After a few driving violations, one of the largest things that help determine car insurance rates is your zip code in Dallas. Areas with increased crime or more people tend to pay slightly more, whereas areas with lower crime rates and fewer weather claims receive better rates.
The information below ranks the most expensive places in Texas after a speeding ticket to purchase auto insurance in. Dallas comes in at #4 with the annual price of $1,893 for the average insured, which is approximately $158 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | McAllen | $1,956 |
| 2 | Houston | $1,909 |
| 3 | Brownsville | $1,908 |
| 4 | Dallas | $1,893 |
| 5 | Laredo | $1,889 |
| 6 | Garland | $1,832 |
| 7 | Mesquite | $1,825 |
| 8 | Grand Prairie | $1,811 |
| 9 | Amarillo | $1,804 |
| 10 | Pasadena | $1,758 |
| 11 | San Antonio | $1,739 |
| 12 | Irving | $1,736 |
| 13 | Beaumont | $1,720 |
| 14 | Lubbock | $1,682 |
| 15 | Carrollton | $1,664 |
| 16 | Arlington | $1,642 |
| 17 | Austin | $1,627 |
| 18 | McKinney | $1,625 |
| 19 | Fort Worth | $1,621 |
| 20 | Corpus Christi | $1,620 |
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Annual rates are approximated as the specific garaging location can raise or lower coverage prices noticeably.
Comparing rates for low-priced auto insurance is not most people’s favorite thing to do, and determining which insurers offer the cheapest car insurance rates after a speeding ticket takes even more diligence. Each auto insurance company has their own process to set their prices, so let’s take a look at the car insurance companies with the most affordable rates in Dallas, TX.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,095 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,244 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,396 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,461 |
| 9 | Nationwide | $1,553 |
| 10 | Safe Auto | $1,613 |
| 11 | Allstate | $1,650 |
| 12 | Progressive | $1,664 |
| 13 | Amica | $1,723 |
| 14 | Home State | $2,071 |
| 15 | GEICO | $2,093 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,421 |
| 20 | Titan | $2,594 |
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Travelers normally has some of the cheapest car insurance rates in Dallas at around $1,021 per year. This is $883 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the most economical Dallas, TX auto insurance companies.
In this example, if you are currently insured with Texas Farm Bureau and switched to Travelers, you might see an annual savings of upwards of $214. Policyholders with Germania Mutual could save as much as $223 a year, and Esurance customers might lower prices by $358 a year.
Remember that these policy prices are averaged across all types of drivers and the different vehicles they drive and and are not calculated with an exact zip code location after a speeding ticket. So the car insurance company that is best suited for you may not even be in the top 23 companies shown above. That’s why you need to quote rates from as many companies as possible using your own personal information and vehicle type.
The car, truck, or SUV to be insured is one of the main factors that determines whether or not you can buy low-cost coverage after a speeding ticket. Vehicles with lots of speed or power, a lack of safety features, or a history of substantial liability claims will cost much more to insure than more economical and safe models. The table below shows auto insurance rates for some of the cheaper vehicles to buy insurance for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 2WD | $1,234 |
| Toyota Prius | $1,336 |
| Dodge Grand Caravan SE | $1,351 |
| Ford Escape XLS 4WD | $1,381 |
| Jeep Grand Cherokee Laredo 2WD | $1,426 |
| Jeep Wrangler Sport 4WD 2-Dr | $1,434 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,454 |
| Honda Accord EX 4-Dr Sedan | $1,479 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,533 |
| Dodge Ram Crew Cab SLT 2WD | $1,561 |
| Honda Odyssey EX | $1,606 |
| GMC Sierra Denali Crew Cab 2WD | $1,631 |
| Toyota Camry Hybrid | $1,636 |
| Chevrolet Malibu Hybrid | $1,641 |
| Chevrolet Silverado LTZ Extended Cab 2WD | $1,636 |
| Toyota RAV4 Sport 4WD | $1,642 |
| Dodge Ram 2500 Crew Cab ST 4WD | $1,663 |
| Ford Explorer Eddie Bauer 4WD | $1,668 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,690 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,720 |
| Ford Edge Sport 2WD | $1,730 |
| Chevrolet Impala LT | $1,750 |
| Ford Focus SES 2-Dr Coupe | $1,840 |
| Compare Cheap Rates Go | |
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Prices do not factor in specific location which can revise prices substantially.
Looking at the rates, you can see that vehicles like the Honda CR-V, Toyota Prius, and Dodge Grand Caravan will definitely be some of the most budget-friendly vehicles to insure after a few driving violations.
Rate difference between full and liability-only coverage
Reducing the cost of car insurance should be important to most drivers, and one of the fastest ways to save on the cost of insurance after a speeding ticket is to not buy full coverage. The information below illustrates the comparison of insurance costs with full coverage compared to only the Texas minimum liability coverage. The data is based on no claims or violations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.
If all age groups are averaged, physical damage coverage costs an additional $2,131 per year more than buying just liability insurance. That raises the question if buying full coverage is a good investment. There is no set guideline that works best for making the decision to drop comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost for physical damage coverage is 10% or more of replacement cost minus your deductible, then you may want to consider only buying liability coverage.
The example below shows how choosing a deductible can affect insurance premiums when trying to find cheap insurance after a speeding ticket. The premiums are based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.
In the chart above, a 50-year-old driver could reduce rates by $314 a year by increasing from a $100 deductible to a $500 deductible, or save $472 by changing to a $1,000 deductible. Younger drivers, like the Age 20 category, could potentially save up to $1,026 annually just by choosing larger deductibles.
If you do make the decision to raise your deductibles, it is a good idea to have spare funds to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
The Dallas auto insurance agencies shown below can provide answers to your questions and help you determine which coverage meets your needs best, since some people have coverage questions and would like to have some professional guidance when trying to find lower insurance rates after a few driving violations. It can be complicated to find the best policy on your own, so a professional agent can provide peace of mind knowing your policy gives you adequate coverage if you have an accident or claim.
To locate a Dallas car insurance agency in your neighborhood, click the button below the list.
Mike Baker – State Farm Insurance Agent
3400 Carlisle St Ste 470 – Dallas, TX 75204 – (214) 780-0900
E F Insurance Agency
9304 Forest Ln #217 – Dallas, TX 75243 – (972) 931-9285
Stewart Insurance Agency
437 W 12th St – Dallas, TX 75208 – (214) 948-7600
View more Dallas, TX insurance agents
How to find cheaper auto insurance after a speeding ticket
Lowering your rates is not difficult, and here are a few money-saving solutions that can help you get low-cost coverage.
- Do not get into accidents
- Higher credit scores can equal lower rates
- Increase deductibles to save money
- Earn a discount by not filing claims
- Buying home and auto together can help save money
- Serious violations like DUI or reckless driving can increase rates dramatically
- Compare rates and switch if you can find a better deal
The final tip is notably necessary, as was pointed out in the article above. Car insurance rates adjust often, so don’t be hesitant to buy a policy from a new company if you can save money. Many drivers have brand loyalty and that’s fine, but it’s not recommended if that faithfulness ends up costing you a considerable chunk of change every month. It takes less than five minutes to compare prices and find cheaper car insurance after a speeding ticket in Dallas.