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Auto Insurance in Dallas, TX (The Complete Guide)

Dallas, TX, Statistics 
Density3,848 people per square mile
Average Cost of Insurance in Dallas$2,837.28
Cheapest Car Insurance Company USAA
Road ConditionsPoor: 21%
Mediocre: 31%
Fair: 20%
Good: 28%
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Dallas is also known for its high concentration of restaurants and shopping centers. It is truly a cosmopolitan city.

Besides being home to the Cowboys, almost 1.5 million people call the city of Dallas home. With a lot of people, it stands to reason there are a lot of drivers on the road, and a lot of questions about car insurance.https://datausa.io/profile/geo/dallas-tx

Let us ease your minds and your fears, and let us help you navigate the treacherous roads of car insurance.

Table of Contents

The Cost of Car Insurance in Dallas

Car insurance and how much it costs can be affected by many things:  the part of Dallas you live in, whether you are married, your credit history, your gender, and how long it takes you to commute to work, for starters.

What city you reside in will impact your car insurance. That’s why it’s essential to compare Dallas, TX against other top US metro areas’ auto insurance costs.

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Continue on to find out how several different factors can affect your rates in Dallas, Texas.

Male vs Female vs Age

Gender and age can affect your car insurance rates. This tends to be the case with most cities and most states in the United States.

Age is a significant factor for Dallas, TX car insurance rates. Young drivers are often considered high-risk. This Dallas, Texas does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Dallas, TX.

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Car insurance rates are higher for males than females because they are more prone to risky behaviors at an early age.

Dallas, Texas car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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When it comes to the cost of car insurance, males tend to pay more for car insurance yearly than females in Dallas. We broke this down to see how this is divided by the various car insurance providers.

CompanyMarried 35-year old femaleMarried 35-year old maleMarried 60-year old femaleMarried 60-year old maleSingle 17-year old femaleSingle 17-year old maleSingle 25-year old femaleSingle 25-year old maleAverage
American Family$3,798.52$4,238.09$3,508.73$4,035.51$10,138.75$13,345.28$5,489.27$6,279.10$6,354.16
State Farm$2,439.66$2,439.66$2,178.06$2,178.06$5,924.37$7,562.13$2,658.19$2,735.51$3,514.46
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When it comes to the price of car insurance, age, and gender tend to play a large role in the cost of car insurance in Dallas. If you are 60 and married, as well as female, you will get off the cheapest (in the amount of $2,760.78).

The median age of people who live in Dallas is 33.3 years old, according to Data USA.

Cheapest Zip Codes in Dallas

When it comes to your zip code, it could affect you in the form of either paying more or paying less for your car insurance.

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Dallas, TX auto insurance rates by ZIP Code below:

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There are 105 zip codes in Dallas. Where do you live?

Look at the table below and search for your zip code to see how your zip code affects your rates in Dallas.

Zip CodeAverage
75252 $5,855.07
75287 $5,981.60
75248 $6,242.93
75234 $6,380.75
75249 $6,412.19
75206 $6,426.18
75253 $6,446.93
75218 $6,492.29
75244 $6,500.93
75205 $6,526.48
75229 $6,532.33
75214 $6,546.17
75238 $6,606.33
75236 $6,620.41
75225 $6,639.41
75204 $6,673.60
75209 $6,674.29
75220 $6,739.91
75243 $6,779.35
75240 $6,788.61
75230 $6,804.12
75208 $6,814.70
75235 $6,815.36
75254 $6,844.80
75251 $6,848.28
75212 $6,865.53
75226 $6,886.67
75228 $6,889.26
75246 $6,894.37
75202 $6,903.26
75270 $6,921.29
75224 $6,961.67
75201 $6,982.10
75227 $7,018.13
75232 $7,021.44
75211 $7,072.08
75237 $7,091.71
75231 $7,091.77
75223 $7,117.65
75203 $7,138.85
75233 $7,141.20
75219 $7,193.72
75241 $7,209.75
75216 $7,246.53
75215 $7,276.00
75210 $7,361.36
75398 $7,509.20
75247 $7,556.97
75342 $7,569.42
75260 $7,598.40
75242 $7,746.44
75207 $7,902.34
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What’s the best car insurance company in Dallas?

When it comes to the “best”, the word best can mean different things for different people. In the sections below, we outline different factors as to what might be considered the best, by different categories such as the cheapest rates, commute rates, credit history, and much more.

The cheapest Dallas, TX car insurance providers can be found below. You also might be wondering, “How do those Dallas, TX rates compare against the average Texas car insurance company rates?” We uncover that too

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Read these tips to help you decide which auto insurance is best for you.

Cheapest Car Insurance Rates by Company

There are several major car insurance companies in the city of Dallas, Texas.

For your convenience, we listed those companies, and the average annual cost, in the table below.

CompanyAverage Annual Rate
American Family$6,354.16
State Farm$3,514.46
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USAA tends to be the cheapest in terms of rates, while Allstate is the most expensive for rates.

Best Car Insurance for Commute Rates

In the state of Texas, drivers drove an average of 17,099,030 miles, which is a LOT of driving. 

Most of that driving is probably spent commuting to and from work. If you drive a lot, commute rates might be important to you. Here are the companies with the best commute rates in Dallas.

Company10 miles commute. 6000 annual mileage.25 miles commute. 12000 annual mileage.Average
American Family$6,354.16$6,354.16$6,354.16
State Farm$3,514.45$3,514.45$3,514.45
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On average, Allstate charges you more for your commutes. while USAA charges less for your commutes.

Best Car Insurance for Coverage Level Rates

Perhaps coverage levels, or the amount of coverage, is the most important thing to you, and that you get the best amount of coverage for your money.

Your coverage level will play a major role in your Dallas, TX car insurance costs. Find the cheapest Dallas, Texas car insurance costs by coverage level below:

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USAA charges the least amount, on average, no matter the coverage plan.

Best Car Insurance for Credit History Rates

Credit history, and how good it is, can be the difference between high rates and low rates on car insurance.

Your credit score will play a major role in your Dallas, TX car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Dallas, Texas car insurance costs by credit score below.

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American Family$4,081.83$3,560.80$6,504.30$4,715.64
State Farm$2,578.48$2,054.78$4,142.05$2,925.10
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USAA tends to be more forgiving on their rates when it comes to poor credit. Allstate, not so much.

USAA is also the cheapest no matter your credit.

Best Car Insurance for Driving Record Rates

It goes without saying that if you are a good driver, you will end up paying less for car insurance.

Your driving record will affect your Dallas, TX car insurance costs. For example, a Dallas, Texas DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Dallas, Texas car insurance costs by driving record.

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CompanyClean recordWith 1 accidentWith 1 DUIWith 1 speeding violationAverage
American Family$5,781.97$7,390.43$6,462.26$5,781.97$6,544.89
State Farm$3,113.32$3,583.08$4,248.08$3,113.32$3,648.16
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Good drivers with no auto accidents on their records, pay less for auto insurance with USAA, and USAA is also the most forgiving when it comes to accidents, DUIs, and speeding violations.

Car Insurance Factors in Dallas

Dallas, as previously mentioned, is a city of almost 1.5 million.

The 1.5 million people that make up the city contribute to its prosperity, economy, homeownership, and income.

These factors also contribute to the price of car insurance.

Controlling these risk factors will ensure you have the cheapest Dallas, Texas car insurance. Factors affecting car insurance rates in Dallas, TX may include your commute, coverage level, tickets, DUIs, and credit.

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Let’s delve further.

Metro Report – Growth and Prosperity

Economic growth and prosperity tend to be directly related to the influx of citizens coming into the city. The better-off a city is doing, the more people will move to that city, and the more people move to that city, the more money is made and put back into the city’s economy. This is called economic prosperity.

Economic prosperity is when an economy allows its citizens freedom, fair competitiveness, a good education, and gives a steady growth rate.

Many companies make the Dallas area their home, among them:

  • AT&T
  • Energy Transfer Equity
  • Southwest Airlines
  • Tenet Healthcare
  • Texas Instruments
  • Brinker International
  • Chief Oil and Gas
  • Chili’s
  • Comerica
  • Continental Electronics
  • Corner Bakery Cafe
  • Dave & Buster’s
  • Greyhound Bus Lines
  • Haggar Clothing
  • Half Price Books
  • Hall of Fame Racing
  • Harwood International
  • HBK Investments
  • Hoak Media Corporation
  • id Software
  • InfoCom Corporation
  • Interstate Batteries
  • La Madeleine
  • Match.com
  • The Odee Company
  • TPG Sixth Street Partners
  • PlainsCapital Corporation
  • Red Mango
  • Reddy Ice
  • Rolex
  • Sammons Enterprises, Inc.
  • Think Finance
  • Titanium Metals
  • Topgolf
  • Trinity Industries
  • Tuesday Morning
  • United Surgical Partners International

Does it surprise you that most of the companies based in Dallas are food-based?

It should not. Dallas is known for its restaurants.

When it comes to prosperity in Dallas, here are the numbers, according to the Metro Report:

  • Productivity: +3.5 percent (14th of 100)
  • Standard of Living: +9.4 percent (14th of 100)
  • Average Annual Wage: +5.0 percent (28th of 100)

Growth in Dallas is reflected by the following numbers. These numbers make Dallas the 11th in the nation in terms of growth:

  • Jobs: +16.3 percent (10th of 100)
  • Gross Metropolitan Product (GMP): +20.3 percent (8th of 100)
  • Jobs at Young Firms: +9.8 percent (27th of 100)

When it comes to factors like unemployment, Dallas holds an unemployment rate of 3.6 percent. The national average is 3.9 percent. The job sector in Dallas focuses mainly on health care, retail, and construction.

Median Household Income

The median household income in Dallas is a reflection of the city’s current economy.

As it stands currently, the median household income in Dallas is $65,066.

The current median annual income in the nation is $60,336, which means Dallas is a bit above the national average. Percentage-wise, this is a 2.51 percent change from the previous year. In 2016, the average median income in Dallas was $61,388.

This means income has increased by 5.98 percent. Dallas has shown positive upward trends in terms of median household income.

According to a 2017 study, you need $57,984 a year to live “comfortably” in Dallas. The median income in Dallas is well beyond that.

“Living comfortably” is having enough money to take care of your needs AND your wants.

If you want to compare your insurance as a percentage of your income, use the calculator below to get started.


Homeownership in Dallas

Many factors affect whether people own or rent their homes, such as household income, jobs, and wages. These factors also affect the amount and type of insurance owners must buy.

The median property value in Dallas is $190,600. This is 0.876 times smaller than the national average, which is $217,600. However, from 2016 to 2017, the property value increased in Dallas from $157,100 to $190,6200, which is a whopping 21.3 percent increase.

When it comes to who owns their home as to who rents, in 2017, 39.4 percent of homes in Dallas were occupied by the homeowner.

This is down from 40.8 percent in 2016, and the 2017 average is definitely lower than the national average of 63.9 percent. This means more people give money to a landlord for rent rather than own their own home.

In data presented by the Federal Reserve Bank, the homeownership rate has dropped dramatically since 2010. They find the homeownership rate by dividing the number of households that are owners by the total number of occupied households. In 2010, the rate was 58.1, and in 2017, the rate was 54.0. This is a drop of 4.1.

Other factors can affect the low rate of homeownership in Dallas, among them poverty and gender. According to Lending Tree:

Of the 1,534,850 owner-occupied homes in Dallas, 284,788 (or 18.55 percent) are owned by single women. Only 158,309 (or 10.31 percent) are owned by single men.

Education in Dallas

When it comes to colleges, it is safe to call Dallas a college town. There are 105 colleges and universities either in Dallas or within 25 miles of Dallas.

Here are the top colleges that make their home in Dallas:

  • Richland College:  2,642 degrees rewarded in 2016.
  • El Centro College:  1,498 degrees rewarded in 2016.
  • Dallas Baptist University: 1,408 degrees rewarded in 2016.

It is worth noting that two of the top three colleges are community colleges.

Mountain View College is another top community college in Dallas.

Wage by Race & Ethnicity in Common Jobs

Dallas is fifth in terms of best performing economic cities, according to a report by the Milken Institute, with a Gross Domestic Product of $535.5 billion in 2017.

Yep, you read that right. Billion. 

More facts about Dallas’s economy:

  • It is the headquarters of nine Fortune 500 companies:  AT&T, Energy Transfer Equity, Tenet Healthcare, Southwest Airlines, Texas Instruments, Jacobs Engineering, HollyFrontier, Dean Foods, and Builder’s First Source.
  • Susan G. Komen for the Cure was founded and is headquartered in Dallas.
  • Dallas has more shopping centers than any other city in the nation and houses the second-ever shopping center, Highland Park Village.

Who works in the Dallas economy?

Here is the breakdown of wage-earners by race and ethnicity:

Asians were the top earners, with $66,972 earned in 2017. White is second, with $53,020, and two or more races is third, with $45,863.

Wage by Gender in Common Jobs

Wages by gender, in Texas and in Dallas, depends on what study you read.

Males may pay more than females when it comes to car insurance, but when it comes to jobs, a study in 2017 from the U.S. Bureau of Labor Statistics showed “some women [in Texas] get paid as low as 58.9 percent compared to what their male counterparts are making, depending on [the] occupation.”

The study admitted that “male-dominated industries may disproportionately impact men’s wage total.”

“When you look at the statewide data, occasionally you have very different industry distributions of employment. Like in Texas you have – even though it’s only 2 percent of total employment in the mining sector compared to the national, which is about half a percent – four times the number (of miners) here in Texas. And mining is a very high-paying sector, but mining is also male-dominated. So that’s going to have a disproportionate impact on male earnings.”

Keeping this in mind, data from data.io shows that the average male makes more than the average female in Dallas, with males making $65,834 in 2017 and females making $47,183 in 2017. Males make 1.4 times more than females.

A study done by the Institute for Women’s Policy Research in partnership with the Dallas Women’s Foundation shows

“…women earn 92.6 percent as much as men. But women living in Dallas County make far less and hold fewer managerial and professional jobs than their counterparts in Collin and Denton counties.”

In 2015, another study showed that women out-earned men by 100.5 percent.

Again, it depends on what study you read.

Poverty by Age and Gender

According to the mayor of the city of Dallas in a meeting on May 2, 2018:

“Since 2000, the number of people in poverty in the City of Dallas has increased approximately 39.1 percent, while the City’s total population increased by only about 7.6 percent.”

The main drivers of poverty:  lack of affordable transportation, lack of affordable homeownership, and a high number of households with families and children living in poverty.

In Dallas, 28.8 percent of families have children living at or below poverty levels. It has the second-highest child poverty rate among large U.S. cities. Philadelphia is the highest.

Females 25-34 is the largest demographic living in poverty. Out of 1.28 million people living in Dallas in 2017,  21.8 percent of the population lived below the poverty line, which is higher than the national average of 13.4 percent. Males 6-11 and Females 6-11 are the second and third age/gender group living in poverty in 2017.

What steps are being taken to reduce the poverty rate?

  • Improving public education through the use of grants.
  • Improving DART (Dallas Public Transportation) Time to make it easier for people with no vehicles to get to work.
  • Create and maintain affordable housing for Dallas residents.
  • Support initiatives regarding equity and inclusion in all neighborhoods.
  • Reduce the number of single women living in poverty that are heads of households.
  • Focus on initiatives that reduce childhood poverty.
  • Support a public-private partnership to establish Financial Opportunity Centers in targeted neighborhoods to provide access to Volunteer Income Tax Assistance sites.
  • Provide opportunities for financial coaching, homeownership, workforce development, benefits access, GED testing, and English language learning.
  • Increased focus on teen pregnancy reduction.
  • Greater coordination with the nonprofit community for enhanced delivery of services in Dallas.
  • Development of metrics and analysis of national best practices for implementation in Dallas.

Poverty by Race and Ethnicity

Race and ethnicity also affect the poverty rate.

The most common racial/ethnic group to be in poverty in Dallas is White (34.9 percent). Hispanic and Black are second and third (33.2 percent and 22.2 percent, respectively).

Employment by Occupations

The most common jobs held in Dallas are as follows:

  • Other Management Occupations Except Farmers, Ranchers, & Other Agricultural Managers (34,514 people).
  • Building Cleaning & Pest Control Workers (24,658 people).
  • Construction Trades Workers Except Carpenters, Electricians, Painters, Plumbers, & Construction Laborers (20,006 people). 

Employment has grown in Dallas from 668,000 in 2016 to 680,000 in 2017.

Driving in Dallas

Dallas has a lot of people, a lot of places, and a lot of roads.

Want to know what to expect and how to navigate those roads?

Read on…

Roads in Dallas

You will need to know the major roads in Dallas.

Here are the major roads and highways.

Major Highways

Dallas, if you need to know about the highways, pay attention to the site Dallas-Forth Worth Freeways. They know their stuff when it comes to highways in Dallas.

The major interstates in Dallas are I-20, I-30, I-35E North, I-35E South, I-45, and I-635.

Here are the total miles for each:

  • I-20:  1,539 miles long.

  • I-30:  367 miles long.

  • I-35E North:  97 miles long

  • I-35E South:  97 miles long.

  • I-45:  285 miles long.

  • I-635:  37 miles long.

When it comes to toll roads, the website Toll Guru has invaluable information about the toll roads in Dallas. The toll roads in Dallas are as follows. Click the link to see the toll rates for each toll road.

  • Dallas North Tollway – DNT
  • President George Bush Turnpike – PGBT
  • President George Bush Turnpike – Western Extension
  • President George Bush Turnpike – Eastern Extension
  • Sam Rayburn Tollway – SRT
  • Chisholm Trail Parkway – CTP
  • Addison Airport Toll Road Tunnel
  • Mountain Creek Lake Toll Bridge
  • Lewisville Lake Toll Bridge
  • DFW Airport International Parkway

Popular Road Trips/Sites

Dallas has beautiful botanical gardens, aquariums, and museums.

Here are some of the places you can visit in Dallas:

Road Conditions

If you want to know the condition of the roads in Dallas, look below.

  • Poor Condition:  21 percent.
  • Mediocre Condition:  31 percent.
  • Fair Condition:  20 percent.
  • Good Condition:  28 percent.
  • Vehicle Operating Costs (VOC):  $609.

Most roads are in mediocre condition, but most roads are also in good condition. This is good news for Dallas.

Does Your City Use Speeding or Red Light Cameras?

Dallas had red-light cameras at 44 intersections as of March 2019, but Governor Greg Abbott has signed a bill into law banning red-light cameras statewide.

Dallas also does not use speed cameras, as they are illegal in Texas.

Vehicles in Dallas

Everything is bigger in Texas. That also includes vehicles.

Read on to find what the most popular vehicle is, the most popular vehicle stolen, and more.

Most Popular Vehicles Owned

Dallas loves cars in general. Dallas shares with Detroit the honor “of being one of the two most car-dependent major metropolitan areas in the U.S., by the percentage of trips by car.”

When it comes to the most popular vehicle owned in Dallas, Dallas loves the Dodge Challenger.

The safety features on the Dodge Challenger include automatic high-beam headlamps, blind-spot monitoring, adaptive cruise control, full-speed forward collision warning, Parkview rear back up camera, airbags throughout the car, front head restraints, rain brake support, rain-sensing windshield wipers, electronic stability control, all-speed traction control, and hill start assist.

That is quite a bit of safety features.

The Dodge Challenger is safe, but if you are looking for a fuel-efficient vehicle, the Dodge Challenger is not the most fuel-efficient, running 16 miles per gallon.

How many cars per household

Most households own two cars, and Dallas is no exception.

Households without a Car

In Dallas, 10.2 percent of all households had no vehicle in 2015. This percentage went down in 2016 (9.1 percent).

It may come down to the use of public transportation, or it may come down to the fact that households cannot afford a car.

Speed Traps In Your City

If you are thinking of speeding in Dallas, you might want to think twice.

Dallas ranks 5th in the state for the most number of speed traps, with eight total speed traps in the city. 58 percent of these speed traps are well-known by Dallas residents for being speed traps.

Vehicle Theft in Dallas

Vehicle theft is one of the worst things to experience. According to a 2016 crime report by the FBI, 7,592 Dallas residents had their vehicles stolen.

But do not worry. There are safe places to live in Dallas. This is no guarantee that your vehicle will not get stolen, but it might give you a little peace of mind.

When it comes to becoming the victim of a violent crime, 53,812 Dallas residents were victims of a crime last year. This accounts for 40.13 crimes per 1,000 residents.

You have a 1 in 129 chance of becoming the victim of violent crime in Dallas, and a 1 in 31 chance of becoming a property crime victim.

Dallas is safer than 9 percent of cities in the nation.



No one cares much for it, but it is a necessary evil to navigate from Point A to Point B.

How is the traffic in Dallas?

Traffic Congestion in Texas

Traffic congestion seems to be a problem in Texas.

It is understandable. Texas is a big state.

In 2018, INRIX (a team of traffic experts) performed the largest global traffic study in history. This study analyzed congestion in over 1,360 cities in 38 counties.

Let’s take a look at the six cities that fare the worst for traffic congestion:

CityAnnual Hours Stuck in Traffic
Corpus Christi66
El Paso66
San Antonio60
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Dallas ranks number four on the list, with 76 hours lost to traffic congestion. The cost of congestion is $1,065 per driver.


Dallas seems to spend more time in traffic than the national average. To and from work, the average Dallas resident spends 26.6 minutes of their time commuting. The national average is 25.5 minutes.

When it comes to “super-commutes” (commutes that are 90 minutes or more each way), 2.01 percent of the Dallas workforce sits in traffic for a total of three hours per workday.

As to how Dallas workers get to work, 75.9 percent drive alone, and 11.7 percent carpool.

Busiest Highways

Dallas has busy highways and freeways, but it looks like none of them made the Office of Highway Policy list.

How Safe are Dallas’s Streets and Roads?

Dallas is located in Dallas County, TX. Dallas is the city seat of Dallas County.

The data compiled all comes from Dallas County in terms of traffic fatalities in the year 2017.

Traffic Fatalities in Dallas County 
All Crashes282
Single Vehicle Crashes147
Roadway Departure101
Crashes Involving an Intersection64
Passenger Car Occupant Fatalities100
Pedestrian Fatalities73
Pedalcyclist Fatalities1
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The most traffic fatalities in Dallas County comes from single-vehicle crashes, and the least amount of fatalities comes from pedal cyclists.

When it comes to the safety of Dallas highways, in 2017 there were 282 fatalities on Dallas highways. This is down 10 percent from 2016. In 206, 315 people lost their lives on Dallas highways. And when it comes to railroads, there were 83 incidents in Dallas between the years 2012-2106.

Allstate America’s Best Drivers Report

In 2018, Allstate created a list of the top cities where drivers are least likely to get into a car accident.

The data that supports this came from a variety of factors.

When it comes to safe driving, San Antonio, Texas was listed as the 178th safest city in the United States.

The average number of years between claims in Dallas is 6.5 years, and the likelihood of a claim as compared to the national average is fairly high (it stands at 54.4 percent).


In a big city like Dallas, where not everybody owns a car, public transportation is a popular option.

Here are the popular ridesharing services in Dallas.

  • Leep
  • Blacklane
  • Carmel
  • Jayride
  • Lyft
  • SuperShuttle
  • Taxis
  • Talixo
  • Uber
  • Wingz

EStar Repair Shops

You are driving, and your car breaks down. You are stuck on the side of the road and have no idea where to take your car.

Consider taking it to an E-Star Repair Shop.

An E-Star Repair Shop is a repair facility labeled as top-quality for repairs and customer service.

For the data below we used the zip code 75202, the exact center of the city of Dallas.

This list includes the top 10:

  • Caliber – Dallas
  • Service King Oak Cliff
  • Service King North Dallas
  • Service King Mesquite
  • Service King Duncanville
  • Service King Northeast Dallas
  • Service King Northwest Dallas
  • Service King East Mesquite
  • Trophy Nissan Collision Center_CF
  • Service King Irving


People need to consider the weather as a major factor when they are driving.

When it comes to weather, Dallas residents enjoy relatively warm temperatures and often see a lot of rain.

  • Annual high temperature:  77.1 F
  • Annual low temperature:  51.5 F
  • Average temperature:  64.3 F
  • Average Sunshine:  N/A
  • Average annual precipitation:  40.91 inches

With good weather comes the bad. It is important to be prepared when it comes to natural disasters.

According to Sperling’s Best Places to live, it listed Dallas as the least safe place to live in 2018 when it came to the number of tornadoes Dallas has.

However, another website, The Street, listed Dallas as the fifth safest place to live.

So while safety in this instance comes to a matter of opinion, Texas is part of what the Midwest calls “Tornado Alley”. While Dallas only saw five tornadoes in 2018, tornadoes are still dangerous. It is important to be prepared.

One of the most important safety tips:  if you are in a tornado, and in your car, pull off the road and seek shelter in a sturdy building, if possible. If you cannot, keep driving while watching for traffic, debris, and other obstacles.

Public Transit

Public transport is popular in Dallas.

It is important to know your options.

The most popular in Dallas is DART. They offer bus service, the rail, the railway express, FLEX service, the streetcar, the M-Line Trolley, paratransit services, bikes, and vanpooling.

Alternate Transportation (Cost)

Renting a bike or a scooter is an easy way to get around in Dallas.

Here are some of the services available in Dallas:

  • Ofo
  • LimeBike
  • VBikes
  • MoBike

Parking in Metro Areas

There are many options for parking in Dallas, especially parking garages.

There are also the options of taking public transportation or ridesharing.

Parking.com is a valuable tool. According to the website,

With over 16 parking locations in Dallas, Parking.com makes parking quick and easy. Whether you are in town for a special event or just looking to find the most affordable parking rates near you, we have you covered by offering a wide range of options. Need parking near your home or office? Find exclusive rates on daily and monthly parking in Dallas at every corner, and choose the best option that is right for you.

Air Quality in Dallas

Larger cities tend to have poorer air quality than smaller cities because of more businesses and more vehicles on the road. Poor air quality is costly for your health. Poor air quality causes health damage such as lung damage (similar to smoking), heart attacks, strokes, bronchitis, lung cancer, and asthma attacks.

“In [Dallas], more than 2.6 million people are at risk when it comes to poor air quality…the figure includes people with asthma, lung disease or lung cancer, heart disease and diabetes, as well as those living in poverty, children and adults older than 65.”

The air quality has improved in Dallas. According to a study done by the American Lung Association and quoted by Dallas News, “In Dallas-Fort Worth, air quality got better, albeit not by much. In this year’s report, the area dropped to 17th on the list of most-polluted cities, one spot better than in the 2018 report.”

In spite of this, the same study quotes that “the ozone makes Dallas-Fort Worth one of the most-polluted metropolitan areas in the U.S.”

JoAnna Strother, the director of advocacy at the American Lung Association, says that the improvements are not ones to celebrate:  “Dallas residents should be aware that we’re breathing unhealthy air, placing our health and lives at risk.” However, Dallas is taking steps to improve air quality.

How is Dallas helping to improve the air quality?

According to the Green Dallas Website:

Emission reductions have been achieved by implementing more stringent controls at stationary sources (stacks), by driving cleaner cars, using cleaner energy options, and by utilizing cleaner construction equipment.

The Environmental Protection Agency shows the following data from Dallas in 2018, keeping in mind there are 365 days in a year:

  • Days with good air quality:  186
  • Days with moderate air quality:  143
  • Days with unhealthy air for sensitive groups:  27
  • Days with unhealthy air:  Nine

Military/Veterans in Dallas

We appreciate the military and the part they play in keeping the United States safe. They deserve every ounce of praise.

In this section, we will talk about the military and veteran population in Dallas.

The three most common service periods for veterans in Dallas are:

  • Vietnam:  13,490
  • Gulf War (2001-present):  9.673
  • Gulf War (1990s):  5,842

Here are the bases located in or near Dallas:

  • Naval Air Station – Fort Worth
  • Sheppard Air Force Base
  • Fort  Hood
  • Dyess Air Force Base

If you are current or former military in Dallas, good news. There are insurance providers who have military discounts:

  • Allstate
  • Farmers
  • Geico
  • Liberty Mutual (you must be active duty)
  • MetLife
  • Safeco (for both active and retired)
  • USAA (you, your spouse or your parents must be active or retired military to get USAA auto insurance)

Thank you for your service.

Unique City Laws

Do not give massages to your wife. It is illegal in Dallas.

What other things are illegal in Dallas?

Hands-Free Laws

Dallas was one of the first Texas cities to implement a law banning the use of cell phones while driving in school zones.

There is also a statewide ban on texting while driving.

Food Trucks

The requirements to get a food truck in Dallas are expansive.

According to DMagazine:

The city of Dallas requires trucks to have a “fixed food products establishment” or commissary that is licensed and inspected by city inspectors. A truck owner must also obtain a mobile food permit, a fire inspection permit, and a registered foodservice manager.

Tiny Homes

Tiny homes seem to be a new thing in Dallas, and the Lake Dallas Tiny Home Village has just recently broken ground (as of February 2019).

To qualify as a tiny home, all the homes must be on wheels and must adhere to an international building code of totaling less than 400 square feet.

Dallas Car Insurance FAQs

Here are some of the car insurance questions that Dallas citizens may have about car insurance.

How difficult is it to get around by car in Dallas?

Remember the average commute in Dallas is about 26 minutes. There are a lot of drivers, which equals a lot of traffic.

Do I even need a car in Dallas?

No. If you do not want a car, there are alternate modes of transportation, such as public transport.

What is the minimum amount of car insurance I need in Dallas?

You need at the very least the Texas state requirements of 30/60/25. This translates to:

  • $30,000 of bodily injury liability per person
  • $60,000 of total bodily injury liability per accident.
  • $25,000 of property damage per accident.

What if I get stopped without insurance in Dallas?

First-time offenders will be fined between $175 and $350 dollars. A $250 surcharge will be added to your driver’s license fee for the next three years.

Additional offenses will wrack up fines between $350 and $1,000 dollars, with you still paying that $250 surcharge. You will also run the risk of having your license revoked and your vehicle impounded.

It is a LOT cheaper to keep your insurance up to date.

What if I want to travel to Mexico?

Your car insurance policy you purchased in Dallas will not work in Mexico. Check with your insurance agent to see about coverage for your car while you are in Mexico.

How does the weather affect driving in Dallas?

The climate in Dallas is humid and sub-tropical, with hot summers, wet springs and falls, and mild winters.

Thunderstorms are common in Dallas, and rain-slicked roads can make driving treacherous.

We hope that this comprehensive guide for drivers in Dallas, Texas, has helped you.

What part of this guide helped you the most?

Do you want to start comparing car insurance rates today? Wondering why is inexpensive auto insurance so hard to find? Use our FREE online tool now, all you need is your zip code to get started.


  1. https://datausa.io/profile/geo/dallas-tx
  2. https://www.statista.com/statistics/183837/gdp-of-the-dallas-fort-worth-metroplex/
  3. https://www.keranews.org/post/you-need-57984-year-live-comfortably-dallas-median-income-much-lower
  4. https://www.speedtrap.org/texas-speed-trap-cities/
  5. https://www.dallasnews.com/news/environment/2019/04/25/air-quality-improves-in-dallas-fort-worth-but-its-still-among-most-polluted-u-s-cities-report-finds/


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