Carrollton, TX Car Insurance

The average monthly cost for car insurance in Carrollton is about $62. For information on policy rates, coverage, and more check out our guide below.
How much can residents of Carrollton expect to pay for their car insurance? How does Carrollton compare to the surrounding area and the rest of Texas? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Carrollton?

Area Average Monthly Car Insurance Premium
Carrollton$62
TX$65
United States$81

Looking at the chart above, you can see that the average monthly price in Carrollton is in line with pricing for the rest of Texas.

Likewise, when compared to the national average, the cost for auto insurance in Carrollton is lower. The average monthly payment in Carrollton is about $19 cheaper than the rate for the rest of the United States.

While these numbers are the average rates for auto insurance in Carrollton, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've broken down average rates for Carrollton to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$114
25-34$55
35-44$56
45-54Not Enough Data
55-64$47
65+$51

The older you are, the more experience you're likely to have on the roads, right? That experience can turn into some real savings when it comes to auto insurance rates. As you can see, 18-24-year-olds pay two times as much as drivers of retirement age.

For every ten years older you get, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may creep back up in Carrollton.

Average Car Insurance Rates by Gender

Gender Average
Male$65
Female$60

In general, female drivers pay less for car insurance than their male counterparts. This is true in Carrollton, where male drivers pay about $5 more per month. As you can see in the chart above, car insurance for women in the area typically costs around $60 each month, while men pay $65 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$71
Multiple Accidents$109
1 Ticket$79
Multiple Tickets$106

Your rates can vary wildly depending on your driving record. Those with clean records can expect to pay less than those with infractions. The rate for drivers in Carrollton with a single accident on their record is about $71 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $79 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$58
2-3 Years$61
4-5 Years$59
6-7 Years$67
8-10 Years$62
11-14 Years$64
15 Years or Older$61

According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Carrollton, with drivers paying around $58 per month for insurance coverage.

Car owners, on the other hand, usually pay around $64 a month, while SUV drivers can expect to pay about $60 per month for auto insurance.

Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Carrollton, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$67
Married$53
Divorced$55
Widowed$46

On average, those who are currently married will pay slightly less for car insurance coverage. This oftentimes is a result of owning multiple vehicles that are on the same policy, something that will often get you a discount.

At a national level, single drivers usually pay more than married couples do for auto insurance. Carrollton follows that pattern, with the difference totaling to around $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$58
Live with parents$103

Another factor taken into consideration is your housing situation. Whether rent your home or own property in Carrollton, you can expect to pay around $58 per month.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your overall costs, depending on your insurance company.

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 picking an insurance policy.

The rates for car insurance in Carrollton had been decreasing from 2017-2019, before steadying out in 2020. Car insurance rates decreased again recently, hitting a low of $49 in 2022.

How does Carrollton compare to neighboring areas?

Why are car insurance rates in Carrollton different from other areas?

There are several factors car insurance companies take into consideration when deciding how much to charge for coverage. Your insurance policy will depend largely on where you park your car and will be influenced by things such as:

  • Road Safety (frequency of car accidents)
  • Amount of drivers in the region
  • Local laws
  • Local crime rates
  • Off-street parking accessibility

You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

Don't worry, Compare.com can handle all of this for you. Just enter your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Carrollton.

Compare the cheapest quotes from dozens of insurance companies

Carrollton 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?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, crime rates, and local laws when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Carrollton?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Carrollton?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Carrollton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes