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.
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.
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.
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.
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.
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.
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
See how the Average Annual Auto Insurance Rates vary with the options chosen.
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?
Above average satisfaction score
Excellent affordability score
Offers common coverage like rideshare insurance, rental car and/or travel expenses and roadside assistance
Below average claims score
Lacks many common coverages
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.
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?
Above average claims management
Above average satisfaction score
Offers original equipment manufacturer (OEM) coverage and diminished value coverage
Lacks many useful coverage
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
Cheapest among insurers, costing around $368 annually
Great score for customer satisfaction
Offers bundling, good student, safe driving and senior driver discounts
Below average claims management
Doesn’t offer paperless or pay in full discounts
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.
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.
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