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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 car insurance rates in Carrollton are in line with rates across the rest of Texas.
Compared to the rest of the country, auto insurance in Carrollton is more affordable. The average monthly payment in Carrollton is about $18 less than the rate for the rest of the United States.
Although these are the average rates for auto insurance in Carrollton, it's important to remember that you could end up paying something different. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
But don't worry, we've broken down the average rate for Carrollton residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
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Carrollton Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. As you get closer to retirement age, however, you may see your rates begin to go back up in Carrollton.
Carrollton Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. In Carrollton, the difference is around $6 per month. As illustrated in the table above, female drivers in the area pay about $59 on average, while male drivers pay around $65 each month.
Carrollton Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Carrollton, a driving record with one accident will usually get you a rate around $72 a month. In addition, drivers with one ticket can expect to pay around $78 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Carrollton Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$61|
In Carrollton, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $58 per month for auto insurance.
SUV drivers will see rates of about $60 to insure their car, while car owners by and large pay around $64 a month.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium decrease. In Carrollton, vehicles six-to-seven years old are the most expensive to insure.
Carrollton Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
Generally, married policyholders will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.
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 $15 a month.
Carrollton Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$103|
Another factor taken into consideration is your living accommodations. The average rates for both homeowners and renters in Carrollton are around $58 per month.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Carrollton, TX
Recent trends in car insurance for Carrollton drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before shopping for coverage.
In Carrollton, the rates for auto insurance had been decreasing from 2017-2019, before steadying out in 2020. Insurance rates finished up in 2022, at $59 per month
How does Carrollton compare to neighboring areas?
Why are car insurance rates in Carrollton different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Amount of drivers
- Area laws
- Road Safety (how many accidents each locality has)
- Off-street parking availability
- Local crime rates
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.
How can I find the cheapest car insurance in Carrollton?
While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Carrollton.
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Carrollton Auto Insurance FAQs
What factors affect car insurance quotes in Carrollton?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, address, and marital status.
Why is the cost of car insurance in Carrollton different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Carrollton?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Carrollton?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
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?
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