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Dallas is a city that combines old-timey charm with a modern vibe, making it a wonderful place to live. It's famous for its impressive skyline filled with really tall buildings. Dallas buzzes with lively energy you can feel in its rich culture and incredible museums, to name a few of its wonders. You can also find delicious Southern food and big international companies; it is home to the Dallas Cowboys. The city is packed with cool places like the Reunion Tower, Dealey Plaza, the Dallas Zoo, and The Sixth Floor Museum.
Dallas is a huge player in the economy, making it the fourth-largest metropolitan area in the US. A strong economy means more people are working, and when more people have jobs, more need to drive to work. That's why having car insurance is so important.
The U.S. Census Bureau says 95.3% of Texas workers use a car, truck, or van to get there. That's why having car insurance is even more crucial.
Quick Facts About the Auto Insurance in Dallas:
- In Dallas, Texas, the speed limits go as high as 85 mph - this is much faster than the average speed limit in the US, which is about 69.8 mph.
- According to the U.S. Census Bureau, almost 95.3% of people who have jobs in Texas use a car, truck, or van to get to work.
How much does Auto Insurance in Dallas Cost?
Based on the city you are in, the cost of insurance varies based on several different factors. Take Car Insurance in Dallas as an example; In Dallas, regular car insurance costs about $93 a month for basic coverage and around $208 a month for full coverage. Dallas drivers pay the same as the Texas average. At CINCO Auto Insurance , we give you an affordable rate without compromising the quality of coverage you receive.
The following table illustrates how much the costs of average monthly quotes of Full Coverage vary by each town:
Auto Insurance Costs by Zip Code in Dallas:
Dallas covers over 100 zip codes, and the rates for Vehicle insurance in Dallas vary significantly based on the zip code of your location. Factors such as the number of uninsured motorists residing in your zip code, the number of crimes happening every day, and the rates of accidents, among other things, may alter insurance costs from zip code to zip code.
| Zip Code | Average Monthly Quote (Liability) |
| 75287 | $101 |
| 75243 | $122 |
| 75228 | $113 |
| 75231 | $103 |
| 75204 | $85 |
| 75206 | $95 |
| 75252 | $95 |
| 75217 | $116 |
| 75219 | $112 |
| 75216 | $130 |
| 75211 | $88 |
| 75254 | $105 |
| 75227 | $94 |
| 75241 | $94 |
| 75248 | $79 |
| 75234 | $99 |
| 75237 | $92 |
| 75235 | $102 |
| 75232 | $104 |
| 75240 | $108 |
Car Insurance Rates by Age in Dallas:
Your age has quite an impact on the money you pay for insurance. The rates of auto coverage in Dallas ary with the policyholder's age. If someone who has just gotten their driver's license buys insurance, it is more expensive as the stakes are high. Similarly, if someone with more experience and age buys insurance, their premiums will be lower because of the lower chances of accidents and traffic violations.
However, at CINCO Auto Insurance, affordability is every customer's right, regardless of their situation. We work closely with our customers to provide them with a price range within your limit. In Texas, the average monthly rates for different age groups are as follows:
Driving Conditions in Dallas:
How many accidents happen in Dallas every year?
According to the TxDOT's Crash Records Information System, 54,558 car crashes were recorded in Dallas County alone in 2022. These accidents resulted in deaths, serious medical injuries, and a lot of property damage. This figure makes up about 10% of all the recorded accidents in Texas. The number of deaths reported was 324, which makes it more sad.
On average, the number of car accidents that occurred each day in Dallas County was reported to be around 149. The figures may be different based on different sources, but it is established that the rates are genuinely high. Buying auto insurance from CINCO Auto Insurance will safeguard you and your vehicle in case of any mishap.
How bad is Dallas Traffic?
According to the Texas A&M Transportation Institute's 2021 Urban Mobility Report, those who commute in Texas lost around $848 in money and 40 hours in time due to the traffic in 2020. The pandemic may have reduced these hours, but looking at the ever-rising population, Traffic only seems to increase in the future.
The population in Dallas is growing continuously, the impact of which is seen directly on the roads as traffic congestion. The population increase in Dallas in 2020 alone was 120,000 Comprehensive coverage will protect your vehicle from every damage and accident in these escalating traffic conditions
Minimum Car Insurance Requirements in Dallas:
In Dallas, Texas, you need to have a type of insurance called professional liability coverage . It is commonly known as the "30/60/25" plan. Here are the minimal coverages you must have according to the State Guidelines:
- $30,000 for each person's Bodily Injury Liability (BI).
- $60,000 for Bodily Injury Liability (BI) in total for one accident.
- $25,000 for Property Damage Liability (PD).
So, if there's an accident, your insurance will pay up to $60,000 for injuries but no more than $30,000 for one person. It also covers up to $25,000 for property damage. Unless you decline it in writing, you must get at least $2,500 in Personal Injury Protection (PIP) insurance.
Major Discounts for Auto Insurance in Dallas:
The easiest way to save money is by looking for discounts. CINCO Auto Insurance offers its customers a wide range of discounts because we aim to make car insurance accessible to everybody. A few major discounts that we provide are listed below.
| Military discounts | Renewal Discounts | Continuos insurance discounts |
| Multi-policy Discounts | Marriage Discount | Loyalty discounts |
| Multi-car Discounts | Bundling Discounts | Accident-free Discount |
| Costco Discount | Defensive Driving Course Discount | Teen Drivers |
| Lien Holder Discount | Senior Drivers, | Bundling Policies |
| Good driver Discounts | Paid-in-Full | Automatic Payments |
| Occupational discounts | Paperless Billing | Vehicle Safety Ratings and Features |
| First Responders | Affiliation Discounts | Low Mileage Discounts |
| Mature, retired, or senior discount | User-Based | Telematics-Based |
Penalties for Traffic Violations/Offenses in Dallas:
When driving in Texas, it's really important to have proof that you have insurance. The police want to see your driver's license, the papers for your car, and evidence that says you have car insurance. If you don't have these, you're breaking the law.
If it's the first time you break this rule, you might have to pay between $175 and $350 in fines. But if you do it again, the penalty could go up to between $350 and $1000. Below are some of the most common violations in Dallas city and the increase in premium these violations could lead to.
Here is a list of some common traffic violations and the increase in insurance prices they bring.
| Violation | Premium Increase After Infraction |
| Red Light Infraction | 23% |
| Speeding Ticket | 27% |
| Reckless Driving Infraction | 98% |
| Suspended Driver’s License Infraction | 104% |
| DUI | 107% |
Major Amenities in Dallas:
Dallas is home to many different amenities and government entities that serve its community of people from different backgrounds. The Department of Motor Vehicles (DMV) Offices in Garland facilitate vehicle registrations and other activities related to your vehicle, such as the Texas Department of Public Safety in North and South Mega Center, Dallas.
Another great quality of Dallas city is its well-equipped libraries, such as The J. Erik Jonsson Central Library, which offers a lot of knowledge of various subjects. When it comes to the smooth functioning of the economy, Dallas, Collin, and Tarrant County Tax Offices play a prominent role in the process of tax collection and management. Other Tax offices exist in Oak Cliff, Mesquite, Grand Prairie, etc. All in all, these amenities add to the greatness of the city.
From License Renewals to Title Transfers, We've Got You Covered; Discover the top 4 DMV offices near your town!
| Name | Address | Contact Number | Official Website |
| Texas Department of Public Safety | 4445 Saturn Rd Ste A Garland, TX 75041 | 1 214-861-3700 | Link |
| Dallas County Tax Office | 6820 Lyndon B Johnson Fwy Dallas, TX 75230 | 1 214-653-7811 | Link |
| Dallas/OakCliff Tax Collector Office | 408 S Beckley Ave Dallas, TX 75208 | 1 214-653-7811 | Link |
| Texas Department of Public Safety Driver License Center | 39025 Lbj Service Rd Dallas, TX 75232 | 1 214-330-3958 | Link |
Get a Quote for Car Insurance in Dallas Now!
Embracing the responsibilities of a diligent driver goes beyond simply navigating the road; it includes a never-ending commitment to your own safety and that of your vehicles. At CINCO Auto Insurance , we know the significance of protecting your vehicle.
Let CINCO Auto Insurance be your guiding light toward a reliable car insurance policy. Receive a quote online, call us at 855-336-8555, or email your query to startsaving@cincoautoinsurance.com .