Carrollton drivers pay an average of $2,706/year — $935 more than the national average. With 1,677 crashes per year and a 2.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $990/year.
(888) 217-6781Estimated full coverage auto insurance rates for Carrollton, TX from top carriers. Rates are adjusted for Carrollton's 1,677 annual crashes, 2.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $900 | $150/mo |
| GEICO | $1,026 | $171/mo |
| Progressive | $1,158 | $193/mo |
| State Farm | $1,265 | $211/mo |
| Allstate | $1,542 | $257/mo |
Estimates based on 2026 rate filings for ZIP 75006. USAA is cheapest at ~$150/mo. Actual rates vary by driver profile and exact Carrollton location.
These Carrollton-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Carrollton, TX. Takes under 2 minutes.
(888) 217-6781Carrollton is a mid-size city in Texas with a population of 133,434. While it avoids the extreme congestion of larger metros, Carrollton has its own risk factors — growing commuter traffic, expanding development, and hurricanes, tornadoes, hail, flooding, extreme heat — that shape local auto insurance rates. Drivers in Carrollton typically pay close to the Texas state average, with significant variation by ZIP code and neighborhood.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Carrollton can swing your premium by hundreds of dollars. Here's how rates compare across Carrollton neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 75009 | Carrollton South Side | $2,578/yr | $215/mo |
| 75010 | Carrollton North Side | $2,592/yr | $216/mo |
| 75014 | Carrollton West Side | $2,638/yr | $220/mo |
| 75016 | Carrollton East Side | $2,775/yr | $231/mo |
| 75006 | Carrollton Downtown/Central | $2,870/yr | $239/mo |
The cheapest ZIP is 75009 (Carrollton South Side) at $2,578/yr. The most expensive is 75006 (Carrollton Downtown/Central) at $2,870/yr — a $292/year difference for the same driver.
Your Carrollton ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Carrollton. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,683/yr | $474/mo | +110% vs avg |
| Young Adult (20-25) | $3,788/yr | $316/mo | +40% vs avg |
| Adult (26-35) | $2,706/yr | $226/mo | 0% vs avg |
| Mid-Career (36-50) | $2,381/yr | $198/mo | -12% vs avg |
| Senior (51-65) | $2,246/yr | $187/mo | -17% vs avg |
| 65+ | $2,408/yr | $201/mo | -11% vs avg |
Teens in Carrollton pay an average of $5,683/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,246/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Carrollton drivers can save up to $990/year. ZIP 75009 (Carrollton South Side) has the lowest rates starting at $2,578/yr.
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