Locating low-priced auto insurance is not the easiest thing to do, and finding out which companies offer the cheapest insurance rates for felons calls for even more diligence. Every insurance provider has their own process for setting prices, so we’ll go over the most affordable insurance companies in Dallas, TX.
It’s important that readers know that Dallas, TX insurance rates are influenced by many factors that can increase the price you have to pay for coverage. This price variability is why consumers need to compare as many rates as possible when trying to get cheap insurance rates for felons. Car insurance prices can be determined by many things and can increase or decrease at any time, so the most affordable company the last time you checked may now be costing you a lot of money.
Best Cheap Insurance Rates for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,021 |
| 2 | USAA | $1,084 |
| 3 | Texas Farm Bureau | $1,211 |
| 4 | Germania Mutual | $1,294 |
| 5 | California Casualty | $1,396 |
| 6 | Esurance | $1,421 |
| 7 | State Farm | $1,465 |
| 8 | Mercury | $1,521 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,664 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,757 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,232 |
| 18 | Unitrin | $2,264 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,594 |
| Find Your Rate Go | ||
Travelers has some of the cheapest car insurance rates in Dallas at around $1,021 annually. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also qualify as some of the more affordable Dallas, TX auto insurance companies.
In the above example, if you are insured with Germania Mutual and switched to Travelers, you could earn annual savings of in the vicinity of $273. Texas drivers with California Casualty may save as much as $375 a year, and Esurance insureds might cut rates by $400 a year.
If you want to see how much you could save, click here to start a quote or feel free to get quotes from the companies below.
Understand that those rates are averages across all drivers and vehicles in Texas and are not factoring in a specific location for felons. So the insurer that has the lowest price for you may not even be in the list above. That underscores the importance of why you need to get rate quotes from many companies using your own individual information.
For felons, one of the largest factors that are looked at to determine the cost of insurance is where your car is garaged in Dallas. More populated areas tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates have the enjoyment of a little cheaper coverage.
The following table ranks the priciest cities in Texas for felons to purchase auto insurance in. Dallas is ranked #2 with an annual premium of $1,911 for the average insured, which is about $159 each month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | McAllen | $1,996 |
| 2 | Dallas | $1,911 |
| 3 | Houston | $1,909 |
| 4 | Brownsville | $1,908 |
| 5 | Laredo | $1,889 |
| 6 | Amarillo | $1,858 |
| 7 | Irving | $1,789 |
| 8 | Garland | $1,778 |
| 9 | Mesquite | $1,753 |
| 10 | Grand Prairie | $1,740 |
| 11 | Pasadena | $1,740 |
| 12 | Beaumont | $1,720 |
| 13 | San Antonio | $1,688 |
| 14 | Lubbock | $1,665 |
| 15 | Carrollton | $1,664 |
| 16 | Arlington | $1,642 |
| 17 | Corpus Christi | $1,636 |
| 18 | Austin | $1,627 |
| 19 | McKinney | $1,625 |
| 20 | Plano | $1,624 |
| 21 | Fort Worth | $1,604 |
| 22 | El Paso | $1,584 |
| 23 | Abilene | $1,545 |
| 24 | Waco | $1,537 |
| 25 | Killeen | $1,488 |
| Find the Best Rates Go | ||
Rate quotes are comparative as the specific garaging location can alter prices noticeably.
Dallas insurance companies
Choosing the best auto insurance provider can be challenging considering how many companies sell coverage in Texas. The information shown below could help you analyze which car insurance providers to look at when shopping insurance around for felons. The ratings below are only comprised of large insurance companies, so companies with more of a regional focus are not included in these rankings.
Top 10 Large Auto Insurance Companies in Dallas Ranked by Claims Service
- Travelers
- Nationwide
- Allstate
- State Farm
- Liberty Mutual
- GEICO
- American Family
- Esurance
- Titan Insurance
- AAA Insurance
Top 10 Large Auto Insurance Companies in Dallas Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Discount Dallas car insurance
Auto insurance companies that offer coverage for felons may additionally offer rate discounts that could lower prices by 30% or more if you are eligible to receive them. A list of insurance companies and some of the premium reductions they offer are:
- Mercury Insurance offers discounts including multi-policy, professional/association, ease of repair, good driver, annual mileage, multi-car, and age of vehicle.
- Farmers Insurance offers premium reductions for bundle discounts, youthful driver, alternative fuel, homeowner, and electronic funds transfer.
- Farm Bureau discounts include multi-vehicle, driver training, multi-policy, renewal discount, youthful driver, safe driver, and good student.
- State Farm offers discounts for passive restraint, good student, multiple policy, Drive Safe & Save, and safe vehicle.
- Allstate has discounts for senior citizen, 55 and retired, defensive driver, farm vehicle, eSmart discount, anti-theft, and anti-lock brakes.
- GEICO may offer discounts for good student, membership and employees, military active duty, air bags, federal employee, multi-vehicle, and emergency military deployment.
The example below illustrates the comparison of insurance costs with and without policy discounts. The price estimates are based on a male driver, no tickets, no at-fault accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with safe-driver, anti-theft, vehicle safety, defensive driving course, accident-free, and homeowner discounts applied. When discounts are factored in, the average savings per year on insurance for felons is 28% or $756.
The benefit of shopping around
Texas insurance rates are calculated based on many things that control the cost of having a policy. Simply improving your credit, filing a claim, or getting a speeding ticket can cause premium changes resulting in some rates now being more affordable than others.
Additionally, auto insurance companies file new Texas car insurance rates every year or even multiple times each year to adjust for unexpected claims or profits. Heavy losses can cause increased rates, while better underwriting can result in lower-priced Dallas car insurance rates.
For instance, the graph below shows the cheapest car insurance in Dallas, TX for a 35-year-old female driver with no violations or accidents, and solid credit. If we estimate rates based on her current situation, Travelers quotes the most affordable car insurance rates in Dallas at $1,311 annually. This is $593 less than the average price paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also included in the top five cheapest Dallas, TX auto insurance companies.
Let’s now give the driver from the first rate comparison a chargeable accident, poor credit, and a speeding ticket. Since each insurance company has a unique formula for establishing rates, analyzing rates may now result in a substantially altered list of cheap Dallas auto insurance companies as shown below.
State Farm now has the best insurance rate in Dallas with Mercury, Safe Auto, Nationwide, and USAA completing the list. This example illustrates why it is critical to perform an extensive rate comparison when trying to find the best car insurance rates for felons.
Rates can be determined by many things and can change without notice, so the lowest-price company three years ago may now be quite expensive.