The words “affordable” and “insurance” probably shouldn’t be used together, especially when you are trying to find the cheapest car insurance for uninsured drivers. In an attempt to save some money, let’s get started by showing you some of the factors that influence auto insurance premiums, and figure out some ways to take the sting out of the next policy you buy.
One of the more important components that aid in calculating the amount you pay for auto insurance is where you live in Dallas. Cities with larger populations are more likely to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims can boast about having cheaper rates.
The table below sorts the most costly cities in Texas for uninsured drivers in which to buy car insurance. Dallas comes in at #4 with an annual cost of $1,855 for coverage, which is around $155 monthly.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Brownsville | $1,927 |
| 3 | Houston | $1,891 |
| 4 | Dallas | $1,855 |
| 5 | Laredo | $1,833 |
| 6 | Mesquite | $1,807 |
| 7 | Amarillo | $1,804 |
| 8 | Garland | $1,778 |
| 9 | Pasadena | $1,758 |
| 10 | Grand Prairie | $1,740 |
| 11 | San Antonio | $1,739 |
| 12 | Beaumont | $1,720 |
| 13 | Irving | $1,719 |
| 14 | Lubbock | $1,682 |
| 15 | Arlington | $1,658 |
| 16 | Fort Worth | $1,653 |
| 17 | Carrollton | $1,647 |
| 18 | McKinney | $1,625 |
| 19 | Austin | $1,610 |
| 20 | Corpus Christi | $1,588 |
| 21 | El Paso | $1,584 |
| 22 | Plano | $1,576 |
| 23 | Waco | $1,569 |
| 24 | Abilene | $1,545 |
| 25 | Killeen | $1,518 |
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Rates are comparative as the garaging address in Dallas can lower or raise price quotes significantly.
The vehicle that is being insured is a large factor that determines whether or not you find the lowest-priced insurance for uninsured drivers. Vehicles with limited top-end speed, modern passenger safety features, or low incidents of liability claims will cost quite a bit less to insure than high performance models.
The next table shows insurance costs for the most cost-effective automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,305 |
| Honda CR-V EX 2WD | $1,500 |
| Toyota Tacoma 2WD | $1,515 |
| Ford Edge Limited 2WD | $1,520 |
| Toyota RAV4 Sport 2WD | $1,544 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,648 |
| Chevrolet Malibu LTZ | $1,653 |
| Honda Odyssey Touring | $1,661 |
| Chevrolet Silverado LT Regular Cab | $1,658 |
| Ford F-350 XL Crew Cab 2WD | $1,684 |
| Ford Focus SE 2-Dr Coupe | $1,738 |
| Nissan Rogue SL AWD | $1,745 |
| Chevrolet Equinox LS AWD | $1,772 |
| Dodge Grand Caravan Hero | $1,778 |
| Toyota Prius | $1,780 |
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, claim-free, and multi-vehicle. Rate information does not factor in specific garaging location which can modify insurance rates noticeably.
Looking at the rates, we can expect vehicles like the Ford Escape, Honda CR-V, Toyota Tacoma, and Ford Edge will be the most economical vehicles to insure for drivers with no prior coverage.
Deciphering which company has the most affordable car insurance rates for uninsured drivers calls for a bit more effort than just comparing rates from one or two companies. Every insurance provider uses a slightly different approach for establishing rates, so let’s examine the most budget-friendly car insurance companies in Dallas, TX.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,365 |
| 6 | California Casualty | $1,438 |
| 7 | Mercury | $1,476 |
| 8 | State Farm | $1,510 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,553 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,718 |
| 13 | Amica | $1,775 |
| 14 | Home State | $2,092 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,227 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,333 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,672 |
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Travelers generally has some of the most affordable car insurance rates in Dallas at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the more affordable Dallas, TX insurance companies.
In the above rates, if you currently buy coverage from USAA and switched to Travelers, you could see an annual premium reduction of in the vicinity of $96. Insureds with Texas Farm Bureau could save as much as $214 a year, and Germania Mutual insureds might see rate reductions of $223 a year.
To see if your current coverage is too expensive, click here to start your custom quote or visit several of the following companies.
Understand that those prices are averages across all ages of drivers and types of vehicles and are not factoring in an exact vehicle garaging location for uninsured drivers. So the car insurance company that can offer you the best rate may not even be in the top 23 companies in the list above. That affirms the importance of why you need to quote rates from as many companies as possible using your own personalized driver profile and vehicle information.
The example below illustrates how your choice of deductibles can raise or lower insurance prices when trying to find cheap insurance for uninsured drivers. The costs are based on a single female driver, comp and collision included, and no other discounts are factored in.
In the chart above, a 50-year-old driver could save $302 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $456 by choosing a $1,000 deductible. Even younger drivers, like the 20-year-old category, could drop their prices $766 each year by using higher deductibles when buying full coverage.
When using a larger deductible, it is necessary to have plenty of discretionary funds to enable you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Poor driving habits will raise your car insurance rates
A great way to get low car insurance rates in Texas for drivers with no prior coverage is to be a cautious driver and maintain a clean driving record. The example below shows how speeding tickets and accidents can raise auto insurance rates for different age groups. The prices are based on a married female driver, full physical damage coverage, $100 deductibles, and no discounts are applied.
In the previous example, the average cost of an auto insurance policy in Dallas per year with no accidents or violations is $1,682. Get one speeding ticket and the average cost surges to $1,957, an increase of $275 each year. Now include one accident along with the one speeding ticket and the yearly cost of car insurance for uninsured drivers jumps again to an average of $2,732. That’s an increase of $1,049, or $87 per month, just for not driving carefully!
Discount Dallas insurance rates
Car insurance companies that offer quotes for uninsured drivers may also give you policy discounts that can reduce rates by 40% or more if you are eligible. A list of car insurance companies and a selection of discounts can be found below.
- State Farm policyholders can earn discounts including defensive driving training, multiple policy, student away at school, passive restraint, accident-free, and Steer Clear safe driver discount.
- Liberty Mutual may include discounts for multi-policy, teen driver discount, newly married, multi-car, and good student.
- American Family has savings for early bird, air bags, TimeAway discount, multi-vehicle, accident-free, Steer into Savings, and mySafetyValet.
- Progressive may have discounts that include continuous coverage, online signing, multi-vehicle, homeowner, good student, online quote discount, and multi-policy.
- Farmers Insurance offers discounts including business and professional, electronic funds transfer, homeowner, pay in full, and youthful driver.
- Auto-Owners Insurance may offer discounts for anti-lock brakes, paperless, group or association, safe driver, student away at school, and multiple vehicles.
- SAFECO has discounts for anti-lock brakes, bundle discounts, drive less, teen safety rewards, safe driver, accident prevention training, and multi-car.
The illustration below shows the difference between yearly insurance costs with and without discounts applied to the rates. The data assumes a female driver, no violations or claims, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with multiple vehicle, passive restraint, anti-theft, vehicle safety, safe-driver, and homeowner discounts applied. When drivers qualify for the discounts, the average yearly reduction on car insurance for uninsured drivers is 28% or $571.
How to find more affordable car insurance for uninsured drivers
It is possible to find better rates, and here are some of the recommended thrifty solutions that can help drivers locate low-cost auto insurance.
- Increase deductibles to save money
- Drive safe vehicles
- Ensure your driving record is clean
- Save money by only buying liability coverage for older vehicles
- Accident-free drivers may qualify for discounts
- Drivers with good credit often pay less
- Compare prices as often as possible
That final tip is certainly crucial, as was affirmed in the prior article. Coverage prices fluctuate constantly, so don’t be tentative to switch carriers if a better deal can be had. Brand loyalty is not necessarily bad, but is isn’t recommended if that dedication is costing lots of money. In just a couple of minutes you could shop around to find cheaper car insurance for uninsured drivers in Dallas.
If you would rather have a professional recommendation when trying to find the best insurance rates for uninsured drivers, the insurance agencies below can most likely answer your questions and help you decide which car insurance policy is best.
To find an agent using an interactive map, click the button below the list.
- Phil Maxey – State Farm Insurance Agent
17304 Preston Rd Ste 125 – Dallas, TX 75252 – (972) 233-2222 - State Farm: Dwight Hill
10300 N Central Expy #296 – Dallas, TX 75231 – (469) 232-2396 - Laurence Cole Insurance Agency
6500 Greenville Ave #680 – Dallas, TX 75206 – (214) 823-2653 - E F Insurance Agency
9304 Forest Ln #217 – Dallas, TX 75243 – (972) 931-9285