bestauto insuranceCarrolltonCompare the Cheapest Car Insurance Quotes in Carrollton, TX
In Carrollton, drivers pay an average of $1,324 per year for car insurance. This rate is higher than the state average. The city’s cheapest insurer is Farmers, which offers policies at approximately $829 per year. MoneyGeek analyzed the cheapest providers across different coverage amounts and driving histories. We also evaluated the best companies that balance affordability and quality.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/4/2023
Edited By |
Morgan Hull
Written By |
Mark Fitzpatrick
Farmers offers the cheapest full coverage and state minimum car insurance in Carrollton. State Farm is the most affordable company for drivers with speeding tickets.
If you have a military background, USAA might be the cheapest option for you.
According to MoneyGeek’s research, State Farm is the best overall company in the city for providing the best rates and customer service.
bestauto insuranceCarrolltonThe Cheapest and Best Car Insurance in Carrollton
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - State Farm
Best Overall - State Farm
Methodology
MoneyGeek ranked the best car insurance companies in Carrollton based on user satisfaction, claims, affordability and financial stability data from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
The Cheapest Car Insurance Companies in Carrollton
On average, the cheapest car insurance companies in Carrollton for a full coverage policy are:
- Farmers: $829 per year
- GEICO: $902 per year
For military members, veterans and their families, USAA offers the most affordable options at around $899 per year.
A full coverage policy has both comprehensive and collision insurance. Farmers is up to 230.6% cheaper than The General, which offers the most expensive policy in Carrollton at approximately $2,741 per year. Keep in mind that your rates may change based on the amount of liability insurance you choose.
Cheapest Car Insurance in Carrollton
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$829
- 2.$899
- 3.$902
- 4.$938
- 5.$1,104
In accordance with our methodology, MoneyGeek gathered average car insurance rates in Carrollton for a 40-year-old driver carrying a full coverage policy.
A full coverage policy tends to be more expensive than minimum coverage. However, it provides extra protection since it adds comprehensive and collision insurance to your policy.
- Comprehensive insurance: pays for the repair or replacement of your damaged vehicle due to non-accident incidents
- Collision insurance: pays for the repair or replacement of your damaged vehicle caused by accidents
If the premiums for a full coverage policy cost more than what your older car is worth, consider getting liability-only or state minimum car insurance instead.
Compare Car Insurance Rates in Carrollton
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Carrollton for Minimum Coverage
Minimum coverage is the cheapest car insurance you can buy in Carrollton. On average, the companies with the most affordable rate for this policy are:
- Farmers: $443 per year
- GEICO: $506 per year
For those who belong in a military family, the cheapest option is USAA at roughly $441 per year.
In Carrollton, Farmers coverage is around $822 less than that of The General, with an average annual premium of $1,265.
Although a minimum coverage policy is the cheapest option in the city, it offers less coverage. You risk not being fully protected since this policy lacks comprehensive and collision insurance. You can use the table to see how much it would cost if you set a higher liability coverage limit.
Cheapest Minimum Liability Car Insurance in Carrollton
State Minimum
- CompanyState Minimumper year
- 1.$441
- 2.$443
- 3.$506
- 4.$512
- 5.$566
It’s mandatory for drivers in Carrollton to carry a policy that meets the minimum car insurance requirements in Texas, which are 30/60/25. Although state minimum car insurance is the cheapest option in the city, it offers limited protection. You may even end up paying out of pocket after an accident.
For instance, if you are at fault in an accident where there are $60,000 in medical bills, your provider will only cover $30,000. You’ll have to pay the remaining $30,000 out of pocket.
Texas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Carrollton if You Have Driving Violations
If you have a poor driving record, you may face higher insurance rates. On average, the best insurers for those with driving violations in Carrollton are:
- Cheapest after a ticket: State Farm at $938 per year
- Cheapest after an at-fault accident: State Farm at $1,131 per year
- Cheapest after a DUI: Esurance at $1,214 per year
To lower your insurance premiums, you need to improve your driving record over time. However, for the time being, the best solution is to shop around and determine which insurer can provide the best cheap car insurance after a violation.
Cheapest Car Insurance in Carrollton With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$938
- 2.$1,010
- 3.$1,056
- 4.$1,085
- 5.$1,180
Average Cost of Car Insurance in Carrollton
Carrollton$1,324
Texas$1,316
U.S.$1,424
Car insurance in Carrollton costs an average of $1,324 per year. Drivers in this city pay 0.6% more than the state annual premium average. However, the city rate is 7% cheaper than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Carrollton
Car insurance companies in Carrollton usually consider your age, gender, coverage level, ZIP code and car make and model when determining insurance rates. To find the best options, you need to gather and compare quotes from different providers. This way you can save money.
Compare Car Insurance Rates in Carrollton
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Carrollton
To help you find the best car insurance companies in Carrollton, MoneyGeek scored providers based on their user satisfaction scores, claims and affordability ratings. Based on this analysis, the top car insurance companies in Carrollton are:
- State Farm: MoneyGeek score of 94 out of 100
- Farmers: MoneyGeek score of 93 out of 100
USAA was excluded from this analysis, but it received a MoneyGeek score of 94, tying with State Farm as the top car insurance company in Carrollton. However, only drivers with a military background are eligible for USAA.
1
State Farm
Score:94
State Farm’s car insurance in Carrollton ranks high in customer satisfaction and claims. This insurer also ranks high in affordability at an average cost of $938 per year for a full coverage policy. State Farm’s car insurance comes with unique coverages, including rideshare insurance.
More About State Farm
Drivers in Carrollton who work for rideshare companies can opt to include rideshare insurance in their car insurance policy. This coverage ensures that your medical, emergency roadside assistance and rental car reimbursement remain in effect when you are working for a ridesharing company.
State Farm also offers drivers the standard car insurance coverages, including roadside assistance if your car breaks down and you need towing, gas delivery or other roadside services. Your policy will also come with rental car or travel reimbursement to cover travel expenses incurred when your car is in the garage for repairs.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:93
Farmers car insurance is the most affordable provider in Carrollton at an average premium cost of $829 per year. The provider also received high scores for user satisfaction and claims. Drivers can get unique coverages, including original equipment manufacturer (OEM) coverage.
More About Farmers
If your car is less than ten years old, Farmers offers optional OEM coverage to cover the cost of using only factory-original parts for your car repairs. Farmers car insurance also has optional custom parts and equipment coverage, which can be beneficial to drivers who have installed custom equipment and parts, such as custom sound systems, in their cars.
Drivers in Carrollton can also get glass deductible modification coverage. This allows you to reduce your comprehensive deductible to $100 if the loss or damage is restricted to glass.
Read MoneyGeek's Farmers auto Insurance Review3
GEICO
Score:92
4
AAA
Score:81
5
Allstate
Score:76
6
Nationwide
Score:74
7
Mercury
Score:55
8
Esurance
Score:54
9
MetLife
Score:42
10
The General
Score:0
Average Cost of Car Insurance by Postal Code
Your ZIP code can significantly affect the cost of your car insurance. Insurers tend to consider the number of accidents, car theft incidents and other factors in your neighborhood when calculating your premiums.
In Carrollton, you may pay $103 more for car insurance if you live in the most expensive ZIP code. The area with the cheapest car insurance in the city is 75007, which has an average rate of $1,273 per year. Meanwhile, the most expensive is 75006, with an average rate of $1,376 per year.
- Zip CodeState Minimumper year
- 75007$1,273
- 75006$1,376
Factors That Impact Insurance Costs in Carrollton
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Carrollton. How Carrollton ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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