Explore how to save on auto insurance in Carrollton.
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The typical Carrollton driver pays $1,481 per year for car insurance. That's pricier than the average across Texas ($1,415) and less expensive than the national average of $1,548. Our guide to Carrollton car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
|Carrollton Average (per year)||Texas Average||National Average|
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Carrollton's cheapest rates. We've listed the best cheap car insurance companies in Carrollton below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.
|Company||Average Yearly Rate|
The age group that pays the least for car insurance in Carrollton are drivers in their 50s ($1,287 per year). Those in their 60s don't pay much more ($1,335).
The Carrollton drivers who face the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Carrollton is to age out of your teens. In Carrollton, teenage drivers pay $3,832 — a full $2,498 more than the second-most expensive rate paid by an age group.
|Age||Average Annual Rate|
Marital status and gender can be contributors to car insurance rates, in some cases. Married drivers in Carrollton pay $98 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Carrollton, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. In Carrollton, the gap in auto insurance rates between genders is $7 per year, with male drivers paying more than female drivers.
|Marital Status/Gender||Average Annual Rate|
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Carrollton drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $830 per year versus the city average. A ticket for speeding results in a $126 rate hike, on average, while a DUI violation costs $848per year in insurance premiums.
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$1,892|
|At-fault Accident (damages greater than $2,000)||$2,261|
|Speeding Ticket (16-20 mph over speed limit)||$1,608|
In many cases, a driver's credit level is closely correlated with their auto insurance rates. Carrollton drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Carrollton, improving your credit to "Fair" could help you earn a $1,285 decrease in yearly insurance premiums.
|Credit Tier||Average Annual Rate|
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.