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Car Insurance in Carrollton, TX [Cheap Rates + Best Coverage]

Carrollton, TX Statistics Details
City Population 135,710


City Density 3,721 people per square mile
Average Cost of Insurance $5,869.26
Cheapest Car Insurance Companies USAA and State Farm

Carrollton is one of the top 30 most-populated cities in Texas, meaning there are a lot of drivers on Carrollton’s roads. If you are moving to Carrollton, you need to protect both yourself and your vehicle in case of an accident.

We know car insurance can be confusing, though, and is one of the last things you want to worry about when moving to a new city.

So keep reading to learn everything you need to know about insuring and driving a car in Carrollton. We will also give you an overview of what it’s like to live in Carrollton, from vehicle thefts to the cost of homes.

Let’s get started. Want to start comparison shopping for rates today? Enter your zip code in our FREE online tool above.

Table of Contents

The Cost of Car Insurance in Carrollton

Texas requires all drivers to have car insurance, but it can be an expensive strain on the budget. To help you save on car insurance in Carrollton, we are going to go through what influences insurers’ rates.

From ages to driving records, multiple factors impact what you are paying for insurance. So stick with us as we go through Carrollton’s car insurance rates with data from our partnership with Quadrant.

– Male vs. Female vs. Age

Age is a reasonable factor that insurers use to determine rates — consider teenage drivers versus middle-aged drivers.

The median age in Carrollton is 36.9 years.

This means most drivers are paying the usual rates at providers. The table below shows what happens to rates when you aren’t in your mid-30s.

Age 17 25 35 60 Cheapest Age
Average Annual Rate $8,215.77 $3,342.19 $2,676.90 $2,525.67 60

Yet another reason to celebrate your birthday — your car insurance rates will slowly drop with each decade you grow older. While age is a clear indicator to insurers of riskiness, gender is a less commonly known factor.

Insurers usually charge males more for car insurance, as acccident data shows males to be riskier drivers than females.

Below are the average rates for female versus male drivers in Carrollton.

  • Male Driver Average Rate: $4,190
  • Female Driver Average Rate: $3,955

Females pay an average of $195 less than males in Carrollton. Now that we know how important gender is to insurers, let’s combine it with age rates.

Demographic Rate (Cheapest)
Married 60-year old female $2,457.21
Married 60-year old male $2,594.12
Married 35-year old female $2,636.75
Married 35-year old male $2,717.05
Single 25-year old female $3,244.61
Single 25-year old male $3,439.76
Single 17-year old female $7,485.24
Single 17-year old male $8,946.30

The data shows males consistently pay more than females across all age groups.

– Cheapest Zip Codes in Carrollton

Just like property taxes change from county to county, so do car insurance rates. Below you can see how much your rates will change if you move from one zip code to another.

Zip Code Average Annual Rate
75007 $5,869.26
75010 $6,225.85
75006 $6,366.82

Despite Carrollton being a large city, there are only three zip codes. The difference between the most and least expensive zip codes is just under $500.

This seems like a lot, but the amount isn’t terrible compared to other cities, where rates based on zip codes can increase by thousands.

– What’s the Best Car Insurance Company in Carrollton?

Even if you already have a car insurance provider in Texas, it may be worth looking into other companies to save money. Finding a new provider can be stressful, though.

To give you an idea of which Carrollton providers have the best rates for you, we are going to go through everything from which companies have the cheapest rates to which companies charge the most for a DUI.

Let’s jump in.

– Cheapest Car Insurance Rates by Company

The first thing we want to look at is how companies’ rates compare to each other.

Group Married 35-year old female Married 35-year old male Married 60-year old female Married 60-year old male Single 17-year old female Single 17-year old male Single 25-year old female Single 25-year old male Average
Allstate $3,696.32 $3,716.37 $3,645.81 $3,645.81 $9,988.46 $12,028.60 $4,570.78 $4,742.46 $5,754.33
American Family $3,335.32 $3,720.40 $3,092.75 $3,554.27 $8,879.62 $11,646.31 $4,810.51 $5,490.89 $5,566.26
GEICO $2,586.02 $2,800.40 $2,497.15 $2,847.54 $5,819.82 $6,024.03 $2,808.98 $2,801.93 $3,523.23
Nationwide $2,522.48 $2,563.16 $2,220.89 $2,352.81 $7,386.68 $9,491.43 $2,985.80 $3,234.03 $4,094.66
Progressive $2,424.47 $2,328.98 $2,154.35 $2,195.51 $10,079.03 $11,278.51 $2,900.27 $2,973.79 $4,541.86
State Farm $2,249.51 $2,249.51 $2,011.00 $2,011.00 $5,503.67 $7,031.40 $2,453.91 $2,523.24 $3,254.16
USAA $1,643.15 $1,640.56 $1,578.53 $1,551.91 $4,739.39 $5,123.79 $2,182.03 $2,311.99 $2,596.42

Because companies vary in how much they charge demographics, you can save money by looking at what a provider charges for your demographic, rather than going with the provider that promises it has the cheaper rates.

If you are a teen driver, for example, a company may promise cheap rates but charge your age more than providers who are more expensive overall.

– Best Car Insurance for Commute Rates

How far do you drive to work every day? The longer you drive, the more wear and tear you put on your car. You also have a greater chance of being in a car crash the longer you are on the road.

Insurers consider these factors and charge drivers with long commutes more than they do drivers with short commutes.

The average Texan driver travels 15,533 miles a year, placing the average Texan driver in the insurers’ category of “long commuters.”

If you move to Carrollton and classify as a driver with a long commute, you might want to pick a provider who doesn’t charge more for a long drive.

Group 10 Miles Commute. 6,000 Annual Mileage. 25 Miles Commute. 12,000 Annual Mileage. Average
Allstate $5,607.90 $5,900.75 $5,754.33
American Family $5,566.26 $5,566.26 $5,566.26
GEICO $3,461.21 $3,585.25 $3,523.23
Nationwide $4,094.66 $4,094.66 $4,094.66
Progressive $4,541.86 $4,541.86 $4,541.86
State Farm $3,254.16 $3,254.16 $3,254.16
USAA $2,563.77 $2,629.07 $2,596.42

American Family, Nationwide, Progressive, and State Farm charge the same for a long commute as a short commute. If you drive long distances, you may appreciate the few hundred dollars saved at these companies.

– Best Car Insurance for Coverage Level Rates

Car accidents can make us appreciate our car insurance — unless we have low coverage and end up paying a significant sum out of pocket. To avoid this, shop around to see what companies have economical high coverage.

The table below shows price increases at Carrollton companies.

Group Low Medium High Average
Allstate $5,623.00 $5,704.96 $5,935.01 $5,754.32
American Family $5,196.75 $5,368.59 $6,133.43 $5,566.26
GEICO $3,343.66 $3,489.04 $3,737.00 $3,523.23
Nationwide $3,920.02 $3,929.76 $4,434.20 $4,094.66
Progressive $4,366.13 $4,527.25 $4,732.21 $4,541.86
State Farm $3,071.04 $3,245.22 $3,446.20 $3,254.15
USAA $2,497.83 $2,584.95 $2,706.48 $2,596.42

While Allstate has the most expensive rates, it only charges about $300 to upgrade from low to high coverage. Other companies are similar in rate upgrades, such as Geico, Progressive, State Farm, and USAA.

– Best Car Insurance for Credit History Rates

Credit history is an important part in determining your car insurance rates. Below, you can see how poor or fair credit can add hundreds or thousands to your car insurance rates.

Group Good Fair Poor Average
Allstate $4,595.26 $5,360.40 $7,307.32 $5,754.33
American Family $4,211.10 $4,838.55 $7,649.12 $5,566.26
GEICO $2,046.28 $3,076.43 $5,446.99 $3,523.23
Nationwide $3,429.49 $3,948.99 $4,905.50 $4,094.66
Progressive $4,089.92 $4,416.29 $5,119.38 $4,541.86
State Farm $2,290.34 $2,870.30 $4,601.83 $3,254.16
USAA $1,784.66 $2,211.76 $3,792.84 $2,596.42

At every company in Carrollton, the decline from good to bad credit will cost drivers at least a thousand dollars. As you can see, though, some companies charge only about a thousand dollars while others charge a few thousand.

So if you have poor credit, pick a company with the best rates for poor credit history.

– Best Car Insurance for Driving Record Rates

Driving records — DUIs, accidents, and speeding tickets — matter to insurers. Someone with a bad driving record is more likely to get in an accident, meaning insurers are taking on a driver who it’s likely they’ll eventually have to pay out a claim for.

Let’s take a look at how rates in Carrollton vary by driving record factors.

Group Clean record With 1 speeding violation With 1 accident With 1 DUI Average
Allstate $4,412.08 $4,412.08 $6,945.10 $7,248.04 $6,201.74
American Family $5,060.81 $5,060.81 $6,480.00 $5,663.41 $5,734.74
GEICO $2,986.36 $3,840.49 $3,979.22 $3,286.87 $3,417.48
Nationwide $3,543.20 $4,009.76 $3,543.20 $5,282.49 $4,122.96
Progressive $3,961.65 $4,468.62 $5,107.59 $4,629.60 $4,566.28
State Farm $2,878.13 $2,878.13 $3,318.38 $3,941.99 $3,379.50
USAA $1,925.55 $2,210.92 $2,865.36 $3,383.85 $2,724.92

Insurers generally consider DUIs and accidents to be worse than speeding tickets, though a few providers (such as Nationwide) charge more for a speeding ticket than an accident.

Insurers are concerned with speeding for a reason, as many fatal accidents occur due to speeding each year.

– Car Insurance Factors in Carrollton

There are factors beyond age and driving record that can affect your car insurance rates. A city’s economy can affect how much insurers charge drivers for car insurance.

A city with high unemployment, for example, will have a higher number of uninsured or underinsured drivers on the road, which will impact what insurers charge.

To see what Carrollton’s economy is like, we are going to look at everything from average incomes to employment rates.

– Median Household Income

Because car insurance can be expensive, we took a look at what percentage Carrollton residents are paying out of their incomes toward car insurance.

To do this, the first thing we’ll do is look at the median household income in Carrollton.

Carrollton Median Household Income

The average Carrollton household earns $73,218 a year, which is higher than the U.S. average of $60,336.

The average cost of car insurance in Carrollton is $5,869, meaning the average Carrollton household spends 8.02 percent of its income on car insurance.

Of course, this percentage could be higher or lower for you, depending on what you pay for car insurance and how much you make. If you want to see the exact percentage you pay for car insurance, use our free calculator below.

CalculatorPro

– Homeownership in Carrollton

Since Carrollton has higher-than-average incomes, it is interesting to see what percentage of residents own their homes. Homeownership is fairly important to providers, as homeownership implies responsibility.

Most providers also offer home and auto bundling discounts, so you could save on car ownership if you own your home.

Let’s take a look at the percentage of homeownership in Carrollton.

59.6 percent of Carrollton residents owned their homes in 2017. This is a slight decrease from 2016, when there was 60.3 percent homeownership.

Carrollton’s average rate is below the U.S. average of 63.9 percent. Still, Carrollton’s rate is not drastically lower, showing Carrollton has a fairly normal rate of homeownership.

If you are moving to Carrollton and plan on buying a home, it helps to know how much the average home costs. Let’s take a look at the median value of homes in Carrollton.

Carrollton Property Value

Carrollton has high property values, which may be why there is a slightly lower rate of homeownership. The average home in Carrollton is valued at $197,500.

This is higher than the average Texas home value of $151,500. If you are moving to Carrollton, expect homes to cost more than in other areas in Texas.

– Education in Carrollton

To afford a home in Carrollton, you’ll need a decent education. Here’s the bad news — unless you get a degree in cosmetology, Carrollton doesn’t have any higher education opportunities.

The Cosmotolgy Career Center LLC awarded a total of 161 degrees in 2016.

The good news is that there is a community college in Dallas County near Carrollton. The Brookhaven College offers one- to two-year accreditation programs, as well as transfer programs for students.

If you find the college a bit too far, you can also take numerous online courses offered through the college.

– Wage by Race & Ethnicity in Common Jobs

While we’ve looked at average household incomes, we have yet to break them down further by looking at wages for miscellaneous managers in Carrollton by race and ethnicity.

Below, you can see average wages, as well as the percentage of incomes going to car insurance.

Race or Ethnicity Average Salary Percentage of Income Going to Car Insurance
Asian $107,939 5.44%
White $103,767 5.66%
Two or More Races $89,714 6.54%
American Indian $74,900 7.84%
Black $73,311 8.01%
Other $64,955 9.04%
Other Native American $60,677 9.67%
Native Hawaiian and Other Pacific Islanders $46,959 12.50%

While Asians (the highest-paid race or ethnicity) only have 5 percent of their income going to car insurance, this percentage increases to over 12 percent for the lowest-paid race or ethnicity.

Simply put, the more you make, the less percentage of income you’ll pay toward car insurance. Of course, shopping around for the lowest rates can also lower your percentage.

– Wage by Gender in Common Jobs

Gender is another demographic that shows discrepancies in pay. Below, you can see the differences in pay between males and females in the same job categories.

Wage by Gender in Common Jobs (1)

As you can see, males consistently earn more than females in Texas.

  • Female Average Salary: $45,959
  • Male Average Salary: $64,953

The average salaries show that males earn about $19,000 more than females. So while females are paying 12.77 percent of their income to car insurance, males are only paying 9.04 percent.

– Poverty by Age & Gender

We’ve looked at how age and gender affect car insurance rates, but poverty’s trends also correlate to age and gender. Considering the pay differences, it isn’t surprising that there are more females than males living in poverty in Carrollton.

Carrollton Poverty by Age and Gender

In Carrollton, the largest demographic living in poverty is females aged 25 – 34. Other major demographics in poverty are females ages 35 – 44 and females ages 6 – 11.

– Poverty by Race & Ethnicity

Just like gender poverty rates, race and ethnicity also show differences in poverty levels in Carrollton.

Carrollton Poverty by Race and Ethnicity

Whites are the largest demographic living in poverty in Carrollton. Following the 8,397 whites in poverty are Hispanics, with 7,806 living in poverty.

The other demographics only have a small number living in poverty compared to the largest demographics.

– Employment by Occupations

Now that we’ve covered wages and poverty rates, let’s see what the most common occupations are in Carrollton.

Carrollton Employment by OccupationsThe most common occupations in Carrollton are the following:

  1. Office and Administrative Support Occupations (9,725 people)
  2. Management Occupations (8,476 people)
  3. Sales and Related Occupations (8,437 people)

Good news. The employment rate in Carrollton (from 2016 – 2017) grew at a rate of 3.35 percent. During this time, the workforce grew from 70.8k employees to 73.2k employees.

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Driving in Carrollton

If you’ve never lived in a city before, driving around one can be daunting. Increased traffic, multiple intersections, and unclear road signs can confuse or frustrate even the most experienced driver.

To guide you through Carrollton’s roads, we are going to cover everything you need to know about driving a vehicle in Carrollton. Keep reading to learn about everything from routes to what dangers to watch out for on the roads.

– Roads in Carrollton

A city’s roads are important. If you live in a city with well-maintained roads and easy access to highways, your life will be a little easier.

That’s why we are going to take a look at Carrollton’s roads, from major highways to toll roads. So stick with us to see what driving around Carrollton will be like.

– Major Highways

Texas has quite a few active routes crisscrossing the state. It’s 25 active routes count for 3,501 miles of roadway in Texas, and one of these routes (I-35E) runs right through Carrollton.

Carrollton Highway map

I-35E has been around since 1959, and it runs through the Dallas-Fort Worth metropolitan area in Texas.

If you take I-35E, you have the option of using TEXpress lanes. These lanes are designed to keep traffic moving faster, but you’ll have to pay to use them.

To make things easier, you can purchase a TxTag to avoid having to stop to pay tolls. TxTag users also pay up to 50 percent less at tolls, so you can save if you frequently use TEXpress lanes on I-35E.

The TxTag works all across the state, so if you ever go on a road trip, it’s useful to have on hand.

– Popular Road Trips & Sites

Once you’ve got your TxTag, you’re ready to drive out of Carrollton for some road trips. Before you head out, though, make sure you’ve visited some of Carrollton’s unique attractions and stores.

  • Biggest Candy Store in Texas — If you have a sweet tooth, make sure to visit one of the biggest candy stores in Texas, situated right in Carrollton.
  • Rosemeade Rainforest Aquatic Complex — Need to cool off in the summer? This waterpark made it onto the list of eight best waterparks near Dallas.
  • Japanese Bath House — If you need a spa day to melt the stress of worrying about car insurance away, check out this spa right in Carrollton.

Once you’ve seen everything Carrollton has to offer, there is plenty to do outside the city on the road trips listed below.

  •  Best Texas Restaurants — This trip starts with a restaurant in Carrollton and will take you to the best places to eat across Texas.
  • Haunted Road Trip — Enjoy scary movies? This trip will take you to the most haunted spots in Texas.
  • Christmas Town Trip — If you can’t get enough of Christmas, this trip will take you to the best Christmas towns in Texas.

These are just a few ideas of what to do outside of Carrollton. Since Carrollton is right by Dallas, you can also go explore another big city for a day.

– Carrollton Speeding & Red-Light Cameras

Texas does not use speeding cameras, and though the Insurance Institute for Highway Safety (IIHS) lists Texas as a state that uses red-light cameras, Texas recently banned red-light cameras.

So while Carrollton may still have red-light cameras up, they should have been decommissioned by now and will eventually be removed. Just because there is a lack of cameras, though, doesn’t make speeding or running red lights acceptable.

You won’t have to worry about getting a ticket now, though, for accidentally going over the white line at an intersection before coming to a full stop.

– Vehicles in Carrollton

Owning a vehicle allows for freedom to go where you want when you want, but it is also a responsibility that comes with worries like speeding tickets and vehicle theft.

With that in mind, we are going to cover what it’s like to own a vehicle in Carrollton, from cars per household to vehicle theft in the city.

Let’s get started.

– Carrollton Cars Per Household

Like most households in the U.S., the average household in Carrollton owns a total of two cars.

Carrollton Car Ownership

45.7 percent of households own two cars in Carrollton, followed by 22.3 percent of households with three cars. A small percentage (3.15 percent) own five or more cars.

– Carrollton Households Without a Car

While there are households with more cars than will fit in a standard garage, there are also households who have zero cars and depend solely on public transportation or ridesharing.

2015 Households without Vehicles 2015 Vehicles per Household 2016 Households without Vehicles 2016 Vehicles per Household
2.2% 1.91 2.5% 1.91

The number of households without cars increased slightly from 2016 – 2017. Still, Carrollton boasts a low rate for households without cars.

With only 2.5 percent of households lacking cars in Carrollton, most residents own and drive vehicles around the city.

– Speed Traps in Carrollton

You may have been caught by a speed trap before and have the ticket to prove it. Compared to other cities, though, Carrollton isn’t notorious for its speed traps.

Carrollton didn’t appear on the list of the top 10 worst cities for speed traps in Texas, so there shouldn’t be a cop hiding around every corner in the city.

Don’t use this an excuse to speed — speeding is a major cause of accidents and fatalities.

– Vehicle Theft in Carrollton

How safe is your vehicle? According to the Federal Bureau of Investigation’s (FBI) 2013 crime report, there were a total of 206 vehicles stolen within the city. Unfortunately, this number has remained the norm.

In 2017, Neighborhood Scout reported that a total of 227 vehicles were stolen in Carrollton.

Of course, the safer the area you park your car for the night, the less chance there is that someone will jumpstart it and drive away. Neighborhood Scout says that the safest neighborhood to live in Carrollton is King Arther Blvd/N Josey Ln.

Carrollton Safest Neighborhood

Other safe neighborhoods include the following.

  • Fm 544/Plan Pky
  • Muscogee Trl/Hopi Dr
  • Old Denton Rd/W Frankford Rd
  • E Hebron Pky/N Josey Ln
  • Eisenhower St/Pawnee Trl
  • Rosemeade Pky/Standridge Dr
  • Hebron
  • E Frankford Rd/Mccoy Rd
  • Carmel Dr/Kelly Blvd

Since we are covering violent crimes next, you may find yourself wanting to live in one of the above neighborhoods.

You have a one in 818 chance of being the victim of a violent crime in Carrollton. This is a better chance than the Texas average, where you have a one in 228 chance of being the victim of a violent crime.

Then again, you may not. Carrollton has a fantastic crime rate, making it a great city to safely raise a family. Let’s look a bit further into the chance of being a victim of violent crime.

Carrollton Violent Crimes 2017 Murder Rape Robbery Assault
Report Total 2 36 61 67
Rate Per 1,000 People 0.01 0.27 0.45 0.49

The rate per 1,000 residents is less than one in every category, which is great. Carrollton has earned a crime index rating of 36, meaning Carrollton is safer than 36 percent of all U.S. cities. Not bad.

Let’s take a look at the annual crimes that happen in Carrollton.

Carrollton Annual Crimes 2017 Violent Property Total
Number of Crimes 166 2,387 2,553
Crime Rate (per 1,000 residents) 1.22 17.59 18.81

Carrollton has a low number of crimes, which is probably why it earned a good crime index rating.

So if you live in Carrollton, rest assured that the city is a fairly safe place for both you and your vehicle.

– Traffic

Unfortunately, living in a city means you’ll have to deal with traffic. Some cities are worse than others, though, which is why we want to take an in-depth look at Carrollton’s traffic.

So stick with us as we look at everything from traffic congestion to commute time. If you do, you’ll have a pretty good idea of how early you’ll have to leave to work each day.

Let’s jump into it.

– Traffic Congestion in Carrollton

The good news is that in addition to being a low-crime-rate city, Carrollton also appears to have okay traffic rates.

Carrollton didn’t appear on major traffic scorecards like Inrix, so it would seem that Carrollton’s traffic isn’t noteworthy enough to include on Texas’s list of worst cities for traffic. 

While Carrollton’s exclusion doesn’t mean you won’t have to contend with traffic, rest assured that cities like Dallas have it much worse than Carrollton.

– Transportation

To see if Carrollton deserves its exclusion from traffic scorecards, we are going to take a look at the average commute time in Carrollton.

Carrollton Commute Time

Most Carrollton residents spend 24 minutes commuting to and from work (for a total of 48 minutes a day), which is slightly less than the U.S. average commute (25.1 minutes).

As well, only 1.13 percent of residents have a super commute of 90 or more minutes.

Let’s see how most Carrollton residents make their commutes to work every day.

Carrollton Commuter Transportation

While 82 percent of residents drive alone to work, 9.37 percent carpool and 5.06 percent work from home.

– Busiest Highways

We want to dig even deeper into traffic by looking at what the busiest highways near Carrollton are, according to the Texas A&M Transportation Institute.

The bad news is that sections of I-35E running through the Dallas area have heavy congestion.

Highway Section Rank Delay Per Mile Congestion Cost Hours of Delay Daily Traffic Volume
IH 35E / US 77 46 281,106 Hours $60,650,384 2,964,260 Hours 146,985 Vehicles
Stemmons Fwy / IH 35E / US77 77 211,838 Hours $13,582,269 675,340 Hours 185,781 Vehicles

We’ve only included the sections of I-35E closest to Carrollton, but the traffic on I-35E through Dallas continues to be as bad as the data above suggests.

Because of the congestion, it might be worth it to purchase a TxTag and go through express lanes if you frequently drive on I-35E.

– How Safe are Carrollton’s Streets and Roads?

The truth of the matter is that even fantastic drivers can’t be in complete control of the factors around them. Other drivers may be drunk or not paying attention and crash into you.

To see how many fatal crashes happen on Carrollton’s roads and what causes them, we are going to look at the National Highway Traffic Safety Administration’s (NHTSA) report.

Let’s begin by looking at all crashes in Carrollton’s counties.

Fatalities (All Crashes) by County 2013 2014 2015 2016 2017
Collin County 41 47 37 50 68
Dallas County 225 238 259 315 282
Denton County 40 37 38 49 49

The number of crashes in all counties increased from 2013 – 2017, most significantly in Collin County and Dallas County. Let’s dive deeper into why these crashes are occurring by looking at crash factors in each county.

Collin County Crash Type 2013 2014 2015 2016 2017
Involving an Alcohol-Impaired Driver (BAC 0.8+) 15 21 15 23 25
Single Vehicle Crash 23 25 16 20 28
Involving Speeding 12 21 19 16 37
Involving a Roadway Departure 25 23 20 27 34
Involving an Intersection or Intersection-Related 14 13 10 12 15

Collin County has seen a gradual increase in speeding, drunk driving, and roadway departure deaths from 2013 – 2017.

Dallas County Crash Type 2013 2014 2015 2016 2017
Involving an Alcohol-Impaired Driver (BAC 0.8+) 98 98 103 131 114
Single Vehicle Crash 129 149 144 191 147
Involving Speeding 92 118 93 144 102
Involving a Roadway Departure 97 111 101 130 101
Involving an Intersection or Intersection-Related 43 46 55 61 64

In Dallas, the greatest increases have been in intersection-related deaths and drunk driving.

Denton County Crash Type 2013 2014 2015 2016 2017
Involving an Alcohol-Impaired Driver (BAC 0.8+) 17 14 12 18 21
Single Vehicle Crash 15 17 17 24 23
Involving Speeding 17 21 12 13 16
Involving a Roadway Departure 17 23 18 22 21
Involving an Intersection or Intersection-Related 9 7 8 15 10

Denton County’s increases haven’t been as dramatic as Dallas County and Collin County’s numbers, but Denton County only has a small number of crashes compared to the bigger counties.

As if these numbers aren’t depressing enough, we want to remind you that the car occupants aren’t the only victims of crashes. Whenever you walk near a roadway, you are at risk of being hit.

Person Type Fatalities 2013 2014 2015 2016 2017
Collin County - Passenger Car Occupant 14 20 15 21 21
Collin County - Pedestrian 5 2 3 4 2
Collin County - Pedalcyclist 0 2 0 1 2
Dallas County - Passenger Car Occupant 81 96 92 125 100
Dallas County - Pedestrian 49 54 71 84 73
Dallas County - Pedalcyclist 6 2 1 4 1
Denton County - Passenger Car Occupant 11 17 11 19 11
Denton County - Pedestrian 2 2 7 7 11
Denton County - Pedalcyclist 1 1 0 3 1

The highest number of pedestrian and pedalcylist deaths occur in Dallas County. Whenever you are near a roadway, keep alert for vehicles around you.

What roadways should you be the most concerned about when walking or pedaling on them? Let’s take a look at roads with the most fatal crashes in Texas.

Rural Interstate Urban Interstate Freeway and Expressway Other Minor Arterial Collector Arterial Local Unknown
176 402 260 982 652 600 261 10

What do these road types mean?

  • Arterial Road: A high traffic road that can be classified as arterial or minor arterial depending on the amount of traffic.
  • Collector Road: Takes local traffic to arterial roads.

Because arterial roads have seen a number of crashes in Texas, it’s probably best that you stay off highways and busy roads as a pedestrian.

Finally, the last crash data statistics we’ll look at is the U.S. Department of Transportation’s data on railroad and highway crash incidents.

Highway User Speed Calendar Year County Highway Highway User Type Rail Equipment Type Non-Suicide Fatality Non-Suicide Injury
- 2013 DALLAS IH 0035 Automobile Freight Train 0 0
- 2013 DALLAS I-35 FRNTG RD Pick-up truck Freight Train 0 0
0 2014 DALLAS I35 FRNTG RD Truck-trailer Freight Train 0 0
0 2014 DALLAS BROADWAY ST. Automobile Freight Train 0 0
- 2015 DALLAS I-35 FRNTG ROAD Truck-trailer Freight Train 0 1
0 2015 DALLAS I-35 FRNTG RD Automobile Freight Train 0 1
5 2015 DALLAS NORTHSIDE DR Pick-up truck Freight Train 0 0
0 2015 DALLAS I - 35 FRNTG RD Automobile Freight Train 0 0
- 2015 DALLAS I-35 FRNTG RD Automobile Freight Train 0 0

Not surprisingly, the only railroad/highway crash incidents occurred in Dallas County. If you drive on any of the roads listed above, make sure to stay alert for potential hazards.

– Allstate America’s Best Drivers Report

Every year, Allstate does a report on the top 200 largest cities in the U.S. with the best drivers. Because Carrollton isn’t a big enough city, it’s drivers weren’t ranked by Allstate.

Hopefully, Allstate will start to rank more cities in the future.

– Ridesharing

Ridesharing has moved beyond taxis, with big names like Uber and Lyft becoming popular across the U.S. Ridesharing is useful for those times when you need a lift home from the airport or have had too much to drink with your friends.

Let’s see what rideshare options are available in Carrollton.

  • Uber — Uber is the cheapest option in Carrollton, as long as you don’t purchase Uber Select or Uber Black.
  • Lyft — Lyft is the second-cheapest option, though once again, it becomes more expensive with select options like Lyft Lux.
  • Taxi — Taxis are more expensive than the basic Uber and Lyft options in Carrollton.
  • Curb — Curb is slightly more expensive than a traditional taxi.

Uber and Lyft options are only cheaper if you get basic options. If you chose luxury rides, it will cost significantly more than a taxi.

By comparing prices on rideshare apps, you can make sure you are getting the best price for your ride.

– E-star Repair Shops

If you’ve been meaning to get that dent repaired in your vehicle for a while now but aren’t sure where to take it, Esurance rates repair shops in your area.

Esurance only rates shops as E-star if they are reputable and have reasonable turnaround times. Let’s take a look at the E-star shops within 20 miles of Carrollton.

Shop Name Address Contact Info
Service King 05 Carrollton 2309 MIDWAY RD
CARROLLTON TX 75006
email: [email protected]
P: (972) 407-0275
F: (800) 214-2373
Caliber Collision Centers Training 2941 LAKE VISTA DRIVE
LEWISVILLE TX 75067
P: (949) 224-0300
Service King Lewisville 2765 S. STEMMONS FRWY
LEWISVILLE TX 75067
email: [email protected]
P: (972) 315-6505
F: (800) 214-2373
Service King North West Dallas 11565 REEDER RD.
DALLAS TX 75229
email: [email protected]
P: (972) 247-1212
F: (800) 214-2373
Caliber - #14-352 401 E CORPORATE DR
LEWISVILLE TX 75057
P: (800) 555-1212
F: (253) 941-2475
Caliber - #14-359 401 E CORPORATE DR
LEWISVILLE TX 75057
P: (800) 555-1212
F: (425) 271-0117
Caliber - #14-366 401 E CORPORATE DR
LEWISVILLE TX 75057
P: (800) 555-1212
F: (253) 582-6208
Service King The Colony 5270 MEMORIAL DR
THE COLONY TX 75056
email: [email protected]
P: (972) 987-1757
Service King West Plano 4205 W PLANO PKWY
PLANO TX 75093

email: [email protected]
P: (972) 867-5803
F: (800) 214-2373
Service King North Dallas 10720 N CENTRAL EXPY
DALLAS TX 75231
email: [email protected]
P: (214) 210-0968
F: (214) 210-0974

All of these repair shops are very close to Carrollton, making it easy to find a repair shop near you.

– Weather

Texas is known for its ranches and hot weather, but the weather can vary from city to city in Texas. We want to see what yearly temperatures are like in Carrollton, so let’s take a look at weather data.

Carrollton Weather Averages
Hot Season: Average High Temperature 88°F
Hot Season: Average Low Temperature 78°F
Cold Season: Average High Temperature 64°F
Cold Season: Average Low Temperature 38°F
Rainfall 38 inches
Snowfall 1 inch
Sunny Days 230

Carrollton experiences average amounts of rain, but it has a less-than-average amount of snowfall. This is thanks to the higher temperatures in Carrollton, and a higher-than-average amount of sunny days. So if you are moving to Carrollton, make sure to stock up on sunscreen.

Another aspect of the weather we want to take a look at is natural disasters.

Dallas County has experienced 19 natural disasters, significantly higher than the national average of 13 natural disasters.

Dallas County’s history of natural disasters include storms, floods, tornadoes, fires, winds, flash floods, and winter storms. Of course, some of these disasters have occurred more than others — there has only been one winter storm in Dallas County’s history but seven regular storms.

How can you prepare for these disasters?

One thing you can do is purchase comprehensive coverage for your vehicle. Comprehensive coverage will help pay for damages caused by natural disasters, animal collisions, theft, and vandalism.

So if an iced-over road sends you barrelling into a fence, you can rest assured that comprehensive coverage will help you out.

– Public Transit

The nice thing about cities is that it is always fairly easy to find transportation. Carrollton offers Dallas Area Rapid Transportation (DART) for its residents.

DART provides bus and train services for Carrollton residents, to make it easier to get to a big sports game or the grocery store.

Below are the prices for DART rides.

DART Pass Type Fare
Single Ride (valid on DART buses only) Local: $2.50
Reduced: $1.25
Day Pass Local: $6
Regional: $12
Reduced: $3
AM/PM Pass (new replacement for two hour pass) Local: $3
Reduced: $1.50
Midday Pass (9:30 a.m. to 2;30 p.m.) Local: $2
Monthly Passes Local: $96
Regional: $192
Reduced: $48

The difference between local and regional is that local passes only allow travelers to take the trains between Union Station and CentrePort/DFW Airport Station. Regional passes can travel all DART trains, including Trinity Metro in Fort Worth, TEXRail, and DCTA in Denton County.

As for reduced passes, the following are eligible for a reduced fare:

  • Seniors (65 or older)
  • Non-paratransit certified people with disabilities
  • Medicare cardholders
  • Children ages 5 – 14 (children under five ride free)
  • High school students
  • College/trade-school students

So if you find yourself without a ride, public transit is always a valid option in Carrollton.

– Alternate Transportation

Currently, Carrollton doesn’t have alternate transportation options like Lime or Bird scooter and bike rentals.

If you head over to Dallas for the day, though, you can try out Lime or Bird. Riding a bike or scooter in the city is a fun way to get around and gives you a bit of exercise as a bonus.

Since Bird and Lime are working on expanding, hopefully, they will eventually come to Carrollton.

– Parking in Metro Areas

Parking can be stressful in a city. While Carrollton offers street parking, you’ll have to make sure to have change on hand to pay the meters.

Luckily, Carrollton offers some free parking for downtown businesses, so you won’t always have to raid your car’s change drawer. There are also paid parking garages in Carrollton if the free ones are filled up.

Satellite parking is another option in Carrollton at the Downtown Carrollton Station if you want to take a DART rail.

Finally, one last aspect to cover about parking in Carrollton is electric vehicle charging. If you have an electric vehicle, it helps to have somewhere to park and charge while you shop.

Luckily, Carrollton has a total of 313 charging stations, 81 of which are free. So wherever you go in Carrollton, you should never be without a charging station nearby.

– Air Quality in Carrollton

There’s a reason why doctors in the 1900s told ill patients to take a vacation to the countryside to breath in the fresh air. While we don’t have factories belching out smog on every corner anymore, we do have multiple vehicles on the city streets.

While vehicles’ emissions have improved with stricter regulations, we still have a long way to go in making our air cleaner.

Breathing in pollution is harmful to our health, which is why we want to take a look at the Environmental Protection Agency‘s information on Carrollton’s air quality.

Since the EPA doesn’t have information just for Carrollton, we are going to take a look at the data for the three counties Carrollton resides in.

Let’s start with Collin County.

Collin County Air Quality 2016 2017 2018
Days with AQI 363 363 361
Days Good 318 313 296
Days Moderate 41 43 49
Days Unhealthy for Sensitive Groups 4 7 16
Days Unhealthy - - -
Days Very Unhealthy - - -

Unfortunately, Collin County has seen an increase in days unhealthy for sensitive groups, though there haven’t been any unhealthy days recorded.

Dallas County Air Quality 2016 2017 2018
Days with AQI 366 365 365
Days Good 264 239 240
Days Moderate 99 119 106
Days Unhealthy for Sensitive Groups 3 7 16
Days Unhealthy - - 3
Days Very Unhealthy - - -

Dallas County had an increase in days unhealthy for sensitive groups, as well as three unhealthy days in 2017. Finally, let’s take a look at Denton County’s air quality.

Denton County Air Quality 2016 2017 2018
Days with AQI 366 365 365
Days Good 291 288 282
Days Moderate 64 68 69
Days Unhealthy for Sensitive Groups 11 9 13
Days Unhealthy - - 1
Days Very Unhealthy - - -

Like Dallas County, Denton County saw an increase in days considered unhealthy for sensitive groups, as well as one unhealthy day in 2017.

All in all, Carrollton doesn’t have the most spectacular air quality. All the counties it belongs to have seen an increase in “unhealthy for sensitive groups” days and unhealthy days from 2017 – 2018.

Hopefully, continued focus on air quality will help improve the air quality in our cities.

Military & Veterans

Are you a veteran or military personnel? If you are, you are eligible for discounts at most providers. Car insurance is confusing enough, though, without having to try and figure out what rates you can earn.

To guide you through car insurance for military members, we are going to go through everything from what veterans reside in Carrolton to USAA availability.

So let’s begin.

– Veterans by Service Period

Do you know where your local veterans served? Carrollton is home to 1,737 Vietnam veterans, as well as veterans from the Gulf Wars, Korea, and WWII.

Carrollton Veterans by Service Period

Only 150 WWII veterans are living in Carrollton, and 299 Korea veterans.

– Military Bases Within an Hour

There is a military base just under an hour from Carrollton — the Naval Air Station Joint Reserve in Fort Worth.

The Naval Air Station Joint Reserve trains air and ground crews. The base employs “11,000 active, reserve, and civilian personnel and generates a $1.3 billion annual impact to the local economy and the North Central Texas region.”

So if you are thinking of working at a major military base, there is one less than an hour away from Carrollton.

– Military Discounts by Providers

Discounts are always welcome, and military personnel are eligible for special discounts at most providers. Let’s take a look at which major providers in Texas offer military discounts.

Insurance Company Percentage Saved with Discount
Farmers NA
GEICO 15%
Liberty Mutual (must be active duty) 4%
MetLife 15%
Safeco NA
USAA* NA

*USAA also offers a military garaging discount.

Since our list is of major providers, local providers in Carrollton may offer a military discount — never be afraid to ask a provider what you can save for your service.

– USAA Availability

USAA is a well-known provider of military insurance. It earned its reputation for its great service and fantastic rates, so make sure to check it out as a potential provider.

Below, you can see how USAA’s rates compare to other Texas providers’ rates.

Company Average Compared to State Average (+/-) Compared to State Average (%)
Allstate F&C $5,485.32 $1,556.98 28.38%
The Gen Automobile Ins Co Inc $4,849.18 $920.84 18.99%
Progressive Cty Mtl $4,664.85 $736.51 15.79%
Nationwide CCMIC $3,867.57 -$60.77 -1.57%
GEICO County Mutual Ins Co. $3,263.39 -$664.95 -20.38%
State Farm Mutual Auto $2,879.95 -$1,048.39 -36.40%
USAA $2,488.12 -$1,440.22 -57.88%

At nearly 60 percent less than the state average, USAA is by far the cheapest provider in Texas.

Unique City Laws

Tickets can make a good day go downhill. If you just moved to a new city, though, you might not be familiar with the local laws and accidentally end up with an expensive fine to pay.

So stick with us as we go through some of Carrollton’s unique city laws, from cellphone use laws to parking laws. It might just save you from a ticket.

Let’s dive in.

– Hands-Free Law

In Texas, the law only allows drivers to be on hand-held devices in certain areas. Drivers under 18 are not allowed to use hand-held devices at all.

Hand-Held Ban Young Drivers All Cellphone Ban Texting Ban Enforcement
Drivers in school crossing zones/on public school property (during the time the reduced speed limit applies) Drivers younger than 18 All drivers Primary

ALL drivers are prohibited from texting in Texas. If an officer sees you texting, he or she has the right to pull you over and ticket you.

While this law can be a little tricky to enforce — drivers frequently use phones for other reasons than texting, like GPS and calling — officers will ticket drivers for paying more attention to their phones than the road.

So put that phone down; it’s safer for both you and other drivers. After all, distracted driving is a major cause of fatalities in the U.S.

– Food Trucks

It seems that for every movie that takes place in a city, a food truck appears in the background at least once. Food trucks are a common sight in busy cities, and it just doesn’t seem like a city until you see a hotdog vendor.

If you want to join the food truck businesses in Carrollton, then you must follow local laws and regulations.

You will have to apply to operate a food truck, and you also will need the following documents.

  • Texas Driver’s License
  • Texas Sales Tax Permit
  • Proof of Vehicle Insurance
  • Health Permit from the Local Jurisdiction
  • Last Health Inspection
  • Proof of Completion of a Texas-Approved FSM Course

Once you have your food truck approved and ready to go, you’ll need to make sure to park it in approved areas. The last thing you want is a hefty ticket for parking in front of a fire hydrant.

As long as you follow Carrollton’s local laws, you’ll soon be ready to peddle your wares around the city.

– Tiny Homes

Tiny homes have become even more clever and creative over the years, with companies churning out attractive and space-saving solutions. If you are thinking of downsizing, then you should familiarize yourself with Carrollton’s laws for tiny homes.

For the most part, tiny homes are considered mobile homes and have many of the same regulations.

You will need to check Carrollton’s zoning laws to discover where you can put your tiny home. While you can always park in a mobile home park, if you park it in a backyard, there are a few more regulations.

For instance, you’ll need to be hooked up to amenities like water and sewer and be approved by the city to reside there. But, as long as you follow the rules, you can set up shop in a tiny home in Carrollton.

– Parking Laws

We’ve talked about the difficulty of street parking earlier, but it doesn’t matter how busy a street is — wrong-way parking is illegal and will earn you a ticket.

You’ve probably seen cars facing the wrong way before on busy streets, as people insist on parking the wrong way even though it’s illegal.

Wrong-way parking is dangerous, as you have to pull into oncoming traffic to park. If you are concerned about finding a parking spot, you can always reserve a spot at a local garage, that way, you won’t panic when you see that one open spot and swerve into it the wrong way.

Carrollton Car Insurance FAQs

There’s so much to cover about car insurance and living in a city and we understand that maybe not all of your questions were answered. To remedy that, we are going to go through the most frequently asked questions about Carrollton.

So keep reading to see what others are asking about living and driving in Carrollton.

– What to do in Carrollton, Texas?

If you’re easily bored, the good news is that Carrollton has plenty of attractions. Like most cities, it boasts seasonal events, a great downtown environment, and entertainment.

There are also great nature trails and parks in Carrollton if you want to escape the busy city for a while.

– What Cities are Near Carrollton, Texas?

Carrollton is right by Dallas, one of the biggest cities in Texas. So if you want to visit a major Texas city, Dallas will provide you with a glimpse into Texas’s hub of activity.

Carrollton is also about an hour’s drive from Fort Worth, another well-known city in Texas.

– Is Carrollton, Texas Safe?

Carrollton has earned its name as one of the safest cities in Texas. Its crime index of 36 means its safer than 36 percent of all U.S. cities.

With such a low crime rate, Carrollton is a great place for families.

– Is Carrollton, Texas Dog-Friendly?

Carrollton is also a great place for dogs. If you can’t imagine leaving your dog behind when you go out, there are plenty of dog-friendly places you can bring Fido along to.

From restaurants to parks, you’re sure to see plenty of dogs out and about with their owners.

– What Happens if I Get in a Car Accident in Carrollton?

Texas is an at-fault state. So if you cause a car accident in Carrollton, you will be held liable for property damage and injury costs. Just another reason why it’s so important to have great insurance.

So make sure to use our guide to find the best insurer for you, as good insurance is a must-have in Texas.

You’ve now reached the end of our guide, and we hope it proved useful to you. Hopefully, you are now prepared with all the tools you need to live and drive in Carrollton.

If you want to start comparison shopping today, enter your zip code in our FREE online tool below.

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