Dallas Car Insurance (TX)

Dallas is home to 1,213,825 people and is one of Texas’ two major economic centers. It is the second-largest city in the state of Texas and the ninth-largest in the United States. If you are looking to relocate or already live in Dallas, you will find car insurance premiums averaging around $1,950.

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The state of Texas uses the Tort System which requires that a person must be found at fault in the event of an accident. Once the person at fault is determined, they are then required to be responsible for all damages that are a direct result of the accident. Texas State law requires an auto insurance policy to have 20/40/15 coverage. This means there needs to be a minimum amount of $20,000 for every person and up to $40,000 for every accident as Bodily Injury Liability coverage. The policy must also have a minimum amount of $15,000 worth of coverage for Property Damage Liability.

Determining Factors in Dallas Car Insurance

Insurance rates in Dallas will depend on a lot of things. One is the city’s statistics for the amount of car thefts, which was relatively high in 2004 with 23,537 vehicles being reported as stolen. The most common vehicles in the Dallas area for theft include:1994 Chevrolet Full Size C/K 3500 Pickup,  2004 Chevrolet Trailblazer,  1995 Ford Thunderbird, 1999 Isuzu Rodeo, 2002 Toyota Tacoma, 1989 Chevrolet Astro Van, 1993 Ford Econoline E150,  2000 Pontiac Firebird,  2002 Cadillac Escalade, and the 2004 Jeep Liberty.

It is well worth your time to shop around, research your options, and compare prices from different insurance companies. Working with a qualified agent in the Dallas area will increase your chances of getting a better rate, especially if you can find someone who offers all kinds of insurance you may need and who combines it with an attractive discount.

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