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Get Cheap Car Insurance in Five Mile Creek, Dallas, TX

We monitor insurance prices, helping the average driver in Five Mile Creek save up to 34.2% on car insurance.

 

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The Cheapest Minimum Coverage in Five Mile Creek

The chart below shows the cheapest car insurance company in Five Mile Creek for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Clearcover, followed by Mile Auto, Progressive, and State Farm.

 
Five Mile Creek Insurer Monthly Cost
Clearcover $50
Mile Auto $65
Progressive $67
State Farm $72

Savings for Every Kind of Five Mile Creek Driver

The table shows how much the average auto insurance customer in Five Mile Creek might save by following our recommendations.

Based on our extensive insurance data, we know the average Five Mile Creek driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $397 per year by choosing the right vehicle insurance company. Some Five Mile Creek residents are paying out over $1,931 extra every year for auto insurance in Five Mile Creek. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Five Mile Creek Car Insurance vs. Dallas

People living in Five Mile Creek pay an average of 1.18% less than the typical driver in the state. The average driver in Five Mile Creek can expect to pay about $1,150 per year, or $1,931 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Five Mile Creek for most people.

Car Insurance Prices by Five Mile Creek Neighborhood

Five Mile Creek, Dallas, TX map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Five Mile Creek?

The map shows insurance prices in and around Five Mile Creek, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $448 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,249 to a low of $1,801. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the West parts of Five Mile Creek.

Pick the Best Car Insurance Company for You in Five Mile Creek

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Five Mile Creek insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Five Mile Creek

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $397 over the average Five Mile Creek car insurance company.

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We use the average good driver, paying $128 per month, as our baseline for pricing in Five Mile Creek. State Farm, Progressive, and Mile Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Five Mile Creek drivers with accidents on their records

In Five Mile Creek getting into an accident will raise premiums an average 32% for a yearly cost of $2,848. That's $917 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Mile Auto, and Farmers Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $909 over the competition.

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The best car insurance company for Five Mile Creek drivers with speeding tickets

>Mile Auto gave the average person with a speeding ticket the most savings, averaging $801 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Five Mile Creek, tickets raise premiums on new quotes about $679. If you have a speeding ticket, we recommend State Farm, Mile Auto, and Clearcover for savings that beat the average insurance cost of $2,610 per year.

The best auto insurance for Five Mile Creek drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,687 per year in auto insurance premiums, which was $756 more than a driver with no major issues. Mile Auto, Kemper, and Farmers Insurance penalized their customers the least for a DUI.

Getting a quote from Mile Auto may cost the average person with a DUI about $918 less each year.

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The least expensive car insurance company for new and young drivers in Five Mile Creek

In Five Mile Creek, State Farm costs young drivers $1,397 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Five Mile Creek. With an average cost of $5,351 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Chubb try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Five Mile Creek

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $66. State Farm, Geico, and Chubb provided the largest discounts to couples living in Five Mile Creek.

State Farm gave the largest car insurance discounts to married couples, averaging $528 saved each year compared to an average Five Mile Creek couple's premiums.

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The cheapest car insurance in Five Mile Creek for drivers with bad credit

People with poor credit saved an average of $577 with Farmers Insurance.

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Many people are surprised that their poor credit score can cost them an average of $780 every year. Premiums for people with poor credit were about $2,711 in Five Mile Creek. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Farmers Insurance, and Clearcover.

The best Five Mile Creek car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Five Mile Creek, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farm Bureau as the best provider in Five Mile Creek.

Nationwide was the best company for customer service in Five Mile Creek according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Five Mile Creek, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Five Mile Creek. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Five Mile Creek

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 91% of Five Mile Creek residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Five Mile Creek driver can expect to pay about $129 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Five Mile Creek, USAA has the best prices for drivers with a DUI conviction, good drivers, married couples, drivers with accidents, young drivers, drivers with speeding tickets, and drivers with bad credit.
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Auto Insurance Prices in and Around Five Mile Creek

What Influences the Cost of Car Insurance in Five Mile Creek?

On average, car insurance in Five Mile Creek is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Five Mile Creek is 34 minutes, which is a little more than average for a driver in the city.
  • Texas state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Five Mile Creek are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
  • Five Mile Creek is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Five Mile Creek is $96 per month for minimum coverage and $161 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Five Mile Creek driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Five Mile Creek with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.