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Buy Car Insurance in Carrollton, Texas (Jul 2024)

Find the best car insurance rates for Carrollton, TX drivers for your needs by working with the Jerry app to compare quotes.
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Kornelia Drianovski
Editorial Intern
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Jessica Barrett, Senior Car & Insurance Editor
The average annual
car insurance
rates in Carrollton, Texas are $576 for state minimum coverage and $1,420 for full coverage. To find the best coverage for your insurance needs, download the
Jerry
app and start comparing auto insurance quotes today. 

Find cheap car insurance in Carrollton, Texas 

While there are auto insurance companies that tend to offer better deals for some drivers, there will never be a single provider that offers the cheapest rates across the board. 
To find affordable car insurance rates quickly and easily in Carrollton, TX, consider talking to a local insurance agent or working with an
independent online broker
like Jerry.
Here are the steps you need to follow to get auto insurance coverage with Jerry.

1. Download the Jerry app and compare Carrollton quotes

After downloading the app, input your profile information and you’ll get
free quotes
from car insurers in your area.
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Download the Jerry app and set up your driver profile by adding your basic info, household members, and vehicle details.
The more precise you are during sign-up, the more precise your personalized quotes will be.
While paying a visit to a local insurance agency in Carrollton, TX is surely a good option, you’ll typically only have access to a small number of auto insurance companies. As an insurance broker, Jerry partners with 55+ providers, giving you the chance to check rates across a large range of Carrollton carriers.

2. Compare coverage levels and insurance costs

If you’ve added your personal and vehicle information to the app, you’ll automatically receive a list of quotes for varying coverage levels from a range of car insurers. Make sure to compare your available options before signing any policy—this will guarantee that you get the insurance you prefer.
Jerry shows quotes at four different levels of coverage: 
1. Basic: This includes the bare minimum liability insurance required by Texas state law
app screenshot
2. Basic + full coverage: This extends your coverage to include
comprehensive
and
collision
coverage in addition to the mandatory minimum liability coverage
3. Standard: This includes $50k/$100k/$50k liability coverage and full coverage, plus add-ons like uninsured motorist coverage and medical payments
4. Preferred: This includes $100k/$300k/$100k liability coverage and a range of add-ons like rental reimbursement and roadside assistance Most Carrollton drivers choose Standard coverage or a
full coverage
policy with higher liability limits. Note that if you have an outstanding car loan, your policy will need to include collision and comprehensive coverage.  

3. Input your payment information to confirm the policy 

After you find a rate and coverage level that works for you, press “Confirm your rate” and choose a payment method. But make sure you follow up with this step as soon as possible—all quotes are time-sensitive and you could risk losing your rate if you wait too long. 
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Once you see the final price, enter your payment method to buy the policy and activate your coverage.
Although most of Jerry’s partner insurance companies provide same-day coverage, it normally takes between one and three hours to finalize your policy in the app.
After you confirm your new policy and obtain your digital insurance card, activate the app’s automatic reshops feature. Automatic reshopping means that Jerry will show you a list of updated insurance quotes when your policy is up for renewal, when a new local insurance provider joins the app, or if your credit score improves.

The best Carrollton car insurance companies

We spoke with real Carrollton, TX policyholders and asked them to rate their experiences with different car insurance carriers. Here are the companies that stood out.

Progressive Insurance

Years in business: 86 years
Jerry user rating: 4.2 stars
AM Best rating: A+ (Superior)
Average annual full coverage rate with Jerry: $1,603
Progressive is a popular carrier with Carrollton drivers. Progressive boasts above-average ratings in customer service and
offers a plethora of discounts
, such as an option to bundle your car and homeowners insurance.
Read our full Progressive Insurance car insurance review
“Sign up process was super easy online and cut my insurance bill by half of what I was paying. Haven't had any experience with claims yet and hopefully never will. Nonetheless I am satisfied with the switch!” —Anthony, Carrollton, TX

Mercury Insurance

Years in business: 61 years
Jerry user rating: 4.3 stars
AM Best rating: A
Mercury Insurance is known for the affordable rates they offer drivers with violations, along with their special rates designed for teens. Their mechanical breakdown coverage is also a policyholder favorite.
Read our full Mercury Insurance car insurance review
“This is by far the cheapest insurance for full coverage I have ever had. Before when I was with Farmers Insurance I was paying a 164 for liability [...]. I'm paying so much less than that now for full coverage with 2 drivers. Thank you Mercury.” —Meagan, Carrollton, TX

Gainsco

Years in business: 45 years
Average annual full coverage rate with Jerry: $1,594
Average annual minimum coverage rate with Jerry: $677
While Gainsco does face more criticism across a few rating categories, they are known for providing coverage to high-risk drivers and those who fail to qualify for policies with other insurers.
“Gainsco wasted no time getting me a policy that was a perfect fit for me. My favorite part about the company is how thorough they laid out the policy details. No complaints whatsoever!” —Amina, Carrollton, TX
While you might find the cheapest rate from one insurer, your neighbor might not. Weighing your options by meticulously comparing insurance quotes is the best way to find what you’re looking for.

How to lower your auto insurance rates in Carrollton, TX 

Practice defensive driving in high-traffic areas

Due to its elevated population density and thriving tourism industry, Texas reports high levels of serious car accidents each year. As a matter of fact, in 2021, the Texas Department of Transportation (TxDOT) reported that a car accident happens every 57 seconds in the state.1
Here are some of Carrollton, TX accident stats: 
Year
Fatal crashes
Serious crashes
Possible injury crashes
Total crashes
2022
6
36
326
2495
2021
11
31
342
2249
2020
11
32
385
2095
2019
4
32
472
2512
Since the overall rate of accident claims rises in high-traffic metropolitan areas, providers see residents of these places as a higher risk to insure. This means that if you live in a busy area of Carrollton, you could end up paying increased insurance rates.  
A spotless driving history goes a long way in preventing steep insurance rates, so make sure to adopt these defensive driving techniques:
  • Remain alert: Never text and drive and if you ever feel lethargic behind the wheel, pull over to take a break. Always examine the road for hazards, pedestrians, and other vehicles. 
  • Keep a safe following distance: You should drive with at least six seconds of distance between you and the vehicle ahead. If you’re commuting in poor weather conditions, make it even longer. 
  • Remain in your lane: Use the left lane for passing others and avoid frequently changing lanes if you’re on the highway. 
  • Abide by speed limits: Never speed, even if you’re running late. Make time and plan ahead to arrive at your destination safely.
  • Move over for EMS: If you see flashing emergency lights, move over and decrease your speed. Likewise, if you’re passing through a school or work zone, slow down. 

Take precautions during extreme weather events

Texas is known for its storm seasons, so Carrollton drivers need to drive carefully. Here are some common extreme weather scenarios and what you can do to reduce the risk of accidents:
  • Heavy rain: Leave extra space between your vehicle and others. 
  • Severe thunderstorms: Turn on your emergency lights and move to the side of the road. If it’s safe to do so, wait out the storm.  
  • Tornadoes: Don’t attempt to outdrive a tornado; rather, park your vehicle and find shelter immediately–but never hide under a car or bridge. 
  • Flooding: If you see a flooded roadway sign or barricade, turn your car around.

Protect your car from theft

The Dallas-Fort Worth-Arlington region consistently appeared among the top 100 metro areas with the highest rates of auto theft in recent years. According to the National Insurance Crime Bureau’s (NICB), Dallas witnessed an annual average of 26,368 vehicle thefts from 2019 to 2021.
Considering Carrollton's proximity just thirty minutes south of Dallas, drivers in Carrollton should be especially vigilant.
Here are some
NICB-recommended
tips for preventing auto theft:
  • Adopt basic safety precautions: Maintain awareness of your surroundings, secure your doors, and refrain from leaving keys in the car.
  • Select well-lit and populated parking areas: Choose spots visible to pedestrians and surveillance cameras.
  • Keep valuables out of sight: Store personal items in the trunk or take them with you to discourage theft.
  • Integrate a GPS tracking system: Improve the likelihood of quick recovery in case of theft by installing technology that assists authorities in locating your vehicle.
  • Install an anti-theft system: Invest in a reliable car alarm system featuring elements such as motion sensors and loud sirens.

Find a trusted auto repair shop 

If you’re new to Carrollton, finding a mechanic you can trust is a priority. Servicing your vehicle is important because it helps you catch potential issues and prevent accidents before they happen. 
Jerry can assist you in finding a reliable garage or auto repair shop while keeping you on budget:
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The Jerry app can refer you to a reputable local mechanic.
You can also compare different price estimates for common services, such as oil changes and tire rotations.

Research discounts  

One of the simplest ways to lower your monthly premium is by searching for
car insurance discounts
. Check with your insurance provider to see if you qualify for any of the following popular discounts:
  • Bundling: Bundling your home or renters insurance with your auto insurance policy can save you a significant amount of money.
  • Safe driver discounts: Participating in a telematics program that monitors your driving habits could result in car insurance discounts of up to 30%.
  • Payment rewards: Some insurers offer discounts if you pay your premium in full or through your provider’s mobile app.
  • Other driver advantages: If your child is a college student or you have an active membership with certain organizations, you could be eligible for additional discounts. 

Share your policy with your teen

Apart from drivers with
DUIs
or multiple violations,
teen drivers
face some of the highest car insurance rates in the country. As you gradually get more driving experience, your rates will decline. 
In the meantime, parents can help lower costs by adding young household members to their current policies, which also brings the advantage of qualifying for extra car insurance discounts.
Average car insurance rates by age (18-25)
Age
Average annual full coverage rates
18-21
$3,227
22-25
$1,568

Improve your credit score

Insurers view drivers with low credit scores as financial risks, so improving your credit score may be an effective long-term approach to reducing insurance costs.

Methodology 

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states. 
Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle. 
All quote images shown in this article are real auto insurance quotes obtained through the Jerry app for the following profile: 
  • Drivers: 33-year-old female
  • Marital status: Single
  • Location: Carrollton, TX
  • Vehicles: 2018 Ford Focus Se, 35 miles driven daily
  • Driving record: Clean
  • Credit score: 750+
  • Homeowner status: Homeowner
Minimum coverage refers to policies with the following coverage limits:
Full coverage refers to policies that contain at least the minimum liability, plus
personal injury protection (PIP)
,
uninsured/underinsured motorist coverage
, and
comprehensive
and
collision
insurance with
deductibles
of either $500 or $1,000.

Sources

FAQs

Who has the cheapest car insurance in Texas?

There is never a single “cheapest” insurer anywhere. The cost of your premium depends on your personal information, vehicle, selected coverage levels, claims history, and other factors. 
How much is car insurance in Texas per month? 
On average, you’ll pay $53 per month for a minimum coverage policy and $130 for full coverage.

Why is GEICO cheaper?

While GEICO isn’t necessarily always cheaper than other providers, they have a  direct-to-consumer sales model which removes intermediary costs and allows them to operate with fewer local offices and agents. This, in turn, reduces GEICO's overhead costs, allowing them to offer some cost savings to policyholders. 

Does the state of Texas regulate car insurance?

In Texas, the regulatory authority for car insurance is the
Texas Department of Insurance
.

What is the average cost of car insurance per year?

The average annual cost of car insurance in Texas is $1,420 for full coverage or $576 for minimum coverage. Meanwhile, the national average is $1,796 for full coverage and $742 for minimum coverage.

What is the difference between GEICO and Allstate?

GEICO and Allstate are both reputable car insurance companies. To determine
the best auto insurer
for your needs, research customer reviews, review coverage options, and compare premium prices. 

Meet our experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.