Carrollton drivers pay an average of $152 monthly for full coverage car insurance. Rates can vary widely, from as low as $145 to as high as $451, depending on the policy and individual factors. To help drivers understand what they might pay, the table below shows average car insurance costs for various driver profiles in the area.
Carrollton, TX, Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Grand Rapids: Key Takeaways
In Texas, the cheapest car insurance providers include Texas Farm Bureau, State Farm, Mercury and Progressive. These companies offer competitive rates for various driver profiles, ensuring affordable options for residents.
Texas Farm Bureau stands out as the most affordable car insurance provider in the Lone Star State, offering rates of $40 per month for minimum coverage and $83 for full coverage.
On average, Texans pay $74 per month for minimum coverage and $152 for full coverage. However, these rates can change based on factors like age, driving history, and credit score.
Car Insurance Quotes in Carrollton, TX
| Young Drivers | $99 | $199 |
| Teens | No Data | $451 |
| Seniors | $76 | $146 |
| Drivers With a Speeding Ticket | $89 | $183 |
| Drivers With a DUI | $116 | $224 |
| Drivers With An Accident | $127 | $249 |
| Bad Credit | $131 | $273 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Carrollton vs. State Average
Texas
State Average Full Coverage Rate
$1,705
Carrollton, TX
City Average Full Coverage Rate
$1,832More:$127 more
This is 7% more expensive.
What Is the Average Car Insurance Rate in Carrollton?
The average cost of full coverage car insurance in Carrollton is $1,832 per year, while the minimum coverage costs $900 annually. These rates are higher compared to the Texas averages, where full coverage is $1,705 and minimum coverage is $816. Understanding these differences can help residents make informed decisions.
| State Average | $816 | $1,705 |
| Carrollton Average | $900 | $1,832 |
Cheapest Car Insurance Companies in Carrollton
While premiums may be rising across the Lone Star State, you can still find affordable car insurance in Carrollton. Texas Farm Bureau offers the cheapest minimum coverage at just $40 per month. For full coverage, Texas Farm Bureau also provides the best rate at $83 monthly.
WHY CAR INSURANCE IN CARROLLTON IS EXPENSIVE
Car insurance is expensive in Carrollton due to factors like high traffic and frequent claims. The city ranks high in Texas for costly insurance. Statewide issues like many uninsured drivers, lawsuits, and fraud also drive up prices.
Cheap Car Insurance in Carrollton
Texas Farm Bureau often offers the cheapest car insurance, but rates vary for each driver. The best way to find affordable insurance is to get quotes from several providers. Below is a table showing the cheapest rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $40 |
| Texas Farm Bureau | Full Coverage | $83 |
| State Farm | Teens | $216 |
| Texas Farm Bureau | Young Adults | $76 |
| Texas Farm Bureau | Seniors | $52 |
| Mercury | Bad Credit | $134 |
| Progressive | Drivers With a DUI | $93 |
| State Farm | Drivers With An Accident | $82 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $61 |
Car Insurance Rates in Carrollton by Company
Every car insurance company has different prices. To find the cheapest in Carrollton, compare many providers. Below, we show the most affordable options for minimum coverage and full coverage insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Carrollton
Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $40 per month, followed by State Farm at $41. For a detailed breakdown of the cheapest options, see the table below.
| Texas Farm Bureau | $40 | $35 |
| Mercury | $40 | $34 |
| State Farm | $41 | $33 |
| Progressive | $54 | $20 |
| AAA Texas | $61 | $14 |
| National General | $63 | $11 |
| GEICO | $69 | $5 |
| Allstate | $74 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Carrollton
Texas Farm Bureau offers the cheapest full coverage car insurance in Carrollton at $83 per month. Explore the full list of providers below to find the best option for you.
| AAA Texas | $31 |
| Allstate | $11 |
| GEICO | $27 |
| Mercury | $12 |
| National General | $22 |
| Progressive | $45 |
| State Farm | $64 |
| Texas Farm Bureau | $69 |
Car Insurance Companies in Carrollton
To find the cheapest car insurance in Carrollton, we suggest getting quotes from several companies. Texas Farm Bureau offers the lowest rate at $734 annually, while Chubb is the best-rated provider with a MoneyGeek score of 90. Check the table below for more options to consider.
| Chubb | 90 | $1,448 |
| Mercury | 76 | $1,081 |
| State Farm | 75 | $783 |
| Foremost | 75 | $1,811 |
| AAA Texas | 74 | $1,090 |
| Texas Farm Bureau | 73 | $734 |
| Progressive | 65 | $965 |
| GEICO | 64 | $1,164 |
| Nationwide | 63 | $1,715 |
| Allstate | 61 | $1,288 |
| National General | 52 | $1,156 |
| Dairyland | No Data | $3,162 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Carrollton by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,832 per year for 40-year-olds and $1,756 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,530 | $-1,095 |
| 17 | $3,398 | $-963 |
| 18 | $2,969 | $-534 |
| 19 | $2,520 | $-85 |
| 20 | $2,640 | $-205 |
| 21 | $1,947 | $488 |
| 22 | $1,954 | $481 |
| 23 | $2,027 | $408 |
| 24 | $1,900 | $535 |
| 25 | $2,387 | $-535 |
| 40 | $1,832 | $20 |
| 65 | $1,756 | $96 |
Cheapest Car Insurance for Teens in Carrollton
Nationwide offers the cheapest overall car insurance for teens in Carrollton, with full coverage at $151 per month, saving $107 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.
| Nationwide | $151 | $107 | $378 |
| State Farm | $162 | $96 | $216 |
| GEICO | $186 | $73 | $227 |
| Foremost | $285 | $-27 | $613 |
| Progressive | $298 | $-39 | $801 |
| Allstate | $469 | $-210 | $472 |
**Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.*
Best Car Insurance Rates for Young Drivers in Carrollton
State Farm offers the cheapest minimum coverage for young drivers in Carrollton at $50 per month. For full coverage, Texas Farm Bureau is the most affordable at $102 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| State Farm | Minimum Coverage | $51 |
| Texas Farm Bureau | Full Coverage | $102 |
| Progressive | Bad Credit | $166 |
| Progressive | Drivers With a DUI | $113 |
| State Farm | Drivers With An Accident | $101 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $76 |
Cheapest Car Insurance Companies for Young Drivers in Carrollton
Texas Farm Bureau offers the most affordable auto insurance for young drivers at $76 per month. Other companies with competitive rates include State Farm and Progressive. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $76 | $72 |
| State Farm | $82 | $66 |
| Progressive | $102 | $46 |
| GEICO | $113 | $35 |
| AAA Texas | $116 | $32 |
| National General | $124 | $24 |
| Mercury | $124 | $24 |
| Allstate | $139 | $9 |
**Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.*
Best Car Insurance Rates for Seniors in Carrollton
Texas Farm Bureau and State Farm offer some of the cheapest car insurance rates in the city. However, prices can vary based on many factors. The table below shows affordable providers for different driver and coverage profiles that may better fit you.
| Texas Farm Bureau | Minimum Coverage | $35 |
| Texas Farm Bureau | Full Coverage | $69 |
| Texas Farm Bureau | Bad Credit | $113 |
| Progressive | Drivers With a DUI | $96 |
| State Farm | Drivers With An Accident | $76 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $52 |
Cheapest Car Insurance Companies for Seniors in Carrollton
Texas Farm Bureau offers the cheapest monthly premium for seniors at $52 for both minimum and full coverage. State Farm follows with a rate of $59. Below, explore the top car insurance providers for seniors in Carrollton.
| Texas Farm Bureau | $52 | $59 |
| State Farm | $59 | $51 |
| Progressive | $81 | $29 |
| AAA Texas | $91 | $19 |
| Mercury | $94 | $16 |
| GEICO | $98 | $13 |
| Allstate | $105 | $6 |
| National General | $106 | $5 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Carrollton
In Carrollton, high-risk driver profiles show that both minimum and full coverage rates are lower than the state average. Carrollton's minimum coverage costs $1,317 annually, compared to the state's $1,998. Full coverage in Carrollton is $2,607, while the state average is $3,982. Drivers with bad credit and DUIs pay the most for car insurance, while accidents and speeding tickets have a smaller effect.
| State Average | $1,190 | $2,417 |
| Carrollton Average | $1,317 | $2,607 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers in Carrollton typically consider minor driving incidents like not-at-fault accidents or speeding tickets for several years. However, more severe offenses, such as a DUI, can affect your insurance for a longer period and might require you to obtain an SR-22 car insurance ensuring you meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Carrollton
Mercury offers the cheapest minimum coverage for drivers with a DUI at $690 per year. Progressive provides the most affordable full coverage policy at $1,526 annually. Check out the table below for more low-cost coverage options.
| Progressive | $58 | $127 |
| National General | $79 | $154 |
| State Farm | $80 | $160 |
| Texas Farm Bureau | $92 | $166 |
| Mercury | $58 | $188 |
**Rates are for a 40-year-old driver with good credit and a DUI.*
Cheapest Auto Insurance Rates With an Accident in Carrollton
State Farm, Texas Farm Bureau, and Progressive are the top choices for affordable car insurance if you have an at-fault accident record. Discover more about the cheapest auto insurance after an at-fault accident. Below, find a table listing various providers in Carrollton offering affordable coverage.
| State Farm | $52 | $109 |
| Texas Farm Bureau | $68 | $138 |
| AAA Texas | $91 | $174 |
| Progressive | $83 | $177 |
| Mercury | $87 | $280 |
**Rates are for a 40-year-old driver with good credit an at-fault accident.*
Cheapest Auto Insurance Rates With a Speeding Ticket in Carrollton
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket in Carrollton, offering state minimum coverage at $40 and full coverage at $83 monthly. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| Texas Farm Bureau | $40 | $83 |
| State Farm | $41 | $88 |
| Progressive | $64 | $138 |
| Allstate | $74 | $140 |
| Mercury | $59 | $200 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Carrollton
Mercury offers the most affordable rates for drivers with bad credit in Carrollton, with monthly minimum coverage at $57 and full coverage at $211. See the table below for other affordable options.
| Texas Farm Bureau | $85 | $185 |
| Progressive | $82 | $186 |
| AAA Texas | $94 | $187 |
| Mercury | $57 | $211 |
| National General | $96 | $228 |
**Rates are for a 40-year-old driver with bad credit and no driving violations.*
Minimum Car Insurance Requirements in Carrollton, TX
In the Lone Star State, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
Imagine you're in a fender bender. If the accident costs $20,000 in damages, your minimum coverage takes care of it. But if costs exceed your limits, you pay the difference.
Cheap Car Insurance in Carrollton: Bottom Line
Texas Farm Bureau offers the cheapest car insurance in Carrollton for both minimum and full coverage. No matter your age or credit, you'll find affordable options that fit your budget. Make sure your policy includes Texas's mandatory coverage: $30,000 per person for bodily injury, $60,000 per accident and $25,000 for property damage. Compare providers to secure rates that meet Texas's legal requirements without breaking the bank.
Carrollton Auto Insurance: FAQ
This FAQ section offers quick answers to common questions about finding affordable car insurance options. Discover ways to get the best deals on state minimum coverage without hassle.
What is the cheapest car insurance company in Carrollton, Texas?
Mercury offers the most affordable car insurance in Carrollton, Texas, with monthly rates for state minimum coverage at $40.
What is the best car insurance company in Carrollton, Texas?
Dairyland stands out as the best car insurance company in Carrollton, Texas, with comprehensive options for various drivers' needs.
How much does car insurance cost on average in Carrollton?
The average monthly cost for minimum coverage auto insurance in Carrollton spans from $74 to $130.
Best Cheap Car Insurance in Carrollton: Our Methodology
MoneyGeek conducted an analysis of Carrollton auto insurance prices using data from the Texas Department of Insurance and Financial Services and Quadrant Information Services.
Carrollton Driver Profile
To assess the best and most affordable auto insurance options for Carrollton residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Carrollton
In assessing the car insurance quotes for Carrollton, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:
The minimum coverage requirements in Texas are:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Carrollton
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Carrollton. For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.