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Dallas car insurance

Root car insurance is making auto insurance fair by basing your rate primarily on how safe you are behind the wheel and not your demographics.

Dallas is known for The Cowboys, The World Aquarium, and its Arboretum and Botanical Garden. With the rapidly growing population bumping up auto insurance rates in Dallas, it’s especially important for locals to work with an auto insurance company that rewards good driving.

Most traditional insurers base their insurance rates on demographics including your age, gender, marital status, and ZIP code. Since demographics don’t indicate your actual risk as a driver, doesn’t it make sense to look for an auto insurance company in Dallas that offers lower rates for responsible drivers?

Get your car insurance in Dallas

Need auto insurance in Dallas? The good news is that you can start your quote in just minutes. Then, complete the test drive (just by driving around like you normally would) to get a quote. The Root app will measure your driving and if you drive safely, you could get a lower rate. 

Root’s simple, intuitive mobile app makes it easy to get a quote. And with a Root policy, you can manage coverage, claims, and access important documents all from your phone.


Dallas auto insurance coverage

If you own a car and drive in Texas, you're required to purchase auto insurance and meet certain minimum coverage amounts. Texas requires that all drivers purchase auto insurance with Liability coverage from a company authorized to do business in the state of Texas. Minimum coverage requirements include:

  • $30,000 for Bodily Injury (per person)

  • $60,000 for Bodily Injury (per accident – multiple people injured)

  • $25,000 for Property Damage 

You may want to consider purchasing more than the absolute minimum amount of coverage—while it may raise your monthly premium, higher coverage levels mean that you’re better protected in the event of an accident.

While Texas doesn’t have any requirements concerning Comprehensive, Collision, or other coverages, consider how much you could afford to pay for repairs if your car was damaged. Purchasing additional insurance coverage can save you a significant amount of money if you get into an accident or if something happens to your car. For example, Collision insurance can help you pay for repair costs after a fender bender, and Comprehensive insurance can help you save money if an expensive part is stolen from your car. Types of additional insurance coverage you should consider include:

If you’re stopped for a traffic violation or after an accident, Texas requires that you provide proof of insurance. The good news is that Texas accepts evidence of insurance presented on a cell phone, so you can pull up your insurance cards quickly and easily in Root’s mobile app.


Dallas car insurance cost and quote

The average Texan pays $1,710 per year for car insurance. But like major cities across the country, Dallas insurance costs are often much higher than the rest of the state. 

While auto insurance rates are often high in Dallas, that doesn’t have to be the case. Instead of basing rates on things like where you live, how old you are, or your credit score, Root primarily bases auto insurance rates on how safely customers drive. This means that you can potentially unlock much lower rates with Root than with other auto insurance companies just by being a safe and responsible driver.

Just download the Root app, hop in the car, and complete the test drive in order to get a quote and see how much you could save. Root’s sophisticated app will keep track of your driving behavior and assign a score based on how you drive. If you like your quote, you can customize your coverage and finalize your policy details all from your phone. It’s also easy and convenient to submit claims and manage your policy details using the Root app.

By basing your rate primarily on your safe driving habits, Root could save you up to $900 a year on car insurance. Get a quote

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Root Inc.

80 E. Rich Street

Suite 500

Columbus, OH 43215

Copyright ROOT 2024. ROOT is a registered servicemark of Root Insurance Company, Columbus, OH. Disclaimer for quotes: We reserve the right to refuse to quote any individual a premium rate for the insurance advertised herein. Disclaimer for coverage: Coverage is available in the event of a covered loss. Exclusions may apply. Not available in all states. Disclaimer for savings: Based on savings reported by actual customers who purchased a new Root policy between October 2019 - July 2020; changes in coverage levels not evaluated. For California residents: Telematics is not used and resulting represented savings are not applicable. Referral program not applicable. Roadside Assistance purchased as separate coverage. Visit for more information. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.