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Carrollton, TX, part of the dynamic Dallas-Fort Worth metroplex, offers its residents a blend of small-town charm and urban convenience. The city’s location in North Texas also places it within a region that can experience a variety of natural weather phenomena, which insurers take into account.


Top Competitors and Their Prices

The following are some of the leading insurance companies in Carrollton, TX, along with an estimated range of their home insurance rates:

  • State Farm: Known for its customer service, it may offer rates from approximately $1,200 to $3,000 annually.
  • Allstate: With a strong presence in Texas, Allstate’s rates might range from $1,100 to $2,800 per year.
  • Farmers Insurance: Specializing in coverage for homes, Farmers might quote between $1,300 and $3,200 annually.
  • Liberty Mutual: Recognized for their customized coverage options, they could provide rates from $1,250 to $3,100.
  • USAA (for military families): USAA could offer competitive rates from $1,000 to $2,500, with specific discounts for military service members.
  • Nationwide: Nationwide may offer premiums between $1,150 and $3,000, factoring in various discount policies for home safety features.


Analysis On Quotes, Rates & Agents

  • Quotes: Home insurance quotes in Carrollton will typically consider the home's value, age, construction materials, and the homeowner's credit score and claims history. Insurers may also inquire about any home improvements or security systems that could impact the risk assessment.
  • Rates: Rates in Carrollton may be more competitive than in other parts of Texas due to the city’s suburban setting and relatively moderate claim rates. However, the potential for severe weather still influences premiums.
  • Agents: Local agents in Carrollton play a crucial role in helping homeowners navigate insurance options. They are familiar with Texas-specific insurance requirements and can provide insight into policies that best fit the local climate and homeowners’ needs.


Factors Influencing Insurance Rates in Carrollton, TX

  • Severe Weather Risks: Carrollton can be affected by hailstorms, tornadoes, and severe thunderstorms, which increase the risk for insurers.
  • Proximity to Fire Services: Homes closer to fire stations and hydrants might see lower rates due to quicker emergency response times.
  • Neighborhood Crime Rates: Lower crime rates in a neighborhood can lead to more favorable insurance rates.
  • Home Features: Features like swimming pools and trampolines can increase liability risk and therefore, premiums.
  • Policy Deductibles: Higher deductibles will generally result in lower annual premiums.
  • Discounts for Safety Features: Many insurers offer discounts for homes with storm shutters, reinforced roofs, and modernized electrical systems.
  • Economic Factors: The economic stability of the region and real estate trends can indirectly influence insurance costs.


In Carrollton, TX, home insurance rates are shaped by the unique weather patterns of the region and the associated risks. Residents can benefit from working closely with local agents who can advise on the appropriate coverage for their specific situation, including considerations for weather-related events. By understanding the multifaceted factors that influence premiums and exploring discounts, homeowners in Carrollton can secure suitable insurance policies at competitive rates. Regular market comparisons and policy reassessments are advisable to ensure continued optimal coverage.