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The best insurer for you will depend on your needs and profile. State Farm is the cheapest option for full coverage, minimum coverage, drivers with accidents, those with tickets and military families. Nationwide is the most affordable for teens, while Mercury is the cheapest for drivers with DUIs. The best company for customer service is Chubb.

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2023

Cheapest and Best Car Insurance in Carrollton

Cheapest Minimum Liability Car Insurance in Carrollton

If you’re in Carrollton, Texas, the cheapest car insurance companies for minimum coverage are the following:

  • State Farm: $368 per year
  • Allstate: $435 per year

On average, Dairyland costs $1,165 per year, making it the most expensive company in Carrollton. The cheapest car insurance company in Texas for minimum coverage is State Farm, at an average of $321 per year. This price difference shows how rates can vary by location.

Company
Annual Premium
Monthly Premium

State Farm

$343

$29

State Farm

$368

$31

Texas Farm Bureau

$414

$35

Allstate

$435

$36

Mercury

$446

$37

Allstate

$446

$37

State Farm

$449

$37

Texas Farm Bureau

$477

$40

Mercury

$485

$40

AAA Texas

$526

$44

Allstate

$546

$45

AAA Texas

$559

$47

GEICO

$571

$48

Mercury

$579

$48

Nationwide

$587

$49

Progressive

$596

$50

GEICO

$600

$50

Progressive

$610

$51

Texas Farm Bureau

$612

$51

Nationwide

$615

$51

Chubb

$645

$54

GEICO

$655

$55

State Farm

$670

$56

AAA Texas

$675

$56

Chubb

$709

$59

Progressive

$718

$60

State Farm

$736

$61

Foremost

$767

$64

National General

$795

$66

National General

$821

$68

Texas Farm Bureau

$823

$69

Nationwide

$832

$69

Allstate

$852

$71

Foremost

$898

$75

Allstate

$922

$77

State Farm

$949

$79

Mercury

$973

$81

GEICO

$980

$82

Nationwide

$988

$82

Texas Farm Bureau

$991

$83

GEICO

$1,000

$83

National General

$1,011

$84

Mercury

$1,024

$85

AAA Texas

$1,053

$88

AAA Texas

$1,053

$88

Foremost

$1,053

$88

Dairyland

$1,131

$94

Dairyland

$1,165

$97

GEICO

$1,171

$98

Nationwide

$1,219

$102

Texas Farm Bureau

$1,223

$102

Allstate

$1,234

$103

Chubb

$1,244

$104

Chubb

$1,262

$105

Mercury

$1,331

$111

AAA Texas

$1,375

$115

Dairyland

$1,384

$115

Chubb

$1,451

$121

Progressive

$1,463

$122

Nationwide

$1,480

$123

Progressive

$1,524

$127

National General

$1,594

$133

Foremost

$1,601

$133

Foremost

$1,718

$143

National General

$1,745

$145

Progressive

$1,906

$159

National General

$1,956

$163

Dairyland

$2,001

$167

Foremost

$2,148

$179

Dairyland

$2,234

$186

Chubb

$2,278

$190

Dairyland

$2,746

$229

A minimum coverage policy in Texas only covers bodily injury liability and property damage liability.

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Liability coverage protects you from paying for damages done to another driver and their vehicle. However, in a major car accident, this may not be enough. If you have $30,000 liability limits for bodily injury liability per person, but the total costs for one person reach $40,000, you may need to pay the excess out-of-pocket.

Cheapest Full Coverage Car Insurance in Carrollton

Based on MoneyGeek’s analysis, the cheapest car insurance companies for full coverage:

  • State Farm: $736 per year
  • Allstate: $922 per year

Dairyland has the most expensive policies in Carrollton, costing an average of $2,234 annually. The cheapest full coverage auto insurance in Texas is State Farm at $699 per year, showing how your location may impact your premiums.

Company
Annual Premium
Monthly Premium

State Farm

$343

$29

State Farm

$368

$31

Texas Farm Bureau

$414

$35

Allstate

$435

$36

Mercury

$446

$37

Allstate

$446

$37

State Farm

$449

$37

Texas Farm Bureau

$477

$40

Mercury

$485

$40

AAA Texas

$526

$44

Allstate

$546

$45

AAA Texas

$559

$47

GEICO

$571

$48

Mercury

$579

$48

Nationwide

$587

$49

Progressive

$596

$50

GEICO

$600

$50

Progressive

$610

$51

Texas Farm Bureau

$612

$51

Nationwide

$615

$51

Chubb

$645

$54

GEICO

$655

$55

State Farm

$670

$56

AAA Texas

$675

$56

Chubb

$709

$59

Progressive

$718

$60

State Farm

$736

$61

Foremost

$767

$64

National General

$795

$66

National General

$821

$68

Texas Farm Bureau

$823

$69

Nationwide

$832

$69

Allstate

$852

$71

Foremost

$898

$75

Allstate

$922

$77

State Farm

$949

$79

Mercury

$973

$81

GEICO

$980

$82

Nationwide

$988

$82

Texas Farm Bureau

$991

$83

GEICO

$1,000

$83

National General

$1,011

$84

Mercury

$1,024

$85

AAA Texas

$1,053

$88

AAA Texas

$1,053

$88

Foremost

$1,053

$88

Dairyland

$1,131

$94

Dairyland

$1,165

$97

GEICO

$1,171

$98

Nationwide

$1,219

$102

Texas Farm Bureau

$1,223

$102

Allstate

$1,234

$103

Chubb

$1,244

$104

Chubb

$1,262

$105

Mercury

$1,331

$111

AAA Texas

$1,375

$115

Dairyland

$1,384

$115

Chubb

$1,451

$121

Progressive

$1,463

$122

Nationwide

$1,480

$123

Progressive

$1,524

$127

National General

$1,594

$133

Foremost

$1,601

$133

Foremost

$1,718

$143

National General

$1,745

$145

Progressive

$1,906

$159

National General

$1,956

$163

Dairyland

$2,001

$167

Foremost

$2,148

$179

Dairyland

$2,234

$186

Chubb

$2,278

$190

Dairyland

$2,746

$229

A full coverage policy contains liability coverage, comprehensive insurance and collision insurance. More specifically,

  • Collision Insurance: Involves any type of damage caused by a collision.
  • Comprehensive Insurance: Any type of damage that does not fall in the category of collision is often covered by this policy.

A full coverage policy is an ideal option for new car owners, but it may not be the choice if you own a vehicle that would cost more to insure than its actual value.

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Cheapest Car Insurance in Carrollton After a Driving Offense

The cheapest car insurance after committing a driving violation in Carrollton include the following:

  • Speeding: State Farm ($736 per year)
  • Accident: State Farm ($916 per year)
  • DUI: Mercury ($1,335 per year)

On average, the most expensive companies include Dairyland at $2,735 after a speeding ticket, Foremost at $3,719 after an at-fault accident and Chubb at $2,848 per year after a DUI.

A driving record will affect your premiums significantly. Even the above-mentioned cheapest companies may still be more expensive than premiums for a clean driver.

Company
Annual Premium
Monthly Premium

State Farm

$343

$29

State Farm

$368

$31

Texas Farm Bureau

$414

$35

Allstate

$435

$36

State Farm

$441

$37

Allstate

$446

$37

State Farm

$449

$37

State Farm

$469

$39

Texas Farm Bureau

$477

$40

Allstate

$546

$45

State Farm

$560

$47

Texas Farm Bureau

$612

$51

Mercury

$626

$52

Mercury

$640

$53

GEICO

$648

$54

Progressive

$659

$55

State Farm

$670

$56

GEICO

$680

$57

State Farm

$683

$57

Nationwide

$696

$58

Chubb

$697

$58

GEICO

$708

$59

AAA Texas

$708

$59

State Farm

$711

$59

Progressive

$715

$60

Progressive

$721

$60

Nationwide

$725

$60

State Farm

$736

$61

Allstate

$746

$62

Mercury

$750

$62

AAA Texas

$752

$63

Texas Farm Bureau

$761

$63

Allstate

$765

$64

Chubb

$765

$64

Mercury

$766

$64

Mercury

$780

$65

Progressive

$784

$65

GEICO

$788

$66

AAA Texas

$795

$66

Allstate

$795

$66

Progressive

$796

$66

State Farm

$802

$67

Mercury

$810

$68

Allstate

$816

$68

Texas Farm Bureau

$818

$68

Texas Farm Bureau

$823

$69

AAA Texas

$834

$70

AAA Texas

$844

$70

State Farm

$846

$70

GEICO

$846

$70

Allstate

$852

$71

Progressive

$860

$72

Foremost

$863

$72

GEICO

$865

$72

AAA Texas

$886

$74

National General

$903

$75

AAA Texas

$907

$76

State Farm

$916

$76

National General

$916

$76

Allstate

$922

$77

Foremost

$924

$77

National General

$932

$78

Allstate

$935

$78

Progressive

$946

$79

State Farm

$949

$79

Texas Farm Bureau

$949

$79

Mercury

$949

$79

Nationwide

$952

$79

National General

$953

$79

Chubb

$964

$80

Nationwide

$984

$82

Texas Farm Bureau

$991

$83

Allstate

$998

$83

GEICO

$1,010

$84

GEICO

$1,011

$84

Foremost

$1,018

$85

AAA Texas

$1,020

$85

Nationwide

$1,022

$85

Progressive

$1,044

$87

Texas Farm Bureau

$1,051

$88

Chubb

$1,059

$88

AAA Texas

$1,070

$89

Texas Farm Bureau

$1,098

$92

Progressive

$1,099

$92

Foremost

$1,099

$92

GEICO

$1,103

$92

Mercury

$1,125

$94

National General

$1,145

$95

National General

$1,147

$96

Dairyland

$1,150

$96

State Farm

$1,151

$96

Foremost

$1,154

$96

GEICO

$1,162

$97

GEICO

$1,164

$97

Dairyland

$1,183

$99

Foremost

$1,215

$101

Texas Farm Bureau

$1,223

$102

Nationwide

$1,225

$102

Nationwide

$1,231

$103

Mercury

$1,231

$103

Allstate

$1,234

$103

National General

$1,247

$104

Chubb

$1,262

$105

Nationwide

$1,263

$105

State Farm

$1,279

$107

GEICO

$1,296

$108

National General

$1,304

$109

Nationwide

$1,327

$111

Mercury

$1,335

$111

Chubb

$1,345

$112

State Farm

$1,350

$112

Chubb

$1,365

$114

AAA Texas

$1,383

$115

Chubb

$1,386

$115

AAA Texas

$1,386

$116

Allstate

$1,395

$116

Dairyland

$1,406

$117

Mercury

$1,406

$117

GEICO

$1,410

$117

Nationwide

$1,426

$119

Texas Farm Bureau

$1,434

$119

GEICO

$1,434

$119

Texas Farm Bureau

$1,442

$120

Allstate

$1,472

$123

Nationwide

$1,472

$123

Allstate

$1,484

$124

National General

$1,494

$125

Dairyland

$1,503

$125

Mercury

$1,516

$126

AAA Texas

$1,536

$128

AAA Texas

$1,543

$129

Allstate

$1,560

$130

GEICO

$1,566

$131

Chubb

$1,569

$131

State Farm

$1,585

$132

AAA Texas

$1,604

$134

Dairyland

$1,608

$134

AAA Texas

$1,613

$134

Texas Farm Bureau

$1,655

$138

Texas Farm Bureau

$1,664

$139

Mercury

$1,672

$139

Dairyland

$1,675

$140

Nationwide

$1,688

$141

Mercury

$1,706

$142

Nationwide

$1,707

$142

Dairyland

$1,715

$143

Progressive

$1,721

$143

Progressive

$1,740

$145

GEICO

$1,763

$147

Mercury

$1,779

$148

AAA Texas

$1,810

$151

Dairyland

$1,823

$152

Foremost

$1,827

$152

Nationwide

$1,832

$153

GEICO

$1,837

$153

GEICO

$1,841

$153

National General

$1,850

$154

Chubb

$1,860

$155

Progressive

$1,869

$156

Chubb

$1,888

$157

Progressive

$1,896

$158

Foremost

$1,930

$161

Foremost

$1,955

$163

Foremost

$1,975

$165

National General

$1,980

$165

Dairyland

$1,987

$166

Texas Farm Bureau

$1,988

$166

Allstate

$1,989

$166

Mercury

$2,010

$168

AAA Texas

$2,014

$168

Dairyland

$2,021

$168

Texas Farm Bureau

$2,052

$171

National General

$2,077

$173

Allstate

$2,094

$174

National General

$2,096

$175

AAA Texas

$2,105

$175

Progressive

$2,121

$177

Nationwide

$2,122

$177

Foremost

$2,126

$177

Chubb

$2,171

$181

National General

$2,214

$185

Nationwide

$2,247

$187

Dairyland

$2,253

$188

Progressive

$2,269

$189

Foremost

$2,298

$192

Nationwide

$2,354

$196

Progressive

$2,382

$199

Foremost

$2,383

$199

Foremost

$2,424

$202

Chubb

$2,436

$203

Chubb

$2,461

$205

National General

$2,463

$205

Progressive

$2,468

$206

Chubb

$2,473

$206

Mercury

$2,475

$206

Mercury

$2,475

$206

Foremost

$2,510

$209

Texas Farm Bureau

$2,514

$209

National General

$2,549

$212

Dairyland

$2,735

$228

Dairyland

$2,739

$228

Dairyland

$2,769

$231

National General

$2,786

$232

Nationwide

$2,810

$234

Progressive

$2,823

$235

National General

$2,827

$236

Chubb

$2,842

$237

Dairyland

$3,089

$257

Dairyland

$3,122

$260

Dairyland

$3,237

$270

Chubb

$3,405

$284

Dairyland

$3,476

$290

Foremost

$3,719

$310

Foremost

$4,339

$362

Foremost

$4,418

$368

Chubb

$4,461

$372

A driving violation is expected to affect your premiums significantly. In Carrollton, a driver with a speeding ticket will pay around $251 more per year for a policy than a driver with a clean record, while someone with a speeding ticket could pay roughly $639 more annually. Shopping around can help you get the cheapest insurance if you have a bad record.

Cheapest Car Insurance in Carrollton for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Carrollton are:

  • Nationwide: female teens at $1,742 per year; male teens at roughly $1,986 per year
  • State Farm: female teens at around $1,912 per year, male teens at $2,312 per year

On average, the most expensive policies come from Allstate at $6,525 per year for female teens and $7,679 per year for male teens. As seen in the $244 price difference from Nationwide, rates are often higher for male teens due to higher perceived risk. The difference usually drops off as teens reach adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$679

$3,203

State Farm

$791

$3,732

State Farm

$812

$4,356

State Farm

$853

$4,020

State Farm

$1,135

$3,848

Nationwide

$1,143

$2,626

Nationwide

$1,156

$2,825

Nationwide

$1,208

$3,525

State Farm

$1,243

$4,613

State Farm

$1,275

$4,320

Nationwide

$1,280

$4,048

Nationwide

$1,286

$2,956

Nationwide

$1,305

$3,299

State Farm

$1,346

$5,329

Nationwide

$1,356

$3,116

Nationwide

$1,366

$3,339

Nationwide

$1,379

$3,776

State Farm

$1,402

$4,753

Nationwide

$1,449

$3,541

State Farm

$1,492

$6,362

State Farm

$1,519

$5,634

State Farm

$1,559

$5,866

GEICO

$1,616

$3,003

Nationwide

$1,623

$5,744

GEICO

$1,633

$3,624

GEICO

$1,636

$2,893

GEICO

$1,656

$3,077

Allstate

$1,656

$2,222

Nationwide

$1,656

$6,752

GEICO

$1,660

$2,934

GEICO

$1,671

$3,622

Nationwide

$1,693

$4,942

GEICO

$1,695

$3,307

State Farm

$1,716

$7,223

GEICO

$1,729

$3,213

GEICO

$1,731

$3,317

Nationwide

$1,742

$7,301

GEICO

$1,751

$3,095

Nationwide

$1,779

$7,254

Allstate

$1,783

$2,290

Nationwide

$1,836

$7,347

State Farm

$1,854

$8,040

State Farm

$1,868

$7,031

Nationwide

$1,887

$8,546

Nationwide

$1,906

$6,030

State Farm

$1,907

$8,028

State Farm

$1,912

$8,889

GEICO

$1,918

$4,853

GEICO

$1,934

$4,294

Nationwide

$1,986

$9,246

GEICO

$1,991

$4,943

Allstate

$2,008

$2,694

GEICO

$2,022

$4,383

Nationwide

$2,029

$9,187

Allstate

$2,040

$3,162

State Farm

$2,076

$9,029

GEICO

$2,081

$5,807

Progressive

$2,101

$3,261

Allstate

$2,141

$2,873

GEICO

$2,168

$5,970

Progressive

$2,184

$5,343

Progressive

$2,187

$3,225

State Farm

$2,304

$10,022

State Farm

$2,312

$11,111

GEICO

$2,320

$6,474

Allstate

$2,342

$3,008

Foremost

$2,362

$3,897

Progressive

$2,375

$5,784

GEICO

$2,383

$7,673

Allstate

$2,392

$3,680

Allstate

$2,418

$3,587

Foremost

$2,427

$3,353

GEICO

$2,454

$6,760

Progressive

$2,493

$3,678

GEICO

$2,522

$8,110

Foremost

$2,545

$3,514

Progressive

$2,545

$3,950

Foremost

$2,555

$3,688

Foremost

$2,578

$3,561

Allstate

$2,580

$3,314

Foremost

$2,609

$4,436

Progressive

$2,611

$7,253

Progressive

$2,632

$4,630

Foremost

$2,637

$3,520

Progressive

$2,672

$5,006

Progressive

$2,684

$6,566

Progressive

$2,709

$3,996

Progressive

$2,816

$4,370

Allstate

$2,827

$4,191

Foremost

$2,834

$3,783

Foremost

$2,888

$4,171

Foremost

$2,955

$3,945

Progressive

$2,957

$8,279

Progressive

$3,097

$7,543

Foremost

$3,117

$10,404

Foremost

$3,206

$10,543

Allstate

$3,215

$5,807

Foremost

$3,249

$10,845

Allstate

$3,312

$4,913

Progressive

$3,318

$14,887

Foremost

$3,373

$11,093

Foremost

$3,457

$6,776

Foremost

$3,491

$6,864

Foremost

$3,678

$15,586

Progressive

$3,693

$16,708

Progressive

$3,707

$17,353

Allstate

$3,793

$6,875

Foremost

$3,827

$6,507

Foremost

$3,831

$16,170

Foremost

$3,902

$6,438

Allstate

$3,914

$5,802

Progressive

$3,937

$17,666

Progressive

$4,078

$19,155

Progressive

$4,309

$19,496

Allstate

$4,921

$6,999

Allstate

$5,786

$8,244

Allstate

$6,026

$8,570

Allstate

$6,525

$12,271

Allstate

$7,085

$10,095

Allstate

$7,679

$14,486

For teens in Carrollton, buying an individual policy can be much more expensive. If you want cheap car insurance for teens, adding them to a parent’s policy is a wise choice.

If a male teen in Carrollton buys their own policy, they may pay around $3,267 per year more than if they were added to a family policy.

Cheapest Car Insurance in Carrollton for Military Drivers

Military drivers in Carrollton can find cheap full coverage car insurance policies from the following companies:

  • State Farm: $736 per year
  • USAA: $906 per year

If you’re looking for a state minimum policy, the same companies, State Farm and USAA, offer the cheapest average rates at $368 per year and $419 per year, respectively.

Company
Annual Premium
Monthly Premium

State Farm

$343

$29

State Farm

$368

$31

Texas Farm Bureau

$414

$35

USAA

$419

$35

Allstate

$435

$36

Mercury

$446

$37

Allstate

$446

$37

USAA

$447

$37

State Farm

$449

$37

Texas Farm Bureau

$477

$40

Mercury

$485

$40

USAA

$504

$42

AAA Texas

$526

$44

Allstate

$546

$45

AAA Texas

$559

$47

GEICO

$571

$48

Mercury

$579

$48

Nationwide

$587

$49

Progressive

$596

$50

GEICO

$600

$50

Progressive

$610

$51

Texas Farm Bureau

$612

$51

Nationwide

$615

$51

Chubb

$645

$54

GEICO

$655

$55

State Farm

$670

$56

AAA Texas

$675

$56

Chubb

$709

$59

Progressive

$718

$60

State Farm

$736

$61

Foremost

$767

$64

National General

$795

$66

National General

$821

$68

Texas Farm Bureau

$823

$69

Nationwide

$832

$69

Allstate

$852

$71

USAA

$893

$74

Foremost

$898

$75

USAA

$906

$75

Allstate

$922

$77

State Farm

$949

$79

Mercury

$973

$81

GEICO

$980

$82

Nationwide

$988

$82

Texas Farm Bureau

$991

$83

GEICO

$1,000

$83

National General

$1,011

$84

Mercury

$1,024

$85

AAA Texas

$1,053

$88

AAA Texas

$1,053

$88

Foremost

$1,053

$88

USAA

$1,102

$92

Dairyland

$1,131

$94

Dairyland

$1,165

$97

GEICO

$1,171

$98

Nationwide

$1,219

$102

Texas Farm Bureau

$1,223

$102

Allstate

$1,234

$103

Chubb

$1,244

$104

Chubb

$1,262

$105

Mercury

$1,331

$111

AAA Texas

$1,375

$115

Dairyland

$1,384

$115

Chubb

$1,451

$121

Progressive

$1,463

$122

Nationwide

$1,480

$123

Progressive

$1,524

$127

National General

$1,594

$133

Foremost

$1,601

$133

Foremost

$1,718

$143

National General

$1,745

$145

Progressive

$1,906

$159

National General

$1,956

$163

Dairyland

$2,001

$167

Foremost

$2,148

$179

Dairyland

$2,234

$186

Chubb

$2,278

$190

Dairyland

$2,746

$229

How to Compare Cheap Carrollton Car Insurance Quotes Online

For Carrollton drivers, getting a car insurance quote online can be daunting. Getting quotes from one insurer could take 15 minutes or more and requires you to provide a lot of personal information.

To simplify this process, MoneyGeek provides a car insurance calculator that can give you a ballpark estimate based on your age, vehicle type, coverage level and driving record.

Auto Insurance Calculator

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Best Car Insurance in Carrollton: Summary

When looking for an insurance policy, drivers in Carrollton should have a budget and coverage needs in mind. The best insurers in the city include:

  • Best overall: State Farm (MoneyGeek score 76 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: State Farm (MoneyGeek score 78 out of 100)

Scores may change based on how factors are weighted in each category. The best overall car insurer in Texas is Texas Farm Bureau Group, indicating that location impacts rankings.

With a score of 81 out of 100, USAA is a great option for military families.

Best Overall Car Insurance in Carrollton

Overall, the best full coverage auto insurance companies in Carrollton include:

  • State Farm: MoneyGeek score of 76 out of 100 ($736 per year)
  • Texas Farm Bureau Group: MoneyGeek score of 76 out of 100 ($991 per year)

State Farm scored highly in affordability and customer satisfaction. These are two of the most critical factors when determining the best overall insurer.

USAA is also worth considering for military families, as it scored 81 out of 100 in our rankings.

How was this MoneyGeek score calculated?

State Farm

pros

Above average satisfaction score

Excellent affordability score

Offers common coverage like rideshare insurance, rental car and/or travel expenses and roadside assistance

cons

Below average claims score

Lacks many common coverages

COMPANY HIGHLIGHTS

State Farm received a rating of 78 out of 100, earning it the title of the best overall car insurance in Carrollton. Its exceptional balance of affordability and customer service contributed to its high score.

Carrollton drivers can select from a list of common coverages, such as rental car and/or travel insurance, rideshare insurance and roadside assistance. If your car breaks down in the middle of the road, roadside assistance coverage will cover mechanical labor for up to an hour at the location of the breakdown. Other services such as locksmithing, towing, gas, oil and tire delivery would be included.

This insurer's complimentary coverage includes rental car and/or travel reimbursement, which you can use when you can't drive your car, such as if it breaks down or is totaled.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Carrollton for Customer Service

MoneyGeek ranked companies with the highest customer satisfaction in Carrollton and removed cost as a factor. The following companies ranked as the best options:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,451 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,601 per year)

Chubb earned an above-average claims management and satisfaction score, indicating that it provides exceptional customer service. Its affordability score is lower, showing that you will pay more for great service.

How was this MoneyGeek score calculated?

Chubb

pros

Above average claims management

Above average satisfaction score

Offers original equipment manufacturer (OEM) coverage and diminished value coverage

cons

Lacks many useful coverage

COMPANY HIGHLIGHTS

Chubb earned a MoneyGeek score of 76 out of 100. Policies from this insurer cost $1,451 per year on average, which is a bit higher than other options in the city. It ranked as the best car insurance for customer service. Chubb earned above-average claims management and customer satisfaction scores. Both of these factors contribute to great customer service.

In addition to offering original equipment manufacturer (OEM) coverage, it also has diminished value coverage and antique/classic car insurance. OEM coverage replaces or repairs your vehicle with original equipment to ensure that your vehicle is running as efficiently as it originally was.

Its rental car reimbursement allows you to rent a car similar to your own. Optional limits of coverage are up to $5,000 with no limit per day.

Best Cheap Car Insurance Companies in Carrollton

Based on MoneyGeek’s analysis of affordability and service quality, the following companies are considered the best cheap car insurance in Carrollton:

  • State Farm: MoneyGeek score 78 out of 100 ($368 per year)
  • Texas Farm Bureau Group: MoneyGeek score 76 out of 100 ($477 per year)

While the minimum coverage limits are enough to get you on the road, they might not be sufficient in case of a major accident. These policies also do not protect you against damages done to you and your vehicle.

How was this MoneyGeek score calculated

State Farm

pros

Cheapest among insurers, costing around $368 annually

Great score for customer satisfaction

Offers bundling, good student, safe driving and senior driver discounts

cons

Below average claims management

Doesn’t offer paperless or pay in full discounts

COMPANY HIGHLIGHTS

State Farm scored 78 out of 100 for the best cheap car insurance in Carrollton, costing about $368 per year.

Beyond State Farm’s affordable rates, the insurer offers policyholders many discounts to save even more money. Its bundling discount allows you to save money if you bundle your car insurance policy with a home, renters or life insurance policy. A good student discount is available to drivers who are in school and maintain a B average.

State Farm’s safe driving discount can help reduce your premiums if you are insured with the company for three years and don’t have an accident. Plus, a senior driver discount is available to policyholders who are senior citizens.

One of the more unique discounts offered by State Farm is the opportunity to save if you have daytime running lamps installed in your car.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in Carrollton

The average annual cost of car insurance in Carrollton is $1,257. This is $57 more expensive than the average cost of car insurance rates in Texas at $1,201 but cheaper than the $1,265 national average cost of car insurance as of October 2022.

These rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability and $100,000 in property damage liability per accident. Location is just one of many factors that can impact your premiums.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.