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Car Insurance in Denton, TX [Cheap Rates + Best Coverage]

Denton, TX Statistics Details
City Population 136,268

City Density 2,216 people per square mile
Average Cost of Insurance $5,253.24
Cheapest Car Insurance Companies USAA and State Farm
Road Conditions Poor Share: 13%
Mediocre Share: 21%
Fair Share: 18%
Good Share: 49%
Vehicle Operating Costs $415

Denton is a city situated near Dallas and Fort Worth, making it part of one of the busiest metro areas in Texas. It also borders Lewisville Lake, making the city perfect for those who like to spend a lazy afternoon fishing or swimming.

If you are planning on moving to Denton or purchased a new car you need insurance for, we can help. Car insurance is confusing, but we will break it down into manageable sections to help you find the perfect Denton provider.

So stick with us as we go through everything you need to know about Denton and car insurance, from insurance rates to activities around the city. Let’s begin.

Want to start comparison shopping today? Enter your zip code in our FREE online tool above to get started.

Table of Contents

The Cost of Car Insurance in Denton

While Texas law requires you to have car insurance on your vehicle, it can be expensive. Budgeting for car insurance each month can be frustrating, especially when you feel the money could be going toward better things.

To help you pick a provider in Denton that better fits your budget, we will through different providers’ rates. We will also look at what changes rates, from gender to driving record.

We’ve partnered with Quadrant to bring you the following data, so let’s jump right into it.

– Male vs. Female vs. Age

Age is a given in determining rates — consider a teenage driver versus a middle-aged driver. The more driving experience you have, the less you’ll pay for car insurance.

The median age in Denton is 29.1. This means that the majority of drivers are paying basic rates.

Let’s take a look at rates by age in Denton.

Age 17 25 35 60 Cheapest Age
Average Annual Rate $7,087.20 $2,883.42 $2,321.97 $2,202.42 60

60 is the cheapest age to be in Denton, insurance-wise, while 35 is the second-cheapest age. Since the median age of Denton residents is 29.1, most residents are close to getting the second-cheapest rate.

Now that we’ve covered age, let’s look at a less commonly known factor — gender.

  • Male Average Rate in Denton: $3,623
  • Female Average Rate in Denton: $3,427

The averages show that male drivers pay more than females. Why? Because insurers’ accident data shows that males are riskier drivers to insure than females.

Let’s take a look at gender and age rates together in Denton.

Demographic Rate (Cheapest)
Married 60-year old female $2,145.04
Married 60-year old male $2,259.80
Married 35-year old female $2,289.26
Married 35-year old male $2,354.67
Single 25-year old female $2,803.96
Single 25-year old male $2,962.89
Single 17-year old female $6,471.57
Single 17-year old male $7,702.83

The data shows that the older you get, the less you pay.

– Cheapest Zip Codes in Denton

The cost of car insurance does partially depend on where you live in the city. If you live in a bad area that is prone to accidents or car thefts, your rates will go up.

Below you can see the differences in prices at zip codes in Denton.

Zip Code Average Annual Rate
76205 $5,253.24
76209 $5,270.74
76201 $5,316.46
76208 $5,406.81
76210 $5,480.88
76207 $5,516.35

The difference in rates between the most and least expensive zip codes is fairly small; with a difference of less than $300, you can feel comfortable moving around the city without worrying you’ll be charged an extra thousand dollars in car insurance.

Some cities do have rate increases in the thousands, so $300 in Denton is fantastic.

– What’s the Best Car Insurance Company in Denton?

It can be hard to find a company that matches your budget.

We want to dig deeper into rates by looking at which companies provide the best rates for your needs. If you have a history of accidents, for example, you’ll need a provider that charges less based on your driving record.

To help you save money on car insurance, we are going to go through major insurers in Denton and their rates, so stick with us.

– Cheapest Car Insurance Rates by Company

Getting quotes from different companies can help you pick a provider with cheaper rates. To get started, we are going to look at different rates for Denton providers so you can pick companies to explore further.

Group Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Average
Allstate $8,623.18 $10,385.36 $3,969.00 $4,123.41 $3,211.37 $3,232.51 $3,169.49 $3,169.49 $4,985.48
American Family $7,261.95 $9,475.32 $3,860.04 $4,398.60 $2,659.15 $2,971.03 $2,515.28 $2,890.85 $4,504.03
GEICO $5,291.34 $5,490.72 $2,595.13 $2,590.20 $2,394.20 $2,587.30 $2,308.71 $2,624.10 $3,235.21
Nationwide $5,923.77 $7,578.73 $2,458.80 $2,653.82 $2,092.57 $2,123.06 $1,855.18 $1,958.11 $3,330.51
Progressive $8,757.50 $9,769.53 $2,484.03 $2,527.91 $2,094.18 $1,997.13 $1,871.31 $1,904.23 $3,925.73
State Farm $5,087.58 $6,509.09 $2,250.73 $2,315.05 $2,060.45 $2,060.45 $1,842.83 $1,842.83 $2,996.13
USAA $4,355.65 $4,711.09 $2,009.96 $2,131.25 $1,512.91 $1,511.22 $1,452.45 $1,428.99 $2,389.19

Make sure to see what the companies’ rates for your demographic are to narrow down your search. Not all providers will give your demographic the cheap rates that they advertise.

– Best Car Insurance for Commute Rates

How far do you drive to work every day? If you drive long enough to be classified as a long commuter, your insurer could be charging you more for car insurance.

The average driver in Texas travels a total of 15,533 miles a year. Most insurers classify this amount as a long commute and charge drivers extra.

Let’s take a look at which Denton providers charge for a long commute.

Group 10 Miles Commute. 6,000 Annual Mileage. 25 Miles Commute. 12,000 Annual Mileage. Average
Allstate $4,864.76 $5,106.20 $4,985.48
American Family $4,504.03 $4,504.03 $4,504.03
GEICO $3,175.90 $3,294.53 $3,235.22
Nationwide $3,330.50 $3,330.50 $3,330.50
Progressive $3,925.73 $3,925.73 $3,925.73
State Farm $2,996.13 $2,996.13 $2,996.13
USAA $2,359.29 $2,419.09 $2,389.19

The companies American Family, Nationwide, Progressive, and State Farm DO NOT charge for a longer commute. Out of the companies that do charge for a long commute, Allstate charges the most (over $200).

– Best Car Insurance for Coverage Level Rates

If you are going to be driving a long distance every day, getting high coverage is prudent. High coverage can be too expensive for some drivers, though, which is why we want to take a look at rates for coverage levels.

With some careful consideration, you can find a provider whose high coverage rates are affordable.

Group Low Medium High Average
Allstate $4,866.01 $4,940.85 $5,149.57 $4,985.48
American Family $4,189.95 $4,339.05 $4,983.08 $4,504.03
GEICO $3,066.51 $3,197.69 $3,441.44 $3,235.21
Nationwide $3,192.79 $3,222.16 $3,576.56 $3,330.50
Progressive $3,755.74 $3,910.03 $4,111.41 $3,925.73
State Farm $2,830.50 $2,988.80 $3,169.09 $2,996.13
USAA $2,301.29 $2,379.00 $2,487.29 $2,389.19

Good news. The cost of upgrading from low to high coverage is less than a thousand dollars at all providers in Denton. At some providers, like USAA or Nationwide, the cost is less than a few hundred.

So by shopping around, you can drive around protected well for a reasonable cost.

– Best Car Insurance for Credit History Rates

Credit history is important in a variety of purchases, from homes to car insurance. If drivers have poor or fair credit, insurers will charge more.

Group Good Fair Poor Average
Allstate $3,980.53 $4,646.12 $6,329.78 $4,985.48
American Family $3,430.36 $3,931.65 $6,150.07 $4,504.03
GEICO $1,886.54 $2,827.22 $4,991.88 $3,235.21
Nationwide $2,795.33 $3,212.48 $3,983.70 $3,330.50
Progressive $3,545.13 $3,821.03 $4,411.02 $3,925.73
State Farm $2,106.11 $2,641.66 $4,240.61 $2,996.13
USAA $1,643.05 $2,035.39 $3,489.13 $2,389.19

The data shows that going from good to poor credit will cost you at least $1,000 at the majority of providers. If you have fair or poor credit, make sure to shop around and pick a provider with the cheapest rate increases.

After all, it is easier to work your way back to good credit when you aren’t paying an exorbitant amount for car insurance each month.

– Best Car Insurance for Driving Record Rates

Your driving record is one of the most important factors for insurers. If drivers have a terrible driving record, insurers may even refuse to insure them.

Why?

Because drivers with bad driving records are high-risk, meaning insurers have a high chance of having to pay out claims for these drivers. Let’s take a look at what a poor driving record will cost drivers at Denton providers.

Group Clean record With 1 speeding violation With 1 accident With 1 DUI Average
Allstate $3,841.72 $3,841.72 $5,992.00 $6,266.47 $5,366.73
American Family $4,095.95 $4,095.95 $5,238.09 $4,586.12 $4,640.05
GEICO $2,745.75 $3,532.14 $3,636.78 $3,026.19 $3,136.24
Nationwide $2,896.15 $3,264.09 $2,896.15 $4,265.63 $3,352.64
Progressive $3,429.17 $3,855.51 $4,423.46 $3,994.77 $3,949.13
State Farm $2,645.81 $2,645.81 $3,056.01 $3,636.88 $3,112.90
USAA $1,773.57 $2,035.25 $2,633.37 $3,114.58 $2,507.17

Insurers do vary in what they charge for driving record incidents. For example, Geico charges more for a speeding ticket than a DUI. Based on what offenses you have, if any, check what providers charge.

Doing so could save you a significant sum.

– Car Insurance Factors in Denton

There are also living factors that affect rates, not just factors like credit and driving history. For instance, a city with a high percentage of employment will have more insured drivers on the road, driving insurance risk factors down.

To see what living factors impact rates in Denton, we are going to go through everything from household incomes to employment rates by looking at information from Data USA.

Let’s begin.

– Median Household Income

Car insurance is expensive, and you may be paying a larger percentage of your income toward it than you realize. To see what percentage of income Denton residents are spending on car insurance, let’s start by looking at the average household income.

Denton Median Household Income

The average income in Denton is $52,164. This is less than Texas’s average income ($57,051) and the U.S.’s average income ($57,652).

The good news is that Denton’s average income isn’t drastically lower. Still, $5,253 of this income is going to car insurance each month.

The average Denton household pays 10.07 percent of its income on car insurance each year.

This is a significant amount, especially when you consider what else that 10 percent could be going toward. Want to see what percentage of your income is going to car insurance?

Use our free insurance as a percentage of income calculator below.

CalculatorPro

– Homeownership in Denton

If you’ve recently become a homeowner, here’s another reason to celebrate:

Homeowners can save on car insurance. Because insurers view homeowners as more responsible, insurers often offer home and auto bundling discounts.

Let’s see what percentage of Denton residents own their homes and are saving on car insurance.

  • 2017 Denton Resident Homeownership: 47.8 percent
  • 2017 Denton Resident Renters: 52.2 percent

Denton’s 2017 percentage of homeownership grew slightly; in 2016 the percentage of homeownership was 47.2 percent. While Denton’s percentage of homeownership is still below the national average (63.9 percent), it is slowly increasing.

Let’s take a look at the median value of homes to see if price is a factor in the lower percentage of homeownership.

Denton Median Property Value

The median cost of a home in Denton in 2017 was $179,000. This price is a significant increase from 2016’s median cost of $162,700.

Denton’s property median cost is higher than the Texas average of $151,500, which could be why Denton has a lower rate of homeownership.

– Education in Denton

If you or your family members are considering pursuing higher education in Denton, there are public four-year schools available in the city.

Denton Universities

These schools awarded a total of 12,797 degrees in 2016.

  1. The University of North Texas (8,719 degrees awarded)
  2. The Texas Woman’s University (3,996 degrees awarded)
  3. Ogle School Hair Skin Nails – Denton (82 degrees awarded)

There is also a community college close by Denton, North Central Texas College. The school has open admission and offers one- to two-year accreditation programs, as well as transfer programs.

NCTC also offers online courses if the school is too far from your residence in Denton.

All in all, Denton offers a fairly decent selection of higher education schools, so you can continue learning in your new city.

– Wage by Race & Ethnicity in Common Jobs

We want to dig a little deeper into incomes by looking at what percentage of income different races and ethnicities are paying for car insurance in Texas.

Race or Ethnicity Average Salary Percentage of Income Going to Car Insurance
Asian $107,939 4.87%
White $103,767 5.06%
Two or More Races $89,714 5.86%
American Indian $74,900 7.01%
Black $73,311 7.17%
Other $64,955 8.09%
Other Native American $60,677 8.66%
Native Hawaiian and Other Pacific Islanders $46,959 11.19%

Asians are the highest-paid race or ethnicity, paying less than 5 percent of income toward car insurance. As incomes decrease, though, race and ethnicities’ percentages go up.

– Wage by Gender in Common Jobs

We also want to take a look at wage differences by gender. Below you can see the differences in salaries for the same jobs in Texas.

Wage by Gender in Common Jobs (1)

Males earn considerably more than females in Texas, and this gender pay gap holds true across the U.S.

  • Male Average Salary: $64,953
  • Female Average Salary: $45,959

Males in Texas earn about $19,000 more than females. This means that while males pay about 8 percent of their income towards car insurance, females pay over 11 percent.

– Poverty by Age & Gender

Poverty, like wage gaps, shows trends in which gender is more poverty-stricken. The largest demographic living in poverty in Denton is females aged 18 – 24.

Denton Poverty by Age and Gender

The second- and third-highest demographics are males ages 18 – 24 and males ages 25 – 34.

Out of those living in poverty in Denton, 19.5 percent (23.5k out of 120k people) live below the poverty line. This is greater than the national average of 13.4 percent.

Denton has a higher-than-average amount of people living below the poverty line, which isn’t great.

– Poverty by Race & Ethnicity

Just like gender, races and ethnicities differ in what percentage lives in poverty.

Denton Poverty by Race and Ethnicity

Whites are the largest demographic living in poverty, at 16,915. Hispanics are the next largest demographic (7,194 people), followed by Blacks (2,783 people).

– Employment by Occupations

Let’s dive into a more uplifting set of data — employment occupations and growth.

Denton Employment by Occupations

The three most common occupations in Denton are the following. 

  1.  Office and Administrative Support Occupations (8,768 people)
  2. Sales and Related Occupations (7,314 people)
  3. Education, Training, and Library Occupations (7,118 people)

The employment rate grew at a rate of 3.11 percent from 2016 to 2017, as the workforce went from 65.3k employees to 67.4k employees. This is great news, and hopefully, the employment growth rate will help cut back on poverty rates in Denton.

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Driving in Denton

City driving can flummox drivers new to the city, as navigating grids, battling traffic, and finding parking can be overwhelming.

To give you an idea of what it’s like to drive in Denton, we are going to go through everything you need to know about Denton’s roads and traffic.

This way, you’ll have a good expectation of how much time to allot to your drive to work each day.

– Roads in Denton

A city with easy routes and well-maintained roads is a joy to drive in. Not so much fun to drive in is a city riddled with potholes and confusing intersections.

So let’s jump into what Denton’s roads are like, from highways to road conditions.

– Major Highways

The state of Texas has 25 active routes. These routes make up over 3,000 miles of roadway, helping Texans get to where they need to be.

Three of these routes, I-35, I-35E, and I-35W, run right through the Denton area.

Denton_TX_Highway_Map-medium

Because these highways run through Denton, you have easy access to other cities.

The bad news is that wherever there’s a highway, there are also toll roads.

For instance, there are fees on the Sam Rayburn Tollway from Denton County to Collin County. While I-35 doesn’t have tolls on the main road, it has TEXpress lanes that you can use for a fee.

Because I-35 tends to be backed up, if you use it frequently, you should invest in a TxTag to take the TEXpress lanes.

Once you pay for the TxTag device and install it in your car, you can set up automatic payment and breeze through tolls. TxTag users also have the cheapest toll rates (up to 50 percent less).

So if you go through tolls frequently, a TxTag will save you money.

– Popular Road Trips & Sites

A city should have plenty of interesting attractions and things to do. Otherwise, you may find yourself bored on the weekends. The video below shows what Denton residents have to say about their city.

Once you’ve seen all that Denton has to offer and want to venture out of the city, there are plenty of fun road trips to take around Texas.

These are just some ideas to spark your interest. Because Denton is so near Dallas, you can also venture there for more attractions and events.

– Road Conditions

Kids who grew up watching Lightning McQueen repave broken roads didn’t understand the significance of smooth roads until they started driving themselves. The last thing you want to drive on is broken, pot-hole-riddled roads.

Not only do poor road conditions put more stress on your car’s shock absorbers, but they could also result in a flat tire if you drive over a huge pothole.

Let’s take a look at what Denton’s road conditions are like.

Denton Road Conditions Details
Poor 13%
Mediocre 21%
Fair 18%
Good 49%
Vehicle Operating Costs (VOC) $415

Almost 50 percent of Denton’s roads are deemed good, and only 13 percent are poor. These numbers aren’t bad and show Denton has put effort into maintaining its roads.

– Denton Speeding & Red-Light Cameras

The Insurance Institute of Highway Safety (IIHS) lists Texas as a state that only uses red-light cameras, which means speeding cameras aren’t used in Texas.

Recently, however, Texas has also banned the use of red-light cameras.

This means that if any red-light cameras are in Denton, they have already been turned off and should be taken down soon.

– Vehicles in Denton

Car ownership is great, as it gives drivers freedom. The not-so-fun side, though, is dealing with things like car insurance and repairs. Even worse, you may have to deal with problems like vandalism or theft.

Every city varies in crime rate or what repair amenities it offers, so let’s jump in and see what it’s like to own a car in Denton.

– Denton Cars Per Household

Before we get into crime risks, we want to see the average amount of cars that most Denton residents own.

Denton Car Ownership

 

The majority of residents (45.6 percent) own two cars, followed by 21.6 percent that own one car. A small percentage of people (2.31 percent) own five or more cars.

– Denton Households Without a Car

A few households in Denton depend on public transportation, as they don’t own cars. Let’s take a look at the number of households in Denton without cars.

2015 Households without Vehicles 2015 Vehicles per Household 2016 Households without Vehicles 2016 Vehicles per Household
4.9% 1.78 3.1% 1.8

The percentage of households without cars went down in 2016, so more households gained cars in that time period.

– Speed Traps in Denton

If you’ve ever speed past a cop tucked out sight, then you’ve experienced the infamous speed trap. Wherever streets are notorious for speeding, a cop may hide out of a driver’s sight with a radar gun.

Denton, however, is not on the list of the top 10 worst cities in Texas for speed traps.

While there will still be cops monitoring speed in Denton, there probably aren’t as many speeding tickets handed out as in the cities known for speed traps.

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– Vehicle Theft in Denton

We worry about accidents, but generally, we don’t think about car theft until a vehicle is stolen. According to the FBI’s crime report, in 2013 there were 102 vehicles stolen in Denton.

In 2017, Neighborhood Scout reported 304 vehicles stolen in Denton, a significant increase from 2013.

Neighborhood Scout lists the safest neighborhood in Denton as Ponder.

Denton_Safest_Neighborhood_(Ponder)-medium

If Ponder isn’t where you want to live, other safe neighborhoods are as follows:

  • Green Valley
  • Cooper Creek
  • Fm 2181/Hickory Creek Rd
  • State School Rd/N Stemmons Fwy
  • E University Dr/N Trinity Rd
  • Fm 248/Stuart Rd
  • Robinson Rd/Oakmont Dr
  • W University Dr/N I 35
  • E Windsor Dr/Fm 248

Neighborhood Scout considers these areas to be the safest places to be. If you need convincing on why you should pay more to live in a safer area, let’s look at your chances of being the victim of a violent crime.

In Denton, you have a one in 328 chance of being the victim of a violent crime. This is slightly better than the Texas average of one in 228.

Let’s break down what violent crimes occur in Denton.

Denton Violent Crimes 2017 Murder Rape Robbery Assault
Report Total 1 128 94 205
Rate Per 1,000 People 0.01 0.94 0.69 1.50

The rates per 1,000 residents are fairly low, which isn’t terrible. Denton has only earned a crime index rating of 20, though, meaning Denton is safer than just 20 percent of all U.S. cities.

Let’s take a look at annual crimes to see if they are part of the reason for Denton earning a low crime index rating.

Denton Annual Crimes 2017 Violent Property Total
Number of Crimes 428 3,300 3,728
Crime Rate (per 1,000 residents) 3.14 24.22 27.36

Denton’s rates per 1,000 residents aren’t terrible, though lower is always better. By living in one of Denton’s safer neighborhoods, you can help lower your chance of being a crime victim.

– Traffic

Unfortunately, traffic is a natural occurrence in cities. The good news is that traffic is better in some cities than in others. To see what Denton’s traffic is like, we are going to go through everything from congestion rates to commute time.

This way, you won’t be surprised by how long (or short) a time it takes you to commute across the city.

Let’s begin.

– Traffic Congestion in Denton

Here’s the good news. Denton is not on traffic scorecards like Inrix or TomTom, which means Denton’s traffic is not terrible enough to be on the list of the worst cities for traffic in the U.S.

The bad news? This doesn’t mean that Denton doesn’t have any traffic.

You will have to deal with normal traffic patterns, as in any area. At least you won’t be sitting in traffic for hours, though.

– Transportation

Denton’s average commute time shows that the majority of residents aren’t dealing with miles of traffic every morning.

Denton Commute Time

The average travel time in Denton is 22.7 minutes (or 45.4 minutes a day). This is shorter than the U.S. average of 25.1 minutes a day, so Denton residents have a relatively great commute.

Let’s also take a look at how Denton residents get to work each day.

Denton Commuter Transportation

The majority of Denton residents (77.1 percent) drive alone to work. A small percentage (10.1 percent) carpool and 4.61 percent of residents work from home, cutting out the need for transportation to work altogether.

– Busiest Highways

The major routes near Denton (I-35W and I-35E) are some of the busiest highways in the Fort Worth-Dallas area.

To give you an idea of what traffic is like on these roads, we’ve included the data for sections of I-35E. Generally, you can expect traffic to be similar across I-35E and I-35W.

Highway Section Rank Delay Per Mile Congestion Cost Hours of Delay Daily Traffic Volume
IH 35E / US 77 46 281,106 Hours $60,650,384 2,964,260 Hours 146,985 Vehicles
Stemmons Fwy / IH 35E / US77 77 211,838 Hours $13,582,269 675,340 Hours 185,781 Vehicles

If you are planning on taking I-35E or I-35W, make sure to leave early or at a time that isn’t prime rush hour.

– How Safe are Denton’s Streets and Roads?

You can be the safest driver on the road, but you can’t be in control of those around you. Some cities are more dangerous to drive in due to a higher number of drunk drivers, terrible road conditions, and other safety factors.

We want to see how safe Denton’s streets are, which is why we go through the National Highway Traffic Safety Administration’s (NHTSA) data on crashes in Denton County.

Let’s start by looking at all crash fatalities in Denton.

Fatalities (All Crashes) 2013 2014 2015 2016 2017
Denton County 40 37 38 49 49

Denton’s number of fatalities increased in 2016 and 2017, though there was a slight drop before these years. What causes these fatalities?

Below, you can see what the major causes of crashes are and how many are happening in Denton.

Denton County Crash Type 2013 2014 2015 2016 2017
Involving an Alcohol-Impaired Driver (BAC 0.8+) 17 14 12 18 21
Single Vehicle Crash 15 17 17 24 23
Involving Speeding 17 21 12 13 16
Involving a Roadway Departure 17 23 18 22 21
Involving an Intersection or Intersection-Related 9 7 8 15 10

Drunk driving and roadway departure fatalities have seen a slight increase over the years. The major cause of fatalities in Denton, however, is single-vehicle crashes.

It should be noted that car occupants aren’t the only ones claimed by car crashes.

Denton County Person Type Fatalities 2013 2014 2015 2016 2017
Passenger Car Occupant 11 17 11 19 11
Pedestrian 2 2 7 7 11
Pedalcyclist 1 1 0 3 1

There has been a marked increase in pedestrian deaths in Denton County. Don’t depend on the drivers to avoid you — wear bright colors and keep an eye on the road.

Which brings us the question: what roads are the worst to be on?

The NHTSA collected data on fatal crashes on Texas’s roads, which we’ve included below.

Rural Interstate Urban Interstate Freeway and Expressway Other Minor Arterial Collector Arterial Local Unknown
176 402 260 982 652 600 261 10

What do these road types mean?

An arterial road is any road designed for major traffic flow, such as a highway. If the traffic flow is lighter, the road may be described as a minor arterial road.  A collector arterial road takes local traffic and deposits it at major arterial roads.

Since collector roads have seen almost as many accidents as arterial roads, be careful at intersections and when merging onto arterial roads.

Finally, one last bit of information about highway crashes we want to look at is information from the U.S. Department of Transportation.  The U.S. DoT collected data on railroad and highway crash incidents, and we’ve included the data for Denton below.

Highway User Speed Calendar Year County Highway Highway User Type Rail Equipment Type Non-Suicide Fatality Non-Suicide Injury
- 2014 Denton Mayhill Rd. Pedestrian E 0 1

If you are driving or walking near Mayhill Road in Denton County, stay aware.

– Allstate America’s Best Drivers Report

Every year, Allstate ranks the 200 biggest cities in the U.S. based on their drivers. Denton’s rating is below.

2018 Best Drivers Report Ranking Average Years Between Claims Relative Claim Likelihood (Compared to National Average) 2018
Drivewise®
Hard-Braking
Events Per
1,000 Miles
Suburban
Metro Area
Average Years
Between Claims
(Suburban
Metro Area)
155 (out of 200 rated cities) 7.1 39.9% N/A Denton, TX 8.4

Denton has a decent number of years pass between claims, which means that most drivers aren’t getting into claim-worthy accidents every year.

– Ridesharing

Transit has evolved beyond taxis in major cities, with services like Lyft and Uber becoming increasingly popular. These services can quickly become an expensive budget item, though, which is why we want to check ridesharing prices in Denton.

  1. Uber — This ridesharing service is the cheapest in Denton, as long as you don’t use Uber Select or Uber Black.
  2. Lyft — Lyft is similar in price to Uber (once again, it is more expensive if you use Lyft Plus or Lyft Lux).
  3. Taxi — A traditional taxi costs more than the basic Uber and Lyft options.
  4. Curb — Curb is the more expensive of the options, costing more than a traditional taxi in Denton.

By comparing rideshare prices in Denton, you can make sure you get the best deal on your ride.

– E-star Repair Shops

The next time you need to get the bumper on your car fixed, make sure that you are using a reputable shop that does timely work. To help you pick a future repair shop, we’ve included a list of Esurance’s E-star rated shops in Denton.

Shop Name Address Contact Info
Caliber - Denton 718 N ELM ST
DENTON TX 76201
P: (940) 387-3575
F: (972) 906-7164
Caliber - Corinth 5401 SOUTH I 35 E
CORINTH TX 76210
P: (940) 270-8000
F: (972) 906-7164
Caliber - Lakewood 12424 PACIFIC HWY SW
LAKEWOOD WA 75057
email: [email protected]
P: (253) 584-1922
F: (253) 582-6208
Service King The Colony 5270 MEMORIAL DR
THE COLONY TX 75056
email: [email protected]
P: (972) 987-1757
Service King Frisco 8661 MAIN ST.
FRISCO TX 75034
email: [email protected]
P: (972) 377-0405
F: (800) 214-2373
Caliber Collisions Training Center 2941 LAKE VISTA DRIVE
LEWISVILLE TX 75067
P: (949) 224-0300
Service King Lewisville 2765 S. STEMMONS FRWY
LEWISVILLE TX 75067
email: [email protected]
P: (972) 315-6505
F: (800) 214-2373
Caliber - Forth Worth 11400 N FWY SERVICE RD E
FORT WORTH TX 76177
email: [email protected]
P: (682) 235-7755
F: (817) 337-1081
Service King 05 Carrollton 2309 MIDWAY RD
CARROLLTON TX 75006
email: [email protected]
P: (972) 407-0275
F: (800) 214-2373
Service King Grapevine 2601 WILLIAM D. TATE AVE
GRAPEVINE TX 76051
email: [email protected]
P: (817) 410-7640
F: (800) 214-2373

All of these repair shops are 25 miles or less from the heart of Denton city. So if you need repairs after you move to Denton, rest assured that there are plenty of highly rated repair shops near you.

– Weather

Anyone moving to Texas can expect flat land and hot weather. Different areas in Texas, though, can vary in how hot or rainy they are.

To prepare you for what to expect in Denton, we are going to take a look at U.S. Climate Data’s information on Denton’s year-round weather.

Denton Weather Averages
Annual High Temperature 76°F
Annual Low Temperature 53.7°F
Average Temperature 64.85°F
Rainfall 38.08 inches

The U.S. Climate Data doesn’t have information on annual snowfall, but the average low temperature recorded makes it clear that snowfall is a rarity in Denton.

Less rare are natural disasters in Denton County.

Denton County has experienced 17 natural disasters, which is greater than the U.S. average of 13. These natural disasters include storms, fires, floods, hurricanes, tornadoes, and wind.

Since there is a higher number of natural disasters in Denton’s history, it helps to prepare for them ahead of time. One of the ways you can do this is by purchasing comprehensive coverage for your vehicle.

Comprehensive coverage will protect your vehicle if damages occur from collisions other than with another vehicle. For instance, you’ll be protected if a hurricane knocks a tree onto your car or if you run into an animal.

As an added bonus, comprehensive coverage also pays for damages or losses from vandalism or vehicle theft.

– Public Transit

If you’ve ever quit public transit after purchasing your first vehicle, then you know the freedom of owning your own car. Public transit can be invaluable, though, especially in cities.

Denton has both public buses and rail service in Denton County. We’ve listed the standard fares below.

Pass Type Fare
Day Pass Local: $3
Regional: $12
Reduced: $1.50
AM/PM Pass Local: $1.50
Reduced: $0.75
7-Day Pass Local: $15
10-Pack of Day Passes Local: $20
Regional: $84
Monthly Pass Local: $48 (reduced $24)
Regional: $194 (reduced $48)
Annual Pass Local: $480 (reduced $240)
Regional: $1,920 (reduced $576)

Regional fares are more expensive because they cover a wider range of transportation services that allow users to travel outside the Denton County area.

Neither regional nor local cover paratransit services in Denton County — this is a separate service that users must apply for.

Reduced fares are available for the following:

  • Seniors (65+)
  • People with disabilities
  • Medicare cardholders
  • Students (ages 5 – 18)

Students who are older than 14 have to have a school ID or a Denton County Transportation Authority (DCTA) ID to qualify for a reduced fare.

– Alternate Transportation

Currently, Denton doesn’t have popular alternative transportation methods like Bird or Lime available. These popular bike and scooter rentals are available in Dallas, though.

So if you head out to Dallas for a day, try riding a scooter or bike around the city. You might end up liking these methods of transportation so much, you get your own bike for cruising around Denton.

– Parking in Metro Areas

Denton has street parking available, though you’ll have to make sure to feed the meters your spare change.

If you are trying to save, there are free public parking areas in Denton County. If these are full, there are also parking garages across the city.

Parking garages are usually more lenient in time than street parking, as you pay when you leave the garage. So if you are going to be in Denton for more than a few hours, it might be better to park in a garage than to constantly run back and forth to feed a meter.

Denton County also has park-and-ride lots for its buses, so you don’t have to worry about finding parking if you take a public transit system.

Finally, one last aspect of public parking that we want to look at is electric vehicle charging. If you own an electric vehicle, then it’s important that there are plenty of charging stations for you.

The bad news is that compared to other cities, Denton only has a small number of charging stations.

However, 12 out of the 34 charging stations in Denton are free, which is good news. So if you need to charge your vehicle in Denton, make sure to plan ahead so you’ll be near a station.

– Air Quality in Denton

Air quality may seem like an odd thing to cover in a car insurance guide, but air quality has an important impact on our health.

And since vehicles are a large contributor to air pollutants in cities, we want to see what Denton’s air quality is like with so many vehicles traveling on its roads.

So let’s take a look at the Environmental Protection Agency’s (EPA) information on air quality in Denton County.

Denton County Air Quality 2016 2017 2018
Days with AQI 366 365 365
Days Good 291 288 282
Days Moderate 64 68 69
Days Unhealthy for Sensitive Groups 11 9 13
Days Unhealthy - - 1
Days Very Unhealthy - - -

The bad news is that Denton County saw an increase in 2018 in days unhealthy for sensitive groups, as well as one day that was unhealthy for all groups.

The good news is that this increase wasn’t drastic, and hopefully, Denton’s air quality won’t continue to worsen.

Military & Veterans

Car insurance is hard enough to navigate without trying to figure out what discounts you’re eligible for. To help you navigate car insurance as military personnel or a veteran, we are going to go through everything you need to know about military car insurance in Denton.

This way, you can feel confident you are picking a provider with the best discounts for you. Let’s jump right into everything from the number of veterans in Denton to USAA availability and rates.

– Veterans by Service Period

Do you know where your local veterans served? Denton has a large number of Vietnam veterans (1,989) living in the city.

Denton Veterans by Service Period

The second-largest group is Gulf War (2001-) veterans (1,117), followed closely by the Gulf War (1990s) veterans (1,114).

There is also a small group of WWII veterans (75)  living in Denton.

– Military Bases Within an Hour

There is a military base about 50 minutes from the heart of Denton city. This distance could be shorter or longer based on where you live in Denton.

The Naval Air Station Joint Reserve Base in Fort Worth trains and equipps air and ground crews. The base is a pivotal part of Texas’s economy, as it hires over 11,000 personnel and produces $1.3 billion annually.

If you are considering joining this base, it would be a long, but doable, commute.

– Military Discounts by Providers

Now that we’ve covered veterans and military bases in Denton, let’s get to the car insurance part. Below is a list of major providers in Texas who have military discounts.

Insurance Company Percentage Saved with Discount
Farmers NA
GEICO 15%
Liberty Mutual (must be active duty) 4%
MetLife 15%
Safeco NA
USAA* NA

*USAA also offers a military garaging discount.

Since we’ve only covered major providers, a few small local providers may still have a military discount. It never hurts to ask about military discounts when scoping out providers, as they may have a discount that isn’t advertised.

– USAA Availability

USAA is available in Texas. USAA provides insurance to military personnel and their families, and their insurance rates are much cheaper than other providers.

Take a look at the table below to see for yourself how USAA compares to other Texas providers.

Company Average Compared to State Average (+/-) Compared to State Average (%)
Allstate F&C $5,485.32 $1,556.98 28.38%
The Gen Automobile Ins Co Inc $4,849.18 $920.84 18.99%
Progressive Cty Mtl $4,664.85 $736.51 15.79%
Nationwide CCMIC $3,867.57 -$60.77 -1.57%
GEICO County Mutual Ins Co. $3,263.39 -$664.95 -20.38%
State Farm Mutual Auto $2,879.95 -$1,048.39 -36.40%
USAA $2,488.12 -$1,440.22 -57.88%

Compared to the state average, USAA has the cheapest rates by far. While other providers are also below the state average, USAA is almost 60 percent less, which none of the other companies come close to beating.

So if you are considering a new provider, make sure to add USAA to the top of your list.

Unique Denton City Laws

Even experienced and careful drivers can earn a ticket if they aren’t familiar with local driving laws. Since the last thing you want to tack on to monthly expenses is a driving ticket, we are going to go through Denton’s unique laws.

So stick with us as we go through everything from hands-free laws to parking laws — it might just save you an expensive ticket.

Let’s begin.

– Hands-Free Law

In Texas, the law allows drivers to use hand-held devices only in certain areas. This doesn’t mean the drivers can text in these areas, though, as texting is prohibited for all drivers.

Hand-Held Ban Young Drivers All Cellphone Ban Texting Ban Enforcement
Drivers in school crossing zones/on public school property (during the time the reduced speed limit applies) Drivers younger than 18 All drivers Primary

So while you can use a hand-held device for GPS or for changing the music, make sure you don’t text in Denton. If you are caught illegally texting, the offense is a class C misdemeanor. You’ll also be fined up to $500.

So put that phone away when you’re driving a car.

– Food Trucks

Want to operate a food truck in Denton? If so, we have good news. A restrictive law that allowed food trucks to only stop for 15 minutes was removed in 2012.

With fewer restrictions, it is easier to operate a food truck in Denton. Although you will have to file all the proper paperwork for a food truck application before you can start selling food around the city.

You’ll need the following:

  • Proof of Texas Sales and Use Tax Permit
  • Route Itinerary
  • Permission to Use Restrooms Agreement (only if you stay somewhere more than an hour)
  • Commissary Service Verification Agreement
  • Denton Fire Prevention Safety Inspection
  • Current Vehicle License Plate and Registration
  • Adequate Potable/Wastewater Capacities
  •  Water Tank Security
  • Wastewater Tank Clean-Out Valve
  • Hand Washing Sink
  • Ware Wash Sink

This list may seem extensive, but a lot it is simply having a food truck that’s up to code with Denton’s requirements, so don’t get overwhelmed by the application process.

– Tiny Home

Tiny homes are somewhat difficult to have in Denton, due to current zoning issues that make for strict rules. While you could always park in a mobile home area, if you want to park on private land, it might be best to wait for Denton to revise its laws.

Denton is working hard on revising its ordinances to make tiny homes easier to have, so in the next year or two Denton should be a great place to own and live in a tiny home.

– Parking Laws

If you’ve ever driven down a crowded city street, you may have noticed that a few cars are parked facing the wrong way. This is illegal, and these drivers will probably end up with a ticket.

Why is wrong-direction parking so bad?

Because these drivers must pull into oncoming traffic to park on the other side of the street, which is dangerous for both them and other drivers.

One of the ways to avoid the temptation to park in the wrong direction is to reserve a spot at a parking garage. By reserving a spot, you can feel confident that you’ll have a parking spot available and reach your destination on time.

Denton Car Insurance FAQs

Do you still have questions? Car insurance is a confusing subject, and we want to clear up any questions you may still have about living and driving in Denton.

So stick with us as we go through some frequently asked questions others are asking about Denton.

– What Happens if I’m in a Car Crash in Denton?

Texas is an at-fault state. What does this mean? It means that if you caused the accident, you are liable for the other driver’s property damage and injury costs.

Which is why we always stress the importance of having good car insurance coverage in Texas. The better protected you are, the less you’ll have to pay out of pocket for an accident you caused.

– What Cities are near Denton, Texas?

Denton is right by Dallas and Fort Worth, which means you are near major Texas cities. This makes it easy to access major hubs or activities, such as downtown nightlife or major city events.

– What is there to do in Denton, Texas?

There is plenty to do in Denton, from historic sites and memorials to old-fashioned ice cream shops. Because Denton is so close to major cities, you are surrounded by popular places to venture out to.

The bottom line? It’s hard to be bored if you live in Denton, as there is plenty to do both inside and outside the city.

– How is living in Denton, Texas?

Well, the bad news is that Denton homes cost more than the Texas average. So you can expect to pay more if you are buying a home in Denton.

The good news is that Denton has a low crime rate, so even though you’re paying more for a home, you are living in a safer city.

– What Airports are near Denton, Texas?

If you travel frequently for your job, the last thing you want is to have to drive over an hour to reach an airport. Luckily, the Dallas Fort Worth International Aiport is just over 30 minutes away from Denton.

So if you plan on doing a lot of traveling, Denton has convenient access to a major airport.

Now that you’ve reached the end of our guide, we hope that we’ve answered all your questions and you are prepared to drive and live in Denton.

If you want to start comparison shopping today, enter your zip code in our FREE online tool below.

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