Terrell, TX Car Insurance

Drivers in Terrell pay, on average, $59 a month for their car insurance. To learn more about policy rates and coverage in the Terrell area, continue reading our guide below.
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Compared to their surrounding area, how do rates in Terrell stack up? What about against the rest of Texas? What should residents of Terrell expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Terrell?

Area Average Monthly Car Insurance Premium
Terrell$59
TX$65
United States$81

Looking at the chart above, you can see it's around $6 a month cheaper to insure your vehicle in Terrell than it is in the rest of Texas.

Compared to the rest of the country, auto insurance in Terrell is more affordable. The average monthly payment for the United States as a whole is about $22 more expensive than in Terrell.

Although these are the average rates for auto insurance in Terrell, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Terrell so that you can get a more accurate idea of what your policy will cost you. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$99
25-34$54
35-44$52
45-54Not Enough Data
55-64$44
65+$48

Generally, the older you are the more experienced you are behind the wheel, right? That experience can lead to some serious savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay twice as much as someone who is at retirement age.

For every 10 years, you can expect to see a decrease in your monthly premium. Having said that, once you approach retirement age your rates may begin to increase again in Terrell.

Average Car Insurance Rates by Gender

Gender Average
Male$60
Female$58

Female drivers pay, on average, slightly less than their male counterparts. The price for car insurance in Terrell, however, is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$84
Multiple Accidents$91
1 Ticket$79
Multiple Tickets$100

Rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay significantly lower rates than those with infractions. In Terrell, a driving record with one accident will usually get you a rate around $84 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $79 on average.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$78
2-3 Years$59
4-5 Years$73
6-7 Years$55
8-10 Years$59
11-14 Years$64
15 Years or Older$55

In terms of affordable coverage, the cheapest vehicles to insure in Terrell are typically trucks and vans, at $56 per month.

SUV drivers will see rates of about $57, while the rates for car owners average out to about $61 per month.

You may also see different rates based on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is close to 5 years old you may start to see your rates drop back down a bit. In Terrell, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$62
Married$48
Divorced$59
Widowed$48

More often than not, married policyholders will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

The cost of auto insurance in Terrell reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $14 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$53
Rent$60
Live with parents$77

One other element taken into consideration is your living accommodations. If you rent your home or apartment in Terrell, expect to pay around $7 a month more than if you own property. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Terrell, TX

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

The cost of car insurance coverage in Terrell declined from 2019-2020, before steadying out in 2021. Policy premiums finished down in 2022, at $59 a month

How does Terrell compare to neighboring areas?

Why are car insurance rates in Terrell different from other areas?

Car insurance companies look at numerous factors when they're choosing how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:

  • Rate of car accidents
  • Amount of drivers in the community
  • Access to off-street parking
  • Regional regulations
  • Crime rates

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Terrell?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Fortunately, Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions about your driving profile, and you'll be quickly comparing the cheapest quotes from the many car insurance companies offering coverage in Terrell.


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Terrell Insurance FAQs

What factors affect car insurance quotes in Terrell?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Terrell different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, crime rates, and parking situations when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Terrell?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Terrell?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Terrell or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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