Dallas, Texas Car Insurance (All You Need to Know)

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DALLASSTATISTIC
City Population1,341,075
City Density3,915 people per square mile
Average Cost of Insurance$5,855.07
Cheapest Car Insurance CompanyState Farm
Road ConditionsPoor: 21%
Mediocre: 31%
Fair: 20%
Good: 28%

Welcome to Dallas, Texas: The Big D, Aggtown, the Heart of the Metroplex.

The Dallas–Fort Worth–Arlington, Texas metropolitan statistical area (MSA) is one of the fastest-growing regions in the United States. And Dallas is the MSA’s heart.

Dallas is home to more than just people, though.

It’s the home of the first frozen margarita machine and the first computer microchip, both of which we are certainly thankful for.

And as one of the most Texas-y places in Texas, Dallas is also home to a lot of Texas-sized things. These include:

  • Big Tex: the statue that greets visitors at the annual State Fair of Texas in Dallas is the tallest cowboy in Texas.
  • Big Stadiums: with the roof enclosed, the entire Statue of Liberty could fit into the Cowboys Stadium.
  • Big Christmas trees: during the holiday season, the Galleria Dallas is home to the country’s tallest indoor Christmas tree.
  • Big Trains: the largest permanent model train exhibit in the country is on display in the lobby of Dallas Children’s Medical Center.
  • Big Art: the Dallas Arts District is the largest urban arts district in the United States.
  • Big Parks: the Trinity River Corridor Project, when completed, will be more than 10 times the size of New York’s Central Park.
  • Big Landlocks: Dallas is the largest metro area in the United States not located on a navigable body of water.

Yep, a lot of big things happen in Dallas.

From avid shoppers to avid outdoor adventurers, from art lovers to food lovers to just, well, lovers, Dallas is a great place to spend a weekend or a lifetime.

Whether you’re a long-time resident or new to the Big D, we’ve created this guide to help you navigate car insurance in the great and growing metropolis of Dallas, Texas.

Ready to compare car insurance? Just enter your ZIP code to get started.

Table of Contents

The Cost of Car Insurance in Dallas

Dallas is more than just cowboys and rodeos, though it certainly has plenty of both. The metro area, often called DFW, has quickly become of the largest and quickest growing places in the United States.

Read on to learn more about buying car insurance in the Heart of the Metroplex.

– Male vs. Female vs Age

Have you heard that men and women pay different amounts for car insurance based on their gender? You might be wondering: is that myth or fact?

Well, often gender does make a slight difference in car insurance premiums, though more states are outlawing this type of discrimination.

In most places, men will pay more than women, especially teenage men, who usually pay substantially more than their female peers.

Luckily, your age and marital status have a far larger effect on your car insurance premiums as you move into adulthood.

DataUSA reports that the median age of Dallas residents is a young 32.4 years old.

The table below provides the average car insurance premiums for Dallas residents of various genders, ages, and marital status.

DemographicAverage Rate
Single 17-year old female$8,316.61
Single 17-year old male$9,944.24
Single 25-year old female$3,643.35
Single 25-year old male$3,864.10
Married 35-year old female$2,962.03
Married 35-year old male$3,051.57
Married 60-year old female$2,760.78
Married 60-year old male$2,913.78
Average$4,682.06

But did you know: where you live in Dallas might mean you pay more or less than other city residents for car insurance?

Let’s take a look at the city’s cheapest and most expensive rates by ZIP code.

– Cheapest ZIP Codes in Dallas

Our research consistently shows that car insurance premiums can vary not only by what city you call home but also by what part of that city your home is in.

And Dallas is huge. This cool guide shows how much land area is serviced by the City of Dallas.

Dallas proper alone has 53 unique ZIP codes representing the Big D’s diverse array of neighborhoods.

Where are the cheapest average car insurance premiums in Dallas?

Those can be found in ZIP code 75252, located on the north side of Dallas along the President George Bush Turnpike just west of the University of Texas at Dallas. Residents of 75252 can expect to pay an average yearly premium of $5,855.07 for car insurance.

The table below shows you the average car insurance premiums for Dallas by ZIP code.

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

Let’s look now at which car insurance company folks in Dallas say is the best.

– What’s the best car insurance company in Dallas?

If you’ve ever talked to someone from Dallas, you might have heard them say that the Dallas Cowboys are the best football team in the NFL.

And they might be right. The Cowboys have taken home five Super Bowl championships: 1996, 1994, 1993, 1978, and 1972.

Their fans, as you might expect, can be extremely loyal. And some of them, as the video below shows, are pretty famous, too.

But who do people from LeeAnn Rimes’s hometown say is the best car insurance company?

Well, it depends, quite frankly.

The best car insurance company for you largely depends on what you want and need from your insurer, and what kind of company you want to do business with.

When shopping for car insurance, the key issues you need to prioritize include:

  • The level of insurance coverage you need,
  • The amount of money you can afford to pay for your car insurance premium, and
  • The type of insurance company you want to do business with.

Let’s cover some of the factors that can help you figure out the best Dallas car insurance company for you, your family and your vehicles.

– Cheapest Car Insurance Rates by Company

We all want a great deal on our car insurance, it’s true.

But is the cheapest car insurance company always the best car insurance company?

Not necessarily. That doesn’t mean, however, that an affordable provider is necessarily a bad provider; in fact, our research shows that often affordable insurers also provide the best service.

But again, who the best car insurance company is for you depends on a number of factors, many of which we’ll cover below.

In Dallas, State Farm is likely to be your cheapest car insurance provider — unless you’re a military service members who qualifies for USAA insurance.

The table below offers the average premiums for Dallas’s seven biggest car insurance companies.

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

Make sure you ask about discounts, incentives or promotions that many car insurance companies offer to save you money.

As we’ve said, Dallas is big. Let’s take a look at how your commute distance can affect your car insurance rates in the Big D.

– Best Car Insurance for Commute Rates

Dallas is big, but Dallasites’ commute isn’t outrageous, typically.

Despite the sprawl of their city, Dallas workers have an average one-way commute of 26.6 minutes, just above the national average of 25.5 minutes.

Did you know that the length of your daily commute can affect your car insurance premium?

No matter your commute, State Farm will probably be the most affordable car insurance provider for you in Dallas.

The table below provides average premiums for Dallas’s top insurers based on both a 10- and 25-mile average commute.

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average Rate
USAA$2,806.02$2,878.30$2,842.16
State Farm$3,514.45$3,514.45$3,514.45
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
American Family$6,354.16$6,354.16$6,354.16
Allstate$6,627.48$6,959.91$6,793.70

But you might be wondering: how much car insurance do I need anyway? Do you need a little or a lot?

These are good questions.

The amount of car insurance you need is definitely something you’ll need to think about as you begin your search for car insurance.

– Best Car Insurance for Coverage Level Rates

Obviously, the more car insurance you need, the higher your premium will be.

Or at least that’s obvious as we live under this thing called capitalism.

But whether you need a high, medium, or low level of car insurance, State Farm will still likely be your cheapest provider in the Big D.

The table below provides average rates for Dallas’s biggest car insurers by coverage level, including high, medium, and low coverage.

CompanyHighLowMediumAverage
USAA$2,965.53$2,731.25$2,829.69$2,842.16
State Farm$3,723.44$3,318.20$3,501.72$3,514.45
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
American Family$7,025.35$5,916.59$6,120.53$6,354.16
Allstate$7,039.24$6,615.31$6,726.53$6,793.69

Do you know what your credit score is, by the way?

Wait, you might be wondering, why does it matter?

Your credit score matters because it is one of the key factors car insurance companies use to determine car insurance premiums.

– Best Car Insurance for Credit History Rates

As you might already know, your credit history affects so many parts of your life, from buying a home to even, in some cases, getting a job.

And certainly, our research shows, your credit score will affect your car insurance premium, too.

This short video offers a great explanation as to how and why credit scores help determine car insurance premiums.

According to financial experts lendedu, residents of Dallas have an average Vantage credit score of 708, above both the national average of 673 and Texas’s state average of 656.

But what if your credit score is not that great? Which car insurance company will be the most affordable?

If you have poor credit in Dallas, State Farm will still likely be the most affordable car insurer for you. If you have good credit, be sure to check out GEICO.

The table below offers average premiums in Dallas for those with good, fair, and poor credit histories.

CompanyGoodFairPoorAverage
USAA$1,949.38$2,418.64$4,158.44$2,842.15
State Farm$2,472.64$3,099.53$4,971.19$3,514.45
GEICO$2,251.03$3,395.86$6,030.29$3,892.39
Nationwide$3,550.87$4,093.16$5,104.99$4,249.67
Progressive$4,609.34$4,983.24$5,791.06$5,127.88
American Family$4,807.11$5,511.52$8,743.85$6,354.16
Allstate$5,408.33$6,320.64$8,652.11$6,793.69

What affects your car insurance premium even more than your credit history, however?

Your driving record.

And that’s a factor that worries a lot of folks, so let’s take a look at some information for Dallas drivers of various driving histories.

– Best Car Insurance for Driving Record Rates

Most of us don’t have spotless driving records. For instance, you might have a speeding ticket in your past, like Seinfeld’s Newman.

Not all violations affect your car insurance premium in the same way, however.

For instance, it’s important to note: DUIs are one of the easiest ways to raise your car insurance premium by thousands of dollars. According to our research, Dallasites with a DUI in their past will likely find GEICO to be their most affordable car insurance provider.

The following table provides the average rates for drivers of various histories in the beautiful river city of Dallas.

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

Did you know that even if you’ve had a speeding ticket, accident, or DUI, a driving course can often help negate increases in your car insurance premiums?

Make sure to look for defensive driving, advanced driving and DUI awareness courses. And check with your insurance company to see what they consider to be important in a driving course.

But what if your driving record makes it impossible for you to find car insurance you can afford? The Insurance Information Institute provides this helpful guide to help you explore your options, many of which are public and backed by the state.

Factors such as a city’s growth, prosperity and poverty rates can also affect your car insurance premiums in that region.

Let’s take a look at some of these specific factors that can affect how much you end up paying for car insurance in Dallas.

– Car Insurance Factors in Dallas

Dallas, as its nickname “The Heart of the Metroplex” suggests, is a quickly-growing metropolis.

As the Big D continues to grow, it’s also a city forging forward into the future.

In the sections below we’ll cover some of the factors of this growth because these factors can affect your car insurance premiums in often surprising ways.

– Metro Report – Growth & Prosperity

According to The Brookings Institute, the Dallas-Fort Worth-Arlington, Texas, MSA is currently experiencing a trend of steady, sustainable growth and prosperity.

Though productivity and standard of living are categories where the city has seen recent losses, most other growth and prosperity factors are growing, including wages and number of jobs.

The figures below reflect Brookings’ most recent findings on issues of both growth and prosperity in the Dallas-Fort Worth-Arlington, Texas, metropolitan statistical area.

Growth

  • Jobs: +2.6 percent (17th of 100)
  • Gross metropolitan product (GMP): +1.9 percent (62nd of 100)
  • Jobs at young firms: +4.6 percent (36th of 100)

Prosperity

  • Productivity: -0.7 percent (87th of 100)
  • Standard of living: -0.2 percent (87th of 100)
  • Average annual wage: +0.9 percent (59th of 100)

– Median Household Income

Dallas residents have a lower median household income than both Texas state and United States national averages. As we’ve seen above, however, their incomes are growing.

According to DataUSA, “households in Dallas, TX have a median annual income of $50,627, which is less than the median annual income of $60,336 across the entire United States. This is in comparison to a median income of $47,243 in 2016, which represents a 7.16 percent annual growth.”

With an average annual car insurance premium of  $5,855.07, residents of Dallas, Texas, spend a significant portion of their annual income on car insurance. An average of 11.57 percent, in fact.

Use the handy calculator below to see what percent of your income could go to car insurance.

CalculatorPro

– Homeownership in Dallas

In 2017, DataUSA reports, “the median property value in Dallas, TX grew to $190,600 from the previous year’s value of $157,100.” That’s quite a significant jump, especially for a single year, and a great sign for property owners in the Big D.

DataUSA also reports that “in 2017, 39.4 percent of the housing units in Dallas, TX were occupied by their owner. This percentage declined from the previous year’s rate of 40.8 percent.”

As Dallas grows in both size and wealth, there is a demand for more luxury housing, a demand that is quickly changing the city’s skyline. Check out the video below for a peek into one of the city’s upcoming luxury living options.

– Education in Dallas

Dallas’s student population is growing on, or above, pace with its general population.

In 2016, DataUSA reports that “universities in Dallas, TX awarded 13,244 degrees.”

Dallas is home to a variety of institutions of higher education, such as the world-renowned Southern Methodist University.

Other colleges and universities in the DFW metroplex include:

  • The University of Texas at Arlington
  • The University of North Texas
  • The University of Texas at Dallas
  • Texas A&M University-Commerce
  • Texas Woman’s University
  • Texas Christian University
  • Dallas Baptist University
  • Texas Wesleyan University
  • Southwestern Baptist Theological Seminary
  • Dallas Theological Seminary
  • The University of Dallas
  • Southwestern Assemblies of God University
  • Amberton University
  • Southwestern Adventist University
  • Northwood University
  • Dallas Christian College
  • Arlington Baptist University
  • Criswell College

The area is home to two HBCUs, or Historically Black Colleges and Universities: Paul Quinn College and Southwestern Christian College.

The Dallas County Community College District serves over 70,000 students annually, making it one of the biggest community college systems in the nation.

As a hub for the medical industry, DFW is also home to several medical training campuses, including the University of North Texas Health Science Center, University of Texas Southwestern Medical Center and Texas A&M University College of Dentistry.

– Wage by Race & Ethnicity in Common Jobs

Wages by race and ethnicity are not tracked on the city level for Dallas.

DataUSA, however, explains that “in 2017 the highest paid race/ethnicity of Texas workers was Asian. These workers were paid 1.26 times more than White workers, who made the second highest salary of any race/ethnicity.”

The most common job types in Texas, they also report, are miscellaneous managers; driver/sales workers and truck drivers; elementary and middle school teachers; retail salespersons; and cashiers.

– Wage by Gender in Common Jobs

Though wages by gender are not tracked on the city level for Dallas, DataUSA explains that in 2017, sadly, “full-time male employees in Texas made 1.4 times more than female employees.” We hope such discrimination is brought to a swift end by legislative action.

– Poverty by Age and Gender

Whereas the national average of people living in poverty is 13.4 percent, Dallas has a poverty rate well above the national average at 21.8 percent.

Women ages 25-34 make up a disproportionate amount of the people living below the poverty line in Dallas, DataUSA explains.

– Poverty by Race & Ethnicity

“The most common racial or ethnic group living below the poverty line in Dallas, TX is White, followed by Hispanic and Black,” according to DataUSA.

Driving in Dallas

A lot of folks consider Dallas the heart of Texas.

But a lot of folks, too, consider driving here somewhat of a nightmare.

And though Dallasites have an above-average commute at 26.6 minutes each way, they also get to drive through one of the most interesting downtown landscapes in the United States, as shown in the video below.

Factors such as a city’s road conditions and level of traffic congestion can affect your car insurance premiums.

In the sections below, we’ll provide you with some of the best information about driving safely in Dallas.

But for now, you can start your search for car insurance in the Big D today simply by entering your ZIP code below.

– Roads in Dallas

Folks in Dallas don’t necessarily have the best roads to drive on. Our research shows that 51 percent of the city’s roads are in poor or mediocre condition.

And with such astronomical growth rates, road construction is a constant in Dallasites’ lives.

Let’s look more deeply into the Big D’s roadways.

– Major Highways in Dallas

The Heart of the Metroplex is definitely a hub of major highways.

Some of the most major roadways in Dallas include:

  • Interstate 20
  • Interstate 30
  • Interstate 35
  • US 67

The map below shows just how many major roadways converge in this Texas-size city.

Dallas Highways

TollGuru also reports that there are several tollways in the DFW Metroplex. These include:

For a general look at Texas’ toll roads and bridges, check out this cool map from the Texas Department of Transportation.

– Popular Road Trips/Sites

So what is there to do in the Big D?

The short answer: a lot.

VisitDallas offers a great online guide for navigating Dallas’s must-see attractions.

Here’s a few of our favorites:

One of the darkest days in the history of Dallas — and the United States — was November 22, 1963, when President John Fitzgerald Kennedy was shot during a visit to Dallas. Today you can visit The Sixth Floor Museum at Dealey Plaza to learn more about that fateful day.

The Dallas Museum of Art is a world-class collection of over 23,000 objects, including masterpieces by Picasso, Rodin, Monet and Gauguin.

You can view all of Dallas — and beyond — from 561 feet in the air at Reunion Tower, one of the hallmarks of the Dallas skyline.

Housed on the campus of Southern Methodist University, The George W. Bush Presidential Library and Museum is a 14,000 square foot collection of artifacts and research on issues relevant to the presidency of George W. Bush.

But no matter what you choose to do, Dallas has something for everyone.

– Does Dallas use speeding or red light cameras?

Lucky for folks in Dallas, the city does not use speeding or red light cameras.

The State of Texas recently banned their use, in fact.

But you might still be wondering: what is the driving culture in Dallas, Texas, like anyway?

Read on to find out.

– Vehicles in Dallas

If you call Dallas home, chances are you live in a two-car household, have a commute of 26.6 minutes each way and drive alone to work.

In the sections below, we’ll look at the particulars of the Heart of the Metroplex’s car culture.

– How many cars per household

YourMechanic reports that the Dodge Challenger is Dallas’s most popular car model.

According to DataUSA, 41.1 percent of Dallas households own two vehicles. 30.1 percent of the city’s households own one vehicle, and 15.2 percent own three.

– Households without a Car

Around 4 percent of Dallas households don’t have a vehicle, according to DataUSA.

– Speed traps in Dallas

Dallas residents report that the Big D is home to some of the worst speed traps in the state of Texas. With our researching showing the city has some pretty bad congestion problems, this is not all that surprising.

Many of these speedtraps lie along the busy Interstate 20, Intersate 30 and Intersate 35 corridors.

But what is a speed trap in the first place? Check out the short video below to find out more.

Speedtrap or no speedtrap, it’s always important to drive at a safe and legal speed.

Follow posted speed limits to keep you and your family safe, and your car insurance premiums affordable.

– Vehicle Theft in Dallas

The Federal Bureau of Investigation reported that 7,913 vehicles were stolen in the city of Dallas in 2017. Only Houston sees more car thefts in the State of Texas.

NeighborhoodScout reports that crime is particularly high in Dallas, unfortunately.

Dallas, Texas, is safer than only 9 percent of other cities in the United States. The Big D has a big violent crime rate, too, 7.75 per 1,000 residents, higher than both Texas and national averages.

Let’s take a look at the traffic situation in Dallas.

– Traffic in Dallas

Dallas is a hub of congested highways that converge on one of the fastest-growing metros in the United States.

The Interstate 35 corridor — which runs through Dallas, Austin and San Antonio — is becoming even more congested by the day.

– Traffic Congestion

Dallas is the 21st most congested city in the United States.

Traffic monitoring agency INRIX reports that folks in this region spend an average of 76 hours or more in congestion per year. This leads to an average annual cost of $1,065 for each commuter because of traffic congestion alone.

TomTom explains that drivers face an average congestion level of 18 percent. This leads to Dallas residents spending an extra 10 minutes in congestion during the peak morning commute period, and an extra 14 minutes during the peak evening commute hours.

According to Numbeo, Dallas drivers are pushing against a traffic index of 160.34, a time index of 34.03 minutes, and an inefficiency index of 197.99.

– Transportation

According to DataUSA, citizens of Dallas face an average 26.6-minute one-way commute, slightly above the national average of 25.5 minutes.

2.01 percent of Dallas drivers have what’s called a “super commute,” which means a commute of over 90 minutes.

They also report that “in 2017, the most common method of travel for workers in Dallas, TX was Drove Alone (75.9 percent), followed by those who Carpooled (11.7 percent) and those who Worked At Home (4.64 percent).”

– How safe are Dallas’s streets and roads?

Though the National Highway Traffic Safety Administration doesn’t track city-specific roadway safety statistics, they do provide county-wide statistics for Dallas County, which, perhaps obviously, includes the city of Dallas.

Fun fact: Dallas County is the 2nd most populous county in Texas, and the 9th most populous county in the entire United States.

Dallas County had 295 traffic fatalities in 2018 alone.

The table below provides the number of traffic fatalities in Dallas County from 2014 to 2018 according to the National Highway Traffic Safety Administration.

YearFatalities
2014238
2015259
2016315
2017282
2018295

How safe are Dallas drivers, you might be wondering? Read on to find out.

– Allstate America’s Best Drivers Report

When it comes to “best drivers,”Dallasites could be doing quite a bit better.

For 2019, the Allstate America’s Best Drivers Report concludes that Dallas ranked as the 172nd safest driving city in the United States out of 200 metros. Come on, Big D, drive more safely.

On average, residents of the city also went around 7.2 years between filing each car insurance claim.

– Ridesharing

According to RideGuru, the following rideshare services are available in the city of Dallas, Texas:

  • Blacklane
  • Carmel
  • Curb
  • Jayride
  • Limos.com
  • Lyft
  • SuperShuttle
  • Talixo
  • Traditional taxis
  • Uber
  • Zum

Curb, Lyft, Uber and traditional taxis are available to pick you up from or take you to the area’s airports, including Dallas-Fort Worth International Airport (DFW) and Dallas Love Field (DAL).

– Weather in Dallas

Dallas is one of the central metro areas in the region known as Tornado Alley.

But not everything isn’t doom and gloom for Dallas weather. The city has an average annual high temperature of 77.1 degrees, and that’s pretty darn nice. Dallas’s average low temperature is only 51.5 degrees, and the overall average is a sweet 64.3 degrees.

Annually, the city receives an average of 40.97 inches of rain.

So you might be wondering: what are the public transportation options in sprawling Dallas?

– Public Transit in Dallas

Dallas Area Rapid Transit, or DART, is the mass transit agency serving Dallas, Texas, and the immediate surrounding area.

According to the DART, the system “gets you around Dallas, Texas, and 12 surrounding cities” via “DART Light Rail, Trinity Railway Express commuter rail, bus routes and paratransit services.”

DART serves more than 220,000 passengers per day across a 700-square-mile service area.

With fairly affordable fares, you can check out how much your trip will cost through DART’s comprehensive fare guide.

– Parking in Dallas

The City of Dallas contracts Parkmobile to oversee its public parking structures and on-street parking sites.

– Air Quality in Dallas

The Environmental Protection Agency (EPA) provides air quality reports for all cities and counties across the nation.

The agency designates an area’s air quality as good, moderate, unhealthy for certain groups, unhealthy, or very unhealthy for every day of the year.

Air quality in Dallas is generally good. The EPA designated 329 days as having good or moderate air quality in Dallas for 2018.

The table below shows the number of days in the Dallas-Fort Worth-Arlington, Texas, MSA with each EPA designation for the years 2016 to 2018.

YearGoodModerateUnhealthy for Sensitive GroupsUnhealthyVery Unhealthy
20181861432790
20171921492400
20162171311710

Military/Veterans

According to DataUSA, “Dallas, TX has a large population of military personnel who served in Vietnam, 1.39 times greater than any other conflict.” The city also has an above-average share of Gulf War veterans.

One military installation can be found in the Metroplex, just on the other side of Fort Worth. The Naval Air Station Joint Reserve Base Fort Worth “employs over 11,000 active, reserve, and civilian personnel and generates a $1.3 billion annual impact to the local economy and the North Central Texas region.”

If you are an active military member or veteran, you should know that our research shows that many car insurance companies offer discounts to either active or retired military personnel.

These companies include Allstate, Esurance, Farmers, Geico, Liberty Mutual, MetLife, Safe Auto, Safeco, State Farm, and The General.

And if you’ve been connected to the military in some way, it’s also good to know you might qualify for USAA car insurance. USAA is consistently ranked as one of the best auto insurance companies. In Dallas, they consistently provide premiums lower than all other insurers.

Unique City Laws

According to Dallas attorney Jason N. Thomas, Texas has a few unique law firms that send people to his office time and time again. These include:

  • DUI: When you receive a DUI in the state of Texas, you might not be the only one to pay for the crime. Texas law states that all passengers of the vehicle can lose their license when the driver is cited for DUI.
  • Windshield Wipers: Although it is illegal to drive without windshield wipers in the state of Texas, however you are allowed to not have a windshield.
  • Alcohol: In the state of Texas it is illegal to drive within arm’s length of alcohol. While the law itself doesn’t seem that odd, the details certainly do. It includes alcohol that is in another person’s bloodstream.

Be sure to check out the unique driving and traffic laws wherever you find yourself, lest you land on the wrong side of a Texas Ranger like Chuck Norris.

Dallas Car Insurance FAQs

Shopping for car insurance is no small task, but we hope that you now have a good grasp of the types of car insurance options available to you in Dallas, Texas, as well as some of the particulars about driving here.

But, we also want to help you make the Big D feel like home.

Here are some of the questions asked most by new and soon-to-be Dallas residents.

– Who handles the utilities in Dallas?

According to DestinationDFW, “Electric service in DFW underwent an enormous shift in January of 2002 when electricity was deregulated. For most of the area, this means that residents have a choice when it comes to who provides their electricity.

The Public Utility Commission (PUC) has a website at www.powertochoose.org to help you find the options available in your zip code.”

Most of Dallas gets gas services through Atmos Energy.

The City of Dallas provides residents with water, sewer and trash services.

– What are the state minimums for car insurance in Texas?

Texas requires drivers to have car insurance that meets or exceeds the following minimum coverage levels:

  • $30,000 for bodily injury liability per person injured in an accident you cause
  • $60,000 for total bodily injury liability when two or more people are injured in an accident you cause, and
  • $25,000 for property damage per accident you cause.

– What are the teenage driving laws in Texas?

According to AAA, there are three types of licenses for teens in the State of Texas:

LEARNER LICENSE
At age 15, teens can apply for a learner license in the state of Texas. To do so, both teen and parent must visit their local driver exam office, bring a state-certified copy of the teen’s birth certificate, or a valid United States passport, and show proof of Social Security number, name and age.

Acceptable documents showing full name and date of birth include certificates of birth, passports, military IDs and Immigration and Naturalization Service documents. Teens must pass a written driver’s knowledge test, a sign recognition test and a vision test to receive a learner license. In addition, the teen must be enrolled in driver education.

With a learner license, teens may only drive with a licensed driver age 21 or older supervising and sitting in the front seat. Teens are required to practice driving for at least 30 hours, including 10 hours at night, with a parent or a legal guardian, before they’re allowed a provisional license.

PROVISIONAL LICENSE
When teens turn 16, and have had a learner license for at least six months and have completed 30 hours of practice driving (including 10 hours at night), they can apply for this provisional license.

They also must pass a behind-the-wheel driving test and complete a state-certified driver’s education course and possess the classroom and behind the wheel certificates. Legal guardians must accompany their teens to the appropriate agency to sign the application form.

A teen with a provisional license is allowed to drive alone, but must follow certain restrictions. They may transport no more than one person under age 21 who is not a family member.

With a provisional license, they may drive between midnight and 5 a.m. only when accompanied by a licensed parent or guardian unless driving to/from employment, driving to/from a school-authorized activity or for a medical emergency.

Teens under age 18 may not use electronic communications devices while driving and all passengers are required to wear seat belts. Additionally, all teen drivers under age 21 are required to abide by Texas’ ZERO tolerance law which prohibits any measurable amount of alcohol in their bloodstream.

FULL LICENSE
At age 18 teens who have successfully completed the provisional license phase are eligible for an unrestricted license. All original licenses, other than a learner license, issued to persons under 18 years of age will be marked “Provisional.”

The license will be vertical and will be dated to expire on the applicant’s 18th birthday or next birthday occurring after the date of issuance.

A parent-teen driving agreement can help you enforce licensing rules that the state and your family set. An agreement helps you and your teen understand the rules of the road and sends a clear message that driving is an earned privilege that your family takes seriously.

– What’s the sales tax like in Dallas?

The combined sales tax rate for Dallas is 8.25 percent.

– Where is the airport?

Good question.

Dallas-Fort Worth International Airport (DFW), located at 2400 Aviation Dr, DFW Airport, TX 75261, is the largest hub for American Airlines and the 15th busiest airport in the world.

DFW even has its own ZIP code: 75261.

Dallas is also served by Dallas Love Field (DAL), a city-owned airport located at 8008 Herb Kelleher Way, Dallas, TX 75235. Love Field is the headquarters and largest hub for Southwest Airlines.

– How many people live in the greater Dallas area?

The metropolitan statistical area (MSA) of Dallas–Fort Worth–Arlington, Texas, encompasses 13 counties, including Collin County, Dallas County, Denton County, Ellis County, Hunt County, Kaufman County, Rockwall County, Johnson County, Parker County, Tarrant County and Wise County.

With 6,700,991 residents, Dallas-Fort Worth-Arlington, Texas, is the 4th-biggest MSA in the United States.

– Is there really anything to do in Dallas?

Those are fightin’ words, cowpoke. Of course there is a lot to do in Dallas.

From fine, eclectic cuisine (especially Tex-Mex) to world-class art and theater, we think Dallas has a lot to offer for a weekend or a lifetime.

Speaking of cuisine, check out the video below for a Dallas spot many call the best BBQ in Texas.

We know researching and buying car insurance is no simple task, but by carrying some basic knowledge with you, you are better equipped to handle the challenges it brings.

And that’s why we created this guide: to help you obtain that basic knowledge for the City of Dallas.

What part of this Dallas car insurance guide was the most helpful?

Was there something we could explain better? Please, let us know.

To get started on finding you and your family the best car insurance rates in Dallas, Texas, simply enter your ZIP code below.

References:

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