Cheap Auto Insurance in Carrollton, TX

Choosing between car insurance companies shouldn’t leave you feeling like you have to overpay. Here at Freedom Insurance Group, we provide clients with affordable car insurance you can rely on. Learn more on how to get cheap auto insurance in Carrollton, Texas.

Compare Car Insurance in Carrollton, Texas

Auto insurance quotes for Carrollton, TX will take many different factors into consideration to determine your premium. Here’s a breakdown of factors that can affect your monthly auto insurance rates:

Average Monthly Auto Insurance by Age

Age Range	Av. Premium
Under 18	$258
18-24	$118
25-34	$60
35-44	$59
45-54	$55
55-64	$48
65+	$52

Average Monthly Auto Insurance by Vehicle

Vehicle Age	Av. Monthly Premium
Less than 1 Year	$59
2-3 Years	$60
4-5 Years	$58
6-7 Years	$68
8-10 Years	$71
11-14 Years	$66
15 Years or older	$63

Average Monthly Auto Insurance by Carrier

Rank	Company	Av. Monthly Rate
1	Allstate	$98
2	Progressive	$104
3	Kemper	$107
4	Travelers	$116
5	Bristol West	$119
6	Safeco	$121
7	Infinity	$132
8	Gainsco	$156
9	Others	$186+

Average Monthly Auto Insurance by Housing Status

Housing Status	Av. Monthly Premium
Own	$59
Rent	$62
Live with parents	$105

Average Monthly Auto Insurance by Relationship Status

Relationship	Av. Monthly Premium
Single (never married)	$73
Married	$55
Divorced	$57
Widowed	$48

Average Monthly Auto Insurance by Driving Record

Infractions	Av. Monthly Premium
1 accident	$110
Multiple accidents	$114
1 Ticket	$75
Multiple tickets	$135

See How Much Home Insurance Costs in Carrollton Texas HERE

Auto Insurance in Carrollton, TX Is on the Rise

Cheap auto insurance in Carrollton, TX is harder to find these days because many factors are driving up costs. Some of these factors include personal driving habits, the economy at large, as well as statewide driving trends. Learn more about the most common reasons your premiums are going up:

Population Increasing

Carrollton reports sustainable economic growth, which is why people from all over the country continue to move into the city. From strong job prospects to affordable living to the mix of suburban and urban lifestyles, the city continues to attract new residents.

Urban areas have a growth rate of 84% In Texas, which is higher than the national average of 80%. This equates to higher auto insurance premiums because more people means more drivers in one area.

Not only does population density increase your chance of an accident, but it also enhances the likelihood that you’ll experience vandalism or grand theft auto, a crime that sees over 65,000 vehicles stolen in the Lone Star State each year.

Higher Speed Limits In Texas

Car insurance in Carrollton, TX gets no favors from the incredible speeds found on Texas highways. The Lone Star State is home to both the highest overall speed limit at 85 MPH as well as the overall fastest average reaching 75 MPH.

Our interstates set the tone and when peak traffic hours aren’t in play, you see this play out in the speed that Texas drivers routinely display. Because speed can lead to more severe and even fatal accidents, this hurts drivers with higher premiums as car insurance companies anticipate larger losses from claims due to the increase in risk.

Uninsured Motorists

In the state of Texas, 15% of drivers are on the road without liability coverage as required by law. This is higher than the national average. Because of this, you’re more at risk of being in an accident with an uninsured motorist, causing higher premiums for Texas drivers.

Longer Commutes in Texas? Not in Carrollton

Drivers in Carrollton, TX actually catch a break when it comes to their average commute. At slightly over 25 minutes, this is over two minutes better than the national average.

When drivers are in longer commutes, auto insurance companies raise rates because of the increased possibility of being in an accident. Longer commutes mean that you’ll be exposed to more vehicles for longer periods of time.

Even though I-35E may feel like an eternity, rejoice in knowing that it’s not as bad as other cities in Texas and this is one area that may actually help you save rather than raise your rates.

Natural Disasters

Natural disasters can be a major factor in raising the cost of auto insurance. For drivers in Carrollton, Texas, the threat of damage from hail and tornadoes as well as severe thunderstorms that produce them are serious concerns.

Statewide weather patterns including flash floods, tropical storms, and wildfires can also raise rates for Texans.

Thankfully, comprehensive car insurance is a coverage that protects against such threats but it doesn’t mean that these dangers won’t affect the cost of your premium.

Personal Factors

The type of vehicle you drive, the type of coverage you need, and your age are all factors auto insurance companies consider when assessing your rate. These factors will increase your insurance premiums depending on your risk level.

It is important to note that these types of personal factors are taken into account by each brand, but the methodology behind calculating the rates will differ. Even when shopping for the same exact coverage, your auto insurance quote will differ from company to company.

Carrollton TX Auto 1

Low-Cost Auto Insurance in Carrollton, Texas

Insurance policies that are tailored to your needs will both protect you and save you money. You can find low-cost auto insurance by applying the right discounts to your auto insurance policy.

If you are looking for car insurance discounts, you will likely find something that fits your needs, even if you are not eligible for all of them.

These are common auto insurance discounts available to drivers in Carrollton, TX:

Bundling Discounts

The best discounts can be found when multiple auto insurance policies are bundled together. A homeowners or renters insurance policy bundled with an auto policy can maximize your savings and protect you.

Multi-policy discounts are available if you own multiple vehicles in your household. Through bundling, Progressive allows drivers to save an average of 12% on multiple insurance policies when they insure multiple vehicles.

Potential Savings: 1% – 17%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Billing Discount

The discounts you receive when signing up for automatic billing or online billing can reduce your bill. The cost of your premium can also be reduced if you pay it upfront rather than monthly. Texas providers, including Allstate, offer such discounts.

Potential Savings: 2% – 25%

Major insurers offering this discount: Progressive, Safeco, Allstate, and Travelers.

New Customer Discount

You may receive a discount if you switch to an auto insurance brand for the first time, and your discount will increase as you switch further forward. Therefore, when switching auto insurance policies, it is important to get a quote as soon as possible.

In Carrollton, Texas, Travelers is incredibly popular for this discount. You can save up to 10% with them, but other brands may offer even greater discounts.

Potential Savings: 5% – 15%
Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Occupational Discount

Because some occupations have a low accident rate, insurance companies offer discounts to those who work in those occupations. Additionally, your auto insurance premium is calculated based on these factors, allowing you to save money. These discounts are popular options for Texans enrolled with Safeco and Progressive.

Potential Savings: 10% – 20%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Continuously Insured Discount

You may qualify for discounts from Progressive in Texas if you keep your auto insurance policy active for at least six months. By keeping your insurance current, you reduce the risk of having to pay penalties for lapsed coverage and lower your risk of experiencing financial hardship in the event of an accident.

Potential Savings: 5% – 25%

Major insurers offering this discount: Progressive and Travelers.

Good Student Discount

Young drivers pay high insurance premiums due to their increased chance of causing an accident. By maintaining a good grade average (“B” or above), you can get discounts on auto insurance.

Students with good grades can receive discounts of up to 20%. Through this Progressive discount, young drivers can save up to 15% in Carrollton, Texas. In some cases, you can save more money with another brand.

Potential Savings: 5% – 20%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Resident Student Discount

Getting the right discounts on car insurance will always be the key to finding the best policy for young drivers. Students who go away to college more than 100 miles from the vehicle they need coverage for can receive a discount on insurance. A popular choice in Carrollton, Texas is Travelers, which offers discounts of up to 35% off in savings.

Potential Savings: 7% – 35%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Good Driver Discount

Safe driving helps reduce accidents, which saves money for auto insurance companies. In most cases, good drivers receive discounts from car insurance companies if they don’t file a claim within a certain timeframe. Safeco even offers discounts to drivers that have had a claim or moving violation within the past five years.

Potential Savings: 10% – 30%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Usage-Based Discount

Smartphone apps and devices are used by car insurance companies to analyze and track customers’ driving habits. By driving safely and reducing your mileage, you can save money. The following programs are offered by auto insurance companies in Carrollton, Texas

Mature Driver Discount

For mature drivers age 55 and over, a mature driver discount may be available, although you may need to complete a senior driving course.

Potential Savings: 1% – 15%

Major insurers offering this discount: Progressive, Allstate, Safeco, and Travelers.

Auto-Insurance-Discounts-Carrollton-TX

Cheap Car Insurances in Carrollton, TX

Choosing the right insurance in Carrollton, TX depends on your needs. In Texas, all drivers are required to carry a minimum amount of liability insurance coverage but everyone’s needs are different. The vehicles of drivers are susceptible to many hazards— which means you’ll need the right coverages in place to avoid paying for losses out of pocket.

Car insurance provides financial protection in the event of an accident, and can potentially save you money in the long term. Especially when your specific coverage needs are assessed and addressed with an agent.

Freedom Insurance Group has been saving drivers in Carrollton, TX from the pain and hassle of finding an affordable policy since 2005. While we compare rates from a number of leading brands, the process is simple and only takes a few clicks to get an accurate quote.

Ask an agent to discover your coverage options and how we help drivers save an average of 40% when switching:

Cheap-Car-Insurances-In-Carrollton-TX

We help our clients with many standard auto insurance coverages, however, protections geared towards more specific needs are also available. This means everything from full coverage car insurance to classic car insurance to gap insurance and more.

Our agents help find you the best car insurance for your needs rather than forcing you into a protection plan that either charges too much for coverage you don’t need or doesn’t protect you from threats you might face.

Which Auto Insurance Companies Have the Cheapest Auto Insurance in Carrollton, TX?

When it comes to finding the best car insurance rates, there are a lot of factors that go into the assessment. The main thing to remember is that while rates for car insurance in Carrollton, TX will vary, they are all based on risk.

Comparing your coverage is the best way to find the best car insurance for the lowest price because different brands assess coverage differently. This means you can get the same coverage at different prices depending on who you enroll with.

Save money on auto insurance in Carrollton, TX by shopping among many different top-rated providers to identify your best option.

Carrollton, TX Zip Codes Served

75006
75007
75010
75011
75019

You will still be able to save money on auto insurance even if you don’t see your zip code listed. We help drivers throughout all of Carrollton, TX.

Find Cheap Car Insurance Quotes in Carrollton, TX

When you search for car insurance online, it’s easy to find many options for your coverage, but how do you ensure you’re getting the best deal? Here at Freedom Insurance Group, we work for you to find quality coverages at the lowest price possible.

We’ve partnered with more than 25 of the highest-rated insurance companies available to Texas drivers to compare rates and consistently deliver low prices. Our clients save an average of 40% when switching.

We offer a wide range of auto insurance products to meet your needs no matter what. Providing liability coverage, comprehensive car insurance, full coverage, and any other coverage needed for your vehicle to stay protected.

Your insurance options don’t have to stop with auto insurance either. Our agents are here to help you protect all of your needs and can even bundle your policies for even more savings: