Who Has the Cheapest Dallas Car Insurance Rates for Drivers with Bad Credit?

The make and model of vehicle you are seeking coverage for is one of the largest considerations that determines the availability of affordable car insurance for drivers with bad credit. Vehicles with lots of speed or power, poor safety ratings, or a history of substantial liability claims will cost much more to insure than safer models. The data below estimates insurance costs for a selection of the cheaper automobiles to insure.

Cheapest Vehicles to Insure in Dallas, TX
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $1,183
Honda Accord EX 4-Dr Sedan $1,190
Volkswagen Jetta S 2.5 Station Wagon $1,284
Ford F-150 XLT Regular Cab 2WD $1,302
Chevrolet Equinox LS AWD $1,403
Ford Focus SEL 4-Dr Sedan $1,447
Honda Civic LX-S 4-Dr Sedan $1,456
Ford Escape Limited 4WD $1,469
Toyota Prius $1,499
Nissan Rogue S 2WD $1,506
Ford Explorer XLT 4WD $1,521
Toyota Tacoma 2WD $1,573
Chevrolet Silverado LS Crew Cab 2WD $1,605
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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 claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Premium costs do not factor in specific garaging location which can lower or raise rates noticeably.

Based upon these rates, we can presume that models like the Honda CR-V, Honda Accord, and Volkswagen Jetta are likely to be some of the most budget-friendly vehicles to insure for people with poor credit. Auto insurance rates will trend higher just because there is more inherent risk for drivers with bad credit, but generally speaking those vehicles will most likely have the best insurance prices that you’ll find.

One of the more important things that determine car insurance rates is your address in Dallas. Areas with more people or more claims are more likely to pay higher prices, whereas less populated areas have the luxury of lower rates.

The following table lists the highest-priced places in Texas for drivers with bad credit to buy auto insurance in. Dallas comes in at #2 having an annual price of $1,911 for the average insured, which is about $159 each month.

How much is car insurance in Dallas?
Rank City Premium Per Year
1 McAllen $1,936
2 Dallas $1,911
3 Laredo $1,907
4 Houston $1,891
5 Brownsville $1,851
6 Garland $1,832
7 Mesquite $1,825
8 Amarillo $1,804
9 Irving $1,789
10 Beaumont $1,754
11 Pasadena $1,740
12 Grand Prairie $1,740
13 Lubbock $1,733
14 Arlington $1,692
15 San Antonio $1,671
16 Fort Worth $1,670
17 Carrollton $1,647
18 Plano $1,624
19 El Paso $1,616
20 Austin $1,610
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Information shown are approximated as the specific zip code location can impact auto insurance rates substantially.

Selecting the right car insurance company is hard considering how many companies sell coverage in Dallas. The ranking data displayed below can help you pick which auto insurance companies you want to consider when shopping car insurance rates for drivers with bad credit.

The rankings below are only comprised of large insurance companies, so companies with more of a regional focus are not factored into these rankings. If you wish to compare rates from these and other top-rated companies, simply click here.

Top 10 Large Auto Insurers in Dallas Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Mercury Insurance – 89%
  5. Nationwide – 89%
  6. Travelers – 88%
  7. Progressive – 88%
  8. Safeco Insurance – 88%
  9. State Farm – 88%
  10. Allstate – 88%

Top 10 Large Auto Insurers in Dallas Ranked by A.M. Best Rating

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. The Hartford – A+
  9. Allstate – A+
  10. Nationwide – A+

The information below demonstrates how choosing different deductibles can increase or decrease insurance rates when getting quotes for cheap insurance for drivers with bad credit. Data assumes a single female driver, comprehensive and collision coverage, and no discounts are applied to the premium.

The data above shows that a 30-year-old driver could lower their policy premium by $468 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $704 by changing to a $1,000 deductible. Young drivers, like the Age 20 category, could lower their rates $1,048 or more by choosing larger deductibles on their policy.

If you do make the decision to raise your deductibles, it will now be necessary to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Reckless driving habits raise Dallas car insurance rates

The obvious way to obtain the most affordable car insurance premiums in Texas for people with poor credit is to drive attentively and avoid accidents and traffic citations. The information below illustrates how speeding tickets and accidents can raise auto insurance costs for different age groups. The premiums are based on a married female driver, full coverage, $500 deductibles, and no discounts are taken into consideration.

In the example above, the average cost of an auto insurance policy in Dallas per year with no violations or accidents is $1,833. Get one speeding ticket and the average cost increases to $2,140, an increase of $307 each year. Now add two accidents along with the one speeding ticket and the annual cost of car insurance for drivers with bad credit jumps again to an average of $4,910. That’s an increase of $3,077, or $256 per month, just for being a little careless behind the wheel!