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How much is car insurance in Carrollton?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Carrollton are in line with rates across the rest of Texas.
Compared to the national average cost of auto insurance coverage, Carrollton has lower rates. You can expect to pay about $16 less for your policy in Carrollton than in the rest of United States.
Bear in mind that while these are the average car insurance rates for Carrollton, you could end up paying something different. There are a variety of factors that insurance companies consider when determining how much to charge you for insurance. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.
We've analyzed the average rate for Carrollton and broken down the different factors to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It would make sense that older drivers have more driving experience, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement age, your rates may begin to increase again in Carrollton.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay a bit less than male drivers on their monthly premiums, the difference in Carrollton is only about $3 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Carrollton with one accident will pay around $72 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $108 on average.
Regardless of where you live, accidents, tickets, and other driving infractions can greatly increase your premium. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$56|
|15 Years or Older||$61|
In Carrollton, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $60 per month for auto insurance.
SUV drivers will see rates of about $68, while the rates for car owners average out to about $63 a month.
The age of your vehicle has an impact on the cost of your policy as well. Overall, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. In Carrollton, vehicles eight-to-ten years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Overall, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Carrollton as well, where the difference is around $17 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
One other element taken into consideration is your housing status. Renters can expect to pay around $2 a month more than those who own their own home in Carrollton. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Carrollton, TX
Recent trends in car insurance for Carrollton drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.
In Carrollton, auto insurance rates decreased from 2016-2019, when they hit a low of $58. This changed in 2020, when rates started to rise. This pattern has continued through the present, where rates recently reached $68.
How does Carrollton compare to neighboring areas?
Why are car insurance rates in Carrollton different from other areas?
There are a number of factors car insurance companies take into consideration when choosing how much to charge for coverage. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Off-street parking accessibility
- Crime rates
- Number of drivers in the community
- Regional regulations
- Rate of car accidents
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Carrollton?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But hold on! Compare.com does all of that work for you. Just type in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing auto coverage in Carrollton.
Carrollton Insurance FAQs
What factors affect car insurance quotes in Carrollton?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Carrollton different from other neighboring cities?
Parking situations, local laws, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Carrollton?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Carrollton?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Carrollton or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?