Carrollton, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Carrollton, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors Influencing the Cost of Car Insurance in Carrollton, TX

The average cost of auto insurance in Carrollton, TX, is $1,477. It is lower than the cost of insurance in neighboring places such as Farmers Branch and Hebron. But, it is higher than the cost of auto insurance in Irving, Lewisville, and Coppell. Several factors can affect the cost of auto insurance in Carrollton. A thorough comparison of different auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.

Some of the factors that could increase the cost of auto insurance are as follows:

Credit Score:

A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance for a driver with an exceptional credit score is as low as $1,267. It increases to $2,008 and $2,409 when the credit score is average or poor.

Deductibles:

This is one of the most common factors influencing the cost of auto insurance in Carrollton, TX. A low deductible ($500) usually increases the cost of auto insurance, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance when the deductible is $500 is $1,117, and it decreases to $943 when the deductible is $1,000.

Age Group:

. The cost of auto insurance is the lowest for drivers in the age groups of fifty and sixty ($1,302 and $1,321).  In contrast, auto insurance for teenagers continues to be high, at $4,793. The cost of auto insurance can vary from one age group to another. It also depends on the neighborhood and the make and model of the vehicle.

DUI:

DUIs can prove to be extremely expensive for car owners in every city of the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Carrollton can be as high as $2,299. 

Driving Violations:

Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Carrollton, TX, mainly because it increases the amount of risk being covered by insurers. Speeding (+ $362) or driving with an expired license (+ $995) can prove to be quite expensive.

Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.

Factors that can influence the cost of car insurance in Carrollton, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Carrollton, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Carrollton, TX with that of other cities in and around Carrollton.

	Carrollton	Farmers Branch	Irving	Lewisville	Hebron	Coppell
Average Insurance Rates	$1,477	$1,956	$1,436	$1,308	$2,243	$1,409

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Carrollton, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Carrollton, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Carrollton	$1,117	$943
Hebron	$1,164	$983
Addison	$1,900	$1,605
Farmers Branch	$945	$798
Coppell	$1,841	$1,555
Lewisville	$1,449	$1,224
The Colony	$1,406	$1,188
Irving	$1,030	$870

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Carrollton, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Carrollton, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$4,793
20 Years	$1,898
30 Years	$1,462
40 Years	$1,406
50 Years	$1,302
60 Years	$1,321
70 Years	$1,537

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Carrollton, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Carrollton, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,570	$384
3 Vehicles	$3,855	$576
4 Vehicles	$5,140	$768

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Carrollton, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Carrollton, TX.

Location	Average Insurance Cost	Post DUI Insurance Rate
Carrollton	$1,477	$2,299
Hebron	$2,243	$3,492
Addison	$2,157	$3,358
Farmers Branch	$1,956	$3,045
Coppell	$1,409	$2,193
Lewisville	$1,308	$2,036
The Colony	$1,310	$2,039
Irving	$1,436	$2,236

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Carrollton, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,267
Excellent (740-799)	$1,447
Good (670-739)	$1,539
Average (580-669)	$2,008
Poor (300-579)	$2,409

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Carrollton, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$65	$1,542
Driver's Failure In Showing Documents	+$143	$1,620
Driving With An Expired Registration	+$152	$1,629
Driving At A Considerably Slow Pace	+$321	$1,798
Using A Cellphone While Driving	+$338	$1,815
Running A Red Light	+$344	$1,821
Speeding	+$362	$1,839
Driving A Vehicle Without The Required Permission	+$459	$1,936
Driving With An Expired/Suspended License	+$995	$2,472

Carrollton, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,418
Active Disabling Device	$1,418
Tracking Device	$1,388
Passive Disabling Device	$1,374

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Latest Auto Insurance Reviews in Carrollton, TX | Back to Top