Compare Carrollton, TX Car Insurance Rates (2021)

The cheapest Carrollton, TX car insurance company based on average rates is State Farm, but your individual rates can vary based on your age, marital status, credit score, the type of coverage you choose, and the kind of card you drive. On average, drivers can expect to pay $123 per month for Carrollton, TX car insurance coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Founder & CFP®

UPDATED: Jun 30, 2021

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Here's what you need to know...

  • The cheapest car insurance company in Carrollton, TX is State Farm.
  • Drivers in Carrollton must carry the Texas minimum auto insurance requirements of 30/60/25.
  • Over 200 cars are stolen per year in Carrollton, which can drive up Carrollton, TX car insurance rates.

Carrollton, TX car insurance rates are right around the national average at $123 per month, but individual rates can vary depending on how old you are, your driving record, and the kind of car you drive. 

Insurance rates for pickup trucks can cost you more, so save money on car insurance in Texas by shopping around and comparing insurance quotes by company. Below you’ll find where to buy Carrollton, TX car insurance and which companies have the cheapest rates.

Ready to find affordable Carrollton, TX car insurance quotes? Enter your ZIP code above to get started with free quotes from local companies.

Monthly Carrollton, TX Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Carrollton, Texas auto insurance rates by ZIP Code below:

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Carrollton, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Carrollton, Texas stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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What is the cheapest car insurance company in Carrollton, TX?

The cheapest Carrollton, TX car insurance company based on average rates is State Farm, followed by USAA.

Who are the best Texas car insurance companies?

Which Carrollton, TX car insurance company has the best rates? And how do those rates compare against the average Texas car insurance company rates? We’ve got the answers below.

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The top car insurance companies in Carrollton, TX ranked cheapest annual rates to most expensive are:

  • State Farm – $2,249.51
  • USAA – $2,596.42
  • GEICO – $3,523.23
  • American Family – $3,335.32
  • Nationwide – $4,094.66
  • Progressive – $4,541.86
  • The General – $5,566.26
  • Allstate – $5,754.33

These annual Texas car insurance rates are just averages. The cheapest company for you will depend on a lot of personal factors, like age, gender, credit score, and marital status. The type of coverage you choose will also impact how much you pay for car insurance.

Carrollton, TX car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Carrollton car insurance rates. Find the cheapest Carrollton, TX car insurance rates by coverage level below:

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Your credit score will play a significant role in your Carrollton car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Carrollton, TX car insurance rates by credit score below.

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Your driving record will play a major role in your Carrollton car insurance rates. For example, other factors aside, a Carrollton, TX DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Carrollton, TX car insurance rates by driving record.

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Factors affecting car insurance rates in Carrollton, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Carrollton, Texas car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. TX does use gender, so check out the average monthly car insurance rates by age and gender in Carrollton, TX.

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What car insurance coverage is required in Carrollton, TX?

Texas state law requires that all drivers must carry car insurance to drive. The minimum auto insurance coverage required is:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident in property damage

Texas is a tort state, and drivers found at fault for auto accidents will be liable for damages. We recommend that you carry more coverage than what’s listed above so you aren’t caught paying for damages out of pocket.

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What affects car insurance rates in Carrollton, TX?

Traffic in Carrollton and how long you spend in your car can play a part in determining your car insurance rates. According to City-Data, the average commute time in Carrollton is 24.8 minutes, which is a few minutes less than the national average. 

Less time on the road means cheaper Carrollton, TX auto insurance rates. Unfortunately, INRX ranks nearby Dallas as the #10 most congested city in the country, and the traffic from the city could impact your rates and drive them up. 

Auto theft will also affect car insurance rates in Carrollton. The FBI reports that 277 vehicles were stolen in Carrollton in one year. If you drive a vehicle that’s more likely to be stolen, you could end up paying more for car insurance. 

Carrollton, TX Car Insurance: The Bottom Line

Carrollton, TX car insurance rates average at $123/mo, which is cheaper than both the national and the Texas state average, but your rates can vary based on what part of the city you live in and the kind of car you drive.

Before you buy Carrollton car insurance, comparison shop online to compare quotes.

Use our free comparison tool below to find affordable Carrollton, TX car insurance companies near you. Enter your ZIP code to get started.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State
Monthly Carrollton, TX Car Insurance Rates by ZIP Code
Carrollton, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Carrollton, TX Car Insurance Rates by Company vs. City Average
Carrollton, TX Car Insurance Rates by Company and Age
The Cheapest Carrollton, TX Car Insurance Rates by Coverage Level
The Cheapest Carrollton, TX Car Insurance Rates by Credit Score
The Cheapest Carrollton, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Carrollton, TX
Average Monthly Car Insurance Rates by Age & Gender in Carrollton, TX
Monthly Carrollton, TX Car Insurance Rates by ZIP Code
Carrollton, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Carrollton, TX Car Insurance Rates by Company vs. City Average
Carrollton, TX Car Insurance Rates by Company and Age
The Cheapest Carrollton, TX Car Insurance Rates by Coverage Level
The Cheapest Carrollton, TX Car Insurance Rates by Credit Score
The Cheapest Carrollton, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Carrollton, TX
Average Monthly Car Insurance Rates by Age & Gender in Carrollton, TX