State Farm offers the lowest car insurance rates in Carrollton, with average annual premiums of $655 for minimum coverage and $1,396 for full coverage. GEICO, AAA and Mercury also provide affordable coverage options in the city.
Car Insurance in Carrollton
Updated: August 7, 2025
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Key Takeaways
The cheapest car insurance companies in Carrollton include State Farm, GEICO and AAA, with rates up to 44% lower than the city average.
Monthly car insurance costs in Carrollton average $193 for full coverage and $92 for minimum coverage.
To get the best cheap auto insurance in Carrollton, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Carrollton?
| State Farm | $55 | $116 | -44% |
| GEICO | $75 | $145 | -27% |
| AAA | $81 | $157 | -22% |
| Mercury | $82 | $170 | -17% |
| Progressive | $109 | $179 | -5% |
Cheapest Carrollton Car Insurance by Category
State Farm offers the cheapest rates for eight driver categories in Carrollton. GEICO provides the most affordable coverage for drivers with bad credit.
| Young Drivers | State Farm | $126 |
| Adult Drivers | State Farm | $55 |
| Senior Drivers | State Farm | $64 |
| Drivers With an Accident | State Farm | $65 |
| Drivers With a DUI | State Farm | $90 |
| Drivers With a Speeding Ticket | State Farm | $55 |
| Drivers With Bad Credit | GEICO | $109 |
| Drivers With Newer Cars | State Farm | $75 |
| Drivers With Old Cars | State Farm | $50 |
Compare the Cheapest Carrollton Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance. Check the table below to find which insurance companies offer the best rates for your specific driver profile.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $55 | $655 | -44% |
| Geico | $75 | $904 | -23% |
| AAA | $81 | $968 | -18% |
| Mercury Insurance | $82 | $982 | -16% |
| Farmers | $98 | $1,179 | 0% |
Best Car Insurance Companies in Carrollton
In Carrollton, the top car insurance companies are State Farm, GEICO, Progressive and AAA. These insurers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 90 | 2 | 6 | 6 |
| Progressive | 90 | 5 | 2 | 2 |
| AAA | 90 | 3 | 4 | 6 |
| Mercury | 90 | 4 | 5 | 4 |
State Farm: Best Overall Value
pros
Strong customer service ratings
Wins in most driver categories
Extensive discount options
cons
Limited coverage add-ons
Higher rates for bad credit drivers
COMPANY HIGHLIGHTS
State Farm ranks as Carrollton's top car insurance provider, offering the most affordable rates across multiple driver categories. The company excels in customer service, making the claims process straightforward and responsive. State Farm proves especially valuable for young drivers, seniors, and those with accidents on their record, consistently offering lower rates than competitors. Their strong local presence means personalized service through dedicated agents.
GEICO: Best for Affordable Coverage
pros
Competitive rates across categories
Easy online quote process
Simple claims filing
cons
Lower customer satisfaction scores
Basic coverage options only
COMPANY HIGHLIGHTS
GEICO stands out as Carrollton's second-best insurer, with particularly strong offerings for drivers with credit challenges. Their online platform makes it easy to manage policies and file claims without agent assistance. While GEICO's customer service ratings fall slightly below State Farm's, they maintain competitive rates and a streamlined insurance experience. Their straightforward approach works well for drivers who prefer handling insurance matters digitally.
How Much Is Car Insurance in Carrollton?
In Carrollton, minimum coverage costs about $92 per month or $1,109 per year, ranking 1449th out of all Texas cities for affordability. Full coverage averages $193 monthly or $2,320 annually, ranking 1285th among Texas cities.
| Full Coverage | $193 | $2,320 |
| Minimum Coverage | $92 | $1,109 |
Carrollton Car Insurance Cost by Category
In Carrollton, monthly coverage costs vary from $84 to $445 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $220 | $433 |
| Adult Drivers | $92 | $193 |
| Senior Drivers | $121 | $235 |
| Drivers With an Accident | $133 | $273 |
| Drivers With a DUI | $147 | $290 |
| Drivers With a Speeding Ticket | $110 | $231 |
| Drivers With Bad Credit | $206 | $445 |
| Drivers With Newer Cars | $114 | $239 |
| Drivers With Old Cars | $84 | $175 |
Carrollton Car Insurance Costs by ZIP Code
In Carrollton, car insurance rates by ZIP code range from $71 to $211 per month. ZIP code 75006 is the most expensive, while 75007 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:75006
| 75006 | $105 | $211 |
Compare Personalized Carrollton Car Insurance Costs
While basic rate breakdowns help, the table below lets you filter Carrollton car insurance rates by your exact combination of age, driving record and other key factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $97 | $1,159 | 42% |
How to Get the Best Cheap Carrollton Car Insurance
Finding affordable car insurance in Carrollton can be challenging with the area's high average rates, but you can lower your costs with the right approach. This step-by-step guide shows you how to get the cheapest car insurance while maintaining good coverage.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need for your situation in Carrollton. Consider your car's value, your savings, and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability.
- 2
Explore different insurance types
Look into various types of car insurance that could save you money. If you drive infrequently, consider pay-per-mile coverage. Don't own a car? A non-owner policy might be your best option.
- 3
Know what others pay
Research average vehicle insurance costs in Carrollton to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Understanding local rates gives you leverage when negotiating with insurance providers.
- 4
Find all possible discounts
Take advantage of every car insurance discount available. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, good student discounts, and payment options can also reduce your premium.
- 5
Check company ratings and reviews
Research insurance companies' financial strength and customer service ratings. Look for providers with strong claims handling records in Carrollton. Read local customer reviews to understand real experiences with filing claims and getting support.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites. Each company uses different factors to set rates, so comparing multiple quotes helps you find the best deal.
- 7
Review your policy yearly
Mark your calendar to review your coverage annually. Life changes like moving within Carrollton, buying a new car, or improving your credit score can qualify you for better rates. Don't stay with the same insurer if you find better deals elsewhere.
Cheapest Car Insurance in Carrollton: Bottom Line
Car insurance rates in Carrollton depend on your driving record, credit score and coverage needs. While State Farm and GEICO consistently offer the lowest average premiums in the area, compare quotes from multiple providers to find your best rate.
Cheap Carrollton Car Insurance: FAQ
Find clear answers about affordable car insurance in Carrollton. Our research helps you choose coverage that fits your budget while meeting your needs. We break down common questions so you can make confident insurance decisions.
What is the cheapest car insurance company in Carrollton, Texas?
State Farm offers the lowest rates in Carrollton, with average annual premiums of $655 for minimum coverage and $1,396 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Carrollton?
State Farm leads Carrollton's car insurance providers with a MoneyGeek score of 95 out of 100, scoring 5 points higher than GEICO. The company delivers excellent customer service and competitive rates.
What is the average cost of car insurance in Carrollton?
In Carrollton, full coverage car insurance costs $2,320 annually, while minimum coverage averages $1,109. Your actual rates will vary based on individual factors.
Is car insurance in Carrollton expensive?
Car insurance in Carrollton costs more than average, ranking 1449th for minimum coverage affordability and 1285th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Carrollton, TX
To help Carrollton drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Carrollton Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Carrollton
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.