Spinning your wheels trying to get the best auto insurance rates in Dallas, Texas? The last thing you want to do is randomly pick a car insurance company and hope for the best. Or worse, drive without enough coverage and pray you won’t get into a car accident.
You can drive with confidence in Dallas knowing you’re covered with Lemonade Car.
Insurance requirements and limitations in Dallas are determined by the state of Texas. But don’t sweat the details. When you apply for Lemonade Car, we’ll automatically get you hooked up with the auto insurance coverages you need, and offer extra coverages to help you customize your policy so you feel protected behind the wheel.
Read on to learn about how you can get the best rates on car insurance in Dallas.
What Does car insurance cover in Dallas?
The state of Texas requires all Dallas drivers to have minimum car insurance coverages.
Let’s run through some basics first. Remember: A “limit” on your car insurance policy refers to the maximum amount your insurance company will pay out on a certain type of claim.
For example, Texas drivers are required to have a minimum of $30,000/$60,000 of bodily injury liability coverage. That means that for a certain type of claim your car insurance company could pay out a maximum of $30,000 of bodily injury coverage per person, and $60,000 of bodily injury coverage in total (for all of the people injured in an accident.)
To comply with Texas’s car insurance coverage requirements, Dallas drivers need the following coverages and minimum coverage amounts:
| Required minimum coverages for Dallas drivers | Minimum amount required |
|---|---|
| Bodily injury liability coverage | $30,000/60,000 |
| Property damage liability coverage | $25,000 |
Keep in mind: Your levels of bodily injury and property damage liability coverage don’t have to stop at the bare minimum. You can easily select higher amounts for each required coverage and include optional add-on coverages when you build your policy on the Lemonade app.
Additional coverages available to Dallas drivers
Dallas drivers who drive with Lemonade Car can (and arguably should) add the following coverages to their auto insurance policy to boost their protection behind the wheel.
| What add-on coverages does Lemonade Car offer? | What can it help pay for? |
|---|---|
| Collision coverage | To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on). |
| Comprehensive coverage | To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on). |
| Personal Injury Protection (aka PIP) | Medical expenses for you or a passenger in your car after a crash— like ambulance fees, hospital visits, and health insurance co-pays, a percentage of your lost wages as a result of your injuries, or for funeral services (in a worst case scenario). Usually doesn’t have a deductible. |
| Uninsured/underinsured driver bodily injury coverage | Medical bills and lost wages related to injuries caused by an uninsured or underinsured driver. |
| Uninsured/underinsured driver property damage coverage | To repair or replace your own car if you get into a car accident with an uninsured or underinsured driver. |
| Temporary transportation coverage | Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised. |
Want to dive into the nitty-gritty of what Texas car insurance has to offer? Get the full scoop here.
How much does Car insurance cost in Dallas?
The average cost of car insurance in Dalls is estimated at $2,148 (or $179 per month)*
Your car insurance premium price is based on a number of factors—including the car you drive, the coverages you include, and their limits and deductibles.
But at Lemonade Car, the way you drive matters, and actually helps determine your price. So when you’re building a quote for your first term, things like your driving record, your driving history, your insurance score, and how many miles you typically drive help us determine the fairest price and average cost for your car insurance policy.
When you buy a Lemonade Car policy, you’ll have the chance, over every six-month term, to prove your safe driving habits and potentially lower your price. Those habits can boost your Lemonade Safety Score and possibly lower your cost of car insurance (especially if you maintain a clean driving record).
Here’s a shout-out to our low-mileage drivers—the less you drive, the more you save. Along with lots of other factors, we consider how much you drive (or how little in your case) to come up with your price, making Lemonade especially ideal for the low-mileage driver.
The right car insurance combines the coverage you need with car insurance rates and deductibles you can afford. That’s why Lemonade Car offers insurance you can easily customize. You deserve a policy that feels just right—and fits your budget. Learn more about the cost of insurance at Lemonade Car and how you can lower the cost of your rates.
The most straightforward way to get a sense of how we price Lemonade car insurance is by applying for coverage via our mobile app or website.
Click below to get your car insurance quote in Dallas.
Best day trips around Dallas
Looking to get away for the day? Buckle up: These quick road trips can satisfy your wanderlust without taking you too far from Dallas.
The Dallas Arboretum and Botanical Gardens
The Dallas Arboretum and Botanical Gardens is located on the shores of White Rock Lake, just fifteen minute drive from downtown Dallas. The world-renowned gardens, lauded by such figures as Martha Stewart, feature 66 acres of epic nature. In addition, the Arboretum hosts trial gardens where ground breaking horticultural research is taking root. It also has one of the top children’s educational programs in the world as well as a complete life science laboratory.
The Perot Museum of Science and Nature
Located in downtown Dallas, The Perot Museum of Science and Nature features over ten permanent exhibits about science and nature—including exhibits on human life, space, and energy. In addition, it hosts a traveling exhibition and educational events such as summer camps and school visits. If you’re science-minded and 21+ you can also check out the museum’s Thursdays on Tap, which features food trucks, live music, and a chance to visit the museum after hours.
The National Cowgirl Museum and Hall of Fame
The National Cowgirl Museum and Hall of Fame celebrates the women who helped shape the Wild West. Located in Fort Worth, just about a half hour drive from downtown Dallas, it features exhibits, two theaters, a research library and archives, and more. The Hall of Fame honors 248 women such as Laura Ingalls Wilder, Sacajawea, Georgia O’Keefe and others.
Texas Discovery Gardens
Located in the heart of Dallas, the Texas Discovery Gardens is a breath of fresh air in the tumult of the city. The 7.5-acre garden features native and adapted plants, and the two-story butterfly house is home to hundreds of tropical butterflies. The garden has an extensive student education program and hosts family days, festivals, and workshops in the hope that visitors will take what they have learned to plant their own little garden oasis at home.
First Monday Flea Market
The First Monday Flea Market in Canton, Texas traces back to the 1850s when a circuit judge would visit the courthouse square in Canton on the first Monday of every month. People came to bring their cases to the judge, and while they were there they would trade and buy goods. Though the days of traveling circuit judges are well behind us—and the flea market no longer occurs on Monday—the first Thursday through Sunday of every month is dedicated to a huge market full of makers, pickers, creators, and thrifters. Just an hour from Dallas, the flea market makes for a great weekend activity.
Other ways of getting around Dallas
While cars can be a major convenience, sometimes it’s just quicker and cheaper (not to mention better for the planet) to find an alternative.
The DART (Dallas Area Rapid Transit) operates a system of public transportation options throughout the Dallas-Fort Worth area. It includes a bus system that connects to a 93-mile light rail system that then connects downtown Dallas to the surrounding suburbs. In addition, the McKinney Avenue Trolley, with its fleet of restored vintage trolleys, runs through Dallas’ historic downtown area. Like many US cities, Dallas residents who choose not to drive can get around using bikeshares and electric scooters, as well as rideshares.
Dallas is a sprawling city and isn’t necessarily considered one of the most walkable in the US. But there are certain neighborhoods—such as Downtown and Oak Lawn—that are easy to get around on foot, according to Walk Score.
At Lemonade Car, we reward low-mileage drivers with lower premiums. Houston drivers who are behind the wheel fewer than 9,000 miles a year (around 22 miles daily) could be eligible for low-mileage car insurance discounts.
Because of that, we encourage you—whenever possible—to go out and about without your car.
How accessible are hybrid and electric vehicles in Dallas?
As accessibility, efficiency, and upfront costs of hybrid and electric vehicles (EV) improve, the trends of drivers heading towards the future do, too. The market is expected to continue growing exponentially as new makes and models, legislation, and incentives become available.
According to Dallas’s Climate Action Plan, the city will use the money it received from the Volkswagen State Environmental Mitigation Trust to install EV charging stations. Currently, the city is working on publicizing the grant opportunity.
In addition, this past September, the Federal Highway Administration approved Texas’s plan to use $408 million of the Bipartisan Infrastructure Law to install EV charging stations every 50-70 miles. This is good news, because Dallas-Fort Worth ranks first in the state in the number of EVs registered, ahead of Houston and Austin.
You can check out where your nearest EV charging stations are here.
At Lemonade Car, we support Dallas drivers who make environment-friendly choices. We offer awesome protection and perks for hybrids and EVs—like coverage for your home charging station or a portable charger. Side note: Lemonade Renters and Homeowners policies can also be customized to include extra coverage for certain types of e-bikes, if that’s how you like to cruise.
Fast transportation facts about Dallas
Dallas isn’t just the ninth largest city in the United States—it’s also a haven for those who love all things that move fast. Here are a few Dallas-oriented transportation-centric tidbits:
Frontiers of Flight Museum
Located at Dallas’s Love Field Airport, the Frontiers of Flight Museum celebrates the history of aviation and space flight. It features more than 40 air and space vehicles and over 35,000 historical artifacts. It also contains a research library and hosts STEM camps throughout the year.
The Vintage Car Museum in Weatherford
The Vintage Car Museum is the passion project of Tom and Therese Moncreif. The museum, which is located in Weatherford, just about an hour from Dallas, features Tom’s own collection of vintage cars as well as guest cars.
Haas Moto Museum
Located just outside of downtown Dallas, the Haas Moto Museum is for people who really like motorcycles. It features over 230 vehicles from over 130 years, as well as a collection of 60 custom motorcycles. While there you can also pop by their shop to buy hand-painted leather jackets and motorcycle sculptures.
Before we drive off into the sunset…
Dallas drivers, we can’t wait for you to take Lemonade Car for a spin. Here’s hoping you never get stuck in rush hour traffic on the US 75!
Lemonade offers top-of-the-line coverage and trunk loads of discounts—plus opportunities to make the road (and the world around us) a better place. Applying for your free quote is easy, and coverage starts at just $30/month.
Our great coverage and super fast claims resolution don’t stop at Lemonade Car, though. Did you know that we also offer Homeowners, Renters, Pet, and Life Insurance? Not only will you become eligible for our bundling discounts, you can also manage each of your Lemonade policies through the same app you use for Lemonade Car..
Let’s drive.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.
*https://www.valuepenguin.com/average-cost-of-insurance, Accessed April 2024.
