Auto Insurance Dallas, TX

At The Thumann Agency, we know shopping for car insurance can be confusing. That’s why we make it simple and stress-free. As an independent broker, we compare top auto insurance companies to find the best Dallas auto insurance policy for you—at the right price.

See how much you could save! Call us today at 972-991-9100 to get started.

Why Choose the Thumann Agency

When you choose us, you’re not just getting a one-size-fits-all policy. We work to tailor a car insurance policy that fits your needs, lifestyle, and budget. Here’s why the Thumann Agency is your go-to for auto insurance:

We Shop Around for You: With access to a wide range of insurance providers, we compare policies and rates to find you the best deal.
Personalized Coverage: Whether you need basic liability or full coverage, we’ll make sure your policy fits like a glove.
Local Experts: Based in Dallas, TX, we know the specific requirements and challenges of driving in Texas, so you’re always in good hands.
Fast and Easy Quotes: Get an online quote in minutes or call us for a personalized consultation with one of our experts.

Start saving money today, Get a Quote

What Does Auto Insurance Cover?

Auto insurance isn’t just about following state laws — it’s about protecting yourself and others on the road. In Texas, you’re required to have minimum liability coverage, but there are several other types of coverage to consider:

Liability Coverage: Covers damages to others if you’re at fault in an accident.
Collision Coverage: Pays for repairs to your own vehicle after a collision.
Comprehensive Coverage: Protects your vehicle from non-collision events like theft, vandalism, or weather damage.
Uninsured/Underinsured Motorist: Provides coverage if you’re hit by a driver without insurance.
Personal Injury Protection (PIP): Covers medical expenses and lost wages if you’re injured in an accident, regardless of fault.

These coverages provide financial protection in various scenarios, ensuring that you are covered for medical expenses, legal services, and other costs beyond the minimum liability limits mandated by law.

Not sure which coverage you need? Talk to one of our helpful agents and we’ll guide you through your options to find the best fit for you. 972.991.9100

How Much Does Auto Insurance Cost in Dallas?

The average monthly cost of auto insurance in Dallas varies based on the coverage level:

Minimum Coverage: Approximately $79 per month.
Full Coverage: Approximately $207 per month.

However, these averages can fluctuate depending on factors such as your driving record, age, credit score, and the specific area within Dallas where you reside. For instance, certain neighborhoods may have higher rates due to increased traffic or theft statistics. But don’t worry — as an independent agency, we’ll help you find a policy that fits your budget.

Start saving money today, Get a Quote

Texas Auto Insurance Requirements

In Texas, you’re required to have at least the following minimum coverages:

$30,000 for injuries per person
$60,000 total per accident
$25,000 for property damage

However, minimum coverage may not be enough to fully protect you in the event of a serious accident. We can help you assess whether additional coverage is right for you — call (972) 991.9100 for a free consultation.

Factors That Affect Your Insurance Rate

Several factors can impact the cost of your auto insurance premium for Texas drivers. Understanding these can help you make informed decisions:

Driving Record: A clean record means lower rates, while accidents or violations increase premiums.
Age and Gender: Younger drivers, especially males under 25, tend to pay more.
Location: Living in urban areas like Dallas or Houston often results in higher premiums due to more traffic and accident risk.
Credit Score: A higher credit score usually leads to lower premiums.
Vehicle Type: Expensive or luxury cars cost more to insure, but safety features can lower your rate.
Annual Mileage: The more you drive, the higher your rate. Low-mileage drivers may qualify for discounts.
Coverage Levels and Deductible: Higher coverage increases your premium, but a higher deductible can lower your monthly payments.
Marital Status: Married drivers often pay less than single drivers.
Claims History: Filing multiple claims can increase your rate over time.
Uninsured/Underinsured Motorist Coverage: Adding this coverage increases your premium slightly but provides extra protection.
Discounts: Many insurers offer discounts, including safe driver, bundling, good student, and vehicle safety features discounts.

Curious about how these factors affect your rate? Talk to one of our helpful agents today (972) 991.9100

Ways You Can Save on Car Insurance Rates in Texas

We understand how important it is to find affordable coverage without compromising protection. Here are a few helpful ways to lower your premium:

Bundle Your Policies: Combine your auto insurance with homeowners or renters insurance to qualify for multi-policy discounts.
Raise Your Deductible: Opting for a higher deductible can lower your monthly premium. Just make sure you can cover the deductible amount if you file a claim.
Maintain a Clean Driving Record: Avoiding accidents and traffic violations will help keep your rates low.
Ask About Discounts: Many insurers offer discounts for things like safe driving, good grades for students, or having anti-theft devices installed.
Use Telematics: Some insurers offer discounts if you enroll in a telematics program that tracks your driving habits.
Low-Mileage Discounts: If you don’t drive often, ask about discounts for low annual mileage.
Drive a Safe Vehicle: Cars with safety features like anti-lock brakes and airbags can help you save.
Take a Defensive Driving Course: Completing an approved course can sometimes lower your premium.
Active Duty Military Members: Special discounts are available for active duty military members as a gesture of appreciation for their service.

SR-22 Insurance in Dallas, TX

If you’ve had a run-in with the law due to a DUI or reckless driving, you might be required to carry SR-22 insurance in Dallas, TX. This type of high-risk insurance is mandated for drivers who have had their licenses suspended or revoked. An SR-22 form is a certificate of financial responsibility that you must file with the Texas Department of Public Safety, proving that you have the minimum liability coverage required by the state.

While SR-22 insurance can be more expensive than standard car insurance, it’s a necessary step to get back on the road legally. The key to managing these costs is to shop around and compare rates from different insurers. At the Thumann Agency, we can help you find the most affordable price for your SR-22 insurance, ensuring you meet state requirements without breaking the bank. Contact us today to explore your options and get back on the road with confidence.

Navigating Dallas Traffic: Tips for Safe Driving in Congested Conditions

Driving in Dallas can be challenging due to heavy traffic and road conditions. The Dallas-Fort Worth area is one of the most congested regions in Texas, with drivers spending an average of 54 hours per year stuck in traffic. This congestion, along with ongoing construction and occasional potholes, can make driving in the area tricky.

To stay safe on Dallas roads, it’s important to follow traffic laws, maintain a safe distance, and avoid distractions. Keeping your vehicle well-maintained and being prepared for unexpected road conditions will help you navigate Dallas streets more safely.

Q&A's

Here are answers to some frequently asked questions:

What is the minimum amount of car insurance required in Texas? Texas law requires drivers to have at least $30,000 in bodily injury liability per person, $60,000 in bodily injury per accident, and $25,000 in property damage liability per accident (30/60/25 coverage).
Do I need comprehensive and collision coverage in Texas? Comprehensive and collision coverage may be required by your lender if you lease or finance your vehicle.
Can I get a discount on my car insurance if I have a good driving record? Yes! Many insurance companies offer discounts for drivers with a clean record, and there are often additional discounts for safe driving, good grades, or vehicle safety features.
Do I need Full Coverage or Comprehensive Car Insurance? Check out our helpful article on Understanding Full Coverage vs. Comprehensive Car Insurance

Start your free Auto Insurance quote today to discover the best rates and coverage options for your needs!

Addition Resources:

Last Updated: 03.18.2025

Author: Steve Thumann - Agency Principle

Disclaimer: This information is provided for general educational purposes only and is not intended to be construed as legal advice or as a complete description of available insurance products or coverages. Coverage terms, conditions, limitations, and exclusions vary by state and insurance provider. Not all products, coverages, or discounts mentioned are available in all states, including Texas. The examples and descriptions provided are for illustrative purposes only. For specific information about your insurance needs or questions about coverage, please contact The Thumann Agency directly.