bestauto insuranceCarrollton2022Compare the Cheapest Car Insurance Quotes in Carrollton
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.
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Last Updated: 5/16/2022
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Mark Fitzpatrick
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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, GEICO is the best overall company in the city for providing the best rates and customer service.
bestauto insuranceCarrollton2022The Cheapest and Best Car Insurance in Carrollton
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - State Farm
Best Overall - GEICO
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.
While 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. While 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: Farmers at $1,223 per year
To lower your insurance premiums, you need to improve your driving record over time. But, 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
If you’re looking for a provider that balances affordability and service quality, MoneyGeek rated the best car insurance companies in Carrollton. Based on our findings, the top insurers are:
- GEICO: MoneyGeek score of 85 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA was excluded from the ranking despite receiving the highest score. This is because its policies are only available for current and former military members.
To evaluate these companies, MoneyGeek used a scoring system that considers affordability, financial stability and J.D. Power satisfaction rating.
1
USAA
Score:100
2
GEICO
Score:85
3
State Farm
Score:85
4
Auto Club of Southern California Insurance Group
Score:85
5
Allstate
Score:80
6
Progressive
Score:80
7
Nationwide
Score:80
8
Farmers
Score:77.5
9
Liberty Mutual
Score:72.5
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.
Methodology and Assumptions
MoneyGeek’s average premium rates for Carrollton are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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