Carrollton, TX Car Insurance

How much is auto insurance in Carrollton?


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 AUTO INSURANCE RATES
Carrollton Average (per year)Texas AverageNational Average
$1,481$1,415$1,548

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Carrollton auto insurance rates by company


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.


CARROLLTON AUTO INSURANCE RATES BY COMPANY
CompanyAverage Yearly Rate
GEICO$1,274
USAA$1,278
State Farm$1,370
Allstate$2,416

Read our guide to finding the best cheap auto insurance.



Carrollton auto insurance rates by age

The age group that pays the least for car insurance in Carrollton are drivers in their age_50s ($1,287per year). Those in their age_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.


CARROLLTON AUTO INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Annual Rate
Teenagers$3,832
20s$1,932
30s$1,458
40s$1,419
50s$1,287
60s$1,335
70s$1,653

Learn more about how age influences auto insurance rates.



Carrollton car insurance rates by gender and marital status


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.


INSURANCE RATES IN CARROLLTON BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,474
Male$1,481
Single$1,383
Married$1,383
Divorced$1,481
Widowed$1,349

Learn more about how gender and marital status have on car insurance rates.



Carrollton car insurance costs by violation history


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.


CARROLLTON CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage Yearly Rate
DWI/DUI$2,329
Reckless Driving$2,311
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

Get more info on how a bad driving history can impact your car insurance costs.



Carrollton car insurance rates by credit score


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.


CARROLLTON CAR INSURANCE RATES BY CREDIT LEVEL
Credit TierAverage Annual Rate
Very Poor$3,130
Fair$1,845
Good$1,481
Very Good$1,374
Exceptional$1,217

Get additional information on how credit impacts car insurance costs.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.