Compare homeowners insurance quotes in Carrollton, TX with Freedom Insurance Group. We check 25+ carriers and help you match coverage to the home and vehicles you actually own.
Average homeowners insurance cost in Carrollton, TX
| Home value tier | Market est. | FIG illustrated |
|---|---|---|
| Typical local home (~$381,000) | $2,125 | $1,232 |
| $300,000 dwelling | $1,917 | $1,112 |
| $600,000 dwelling | $2,697 | $1,564 |
| $1,000,000 dwelling | $3,510 | $2,036 |
The typical homeowners insurance premium in Carrollton, TX is about $2,125 annually for a typical local home (typical local home value about $381,000). For a $300,000 dwelling, expect around $1,917 per year; for a $600,000 home about $2,697; and for a $1,000,000 dwelling about $3,510. Freedom Insurance Group rates are often about 42% lower — near $1,232 per year for a typical home, roughly $1,112 for a $300,000 home, about $1,564 for a $600,000 home, and around $2,036 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $1,490 |
| $200,000 – $300,000 | $1,666 |
| $300,000 – $400,000 | $2,045 |
| $400,000 – $500,000 | $2,315 |
| $500,000 – $600,000 | $2,577 |
| $600,000 – $700,000 | $2,782 |
| $700,000 – $800,000 | $2,952 |
| $800,000 – $900,000 | $3,175 |
| $900,000 – $1,000,000 | $3,398 |
Band premiums are midpoints on the Carrollton dwelling curve (typical local home value about $381,000). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Carrollton, TX, using a typical local home value of about $381,000. Freedom figures apply an approximate 42% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
What makes Carrollton, TX stand out
Carrollton has about 133,168 residents and lies within Denton County, in the Dallas–Fort Worth metroplex.
Carrollton is located in the Dallas–Fort Worth metroplex, and there routine insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Housing here is a mix of single-family homes typical of the Dallas–Fort Worth metroplex, but replacement cost, roof age, and construction type still explain most premium differences from street to street.
Insurers in North Texas often price in severe thunderstorms, hail, and tornado risk common across the Plains.
What shapes home insurance prices in Carrollton
Carrollton homeowners are priced on several interlocking factors that underwriters check when they build a quote. Most of the price comes from rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can swing the final premium as much as the company you choose.
Rebuilding your house with similar materials at today’s labor and supply prices defines what replacement cost measures. In Carrollton, a larger rebuild estimate, premiums generally go up, because the insurer’s exposure grows.
Construction type and roof details round out the list: carriers want to know frame versus masonry construction, the roofing material, and how solidly the home is built, since those details shape how it fares in the wind, hail, and fire seen across Texas.
Location risk reflects storm, hail, wildfire, and crime scores that can differ by ZIP code and neighborhood within Carrollton, so two homes with similar rebuild costs can still get different prices.
Insurers grade fire protection by protection class plus how far away hydrants and stations are; good protection tends to mean lower pricing.
Claims history still matters a lot: in Carrollton, claims in the last few years tend to increase pricing at renewal and on new quotes.
Credit-based insurance score also plays a role where rules allow: companies that apply it usually charge less for stronger scores.
Discounts for Carrollton, TX homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Which discounts apply and how much they are worth vary by carrier. Treat “up to” as the ceiling, not a guarantee.
Home insurance coverage basics
- Dwelling (Coverage A): Rebuilding funds for the home itself after a covered loss. Set it to follow reconstruction costs in your area.
- Other structures (B): This portion applies to detached features such as a garage, shed, fence, or similar buildings that are not attached to the main house.
- Coverage C, personal property: This covers furniture, clothing, and everyday belongings inside the home, with special limits that apply to some higher-value categories.
- Loss of use (D): While a covered loss keeps you out of the home, this helps pay the extra living costs.
- Personal liability (Coverage E): It responds when you are legally responsible for harm to other people or their property arising from a covered incident.
- Medical payments (F): If a visitor is injured at your home, it helps with their medical bills, frequently with no formal liability claim.
Bundling home and auto in Carrollton, TX
These are illustrated averages for bundling, not a quote. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Carrollton, Texas | $258 | $436 | $636 |
Neighborhoods in Carrollton
- New Koreatown
- Kensington Place
- Kelly Crossing
- Homestead
- Tides on Timberglen
- One90 Frankford
- The Holden
- Spring Parc
- The Georgian
- Villas on Rosemeade West
- Timberglen
- The Residence at North Dallas
- The Edge
- Villas of Josey Ranch
- Bluffview
- Mustang Park
- Castle Hills – Enchanted Hill
- Hamilton Park
What public data says about Carrollton homes
Tornado history matters here as well: NOAA lists 8 tornadoes starting within 10 miles of Carrollton in 2016–2025, the most intense an EF3 during October 2019.
Named places the USGS records in and around Carrollton include Trinity Mills and Hebron. Older and newer sections can quote differently because of construction era and roof condition.
Carrollton’s median year built is 1988. The stock is mixed: 26% predate 1980 and 16% went up in 2010 or later.
FEMA’s National Risk Index flags hail (“Very High”), tornado (“Very High”), wildfire (“Relatively Moderate”), and winter-weather (“Relatively High”) in Denton County.
NOAA storm records show 49 hail reports within about 7 miles of Carrollton from 2016 through 2025 (39 at one inch or more). The largest measured 3 inches in June 2018 near Carrollton.
Census survey estimates (ACS 2020–2024) show about 54,365 housing units in Carrollton, and owners occupy about 59% of the occupied homes. By structure type, 58% are detached single-family houses and 36% are in buildings with two or more units.
From 2000 on, Denton County has been part of 8 major disaster declarations; the latest is Severe Storms, Straight-Line Winds, Tornadoes, and Flooding (May 2024).
Occupied homes in Carrollton are heated mostly with electricity (57%) and utility gas (42%).
Carrollton traces its official start to 1913. Carrollton’s population went from 109,576 at the 2000 Census to 119,097 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 135,456. That is growth of roughly 24% since 2000.
Going further back, SPC data show 32 hail reports within 5 miles of Carrollton between 1955 and 2015, the largest 2.75 inches on April 3, 2012. 2 of those reports were 2 inches or larger. NOAA Storm Prediction Center records list 22 tornadoes that began within 10 miles of Carrollton from 1950 through 2015; the strongest was an F3 on May 26, 1976.
Looking at neighboring communities? Nearby home insurance pages: Addison (4 mi), Farmers Branch (4 mi), and Coppell (6 mi).
ZIP codes we cover in and around Carrollton
75006 · 75007 · 75010 · 75011 · 75019
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