Carrollton, TX
Carrollton, TX car and homeowners insurance
How Carrollton households can compare car and home coverage, with local Census data. A quote is not a binder.
Carrollton has about 135,456 residents in Denton County. 65% of its workers drive to work alone and 59% of households own their home, so most families here need both a car policy and a homeowners policy.
How Carrollton gets around
| Measure | Carrollton | Texas |
|---|---|---|
| Drive alone to work | 65% | 71% |
| Carpool | 10% | 10% |
| Work from home | 22% | 14% |
| Commute of 45 minutes or more | 10% | 17% |
| Commute under 15 minutes | 19% | 25% |
| Households with no vehicle | 3% | 5% |
| Households with 3 or more vehicles | 21% | 22% |
Source: U.S. Census Bureau, American Community Survey 5-year estimates, 2020–2024 (tables B08301, B08303, B25044, B25003, B25077, B25035), via Census Reporter.
Carrollton commutes are shorter than the Texas norm, with 10% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
Remote work is common here: 22% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
21% of Carrollton households keep three or more vehicles, and 3% have none. Multi-car households can usually save by insuring every vehicle on one policy.
Owning a home in Carrollton
Census figures put Carrollton's median home value at $381,000 (Texas: $283,800) and its median year built at 1988. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
Benchmark: $2,734 was the average 2023 Texas HO-3 premium at the $350,000–$399,999 coverage level, per the NAIC. Countrywide, the all-amounts HO-3 average was $1,737.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Carrollton
The state minimum is 30/60/25. Additional requirement: none beyond liability (PIP and UM must be rejected in writing). See our state minimums guide for how these compare across our ten states.
Bundling auto and home in Carrollton
A bundle can simplify life in Carrollton: one renewal date, one claim contact after a storm, and an easier path to an umbrella policy. Read our bundling guide before you decide.
What can go wrong in Carrollton
Plan for large hail, along with Gulf hurricanes near the coast. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
See FEMA's National Risk Index for local hazard scores.
How Carrollton compares in Texas
Denton shows 14% working from home and a median home value of $348,200. Lewisville shows 19% working from home and a median home value of $378,500. Houston shows 13% working from home and a median home value of $277,800. For share of 45-minute-plus commutes, Carrollton is 19th of 30 Texas cities on this site.
What to have ready for a Carrollton quote
- Current declarations pages for auto and home
- Drivers' names and dates of birth
- Recent claims or violations
- Annual mileage for each car
- Your Carrollton address, square footage, and year built
- Liability limits you want
Carrollton auto and home insurance FAQ
What auto insurance is required in Carrollton?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
How long are commutes in Carrollton?
About 10% of Carrollton workers commute 45 minutes or more and 19% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Carrollton?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
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Last updated October 15, 2026 · How we research