It's one of those things that happens quite a bit but not enough for it to be called common. Photophobia is one of the least talked-about dry eye symptoms I think. I wonder if you're also having some reduced contrast sensitivity? (These are problems LASIK etc patients often have from corneal irregularity... I don't know if a really dry surface can do the same thing or not but if you really wanted to pursue it you could ask for low light contrast sensitivity testing.)
I wish I had an answer. Do you have to have "dark" lenses at night? I wonder if some really high quality high contrast sunglass lenses would occlude enough light without reducing your vision so much. Or perhaps light-adjusting lenses. They don't darken in a car but still it might be just enough to help you get by. If you're not already wearing the foam-lined type, I find those foam gaskets very helpful in eliminating peripheral light.
Others here may know more about special lens tints that could possibly be helpful as well.
The Dry Eye Zone