Dallas Fort Worth Auto Insurance


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The Dallas/Fort Worth area comprises the fourth largest metropolitan area in the United States, and is the largest population area in the country without any access to the sea. As a result, the primary mode of transportation and shipping in the area is by road. With a higher number of trucks and two million drivers in Dallas County alone, driving can be dangerous in the metroplex. Here is a brief look at some auto-related statistics for Dallas/Fort Worth, Texas:

  • 37,375 auto accidents in 2008
  • 25,685 vehicle thefts in 2009
  • Average commute time of 26.8 minutes
  • 15% of drivers are uninsured

With a high number of uninsured and vehicle thefts, comprehensive Dallas or Fort Worth auto insurance is a necessity. In order to properly register your automobile in Texas, minimum standard auto insurance must be purchased from a Texas Department of Insurance licensed insurer. The state of Texas has established the minimum requirements in order to register an automobile and receive license plates, which includes the following:

  • Liability Insurance

Texas law requires Texas drivers to pay for accidents that they cause. This can be accomplished by purchasing basic automobile liability insurance to cover both bodily injury and property damage, which is required by state insurance law. This liability coverage protects you from claims made by a third party(ies) alleging negligence or fault on your part. Bodily injury liability insurance, at a minimum, also provides legal defense against such third party claims.

You must also be able to provide proof of insurance, which must be shown, among other instances, when asked for by a law enforcement officer or have an accident. Failure to do so may result in a first conviction fine between $175 and $300, followed by subsequent penalties of greater fines, revocation of your license, and impoundment of your vehicle.

Because of the high prices of vehicles and medical care, minimum insurance coverage may not be enough if you are found liable for causing an accident. Consider purchasing other insurance products if you are a Dallas or Fort Worth driver, such as medical payment coverage, personal injury protection, and uninsured/underinsured motorist coverage.

It is important to remember to shop for low prices as well as quality service. For information on the insurance companies with the highest number of complaints in Texas, see the TDI Complaint Information System.

SmartAutoInsurance.com is dedicated to finding reliable and quality Dallas automobile insurance and Fort Worth automobile insurance quotes.

Most vehicle and title registration services are provided by county tax offices or Departments of Public Safety in Texas. Fewer DMV locations are available, since it only came into existence a few years ago.

Principal Department of Motor Vehicles locations in Dallas-Fort Worth are listed here:

  • 5610 Red Bird Center Dr. #500, Dallas (214) 330-3958
  • 11411 E. Northwest Hwy. #11, Dallas (214) 553-0033
  • 500 Elm St., Dallas (214) 861-2100
  • 2625 Old Denton Rd. #464, Carrollton (972) 245-5800
  • 350 W. Interstate 30, Garland (214) 861-2125
  • 190 N. Valley Pkwy. #201, Lewisville (972) 221-8081
  • 2109 W. Parker Rd. #224, Plano (972) 867-4221
  • 3901 W. Arkansas Ln. #111, Arlington (817) 274-1818
  • 6413 Woodway Dr., Fort Worth (817) 294-1075
  • 624 Northeast Loop 820, Hurst (817) 299-1426