Auto Insurance Dallas, TX

Paying Too Much for Car Insurance in Dallas?

Getting auto insurance in Dallas shouldn’t feel complicated — especially with heavy traffic, frequent hailstorms, and plenty of drivers on the road who don’t carry enough coverage. You need coverage that’s built for how you actually drive, not just the state minimums.

The Thumann Agency is an independent insurance broker serving Dallas drivers. That means we compare auto insurance options from multiple carriers to help you find coverage that fits your vehicle, your lifestyle, and your budget — without pushing you into a one-size-fits-all policy.

Get a Dallas auto insurance quote in minutes:

Tell us about your vehicle and driving needs
We compare options from multiple carriers
You choose - we send proof of insurance

Call 972-991-9100 or request a quote online to get started.

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Independent broker · Serving Dallas & surrounding North Texas communities

Desni Cox went above and beyond to constantly update my insurance to help get me the lowest costs! Highly recommend this company, very quick responses and kind people. - Augustus

I recommend Thuman as they are professionals and they can write on so many different carriers! They will find you policies that work for YOU! Thanks for an awesome job!
- Karen

I wanted to take a moment to thank you for your professionalism and patience while helping me set up my mortgage and auto insurance. Your guidance and attention to detail made the process much easier and less stressful. I truly appreciate your effort in ensuring everything went smoothly. - Andy

Why Dallas Drivers Choose The Thumann Agency

Choosing auto insurance isn’t just about price — it’s about knowing your coverage will respond when you need it. Our local team takes the time to review your options, explain coverage in plain language, and help you choose a policy that actually makes sense for your situation.

Here’s what you can expect when you work with us:

We shop the market for you
As an independent agency, we compare policies from multiple auto insurance carriers so you can see real options in one place.
Coverage tailored to how you drive
Whether you need basic Texas liability, full coverage, or added protection, we help align your policy with your real-world risks.
Local Dallas expertise
From congested highways to weather-related claims, we understand the challenges Dallas drivers face and factor that into your coverage.
Fast quotes and real support
Get a quick online quote or speak directly with a knowledgeable agent who can answer questions clearly and help you move forward with confidence.

Compare Dallas auto insurance options today - request your quote or call 972-991-9100.

What Does Auto Insurance Cover?

Auto insurance isn’t just about meeting Texas requirements - it’s about protecting your finances if something happens on the road. Most Dallas drivers build coverage around a few key parts:

Liability coverage – Pays for injuries and property damage you cause to others.
Collision coverage – Helps repair your vehicle after an accident (regardless of fault).
Comprehensive coverage – Helps with theft, vandalism, glass, and weather damage (including hail).
Uninsured / underinsured motorist – Helps if you’re hit by a driver with little or no insurance.
Personal Injury Protection (PIP) – Helps with medical bills and lost wages for you and your passengers.

If you drive a keyless or push-button vehicle, comprehensive coverage matters more than many people realize. Thieves increasingly use relay devices to target these cars — here’s our guide: Keyless Car Theft in Texas: How to Protect Your Vehicle.

Not sure what you actually need? Call 972-991-9100 and we’ll walk you through the options in plain language - or see our guide on Full Coverage vs. Comprehensive Car Insurance

How Much Does Auto Insurance Cost in Dallas?

Auto insurance rates in Dallas can vary widely depending on where you live, what you drive, and how your policy is built. That’s why it’s important to look at averages as a starting point, not a guarantee.

According to Bankrate, the average cost of auto insurance in Dallas, TX is approximately:

$3,146 per year for full coverage
$903 per year for minimum liability coverage

Your actual price may be higher or lower based on factors like your ZIP code, driving record, vehicle type, coverage limits, and deductibles.

That’s where working with an independent agency makes a difference. Instead of guessing or settling for the first quote you see, we compare options from multiple carriers to help you find coverage that fits your needs and your budget.

Want to talk to a real person?
Call 972-991-9100

Rates shown are averages for comparison purposes. Individual premiums vary.

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: 11.20.2025

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.