Car Insurance in Dallas

Dallas is the bustling commercial capital of Texas and ranked 308th most congested city in the world. It fares better in traffic congestion than many other cities worldwide. Dallas reported in 2019 that drivers lost 96 hours waiting in rush hour traffic, 4 days. That’s just enough time to walk from Dallas to San Antonio. But even walking, if you are a pedestrian injured in a car accident, the driver’s liability auto insurance will cover your personal injuries.

Quick Facts

Two criteria that will determine your insurance rate are your age and the zip code of the city or town in which you live. Insurance premium calculations are based on features of your zip code or area statistics. These may include your city or town’s population, the average income, crime rates, the average number of accidents, and possibly common automobiles owned in the area.

If you’d like to see your car insurance rates go down in costs, change your driving habits. Maintaining a good, clean driving record without accidents or tickets is the goal.

How Many Fatal Accidents Happen in Dallas?

2019 Texas statistics show that there were 1.26 fatalities per 100,000 people. Dallas accident numbers were higher than the rest of the metropolitan areas, except for Houston. There were nearly 37,000 accidents in Dallas or 12.99 deaths per 100,000 people.

Many of these deaths might have been avoided. The 2019 statistics for Dallas list 185 total traffic deaths, with just over 23% of these fatalities (43) due to drivers having blood-alcohol levels beyond the legal limits. Fatal accident numbers for Dallas due to individuals disregarding the seatbelt law were not available; however, Texas recorded 42.42% statewide.

How Are the Road Infrastructure and Bridges in Dallas?

Within the Dallas city limits, the Dallas Department of Public Works is responsible for road infrastructures. This department is responsible for resurfacing worn-down roads, clearing overgrowth, maintaining bridges and guardrails, and taking care of repairs for traffic lights and street lamps. They also send out teams to fill potholes or place signage.

In their 2021 report, The American Society of Civil Engineers (ASCE) released a report card for America’s overall infrastructure. Texas received a mediocre overall grade of C, with roads in even poorer condition, receiving a D+. Bridges received a B-. Dallas is growing, and so is the increase in traffic congestion, as well as wear and tear on the roads.

The ASCE, despite the Dallas ratings, is quick to note that the roads do not reflect a thoroughness on the part of local agencies and their maintenance of the roads and highways infrastructures. With Texas being one of the most populated states, wear and tear is expected. Ratings like these assist local agencies in focusing their efforts to where they are most needed, especially when there are limited resources.

Dallas drivers are required to follow mandated minimum limits. The liability insurance requirements are much higher in Dallas, Texas, than in other states:

Standard criteria used to determine car insurance rates in Dallas, Texas, may include:

Discounts can help Dallas drivers save money on their auto insurance. Some of the possible discounts available to drivers include the following:

Car insurance is a requirement in the state of Texas. If you are uninsured or found driving without insurance, the first offense will cost you upwards of $175-$350. Dallas drivers who are caught driving uninsured a second time will be fined $350-1,000, with a possible suspension of their driver’s license. Your vehicle may also be subject to impoundment.