With 17.8 million drivers on the road in Texas, drivers face a considerably larger risk than in other less-populated states – as well as higher premiums. The average cost of Carrollton car insurance is $600 per year for minimum liability and $1,901 per year for full coverage, according to Bankrate’s 2021 study of quoted annual premiums. If you’re worried about finding affordable coverage then you may want to consider the insurance carriers highlighted in this review. Based on Bankrate’s research, these are the best cheap car insurance companies in Carrollton for 2021.
Best car insurance companies in Carrollton
To pick the best cheap car insurance in Carrollton, Bankrate considered specific rate factors that impact insurance costs, such as annual premiums and available coverage options. In addition to average annual premiums, we also considered car insurance discounts and customer support options.
To find the best car insurance companies in Carrollton, we used premium rate data from Quadrant Information Services. We considered not only the cheapest car insurance companies but also the best car insurance companies in Texas, as well as state-specific ratings from J.D. Power’s 2021 U.S. Auto Insurance Study.
|Insurance company||J.D. Power score||Average annual premium for minimum coverage||Average annual premium for full coverage|
*USAA is not officially ranked by J.D. Power due to eligibility restrictions
Geico may be a great choice with extra protections like emergency roadside assistance, rental reimbursement and mechanical breakdown insurance. Drivers may also be able to save with extra discounts for vehicle equipment, driving habits, education, affiliations and loyalty savings programs.
Geico’s auto insurance is easy to bundle with other types of insurance coverage, such as homeowners, renters, condo and even boat insurance. Its 24/7/365 customer support is combined with a convenient online and mobile claims center that allows you to file a claim and request roadside assistance.
Learn more: Geico Insurance Review
USAA is a leading provider for customer satisfaction but is ineligible for J.D. Power’s official rankings because it solely services the military, veterans and their immediate family members.
Coverage is comprehensive, with the option to add roadside assistance, rental reimbursement and personal injury protection (PIP) coverage. Military members can earn discounts for maintaining a low annual mileage, storing your vehicle on base and deployment-related discounts. There are also other ways to save, including special discounts for safe drivers and good students.
Learn more: USAA Insurance Review
Nationwide is not rated in the Texas region by J.D. Power for customer satisfaction but rates well in other areas. Accident forgiveness is available, as well as gap coverage and classic car insurance. Potential auto insurance discounts include bundle discounts and a Vanishing Deductible that would potentially lower your deductible for each year of safe driving.
Nationwide also offers two signature usage-based programs: Smart Ride, which potentially offers up to 40% off your policy with safe driving, and SmartMiles, which offers a flexible monthly rate for drivers based on mileage.
Learn more: Nationwide Insurance Review
Although it rates just average for customer satisfaction, State Farm is a long-established company with a wide array of coverage options. It specializes in custom car insurance, where you can find both coverage for your sports car and auto insurance for the new driver in the household. If you drive for a ridesharing company like Uber or Lyft, rideshare insurance is available, as well. There are also available bundle discounts on multiple vehicles or policies.
To help with additional savings, there are two exclusive savings programs that utilize telematics to potentially help you save: Drive Safe and Save for safe driving and Steer Clear for young drivers under the age of 25 that keep a clean driving record for three years or more.
Learn more: State Farm Insurance Review
Allstate trails behind State Farm with below-average customer satisfaction scores from J.D. Power, but it can still be a great choice for cheap insurance in Carrollton. Drivewise from Allstate is a telematics-based app that offers discounts based on your safe driving habits. You can also potentially save money when you have a new car, earn good grades in school or purchase multiple policies. There are also several potential payment-related discounts, such as pay-in-full, early renewal and automatic payment withdrawal discounts.
Allstate also offers insurance for ridesharing, classic cars and teen drivers, with available custom equipment coverage, personal injury protection and a personal umbrella policy for upgraded coverage.
Learn more: Allstate Insurance Review
Cheapest car insurance in Carrollton
Differing slightly are the cheapest car insurance companies for Carrollton. In Carrollton, minimum liability insurance costs $600 per year, which is significantly more than the average cost of liability car insurance in Texas, which is $152 per year.
Full coverage in Carrollton is also more expensive at $1,901 per year, compared to the average cost in Texas of $1,823 per year. It is also several hundred dollars more than the average cost of car insurance in the U.S., which costs $1,674 per month. It is just another reason to consider the cheapest car insurance companies in Carrollton when you need Texas car insurance.
The companies with the cheapest car insurance rates do not always match up with our picks for the best carriers, but in this case, they do. Geico is the cheapest, with rates that start at $452 annually for liability coverage, with USAA also averaging annual rates below the $500 mark for minimum coverage. Nationwide costs around $550 per year, while minimum coverage from State Farm and Allstate costs below $625 per year. To help you save, these are the best average rates from the cheapest carriers in Carrollton.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Carrollton insurance requirements
According to Texas car insurance laws, drivers in Carrollton must maintain a minimum amount of auto insurance.
To meet legal requirements, drivers must maintain the following minimum amount of car insurance:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
Drivers have the option of rejecting in writing the additional coverage of personal injury protection (PIP) and uninsured and underinsured motorist coverage. Other ways to satisfy the legal financial requirement include surety bonds, deposits and self-insurance.
However, it may be a good idea to consider more than just the minimum amount of coverage. While the cheapest car insurance in Texas may be tempting, full coverage will most likely provide greater protection should you encounter trouble down the road. Car accidents or even a bad storm could cost thousands of dollars of damage, but when you have the right car insurance coverage it will help to more fully protect you from financial hardship.
Car insurance discounts in Carrollton
There are several types of car insurance discounts that insurance providers offer which you may potentially be able to take advantage of:
- Safe driving discounts
- Discounts for clean driving records
- Payment discounts like paperless statements
- Discounts for students with good grades
- Safety feature discounts for things like anti-lock brakes and anti-theft systems
Before you purchase a new car insurance policy, be sure to ask about which discounts are available from your insurance provider.
Frequently asked questions
What is the best car insurance company?
The best car insurance company is different for everyone because auto insurance premiums are based on personalized factors. Insurance providers weigh rate factors, such as your age, location, credit score and driving record.
How much does car insurance in Carrollton cost?
The average annual cost of Carrollton car insurance is $600 for minimum liability and $1,901 for full coverage. However, the cost of your auto insurance may vary based on the coverage you buy and other rate factors.
How can I lower my car insurance rates in Carrollton?
There are many ways to potentially lower your car insurance, including taking advantage of potential car insurance discounts from your Carrollton auto insurance providers. Other ways to save include making timely payments, practicing safe driving and improving your credit score to show reduced risk.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.