Car Insurance in Carrollton

State Farm charges adult drivers $655 annually for minimum coverage in Carrollton, the lowest rate in this Dallas suburb. Young drivers with State Farm face costs of $1,513 per year, 131% higher than adult rates.

Senior drivers pay $768 annually with State Farm. Drivers with a DWI see premiums jump to $1,075 per year with State Farm, representing a 64% increase over clean-record adults.

Carrollton drivers face substantial rate variations across categories, with young drivers and those with DWIs paying significantly more than clean-record adults.

State Farm offers the best value with minimum coverage at $655 per year. This is 41% lower than the city average of $1,109. State Farm also charges $1,396 per year for full coverage.  

GEICO offers $904 annually for minimum coverage. It attracts drivers who like 24/7 online access and a streamlined claims process.

Young drivers pay $1,513 annually with State Farm for minimum coverage. Adult drivers pay $655 per year with State Farm. State Farm charges seniors $768 annually.

State Farm charges $655 annual rates for speeding violations in Carrollton, applying no penalty. At-fault accidents trigger increases to $776 annually. DWIs result in the steepest costs at $1,075 per year with State Farm. This 64% increase adds $420 annually.

State Farm has the lowest premiums and good customer satisfaction scores. GEICO offers competitive rates and digital tools for policy management.

Carrollton averages $1,109 per year for minimum coverage and $2,320 per year for full coverage. These rates exceed the Texas state average of $807 for minimum coverage.

State Farm's $655 minimum coverage rate falls well below Carrollton's average. This growing Dallas suburb faces higher premiums than rural Texas due to increased traffic density, though rates remain more moderate than central Dallas.

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.

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.

Our step-by-step guide shows you how to get the cheapest car insurance while maintaining good coverage.

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.

We break down common questions so you can make confident insurance decisions.

Carrollton drivers face moderate to high insurance costs influenced by Dallas-Fort Worth metro area traffic congestion, above-average accident frequency along major corridors like I-35E, and suburban growth that pushes premiums higher than rural Texas. 

We collected rate data from the Texas Department of Insurance and Quadrant Information Services, analyzing hundreds of thousands of quotes from 12 companies across every ZIP code in Carrollton. 

We created a sample driver profile: a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, and no claims history. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. We adjusted factors such as age, driving record, credit score, and military affiliation to find the most suitable insurance companies for specific driver profiles.

Texas requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums satisfy legal requirements but leave you financially exposed after serious accidents, especially in a Dallas suburb where medical costs and vehicle values run moderate to high.

For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This level provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled—particularly important given Carrollton's commuter traffic patterns and property crime rates typical of DFW suburbs.

We rated all companies using three weighted categories: 

Affordability (60%), evaluating quotes for various common driver profiles compared to local competition, 

Customer Experience (30%) using sources such as agency reviews on Google, J.D. Power, AM Best, and forums like Reddit to gauge customer sentiment, and 

Coverage Options (10%), considering the number of coverage options a provider offers and the uniqueness of offerings and benefits. This methodology identifies insurers offering genuine value for Carrollton drivers navigating the Dallas-Fort Worth area's complex insurance landscape.