher risk for accidents and see higher rates.
• Driving Record: Those that don’t have any violations on their record or keep claims to a minimum see lower rates, and vise versa.
• Vehicle Type: The age, model, features, and customizations all impact your rates due to the cost of repairs.
• Mileage: Simply put, the more you're on the road, the more chances you have of getting into an accident
• Credit Score: Carriers can look at your credit score to determine a premium.

There may be more rating factors carriers look at, but these are some of the most prevalent to keep in mind.

A car insurance policy for Dallas shouldn’t have to strain your wallet. Many can save on their policies with the following strategies: 

• Bundle Policies: Carriers will likely offer discounts if you bundle auto insurance with other policies.
• Safe Driver Discounts: Taking defensive driving courses or having little to no claims or violations on your record help you save.
• Install Safety Features: Including anti-theft measures or even dashcams might help you qualify for savings.
• Shop Around: Before your policy renews, you may be able to find better rates by shopping around. Goosehead makes this easy by doing this for you, while you get to keep your same point of contact for your insurance needs.

At Goosehead Insurance, we understand that Dallas drivers have specific needs. That’s why we focus on providing tailored coverage options designed to protect you no matter where you drive in the city. Here’s why clients trust us: 

• Comprehensive Comparisons: We partner with top-rated carriers to save you time and to the comparisons for you.
• Unique Customizations: No two drivers are alike, so we work with you to find coverage that works best for you.
• Local Expertise: Our agents are experts in their area. Dallas agents know exactly what to look out for.
• Top-Notch Service: Whether you have a simple question or need clarification on terms, our agents are here to support you.