At $55 monthly, State Farm provides Carrollton's most affordable minimum coverage, while their full coverage leads at $116 per month or $1,396 annually. These premiums apply to drivers with clean records. Your age and driving record influence which insurer offers you the best rate, so shopping around helps you find the most competitive premium for your profile.
Cheapest Car Insurance in Carrollton (2026)
Updated: July 30, 2026
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Cheapest for Full Coverage: State Farm
- State Farm provides Carrollton's most affordable full coverage car insurance at $116 monthly and offers minimum liability coverage at $55 per month.
- Read more on the cheapest full and minimum coverage options.
Cheapest for Young Drivers: State Farm
- Age is a major factor affecting car insurance costs in Carrollton. Young drivers aged 16 to 25 find the lowest full coverage rates through State Farm. Seniors also get competitive rates with State Farm at $133 monthly.
- Read more about the cheapest insurance options in Carrollton for young drivers and other age groups.
Cheapest for Drivers With a DUI or Other Violations: State Farm
- Violations drive up premiums substantially in Carrollton, but State Farm leads with the lowest DUI rates at $90 monthly for minimum coverage and provides the best rates for both speeding tickets and at-fault accidents.
- Learn more about how violations affect your rates and find the cheapest options for drivers with imperfect records.
Cheapest Carrollton Car Insurance for Full and Minimum Coverage
| State Farm | $116 | $55 | -44% |
| Geico | $145 | $75 | -27% |
| AAA | $157 | $81 | -22% |
| Mercury Insurance | $170 | $82 | -17% |
| Progressive | $179 | $109 | -5% |
Average Car Insurance Costs in Carrollton and Texas
Texas residents spend $61 a month on minimum coverage and $139 for full coverage on average. Carrollton runs higher on both counts: $92 a month for minimum coverage, $193 for full coverage.
State Farm still has the city's lowest minimum rate at $55, though most drivers end up paying more, driven by traffic congestion, accident frequency and local risk patterns.
Vehicle theft hits Carrollton more often than it hits rural parts of the state. Local regulations sometimes add required coverage on top of that, pushing costs even higher.
These urban factors together explain why Carrollton sits well above the statewide average. A driver who shops around with multiple insurers finds the most competitive rate available.
Note: Texas allows insurers to consider credit scores, driving record, and location when determining rates, subject to state regulations.
Data filtered by:
Full Coverage
| $193 | $139 |
Read More: The cheapest car insurance in Texas
Cheapest Carrollton Car Insurance by Age
Age groups in Carrollton show a striking spread in car insurance costs: young drivers average $344 a month, adults pay $153, and seniors pay $189. Limited driving experience and a higher accident rate explain why young drivers pay so much more than every other group.
Cheapest Carrollton car insurance by age:
- Young drivers: State Farm at $266 per month
- Adult drivers: State Farm at $116 per month
- Senior drivers: State Farm at $133 per month
Experience outweighs age once a driver has enough of it. A modest gap between adult and senior premiums is all that separates a 40-year-old from a 70-year-old in an insurer's calculation.
Cheapest Car Insurance in Carrollton for Young Drivers
Young drivers in Carrollton pay the highest insurance costs in the city, averaging $344 a month against just $153 for adults. State Farm has the most affordable option among them at $266 a month, or $3,195 a year, for full coverage.
Insurers charge these higher rates because drivers ages 16 to 25 lack experience and have higher accident rates and more traffic violations than any other age group.
Shopping around saves young Carrollton drivers $185 monthly by choosing State Farm over Allstate at $451 monthly. Adding a young driver to your family policy beats getting them standalone coverage, but expect rates to stay high until age 25.
Note: Teen drivers under 18 may need to meet additional state licensing requirements and parental consent obligations that can affect coverage options and rates.
| State Farm | $266 | $3,195 |
| Geico | $270 | $3,242 |
| AAA | $359 | $4,312 |
| Germania Insurance | $373 | $4,478 |
| Allstate | $451 | $5,415 |
Cheapest Car Insurance in Carrollton for Senior Drivers
Carrollton seniors average $189 monthly across the top five insurers, just $36 above the $153 that adults often pay. Their decades of driving experience and clean records help keep premiums competitive, though some insurers raise rates slightly for drivers over 70 due to reaction time concerns. State Farm offers the most affordable coverage at $133 monthly or $1,593 annually for full coverage.
Shopping around pays off since Progressive charges $230 monthly, meaning seniors save $97 by choosing State Farm instead. Defensive driving courses and low-mileage discounts for driving under 7,500 miles annually can reduce rates even further.
| State Farm | $133 | $1,593 |
| Geico | $179 | $2,147 |
| Germania Insurance | $198 | $2,374 |
| AAA | $205 | $2,460 |
| Progressive | $230 | $2,760 |
Cheapest Car Insurance in Carrollton for Adult Drivers
Drivers between 26 and 64 get Carrollton's most affordable insurance rates because they blend years of road experience with lower accident rates than younger or older groups. State Farm leads with $116 monthly or $1,396 annually for full coverage, while the average across Carrollton's five cheapest insurers hits $153 monthly. This age group consistently pays less than any other category in the city.
State Farm over Progressive ($179, the fifth cheapest option) saves an adult driver $63 a month. A clean driving record and a bundled policy both open up further savings on top of that.
| State Farm | $116 | $1,396 |
| Geico | $145 | $1,737 |
| AAA | $157 | $1,880 |
| Mercury Insurance | $170 | $2,034 |
| Progressive | $179 | $2,146 |
Cheapest Carrollton Car Insurance for Drivers With a DUI, Accident or Speeding Ticket
Violations push insurance costs up across Carrollton, and State Farm stays the most affordable option regardless of driver category. $55 a month covers minimum liability at State Farm whether the record is clean or carries a speeding ticket. A DUI changes that: rates jump to $90 a month. Across the five cheapest insurers generally, average monthly premiums climb in step with violation severity: $78 clean record, $93 speeding ticket, $99 at-fault accident, $113 DUI.
At-fault accidents push premiums higher because you've caused actual property damage or injuries, making insurers view you as a proven risk. DUIs trigger the largest increases since they combine reckless behavior with serious legal consequences, placing you in the highest-risk category and often requiring SR-22 paperwork for license reinstatement.
Data filtered by:
DUI
| State Farm | $90 | $1,075 |
| Farmers | $111 | $1,337 |
| Mercury Insurance | $112 | $1,342 |
| AAA | $126 | $1,510 |
| Progressive | $126 | $1,512 |
Carrollton Car Insurance Costs by ZIP Code
The cheapest ZIP code in Carrollton is 75007 at just $71 monthly, while the most expensive is 75006 at $211. Location has a big impact on your car insurance costs. See your ZIP code's rate in the table below.
Carrollton's most populated areas are ZIP codes 75006, 75007 and 75010, where drivers pay $211, $165 and $204 monthly for minimum coverage. These rate differences come from neighborhood factors like accident frequency, car theft rates, population density and the percentage of uninsured drivers. Use the filter above the table to locate your ZIP and check your area's typical rate.
Data filtered by:
75006
| 75006 | $105 | $211 |
How to Get the Best Cheap Carrollton Car Insurance
Finding competitive rates and proper coverage in Carrollton starts with knowing which insurers offer the best value for your specific needs.
- 1Know Your Coverage Needs
The car insurance coverage needs calculator determines the right amount of coverage for a specific situation and budget in Carrollton.
- 2Explore Different Coverage Types
Several types of car insurance exist in Carrollton, each suited to a different driving pattern. Pay-per-mile fits infrequent drivers well. Non-owner coverage fits an occasional borrower instead.
- 3Check Average Costs in Your Area
Check typical average vehicle insurance costs for a specific Carrollton neighborhood, since rates vary block by block. A ZIP-code-specific number is what actually supports accurate budgeting.
- 4Find All Available Discounts
Every car insurance discount opportunity deserves a look. Bundling multiple policies or picking up multi-car discounts both cut costs directly. Safe driver, student and anti-theft discounts add further savings on top.
- 5Research Insurance Company Ratings
Insurer reviews and financial stability both deserve research before choosing a company in Carrollton. Strong financial ratings mean claims actually get paid. Customer reviews show the service quality to expect on top of that.
- 6Get Quotes from Multiple Insurers
Get quotes from at least three insurers to compare rates and coverage options directly. Prices vary between companies for identical coverage, and shopping around is exactly what surfaces the best deal.
- 7Review Your Policy Annually
Schedule an annual policy review to stay competitive with current market rates. Insurance needs and available discounts both change over time, and a yearly evaluation is what keeps those savings coming.
Cheap Carrollton Car Insurance: FAQ
Want to find affordable coverage in Carrollton? This FAQ offers clear answers about available discounts, state regulations and policy options to help you find coverage that fits your budget.
State Farm leads Carrollton drivers with the most affordable minimum coverage at $660 annually and full coverage at $1,396 annually. Since personal factors like driving record and credit score affect your rates, shop around for quotes from multiple companies.
State Farm ranks first among Carrollton's car insurance providers, achieving a MoneyGeek score of 95 and outpacing GEICO by five points. The company performs well in affordability and customer experience.
Car insurance in Carrollton averages $1,104 annually for minimum coverage and $2,316 for full coverage. Your actual premiums depend on your driving record, age and other personal factors.
Yes, Carrollton has expensive car insurance, placing 1449th for minimum coverage and 1285th for full coverage affordability among Texas cities.
How We Figured Out the Cheapest Car Insurance in Carrollton, TX
Carrollton drivers pay some of Texas's highest car insurance rates, with premiums varying across the city's ZIP codes. We designed our research to find insurers offering the best rates for Carrollton's unique urban driving conditions. Read more on MoneyGeek's auto insurance analysis methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident expert in insurance and economics. He has spent nearly a decade covering the market, first at LendingTree and now at MoneyGeek, where he analyzes hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
His work has appeared in The Washington Post, The New York Times and NPR. He draws on independent cost and consumer experience data, and no insurance company partnerships influence his recommendations.
Mark studied at Boston College before earning a master's in economics and international relations from Johns Hopkins University. Before MoneyGeek, he worked in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.