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

GEICO presents an alternative at $904 annually for minimum coverage. While more expensive than State Farm, GEICO attracts drivers who appreciate its digital-first approach, 24/7 online access and streamlined claims process.

Young drivers in Carrollton pay $1,513 annually with State Farm for minimum coverage. Adult drivers secure the lowest rates at $655 per year with State Farm, a 57% discount compared to younger policyholders.

State Farm charges seniors $768 annually, just a 17% increase over adult rates. Carrollton's moderate senior penalties reflect the suburb's mix of highway and local road driving conditions.

State Farm maintains $655 annual rates for speeding violations in Carrollton, applying no penalty. At-fault accidents trigger moderate increases to $776 annually with State Farm.

DWIs result in the steepest costs at $1,075 per year with State Farm. This 64% increase adds $420 annually, highlighting Texas's strict approach to impaired driving through sustained insurance penalties.

State Farm leads Carrollton's market with the city's lowest premiums and strong customer satisfaction scores. GEICO offers competitive rates alongside robust digital tools for policy management.

Both companies serve Carrollton drivers effectively, with State Farm excelling in affordability and GEICO providing technology-driven insurance solutions.

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.

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.

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.

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.

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.