Cheapest Auto Insurance in Dallas, Georgia (2025)
Progressive offers the cheapest car insurance in Dallas, with minimum-coverage policies as low as $97 per month.
Secure. Free. Easy-to-use.
Around 15,000 people live in Dallas, Georgia, an exurb of Atlanta. The overall average cost of car insurance in Dallas is $230 per month, more than the national average of $144.
Dallas residents may face expensive auto insurance rates for a few different reasons. Though it has a fairly small population, the city has a relatively high population density of around 1,900 people per square mile.1 The regularity of severe weather in Georgia also contributes to expensive auto rates in the state, due to the risk for potential damages.
Here’s what you need to know about finding cheap car insurance in the Dallas area.
3 of the cheapest car insurance companies in Dallas, Georgia
Drivers in Dallas, Georgia, have a number of quality options when it comes to finding affordable car insurance. But the best car insurance company looks different for everyone because insurers consider your driving record, age, location, vehicle, and credit history. Comparing a few companies can help you find the best insurer for your needs.
Below, you can see some of the best car insurance companies in Dallas and what they stand out for.
Best insurer for cheap rates: Auto-Owners
Best insurer for young drivers: State Farm
Best insurer for military families: USAA
How to get the cheapest car insurance in Dallas
Drivers in Dallas can save money on auto insurance in a number of ways. Here are some tips for getting the cheapest premium for your situation:
Bundle your policies. Most insurance companies offer a discount if you purchase car insurance with another insurance product, like homeowners insurance or renters insurance.
Take advantage of discounts. Most insurers offer a number of discounts. For example, you can sometimes save money on your annual premium if you pay up front and in full instead of in monthly installments.
Choose a high deductible. If you have a full-coverage insurance policy, choosing high deductibles for collision and comprehensive insurance will typically lower your premium.
Compare quotes. Car insurance companies charge different rates for the same type and amount of coverage. Comparing quotes from several insurers can help you find the cheapest company for your insurance needs.
Cheapest liability-only car insurance in Dallas: Progressive
All vehicle owners in Dallas, Georgia, must carry a minimum amount of liability coverage. Personal liability insurance covers your legal and financial responsibilities if you cause an accident and are liable for the other driver’s bodily injuries or property damage. It doesn’t cover any of your medical expenses or vehicle repairs.4 Liability-only policies in Dallas cost $194 per month, on average.
Minimum coverage is the cheapest type of car insurance available, but rates vary by insurance company. In the table below, you can see which Dallas car insurance companies have the cheapest rates for liability-only insurance.
Cheapest full-coverage car insurance in Dallas: Auto-Owners
Full-coverage insurance provides more protection than liability insurance. A standard full-coverage policy includes liability, collision, comprehensive, and medical payments coverage. If you have an accident, full-coverage insurance can pay for your losses. It also covers your vehicle repairs following non-collision incidents like vandalism, fire, and weather events. Dallas drivers pay an average of $267 per month for full coverage.
Here are the Dallas insurance companies with the cheapest full-coverage premiums.
Car insurance requirements in Dallas
Georgia drivers must carry a minimum amount of car insurance, including bodily injury and property damage liability.5 Georgia is a tort, or fault, state. In the event of an accident, the at-fault driver’s auto insurer compensates the other driver for their resulting medical expenses and vehicle repairs.
In addition to the required liability coverage, Dallas drivers can also add optional coverages to their policy. You should consider the following insurance endorsements for more vehicle protection:
Cheapest car insurance for drivers with an incident
Having any incidents on your driving record, including speeding tickets or at-fault accidents, can affect the cost of your auto insurance. People with these violations on their record usually pay higher rates for insurance because they pose a greater risk for companies to insure. More serious violations, like driving under the influence, typically have the biggest effect on cost.6
Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Receiving a speeding ticket can cause your car insurance premium to increase. The actual rate increase depends on many factors, including your insurance company and your existing driving record. The average cost of car insurance for drivers with a speeding ticket in Dallas is $327 per month for full coverage and $237 for liability only.
In the table below, you can see which car insurance companies in Dallas have the cheapest average monthly liability-only rates for drivers with a speeding ticket.
Cheapest car insurance for drivers with an at-fault accident: Progressive
If you have an at-fault accident on your driving record, your insurance premium will probably increase unless you have optional accident forgiveness. However, you won’t see the rate increase immediately. Most insurance companies review your driving record when your policy renews and adjust your premium accordingly. For Dallas drivers with an accident, the average cost of car insurance is $357 per month for full coverage and $259 for liability only.
Below, you can see which Dallas car insurance companies have the cheapest liability-only monthly rates for drivers with an at-fault accident.
Cheapest car insurance for drivers with a DUI: Mile Auto
A DUI is one of the most serious violations you can get. If you’ve been convicted of driving under the influence, you can expect your auto insurance premium to increase significantly. Depending on whether your current insurance company works with high-risk drivers, your insurer may not renew your policy. After a DUI, Dallas drivers can expect to pay an average of $430 per month for full coverage and $312 for liability only.
Shopping around for new car insurance quotes after a DUI could help you find a more affordable rate. Here are the cheapest car insurance companies in Dallas for drivers with a DUI.
Cheapest car insurance for seniors: Mile Auto
Senior drivers tend to pay higher car insurance rates than middle-aged adults. Premiums usually decrease around age 35 and increase again around age 70, according to Insurify’s internal rate data. But the cost of car insurance for seniors depends on other factors besides age, including your driving record, credit history, coverage limits, and chosen deductible. The average cost of car insurance for senior drivers in Dallas is $235 per month for full coverage and $171 for liability only.
Here are the cheapest car insurance companies for senior drivers in Dallas.
Cheapest car insurance for teens: Progressive
Teen drivers pay the highest rates for car insurance out of any age group. Newly licensed teens have higher accident rates than older drivers and lack experience on the road.7 Auto insurers account for this added risk by charging more expensive rates. The average cost of car insurance for teen drivers in Dallas is $477 per month for full coverage and $346 for liability only.
Although teen drivers pay high insurance premiums, you can find ways to get cheaper car insurance. For example, many insurers offer discounts for students who get good grades in school and drivers who insure a safe car. Teens can also get cheaper car insurance by joining their parents’ existing car insurance policy.
In the table below, you can see which Dallas car insurance companies have the cheapest average monthly rates for teen drivers.
Dallas car insurance quotes by credit tier
Georgia car insurance companies use credit-based insurance scores. When you apply for a car insurance policy, the insurance company can check your credit history and use it to set your premium. In general, drivers with excellent or good credit pay lower rates than drivers with poor credit.
Below, you can see the average monthly cost of full-coverage car insurance in Dallas, Georgia, for drivers based on credit tier.
Is car insurance more expensive in Dallas?
Car insurance in Dallas, Georgia, is much more expensive than the U.S. national average. The average Dallas driver pays $267 per month for full coverage and $194 for liability-only coverage. To compare, the average American driver pays $184 per month for full coverage and $104 for liability-only coverage.
Georgia drivers pay average rates of $250 per month for full coverage and $164 for liability only. Drivers in Georgia may pay higher rates due to the regularity of severe weather in the state and high traffic congestion in certain areas. Dallas also has a high population density in relation to the city’s relatively small population.
More cities in Georgia
Location is another factor that affects the cost of car insurance in Georgia. Depending on your city and ZIP code, you might pay more or less than the average rate in Dallas. For example, Insurify data shows that the overall average premium in Atlanta is $279 per month, higher than the average rate in Dallas. However, drivers in Marietta pay less on average than drivers in Dallas.
Below, you can see the average liability and full-coverage car insurance premiums in several other Georgia cities.