Dallas is the third-largest city in Texas and the anchor of the Dallas-Fort Worth Metroplex, home to approximately 1.3 million residents in the city and over 7.8 million in the DFW area. Dallas drivers navigate some of Texas's busiest freeways — the I-35E, I-75, I-30, and the LBJ Freeway — making traffic accidents and auto insurance claims a daily reality.
In 2026, the average Dallas driver pays approximately $1,950 per year for full coverage and around $585 per year for liability-only coverage.
Average Auto Insurance Rates in Dallas by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 75201 | Downtown Dallas | $2,200 | $660 |
| 75204 | Uptown / Knox-Henderson | $2,100 | $630 |
| 75230 | North Dallas / Preston Hollow | $1,800 | $540 |
| 75211 | West Dallas / Oak Cliff | $2,300 | $690 |
| 75243 | Northeast Dallas | $2,000 | $600 |
Get Your Free Dallas Auto Insurance Quote
Sewell Insurance Agency is licensed in Texas and serves all of Dallas County and the DFW Metroplex. Our licensed brokers will find you the best auto insurance rate for your Dallas address.