Cheapest Car Insurance in Carrollton (2026)

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.

Texas residents usually spend $61 on minimum coverage and $139 for full coverage each month. Carrollton’s average rates are higher at $92 per month for minimum coverage and $193 for full coverage. 

State Farm still offers the city’s lowest minimum rate at $55, but most drivers pay more due to factors like traffic congestion, accident frequency and local risk patterns.

Vehicle theft occurs more frequently in Carrollton than in rural areas across the state. Local regulations sometimes require additional coverage options that raise costs further. 

These urban factors explain why Carrollton's insurance rates run well above statewide averages. Shopping around with multiple insurers helps drivers find the most competitive rates available.

Note: Texas allows insurers to consider credit scores, driving record, and location when determining rates, subject to state regulations.

Read More: The cheapest car insurance in Texas

The range of car insurance costs across age groups in Carrollton reveals striking differences, with young drivers averaging $344 monthly while adults pay $153 and seniors pay $189. Young drivers pay these high rates because they lack driving experience and have higher accident rates than other age groups.

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

Once drivers establish experience, age matters less in pricing decisions. The modest gap between adult and senior premiums shows insurers treat experienced drivers similarly whether they're 40 or 70 years old.

Carrollton's young drivers pay the highest insurance costs, with premiums averaging $344 monthly compared to just $153 for adults. State Farm delivers the most affordable option at $266 monthly or $3,195 annually 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.

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.

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.

Adults save $63 monthly choosing State Farm over Progressive's $179 rate, the fifth cheapest option. Maintaining clean driving records and bundling policies creates additional opportunities to cut costs.

Violations increase your insurance costs in Carrollton, with State Farm leading as the most affordable option across all driver categories. State Farm charges $55 monthly for minimum liability coverage whether you have a clean record or speeding ticket, while rates jump to $90 monthly for drivers with DUIs. Average monthly premiums across the five cheapest insurers climb from $78 for clean records to $93 for speeding tickets, $99 for at-fault accidents and $113 for DUIs.

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.

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.

Finding competitive rates and proper coverage in Carrollton starts with knowing which insurers offer the best value for your specific needs.

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.

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.