Car Insurance in Dallas, TX

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Mercury Car Insurance in Dallas

Whether you’re commuting on the bustling I-35 or navigating the occasional icy road during winter, Mercury has you covered. Our auto insurance policies are designed to handle the rapid changes in weather and traffic conditions you may face in the Metroplex, ensuring you’re protected every step of the way. Plus, you can take advantage of discounts like up to 13% off for bundling multiple cars, up to 12% off for paying in full, and 10% off for good students.

Why Choose Mercury for Dallas Car Insurance?

Local expertise: Get guidance and advice from a local agent who knows the ins and outs of the area.
Comprehensive protection: From collision coverage to uninsured/underinsured motorist coverage, our insurance options keep you protected on the road.
Competitive rates and discounts: Mercury offers some of the cheapest auto insurance rates in Dallas without sacrificing quality coverage. You can also save even more with our exclusive discounts, including multi-policy, multi-car, paying in full, and more.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Dallas?

In Dallas, drivers are legally required to have auto insurance. The state mandates a minimum level of liability insurance to ensure that all drivers can cover the cost of damages or injuries caused to others in an accident.

Minimum Coverage Requirements in Dallas

According to the Texas Department of Insurance, you must have liability insurance that meets the following minimums:

$30,000 for bodily injury per person
$60,000 for bodily injury per accident
$25,000 for property damage per accident

Liability insurance protects you financially if you’re responsible for an accident. It covers the costs associated with damage and injuries you cause to other people or their property.

Types of Auto Insurance Coverage

While meeting the minimum legal requirements is necessary, you can enhance your protection with optional insurance coverages, including:

Collision protection: This covers damage to your vehicle in the event of a collision with another vehicle or object, regardless of who’s at fault.
Comprehensive coverage: This provides coverage for various non-collision incidents, such as theft, vandalism, and weather-related damage.
Uninsured/underinsured motorist coverage: This protects you if you’re involved in an accident with a driver who either lacks sufficient insurance or has no insurance.
Personal injury protection (PIP): PIP helps cover medical expenses and other costs, such as lost wages and funeral costs, regardless of who’s at fault.

What Does Dallas Auto Insurance Not Cover?

While auto insurance provides essential protection on the roads of Dallas, it’s important to understand that there are certain situations and items that standard policies typically do not cover. Here are some key exclusions you should be aware of:

Personal belongings: If personal items like your phone, laptop, or other valuables are stolen from your car or damaged in an accident, they’re not covered under standard auto insurance policies. You might need to rely on homeowners or renters insurance for these items.
Wear and tear: Regular maintenance and natural wear and tear to your vehicle over time are not covered. This includes engine failures, tire degradation, and other mechanical failures due to aging or lack of maintenance.
Intentional damage: Any damage you intentionally cause to your vehicle is not covered by auto insurance.
Business use: Standard auto insurance policies don’t cover vehicles used for business purposes, such as delivery driving or using your personal car as a taxi. For these activities, you would need a separate business auto insurance policy.

How to Get Car Insurance in Dallas

Getting car insurance in Dallas is fast, affordable, and hassle-free with Mercury Insurance. Whether you need state-minimum liability or full coverage, our local agents understand the unique driving conditions across the Metroplex and are ready to help every step of the way.

Start your coverage today by contacting a Texas Insurance Agent, or call us at (866) 922-4594.

Portrait of woman enjoying road trip in open top classic car

Get Cheap Auto Insurance in Dallas from Mercury

Navigating the bustling streets of Dallas requires more than just a dependable vehicle. It demands reliable auto insurance that won’t break the bank. Mercury is committed to offering premium coverage at competitive rates, and you can save even more with our discounts and bundling options.

Save More with Discounts

Lower your monthly premium by taking advantage of the following discounts:

Multi-car discount: Have more than one vehicle in your household? Insure them under one policy and save up to 13%.
Paid-in-full discount: Pay your policy in full and get up to 12% off.
Automatic payment discount: Set up recurring payments from your bank account and enjoy a 5% discount with zero hassle.
Multi-policy discount: Bundle your auto insurance with a Mercury homeowners or renters policy and save up to 14%.
Good student discount: Full-time students under 23 with strong academic performance (such as a GPA of 3.0+ or Dean’s List status) can qualify for a 8% discount.
E-Signature Discount: Sign your documents electronically and save an additional 3%.

The beautiful modern skyline of Dallas, Texas shot aerially from an altitude of about 800 feet.

Bundling with Mercury

One of the best ways to save on auto insurance is to bundle it with other policies, such as home insurance or renters insurance. This not only simplifies insurance management but also maximizes savings across all policies.

Dallas home insurance: Protect your home and everything in it with our comprehensive home insurance. Our policies cover a wide range of potential damages and losses, ensuring peace of mind in the comfort of your own home.
Dallas renters insurance: Our renters insurance offers affordable coverage for your personal belongings against theft, fire, and other damages, giving you security and confidence in your rental space.

Top Rated Auto Insurance in Dallas

Mercury Insurance is proud to be recognized as a top-rated provider by customers across Dallas and beyond. Our policyholders appreciate the value and peace of mind we deliver every day, from competitive pricing to outstanding claims service.

Want to see what others are saying? Read real customer reviews and discover why so many Dallas drivers choose Mercury for their auto insurance needs.

Learn More About Car Insurance

Want to better understand how auto insurance works and how to save more on your policy? Explore these helpful guides from Mercury:

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Dallas Car Insurance FAQ

How much is car insurance in Dallas?

According to Bankrate, the average cost of car insurance in Dallas is $62 per month for minimum coverage and $217 per month for full coverage.

Who has the cheapest insurance in Dallas?

Mercury offers some of the cheapest auto insurance rates in Dallas, making it a top choice for budget-conscious drivers. With a wide range of discounts and tailored policies, Mercury ensures you only pay for the coverage you need. Contact us today to see why we’re renowned for providing great value and comprehensive protection.

What city in Texas has the highest insurance rates?

According to Bankrate, Hutchins has the highest average rate for car insurance at $2,976 per year.

How to find the cheapest car insurance in Dallas?

Visit the Texas Insurance Agents page, find an agent in your area, and compare quotes from each to find the best coverage for your needs and budget.

How can I lower my car insurance rate in Dallas?

There are several ways to lower your car insurance premium in Dallas without sacrificing coverage:

Shop around and get quotes from multiple insurance providers to find the best rate.
Take advantage of discounts offered by Mercury.
Maintain a clean driving record to qualify for lower-risk premiums.
Increase your deductible to reduce your monthly premium.
Drive a vehicle with safety features, which may qualify you for additional discounts.
Complete a defensive driving course, which may further reduce your rate.

Why is my car insurance so high in Texas?

Car insurance rates in Texas tend to be higher due to a mix of factors. These include high traffic volumes, especially in cities like Dallas and Houston, which increases the likelihood of accidents. Severe weather events—like hailstorms and flash floods—also drive up claims, which can affect premiums across the board. Rising healthcare expenses and vehicle repair prices drive up the cost of coverage.

What products does Mercury offer in Dallas?

Here are some of the products available to Dallas residents: