Average car insurance rates in Dallas are higher than the national average but less expensive than many other major cities of the US. Texas spends on an average of $

858.54 a year for car insurance as compared to the national average of $814.99.

The state of Texas has strict policies to set these car insurance rates in Dallas. The brief description of these factors is provided to people before they get car insurance. Being a car driver in Dallas, you must know about these important aspects that determine the auto insurance rates in Dallas. Here we are with the overview of these important factors of car insurance rates.

Factors that determine insurance rates in Dallas:

The car insurance rates in Dallas depend upon certain factors. The state of Texas makes it clear to everyone. The rules and regulations for setting these factors are approved by the state. Thus everyone has to get auto insurance according to these set rules. Following is the description of factors that determine the insurance rates in Dallas.

Driving conditions:

Yes! your driving conditions matter a lot in this regard. Severe weather, less-than-safe driving and sub-par road conditions become problems for Dallas drivers and increase their car insurance rates. As in such conditions, the probability of accidents and other roadside emergencies increase. So the auto insurance rates also increase. On the other hand in good weather conditions, the auto insurance rates decrease due to less chances of accidents.

Weather:

This natural aspect is also of great worth when there comes the question of determining Dallas car insurance quotes rates. The weather in Dallas is having tow extreme conditions, hot and humid in summer and cold and dry in winter. Springtime is pleasant but spring storms are very frequent and cause of damages as well. In such conditions, the Dallas drivers have to face high rates of car insurance as the chance of damages increase in such weather conditions.

Road conditions:

The researches show that 50 % of roads in Dallas are in poor or mediocre condition. The drivers thus have to pay high insurance rates in such conditions. The reason behind this fact is that the poor road conditions have more chances of accidents as compared to good road conditions. The areas where road conditions are fine, the people enjoy low auto insurance rates just due to less probability of accidents. This rule is also set in other states of the world for determining the rates of car insurance.

Traffic congestion:

There is great traffic congestion in Dallas that cause of expensive insurance rates. Traffic congestion becomes the leading cause of accidents, so auto insurance rates tend to be increased. While in the areas with less traffic congestion, the auto insurance rates become less. This is how the car insurance rates in Dallas are determined.

Moving violations:

Moving violations such as speeding, reckless driving, failure to stop and drunk driving can impact your car insurance rates in Dallas. It is obvious to have high car insurance rates in such violations, as these violations tend to be dangerous. Sometimes they cause high-level accidents and other kinds of damages. So the driver becomes less trustworthy in all such violations. And the auto insurance company increases your auto insurance rates.