Car insurance in Carrollton, Texas costs an average of $1,158 for a six-month full coverage policy ($193/month). State Farm offers the cheapest full coverage in Carrollton at around $696 per six months ($116/month) — about 40% below the city average. Minimum coverage averages $552 for six months.
- Average 6-month full coverage premium in Carrollton: $1,158
- Cheapest full coverage insurer: State Farm at $696/6 months
- Carrollton rates are slightly above the Texas state average
- Carrollton is one of the safest cities in Texas — lower crime than most DFW suburbs
- Texas requires 30/60/25 minimum liability; PIP ($2,500) is required but can be waived in writing
- Best way to save: compare quotes from 5+ companies and ask about bundling discounts
Carrollton is a thriving suburban city in the Dallas-Fort Worth metroplex, straddling the borders of Dallas, Denton, and Collin counties. With a population of over 136,000 residents across just 37 square miles, it's one of the more densely settled suburbs in North Texas. Commuters heading into Dallas on I-35E and the Tollway pass through Carrollton daily, and the city's tech-industry growth has brought more cars — and more traffic — to its roads in recent years.
Here's the good news: despite its suburban density, Carrollton is one of the safest cities in Texas, with crime rates well below state and national averages. That keeps insurance rates from hitting the heights you'd see in Dallas proper. Here's exactly what you'll pay for car insurance in Carrollton and how to get the best rate.
Carrollton Car Insurance Rates by Company
Rates vary widely among insurers in Carrollton. The following figures are for a representative 35-year-old driver with a clean record and full coverage:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| State Farm Cheapest Full Coverage | $696 | $116 |
| Texas Farm Bureau | $591 | $99 |
| GEICO | $834 | $139 |
| Progressive | $978 | $163 |
| Allstate | $1,146 | $191 |
| Farmers | $1,212 | $202 |
Texas Farm Bureau offers some of the lowest rates in the state, but you must be a Farm Bureau member to qualify (membership costs around $60–$75/year). For most Carrollton drivers, the savings easily offset the membership fee. State Farm is the best non-membership option and earns top marks for customer service in the DFW area.
Average Car Insurance Cost in Carrollton
Carrollton drivers pay a bit more than the Texas state average, which reflects the city's urban density and proximity to Dallas. However, rates here are still below what drivers pay in Dallas or Fort Worth proper, and well below the national average. The city's relatively low crime rate is one factor keeping rates from climbing higher.
| Location | Avg. Monthly (Full Coverage) | Avg. 6-Month (Full Coverage) |
|---|---|---|
| Carrollton, TX | $193 | $1,158 |
| Texas State Average | $118 | $708 |
| National Average | $129 | $774 |
Factors Affecting Car Insurance Rates in Carrollton
Your individual rate depends on your personal profile, but several local factors apply to nearly every Carrollton driver:
DFW Metro Traffic Congestion
Carrollton's location at the convergence of I-35E, the President George Bush Turnpike, and several major state highways means serious traffic volume — particularly during morning and evening rush hours. More cars on the road means more fender-benders and higher accident frequency, which drives up collision coverage costs.
Hail and Severe Weather Risk
North Texas sits squarely in Hail Alley. Carrollton has experienced multiple significant hailstorms in recent years, causing widespread vehicle damage. A single hailstorm can total thousands of cars across a metro area, driving up comprehensive coverage claims — and premiums — for everyone in the region. If you park outdoors, comprehensive coverage isn't optional; it's essential.
Texas ranked among the top states for hail damage claims in 2024. Carrollton drivers without comprehensive coverage can face repair bills of $3,000–$10,000 after a single hailstorm — costs they'd pay entirely out of pocket.
High Uninsured Motorist Rate
Texas has one of the highest uninsured motorist rates in the country — roughly 1 in 8 drivers has no insurance. That means there's a real chance you'll be hit by someone who can't pay for your repairs. Uninsured/underinsured motorist (UM/UIM) coverage is optional in Texas but strongly recommended given this risk.
Carrollton's Safety Advantage
Here's where Carrollton drivers catch a break: the city consistently ranks as one of the safest in Texas. Violent crime rates are 2.84 times lower than the Texas average, and overall crime sits below both state and national averages. Insurance companies factor local crime data into their pricing, so Carrollton's low crime rate helps keep premiums more reasonable compared to other DFW cities.
How to Get Cheap Car Insurance in Carrollton
Compare at Least 5 Quotes
In Carrollton, the spread between the cheapest and most expensive insurer can exceed $500 per six months. Getting quotes from State Farm, GEICO, Progressive, Texas Farm Bureau, and one regional carrier can reveal significant savings.
Bundle Home and Auto
Bundling your homeowners or renters policy with your auto insurance typically saves 10–20%. State Farm and Allstate both offer competitive bundle discounts in the DFW area.
Join Texas Farm Bureau
Texas Farm Bureau consistently offers the lowest rates in Texas. Annual membership costs around $60–$75, but the insurance savings — often hundreds of dollars per year — more than cover it.
Use a Telematics Program
State Farm's Drive Safe & Save and Progressive's Snapshot track your driving habits and can reward low-mileage, careful drivers with discounts up to 30%. If you work from home or don't commute far, these programs can offer significant savings.
Maintain Good Credit
Texas allows insurers to use credit scores as a pricing factor. Improving your credit score from "fair" to "good" can reduce your car insurance premium by 15–25% with many carriers.
Texas Minimum Car Insurance Requirements
Texas is an at-fault (tort) state, meaning the driver who causes an accident is responsible for resulting damages. Texas updated its minimum liability limits in 2026 to 30/60/25 — higher than the previous 30/60/25 standard. Here's what you're required to carry and what's recommended:
| Coverage Type | Texas Minimum | Recommended |
|---|---|---|
| Bodily Injury (per person) | $30,000 | $100,000 |
| Bodily Injury (per accident) | $60,000 | $300,000 |
| Property Damage (per accident) | $25,000 | $100,000 |
| Personal Injury Protection (PIP) | $2,500 (can opt out) | $10,000+ |
| Uninsured/Underinsured Motorist | Not required (offered, can opt out) | Match BI limits |
| Comprehensive & Collision | Not required | Strongly recommended |
Texas requires insurers to offer PIP coverage of at least $2,500, and you must reject it in writing if you don't want it. Given that 1 in 8 Texas drivers is uninsured, adding UM/UIM coverage is highly recommended even though it's not legally required.
Top Insurance Agents in Carrollton, TX
A local agent can help you navigate Texas coverage requirements, find applicable discounts, and make sure you have the right protection for Carrollton's hail risk and traffic conditions. Here are trusted agents serving Carrollton:
Frequently Asked Questions
State Farm offers the cheapest full coverage car insurance in Carrollton at approximately $696 for a six-month policy ($116/month). Texas Farm Bureau can be even cheaper if you're a member, with rates starting around $591 for six months. For minimum coverage only, Direct Auto and Loya Insurance offer the lowest rates in the area.
Carrollton's average rate of $1,158 for six-month full coverage is above the Texas state average but below the national average. The city's location in the DFW metro drives rates up due to traffic volume and hail risk, but Carrollton's low crime rate partially offsets those costs compared to nearby cities like Dallas or Garland.
Texas requires minimum liability coverage of 30/60/25 — $30,000 for bodily injury per person, $60,000 per accident, and $25,000 for property damage. Texas also requires insurers to offer $2,500 in PIP coverage, which you can decline in writing. Uninsured motorist coverage must also be offered but can be rejected.
Texas requires insurers to include $2,500 in Personal Injury Protection (PIP) in every auto policy, but you can reject it by signing a written waiver. PIP covers medical expenses and lost wages for you and your passengers regardless of who caused the accident. Given the high rate of uninsured drivers in Texas, keeping PIP is often a smart choice.
The best strategies include comparing quotes from at least five companies, joining Texas Farm Bureau for member-only discounts, bundling home and auto policies, maintaining a clean driving record, enrolling in a telematics safe-driver program, and keeping your credit score strong. Shopping your rate annually is key, as rates shift regularly.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.