With 17.8 million drivers on the road in Texas, drivers face significantly higher risk than in other, less populous states, as well as higher premiums. The average cost of Carrollton auto insurance is $ 600 per year for minimum liability and $ 1,901 per year for full coverage, according to Bankrate’s 2021 study of annual rated premiums. If you are worried about finding affordable coverage, you may want to consider the insurance companies highlighted in this review. According to Bankrate research, these are the best cheap car insurance companies in Carrollton for 2021.
Best Car Insurance Companies in Carrollton
In choosing the best cheap auto insurance in Carrollton, Bankrate took into account specific rate factors that impact insurance costs, such as annual premiums and available coverage options. In addition to the average annual premiums, we’ve also factored in auto 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 took into account not only the cheapest auto insurance companies, but also the best car insurance companies in Texas, as well as the state-specific ratings of JD Power study on auto insurance in the United States in 2021.
|Insurance company||JD Power Score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||832/1000||$ 452||$ 1,345|
|United States of America*||879/1000||$ 461||$ 1,387|
|At national scale||Unclassified||$ 551||$ 1,410|
|State farm||838/1000||$ 608||$ 1,486|
|Allstate||836/1000||$ 624||$ 1,702|
* USAA is not officially ranked by JD Power due to eligibility restrictions
Geico can be a great choice with added protections like emergency roadside assistance, rental reimbursement, and mechanical breakdown insurance. Drivers can also save through additional discounts on vehicle equipment, driving habits, education, memberships and loyalty savings programs.
Geico auto insurance is easy to combine with other types of insurance coverage, such as home, tenant, condo and even boat insurance. Its 24/7/365 customer support is combined with a convenient online and mobile complaints center that allows you to file a complaint and request roadside assistance.
Learn more: Geico Insurance Review
USAA is a leading supplier for customer satisfaction, but is not eligible for official JD Power rankings as it only serves military personnel, veterans, and their immediate family members.
Coverage is comprehensive, with the option to add Roadside Assistance, Rental Reimbursement, and Injury Protection (PIP) coverage. The military can get discounts for maintaining low annual mileage, storing your vehicle on base, and receiving deployment-related discounts. There are other ways to save as well, including special discounts for safe drivers and good students.
Learn more: USAA Insurance Review
At national scale
Nationwide is not rated in the Texas area by JD Power for customer satisfaction, but is rated well in other areas. Accident forgiveness is available, as well as gap coverage and classic auto insurance. The potential discounts on auto insurance include bundled discounts and an evanescent deductible that could potentially lower your deductible for every year of safe driving.
Nationwide also offers two exclusive 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: National Insurance Review
While it’s just average for customer satisfaction, State Farm is a long established business with a wide array of coverage options. She specializes in tailor-made auto insurance, where you can find both coverage for your sports car and auto insurance for the new driver of the household. If you’re driving for a rideshare company like Uber or Lyft, rideshare insurance is also available. Bundled discounts are also available on multiple vehicles or policies.
To help you save extra money, there are two exclusive savings programs that use telematics to potentially help you save: Drive Safe and Save for safe driving and Steer Clear for young drivers under 25 who keep a clean driving record for three years or more. .
Learn more: State agricultural insurance review
Allstate is behind State Farm with below-average customer satisfaction scores from JD Power, but it can still be a great choice for cheap insurance in Carrollton. Allstate’s Drivewise 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, get good grades in school, or buy multiple policies. There are also several potential payment-related discounts, such as full payment, early renewal, and automatic payment withdrawal discounts.
Allstate also offers insurance for rideshare, classic cars and teenage drivers, with custom equipment coverage available, injury protection and a personal umbrella policy for enhanced coverage.
Learn more: Allstate Insurance Review
The cheapest auto insurance in Carrollton
The cheapest auto insurance companies are slightly different for Carrollton. In Carrollton, minimum liability insurance costs $ 600 per year, which is significantly more than the average cost of auto liability 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 auto insurance in the United States, which costs $ 1,674 per month. This is just another reason to consider the cheapest car insurance companies in Carrollton when you need car insurance in Texas.
The companies with the cheapest auto insurance rates don’t always match our picks for the best carriers, but in this case, they do. Geico is the cheapest, with rates starting at $ 452 per year for liability coverage, with the USAA also having average annual rates below $ 500 for minimum coverage. Nationwide costs around $ 550 per year, while State Farm and Allstate’s minimum coverage costs less than $ 625 per year. To help you save money, here are the best average fares from the cheapest carriers in Carrollton.
|Insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
|Geico||$ 452||$ 1,345|
|United States||$ 461||$ 1,387|
|At national scale||$ 551||$ 1,410|
|State farm||$ 608||$ 1,486|
|Allstate||$ 624||$ 1,702|
Carrollton Insurance Requirements
According to Texas auto insurance laws, Carrollton drivers must maintain a minimum amount of auto insurance.
To meet legal requirements, drivers must maintain the minimum amount automobile insurance:
- $ 30,000 civil liability for bodily injury per person
- Liability for bodily injury of $ 60,000 per accident
- $ 25,000 liability for property damage by accident
Drivers have the option to decline in writing Supplemental Personal Injury Protection (PIP) coverage and coverage for uninsured and underinsured motorists. Other ways to meet the legal financial requirement include surety bonds, deposits, and self-insurance.
However, it may be wise to consider more than the minimum amount of coverage. While the cheapest auto insurance in Texas can be tempting, comprehensive coverage will most likely provide better protection if you run into trouble down the road. Car accidents or even a bad storm can cost thousands of dollars in damage, but when you have the right auto insurance coverage, it will help protect you better against financial hardship.
Auto Insurance Discounts in Carrollton
There are several types of auto insurance discounts that insurers offer that you could potentially benefit from:
- Discounts for safe driving
- Discounts for own driving records
- Payment discounts like paperless statements
- Discounts for students with good grades
- Discounts on security features for things like anti-lock brakes and anti-theft systems
Before purchasing a new auto insurance policy, be sure to inquire about the discounts available from your insurance provider.
Frequently Asked Questions
What is the best auto insurance company?
The best auto insurance company is different for everyone because auto insurance premiums are based on personalized factors. Insurers assess rate factors, such as your age, location, credit score, and driving record.
How much does auto insurance cost in Carrollton?
The average annual cost of Carrollton auto insurance is $ 600 for minimum liability and $ 1,901 for full coverage. However, the cost of your auto insurance can vary depending on the coverage you purchase and other rate factors.
How can I lower my car insurance rates in Carrollton?
There are many ways you can potentially reduce your auto insurance, including taking advantage of potential auto insurance discounts from your Carrollton auto insurance providers. Other ways to save include making timely payments, driving prudently, and improving your credit score to show reduced risk.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record, credit and the following comprehensive coverage limits:
- Liability for bodily injury of $ 100,000 per person
- $ 300,000 in civil liability for bodily injury per accident
- Civil liability for property damage of $ 50,000 per accident
- $ 100,000 in bodily injury caused by an uninsured motorist per person
- $ 300,000 in uninsured bodily injury per accident to a motorist
- $ 500 collision deductible
- Global deductible of $ 500
To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our basic profile drivers own a 2019 Toyota Camry, commute five days a week and cover 12,000 miles a year.
These are sample rates and should be used for comparison purposes only.