Dallas, TX may only be the 3rd largest city in Texas, but the entire Dallas-Fort Worth metropolitan area is the largest in the entire Southern region of the United States. If you need to drive around this large, densely populated and complex area, choose the best Dallas, TX car insurance for your needs.
How can you find the right coverage in Dallas? Local independent Trusted Choice® network agencies are located in the city. Since these agents are local, they understand the needs of city residents. Since they are independent, they are free to shop the market for the right prices and plans. Get free Dallas auto insurance quotes and personal service from a Trusted Choice member agent. Find an agent today.
Average premiums in Texas are a bit higher than the national average, but keep in mind that there is not just one right Dallas car insurance company for every resident. The city is large and diverse, and it is important to shop around for the right coverage for you and your family of drivers.
For example, teachers who can walk or drive a short distance to a neighborhood Dallas ISD school my quafty for a low-mileage discount. Young students at UT Dallas, Southern Methodist University or Woodrow Wilson High may be considered higher risk drivers. Commuters who must navigate I-45 back and forth to Houston frequently may also fall into a higher risk category. A good local agent can help you find the right car insurance for all of the drivers in your family.
Dallas residents, like all Texans, have to purchase minimum required liability insurance or face penalties. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension. In addition, the new Texas Sure program gives the Dallas police and other officials a quick way to find out which cars are not covered.
The number of uninsured drivers in Texas is a bit higher than the national rate. Uninsured motorist coverage is not required in this state. However, you may want to consider getting it, so you can rest assured that damage or injuries caused by an at-fault driver who doesn't have insurance will be compensated.
The City of Dallas and a few area suburbs have uninsured motorist towing laws on the books. If the police stop a car for traffic violations they can have the vehicle towed and impounded on the spot if the driver lacks insurance. In addition to paying the normal state fine, uninsured motorists will have to purchase a policy and pay towing fees to get their car back.
The National Insurance Crime Bureau (NICB) ranks U.S. cities by the rate of stolen vehicles. The Dallas Metropolitan area ranks #66 on this list. It is also #7 in Texas, a state with a higher than average rate of auto thefts when compared to the entire country.
Only comprehensive auto insurance covers losses from auto thefts or vandalism.
If you live in the Dallas area, the sheer size of the city may make it difficult to shop around for the right policy at the right price. Contact a local independent Trusted Choice member agent to help you compare Dallas car insurance companies and coverage options. Count on personal service and a fair deal from a local Trusted Choice member agent.