Dallas, TX
Auto and home insurance in Dallas, Texas
How Dallas households can compare car and home coverage, with local Census data. A quote is not a binder.
Dallas has about 1,300,000 residents in Dallas County. 67% of its workers drive to work alone and 42% of households own their home, so most families here need both a car policy and a homeowners policy.
Cars, commutes, and households in Dallas
| Measure | Dallas | Texas |
|---|---|---|
| Drive alone to work | 67% | 71% |
| Carpool | 12% | 10% |
| Work from home | 16% | 14% |
| Commute of 45 minutes or more | 14% | 17% |
| Commute under 15 minutes | 21% | 25% |
| Households with no vehicle | 9% | 5% |
| Households with 3 or more vehicles | 15% | 22% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Dallas commutes are shorter than the Texas norm, with 14% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
With 16% of Dallas workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
15% of Dallas households keep three or more vehicles, and 9% have none. Multi-car households can usually save by insuring every vehicle on one policy.
The Dallas homeowners picture
Census figures put Dallas's median home value at $320,700 (Texas: $283,800) and its median year built at 1981. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Texas HO-3 policyholders with $300,000–$324,999 of dwelling coverage paying an average of $2,479; the all-amounts state average was $2,864.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Texas auto minimums that apply in Dallas
Drivers in Dallas must carry Texas's minimum of 30/60/25 in liability coverage (none beyond liability (PIP and UM must be rejected in writing)). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
Bundling auto and home in Dallas
A bundle can simplify life in Dallas: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
Weather and road risks around Dallas
Around Dallas, two exposures stand out: flash flooding and Gulf hurricanes near the coast. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
County hazard detail: FEMA National Risk Index.
Dallas compared with nearby cities
In Irving, 38% own their home and 17% of households have three or more vehicles. In Garland, 62% own their home and 26% of households have three or more vehicles. In Grand Prairie, 59% own their home and 29% of households have three or more vehicles. Dallas ranks 12th for long commutes among the 30 Texas cities we profile.
Dallas quote checklist
- Annual mileage for each car
- Your existing policies and renewal dates
- Drivers' names and dates of birth
- When the roof was replaced
- Accidents, tickets, and claims from the last five years
- Lender name and loan number
Questions from Dallas drivers and homeowners
What are the minimum car insurance limits for Dallas drivers?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
How long are commutes in Dallas?
About 14% of Dallas workers commute 45 minutes or more and 21% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Dallas?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
More Texas cities
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research