Car Insurance in Carrollton, Texas
Estimated full coverage in Carrollton runs about $2,030 a year ($169/month) — ▲ +7% versus the Texas average, ranking 21st most expensive of the 57 Texas cities we cover.
Why car insurance in Carrollton costs more than the Texas average
Insurers price by territory, and Carrollton's numbers explain most of the gap. With 135,456 residents on 36.7 square miles, the city's density (3,695 people per square mile) is 5.5 times the density where the typical Texas resident lives (670). The average commute is 24.1 minutes (Texas: 26.7), and 65% of workers drive alone. Together these put our location factor at 1.07× the state baseline for liability and collision.
| Factor | Carrollton | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 3,695 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 24.1 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.9% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 65.1% | — | Share of workers commuting by car. |
| Public transit to work | 0.8% | — | Transit use lowers how much residents drive. |
| Work from home | 21.7% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 3.5% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 89.3 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Carrollton
Rates can change from one ZIP code to the next. Across 3 Carrollton ZIP codes, our full-coverage estimate ranges from $1,975 in 75006 to $2,085 in 75010. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 75007 | 54,646 | 4,590 | 24.9 min | 5.4% | $2,065 | +2% |
| 75006 | 47,807 | 2,800 | 22.5 min | 3.6% | $1,975 | −3% |
| 75010 | 33,326 | 4,892 | 25.8 min | 2.1% | $2,085 | +3% |
Minimum car insurance in Carrollton
Carrollton drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Carrollton at $740 a year, and $1,035 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Carrollton premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Denton County as very high for hail, relatively high for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
2.9% of Carrollton commuters spend an hour or more getting to work, and there are 1.91 vehicles per household. 21.7% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.7 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.8 | Comprehensive; dwelling | |
| Hurricane | 58.4 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 95.7 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 92.7 | Comprehensive; dwelling | |
| Winter weather | 86.2 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Carrollton by driver profile
A clean-record driver in their 50s pays the least in our Carrollton model (about $1,870 for full coverage); an 18-year-old on their own policy pays about $5,585, and a DUI pushes a 30-something to $3,755.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,040 | $2,845 | $5,585 | $465 |
| Young adult (22) | $1,185 | $1,655 | $3,250 | $271 |
| Adult in their 30s | $740 | $1,035 | $2,030 | $169 |
| Adult in their 50s | $680 | $950 | $1,870 | $156 |
| Senior (72) | $830 | $1,160 | $2,275 | $190 |
| 30s, one at-fault accident | $1,075 | $1,500 | $2,945 | $245 |
| 30s, DUI on record | $1,370 | $1,915 | $3,755 | $313 |
Minimum vs. standard vs. full coverage in Carrollton
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $740 | $62 | $610–$875 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,035 | $86 | $850–$1,220 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,030 | $169 | $1,665–$2,395 |
Estimate your premium in Carrollton
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Cheap car insurance in Carrollton: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Carrollton's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $140 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $140 | You're among the 21.7% of Carrollton workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $545 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $995 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $445 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Carrollton
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 51 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Carrollton, our estimates differ by up to $110 a year between neighborhoods.
Car insurance agents near Carrollton, TX
We found 51 insurance offices within about 5 miles of central Carrollton, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Noah B Mcnabb - Farmers Insurance
2625 N Josey Ln, Carrollton, TX 75007 -
Hugo Valdes - Allstate
2501 N Josey Ln, Ste 106, Carrollton, TX 75006 -
Ryan Klibert - State Farm
2501 N Josey Lane, Ste 100, Carrollton, TX 75006 -
My Pham - Farmers Insurance
3030 N Josey Ln, Carrollton, TX 75007 -
iDrive Auto Insurance
3065 North Josey Lane, , TX -
Farmers Insurance
2150 North Josey Lane, , TX -
Jason Brett Taylor - Farmers Insurance
1434 Patton Pl, Carrollton, TX 75007 -
Patrick Crayton - Farmers Insurance
1445 Mac Arthur Dr, Carrollton, TX 75007 -
Yousaf Hassan Alvi - Farmers Insurance
3610 N Josey Ln, Carrollton, TX 75007 -
Robert Wilson - Allstate
3630 N Josey Ln, Ste 240, Carrollton, TX 75007 -
Josh Bradburn - State Farm
3730 N Josey Ln, Suite 101, Carrollton, TX 75007 -
Salman Manji - Farmers Insurance
1911 Old Denton Rd, Carrollton, TX 75006 -
David Daniel - State Farm
1025 W Hebron Pkwy, Suite 132, Carrollton, TX 75010 -
Steve N Vuong - Farmers Insurance
1212 N Josey Ln, Carrollton, TX 75006 -
Megan L Toole - Farmers Insurance
1510 E Belt Line Rd, Carrollton, TX 75006 -
Freeway Insurance
1910 E Beltline Rd, Carrollton, TX 75006 -
State Farm
1100 West Main Street, , TX -
Freeway Insurance
2100 E Beltline Rd, Carrollton, TX 75006 -
Sebastian Cacho - Farmers Insurance
2833 Trinity Sq Dr, Carrollton, TX 75006 -
Kyle Fincham - Farmers Insurance
2840 Keller Spgs Rd, Carrollton, TX 75006 -
Art Obregon - Allstate
1235 S Josey Ln, Ste 512, Carrollton, TX 75006 -
Moon Lee Barnes - State Farm
4116 State Highway 121, Suite 140, Carrollton, TX 75010 -
Karim Merchant - Farmers Insurance
4100 Fairway Dr, Carrollton, TX 75010 -
David Loerwald - State Farm
2400 E Hebron Parkway, Carrollton, TX 75010 -
State Farm
1809 Golden Trail Court, #120, , TX -
Michael David Brock - Farmers Insurance
2560 King Arthur Blvd, Lewisville, TX 75056 -
Gabriela Castro - Farmers Insurance
1507 E Sandy Lk Rd, Coppell, TX 75019 -
Juliana Velez - State Farm
14465 Webb Chapel Rd, Ste 219, Farmers Branch, TX 75234 -
Antonio Gimmillaro - Allstate
3504 Belt Line Rd, Ste 105, Farmers Branch, TX 75234 -
Eric Choi - Farmers Insurance
1420 Valwood Pkwy, Carrollton, TX 75006 -
Aaron Augustine - Allstate
3939 Belt Line Rd, Ste 275, Addison, TX 75001 -
Stali Allport - State Farm
3939 Belt Line Road, Suite 160, Addison, TX 75001 -
Jordan Anthony Payne - Farmers Insurance
3939 Belt Line Rd, Addison, TX 75001 -
Rick Ali - Allstate
860 Hebron Pkwy, Ste 702, Lewisville, TX 75057 -
Zachary Williamson - Allstate
4425 Plano Pkwy, Ste 1001, Carrollton, TX 75010 -
Castaño Insurance Agency
TX -
Sabrina Ames - Farmers Insurance
4425 Plano Pkwy, Carrollton, TX 75010 -
Christopher Jamar Evans - Farmers Insurance
17440 Dallas Pkwy, Dallas, TX 75287 -
Phil Maxey - State Farm
17120 Dallas Pkwy, Ste 120, Dallas, TX 75248 -
Acceptance Auto Insurance
4151 Belt Line Road, #104, Addison, TX 75001
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Carrollton
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,525 | −25% |
| Subaru Outback | Wagon | $1,530 | −25% |
| Tesla Model 3 | Midsize car | $2,115 | +4% |
| Subaru Forester | Small SUV | $1,495 | −26% |
| Honda Civic | Compact car | $2,290 | +13% |
| Toyota Corolla | Compact car | $2,145 | +6% |
| Jeep Wrangler | Midsize SUV | $1,665 | −18% |
| Mazda CX-5 | Small SUV | $1,705 | −16% |
| MINI Cooper | Subcompact car | $1,530 | −25% |
| Tesla Model Y | Midsize SUV | $1,900 | −6% |
Car insurance in nearby Texas cities
- Lewisville $2,030/yr · 6 mi
- Plano $2,065/yr · 10 mi
- Irving $2,040/yr · 10 mi
- Richardson $2,040/yr · 11 mi
- Frisco $2,105/yr · 12 mi
- Southlake $1,955/yr · 15 mi
- Allen $2,120/yr · 16 mi
- Dallas $2,070/yr · 16 mi
- Garland $2,160/yr · 17 mi
- McKinney $2,085/yr · 20 mi
- Denton $1,940/yr · 21 mi
- Grand Prairie $2,080/yr · 22 mi
All Texas cities and state rules · Homeowners insurance in Carrollton
Frequently asked questions
How much is car insurance in Carrollton, TX?
We estimate full coverage in Carrollton at about $2,030 a year ($169 a month) for a driver in their 30s with a clean record, and about $740 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Carrollton more expensive than the Texas average?
Our Carrollton estimate is 7% higher than the statewide figure. The model reflects a population density of 3,695 people per square mile (the typical Texas resident lives at about 670) and an average commute of 24.1 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Carrollton?
Drivers in Carrollton follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Carrollton has the cheapest car insurance?
Among Carrollton's 3 ZIP codes, 75006 has the lowest estimate (about $1,975 a year for full coverage) and 75010 the highest (about $2,085), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Carrollton?
An 18-year-old with their own full-coverage policy would pay around $5,585 a year in Carrollton by our estimate ($2,040 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Carrollton?
Yes. FEMA's National Risk Index rates Denton County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Carrollton?
We list 51 insurance offices in and around Carrollton, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Carrollton and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places