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Home » Car insurance » Texas » Cheap Car Insurance Carrollton

Cheap Car Insurance in Carrollton

Lowest Premium

$397 / YEAR

Average Premium

$589 / YEAR

Highest Premium

$767 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Carrollton is around $589 and can go upto $767. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
GEICO$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Carrollton by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Carrollton. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
75006$599
75007$583
75010$576
75234$586

Insurance Agents in Carrollton, TX and Near by

Agents by ZIP code:
  • 0 mi
    A-American Insurance Agency
    2340 E Trinity Mills Rd Ste 300, Carrollton, TX 75006
    (972) 232-2301
  • 0 mi
    Lloyd Segler
    2340 E Trinty Mills Rd Ste 110, Carrollton, TX 75006
    (972) 416-1149
  • 0 mi
    TWFG Insurance Services - Cindy Balsley
    2340 E Trinity Mills Rd Ste 300, Carrollton, TX 75006
    (972) 478-4304
  • 0 mi
    Goosehead Insurance - Doug Crawford
    2340 E Trinity Mills Rd Ste 300, Carrollton, TX 75006
    (972) 478-4310
  • 0 mi
    Hugo Valdes
    2501 N Josey Ln Ste 106, Carrollton, TX 75006
    (972) 242-2755
  • 0 mi
    Ryan Klibert
    2501 N Josey Ln Ste 100, Carrollton, TX 75006
    (972) 446-6601
  • 0 mi
    Bob Walker
    2810 E Trinity Mills Rd Ste 20, Carrollton, TX 75006
    (214) 785-3243
  • 0 mi
    Terri L Holmes
    2810 E Trinity Mills Rd Ste 105, Carrollton, TX 75006
    (972) 416-3272
  • 0 mi
    Texas Insurance Exchange Group
    2020 Embassy Way, Carrollton, TX 75006
    (972) 679-4658
  • 0 mi
    Legacy Insurance Partners
    1205 W Trinity Mills Rd Ste 210, Carrollton, TX 75006
    (972) 999-9090
  • 0 mi
    Altrustica Agency
    1235 S Josey Ln Ste 512, Carrollton, TX 75006
    (972) 245-6663
  • 0 mi
    Paula L Ratliff Agency
    1301 S Elm St, Carrollton, TX 75006
    (214) 890-0904
  • 0 mi
    Baja Auto Insurance
    1910 E Belt Line Rd, Carrollton, TX 75006
    (972) 848-2046
  • 0 mi
    Rex White Insurance Agency
    1101 S Broadway St Ste 250, Carrollton, TX 75006
    (972) 242-7383
  • 0 mi
    Ann Demoya
    1311 E Belt Line Rd Ste 5, Carrollton, TX 75006
    (972) 245-7630
  • 0 mi
    Sean Howey
    1000 E Belt Line Rd # 108, Carrollton, TX 75006
    (972) 999-1266
  • 0 mi
    Megan Toole-Hall
    1000 E Belt Line Rd Ste 230, Carrollton, TX 75006
    (469) 568-2618
  • 0 mi
    Carol Martinez
    1925 E Belt Line Rd Ste 200, Carrollton, TX 75006
    (972) 478-2200
  • 0 mi
    Freeway Insurance
    2100 E Belt Line Rd, Carrollton, TX 75006
    (972) 426-5075
  • 0 mi
    ARCI Insurance
    1925 E Belt Line Rd Ste 102, Carrollton, TX 75006
    (972) 417-2450
  • 0 mi
    C Traylor Insurance Agency
    1925 E Belt Line Rd Ste 514, Carrollton, TX 75006
    (972) 418-6000
  • 0 mi
    A-Max Auto Insurance
    2011 E Belt Line Rd, Carrollton, TX 75006
    (972) 478-2629
  • 0 mi
    Sanchez Insurance & More
    1927 E Belt Line Rd Ste 148, Carrollton, TX 75006
    (972) 820-6901
  • 0 mi
    Steve Vuong
    1212 N Josey Ln Ste 118, Carrollton, TX 75006
    (972) 416-5355
  • 0 mi
    Krystal Smith
    2717 E Belt Line Rd Ste 109, Carrollton, TX 75006
    (972) 416-6666
  • 0 mi
    TWFG Insurance Services - Curtis Caster
    2129 N Josey Ln, Carrollton, TX 75006
    (972) 428-5000
  • 0 mi
    Will Tweed - State Farm Insurance
    2150 N Josey Ln Ste 236, Carrollton, TX 75006
    (972) 242-0393
  • 0 mi
    Judy Flores
    2145 N Josey Ln Ste 210, Carrollton, TX 75006
    (972) 446-5600
  • 0 mi
    Jose Serrano
    2150 N Josey Ln Ste 224, Carrollton, TX 75006
    (469) 294-1411
  • 0 mi
    Kyle Fincham
    2840 Keller Springs Rd Ste 701, Carrollton, TX 75006
    (972) 418-1144
  • 0 mi
    Levy Insurance
    2840 Keller Springs Rd Ste 101, Carrollton, TX 75006
    (972) 418-4999
  • 0 mi
    Texas Giant Insurance
    2548 Dickerson Pkwy Ste 202, Carrollton, TX 75006
    (972) 394-9838
  • 0 mi
    Brian Mahon
    2418 Marsh Ln, Carrollton, TX 75006
    (214) 520-7275
  • 0 mi
    Mike Gonzales
    2418 Marsh Ln Ste 112, Carrollton, TX 75006
    (214) 390-4220
  • 0 mi
    Amin Chagani Agency
    2418 Marsh Ln Ste 112, Carrollton, TX 75006
    (972) 418-7788
  • 1.81 mi
    Mehak Insurance Services
    Po Box 111577, Carrollton, TX 75011
    (213) 674-6888
  • 2.67 mi
    Terrence Purnell
    2727 L B J Fwy # 950, Dallas, TX 75234
    (972) 929-5900
  • 2.67 mi
    Mayberry Insurance Agency
    3030 Lyndon B Johnson Fwy Ste 1388, Dallas, TX 75234
    (972) 243-3313
  • 2.67 mi
    Juan Ardila
    13205 Branch View Ln, Dallas, TX 75234
    (972) 484-3340
  • 2.67 mi
    Martha Reynolds
    2700 Valley View Ln, Dallas, TX 75234
    (972) 241-3231
  • 2.67 mi
    John Janese
    2815 Valley View Ln Ste 222, Dallas, TX 75234
    (972) 535-4990
  • 2.67 mi
    Goosehead Insurance - Joey Bertrand
    2824 Valley View Ln Ste 100, Dallas, TX 75234
    (972) 833-1000
  • 2.67 mi
    Mora and Associates IIS
    13350 Josey Ln Ste B, Dallas, TX 75234
    (972) 243-3800
  • 2.67 mi
    Fiesta Auto Insurance
    2914 Valley View Ln Ste 100, Dallas, TX 75234
    (972) 584-1662
  • 2.67 mi
    Baja Auto Insurance
    2930 Valley View Ln, Dallas, TX 75234
    (817) 854-7016
  • 2.67 mi
    Bertha Martinez
    12200 Ford Rd Ste 193, Dallas, TX 75234
    (972) 243-2350
  • 2.67 mi
    Raman Ahluwalia
    2695 Villa Creek Dr Ste B146, Dallas, TX 75234
    (972) 243-7444
  • 2.67 mi
    Texas Insurance Pro
    2695 Villa Creek Dr Ste 175, Dallas, TX 75234
    (214) 717-4326
  • 2.67 mi
    Sean Howey
    2695 Villa Creek Dr Ste 200, Dallas, TX 75234
    (972) 241-5333
  • 2.67 mi
    Jason Noyes
    2727 Lyndon B Johnson Fwy Ste 100, Dallas, TX 75234
    (972) 769-9136
  • 2.67 mi
    Comparable Insurance Agency
    14500 Josey Ln Ste 101, Dallas, TX 75234
    (972) 247-2811
  • 2.67 mi
    Hanmi Insurance Services
    2828 Forest Ln Ste 1125, Dallas, TX 75234
    (972) 620-0580
  • 2.67 mi
    Kevin Lee & Company
    2828 Forest Ln Ste 2300, Dallas, TX 75234
    (972) 243-0108
  • 2.67 mi
    Lowry's Insurance House
    2828 Forest Ln Ste 1143, Dallas, TX 75234
    (972) 484-1511
  • 2.67 mi
    Bridgette Hundon
    3010 Lbj Fwy Ste 100, Dallas, TX 75234
    (214) 782-9500
  • 2.67 mi
    Independent Insurance Group
    3030 Lyndon B Johnson Fwy Ste 1300, Dallas, TX 75234
    (972) 231-8277
  • 2.67 mi
    A1 Apple Insurance Agency
    3068 Forest Ln Ste 309, Dallas, TX 75234
    (817) 400-7800
  • 2.67 mi
    Payless Insurance Agency
    3068 Forest Ln Ste 309, Dallas, TX 75234
    (972) 243-8030
  • 2.67 mi
    Beam Insurance Agency
    14455 Webb Chapel Rd, Dallas, TX 75234
    (972) 484-4455
  • 2.67 mi
    Anthony McKeel
    14465 Webb Chapel Rd Ste 215, Dallas, TX 75234
    (972) 865-8712
  • 2.67 mi
    Juliana Velez
    14465 Webb Chapel Rd Ste 219, Dallas, TX 75234
    (972) 661-2222
  • 2.67 mi
    Redden Companies
    14465 Webb Chapel Rd Ste 204, Dallas, TX 75234
    (972) 241-2665
  • 2.67 mi
    Stay Kalm
    14465 Webb Chapel Rd Ste 215, Dallas, TX 75234
    (214) 377-0812
  • 2.67 mi
    Ann McBride
    14465 Webb Chapel Rd Ste 205, Dallas, TX 75234
    (972) 241-7766
  • 2.67 mi
    Greenhill Insurance
    11494 Luna Rd Ste 275, Dallas, TX 75234
    (800) 568-8700
  • 2.67 mi
    Dina King
    3452 Forest Ln Ste 300, Dallas, TX 75234
    (214) 357-3292
  • 2.67 mi
    Mike Bussell
    3530 Forest Ln Ste 30, Dallas, TX 75234
    (214) 357-0878
  • 2.67 mi
    Sonia Martinez
    3530 Forest Ln Ste 162, Dallas, TX 75234
    (214) 484-9230
  • 2.67 mi
    Wes Barnes
    3504 Belt Line Rd Ste 105, Dallas, TX 75234
    (972) 239-0300
  • 2.95 mi
    Justin Bigby
    1921 E Hebron Pkwy Ste 110, Carrollton, TX 75007
    (972) 395-1581
  • 2.95 mi
    Enrique Garcia Insurance Agency
    3740 N Josey Ln Ste 214, Carrollton, TX 75007
    (972) 492-0200
  • 2.95 mi
    Jerry Dealey
    3740 N Josey Ln Ste 220, Carrollton, TX 75007
    (972) 820-6600
  • 2.95 mi
    Morris Esfahani
    3730 N Josey Ln Ste 118, Carrollton, TX 75007
    (972) 492-2711
  • 2.95 mi
    Bill Meenan Agency
    1840 E Rosemeade Pkwy, Carrollton, TX 75007
    (972) 394-7970
  • 2.95 mi
    Mike Leonard Insurance Agency
    1930 E Rosemeade Pkwy Ste 215, Carrollton, TX 75007
    (972) 394-2000
  • 2.95 mi
    Scott C Spence Insurance Agency
    1930 E Rosemeade Pkwy Ste 204, Carrollton, TX 75007
    (972) 492-7823
  • 2.95 mi
    Eric McGee
    1930 E Rosemeade Pkwy Ste 209, Carrollton, TX 75007
    (214) 450-3433
  • 2.95 mi
    Jeff Van Matre Insurance Agency
    1930 E Rosemeade Pkwy Ste 211, Carrollton, TX 75007
    (972) 492-8500
  • 2.95 mi
    Robert Wilson
    3630 N Josey Ln Ste 240, Carrollton, TX 75007
    (972) 424-6175
  • 2.95 mi
    Hotchkiss Insurance Agency
    4120 International Pkwy Ste 2000, Carrollton, TX 75007
    (972) 512-7700
  • 2.95 mi
    My Pham
    3030 N Josey Ln Ste 112, Carrollton, TX 75007
    (214) 483-9494
  • 2.95 mi
    Chance Caldwell
    3108 Old Denton Rd Ste 116, Carrollton, TX 75007
    (469) 208-9915
  • 2.95 mi
    Streamless Insurance
    3108 Old Denton Rd Ste 109, Carrollton, TX 75007
    (972) 820-7000
  • 2.95 mi
    Brandon Walters
    3044 Old Denton Rd Ste 310, Carrollton, TX 75007
    (972) 245-2277
  • 2.95 mi
    Kyle Aubry
    3044 Old Denton Rd Ste 315, Carrollton, TX 75007
    (972) 245-5953
  • 2.95 mi
    Spencer Insurance Agency
    2626 N Josey Ln Ste 104, Carrollton, TX 75007
    (972) 242-1756
  • 2.95 mi
    Samuel Chun
    2625 N Josey Ln Ste 102, Carrollton, TX 75007
    (972) 245-2801
  • 2.95 mi
    Christopher Kim
    1028 Mac Arthur Dr Ste 104, Carrollton, TX 75007
    (972) 200-0115
  • 2.95 mi
    Joon Taek Park Agency
    2625 Old Denton Rd Ste 458, Carrollton, TX 75007
    (214) 206-1414
  • 2.95 mi
    Uni Yost
    2625 Old Denton Rd Ste 444, Carrollton, TX 75007
    (972) 246-6663
  • 2.95 mi
    Moon Lee-Barnes
    2625 Old Denton Rd Ste 336, Carrollton, TX 75007
    (972) 416-6803
  • 5.67 mi
    Karim Merchant
    4100 Fairway Dr Ste 420, Carrollton, TX 75010
    (469) 892-0290
  • 5.67 mi
    Mike Bergman
    1609 W Hebron Pkwy Ste 108, Carrollton, TX 75010
    (972) 939-9999
  • 5.67 mi
    TWFG Insurance Services
    4020 Huffines Blvd Ste 118, Carrollton, TX 75010
    (972) 512-3760
  • 5.67 mi
    David Daniel
    1025 W Hebron Pkwy Ste 132, Carrollton, TX 75010
    (972) 492-2559
  • 5.67 mi
    Jorge Serrano
    2425 Parker Rd Bldg 2, Carrollton, TX 75010
    (469) 546-7000
  • 5.67 mi
    Khris Kennedy
    4300 N Josey Ln Ste 102, Carrollton, TX 75010
    (972) 492-8787
  • 5.67 mi
    Cuddigan Group Insurance
    2223 Arbor Creek Dr, Carrollton, TX 75010
    (214) 550-6681
  • 5.67 mi
    David Loerwald
    2400 E Hebron Pkwy, Carrollton, TX 75010
    (972) 306-8100
  • 5.67 mi
    John Bower
    2400 E Hebron Pkwy, Carrollton, TX 75010
    (972) 394-3700
  • 5.67 mi
    Steven Jay Howell Agency
    4020 Huffines Blvd Ste 100, Carrollton, TX 75010
    (972) 428-2450
View all agents ↓

Learn More About Car Insurance in Carrollton, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

https://www.thezebra.com/insurance-news/3698/car-insurance-cover-out-of-state/

References

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.