Terrell, TX Car Insurance

Drivers in Terrell pay, on average, $58 a month for their car insurance. We cover plan rates, policies and more in our guide below.
How much can residents of Terrell expect to pay for their car insurance? How does Terrell stack up to the rest of the area, or even Texas as a whole? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Terrell?

Area Average Monthly Car Insurance Premium
Terrell$58
TX$64
United States$80

Based on the above chart, auto insurance policies in Terrell are about $6 a month cheaper than in the rest of Texas.

Drivers relocating from out of state may enjoy some cost savings in Terrell. It's about $22 cheaper to insure your vehicle in Terrell compared to the average rate for the U.S. as a whole.

While these are the average costs to insure your vehicle in Terrell, keep in mind that you could end up paying a different amount. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

But don't worry, we've broken down the average rates for Terrell residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$100
25-34$51
35-44$52
45-54$52
55-64$44
65+$48

The more time you've spent on the road, the more experience you have. When it comes to auto insurance rates, that experience pays off. In this case, 18-24-year-olds pay two times the price that drivers 65 and older.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Terrell may see their rates start to rise again once they hit retirement.

Average Car Insurance Rates by Gender

Gender Average
Male$58
Female$57

Car insurance rates for female drivers are usually cheaper than those for male drivers. In Terrell, although women do pay a bit less on their monthly insurance rates, the price is about the same for either group.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$81
Multiple Accidents$103
1 Ticket$112
Multiple Tickets$157

Depending on your driving record, your rates can vary quite a lot. Those with fewer accidents and tickets will pay significantly less than those with multiple infractions. In Terrell, drivers with one accident on their record will experience rates around $81 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $112 on average.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, cheap car insurance rates are dependent on driving safely and keeping your record clean.

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$54
8-10 Years$56
11-14 Years$63
15 Years or Older$53

As you can see in the first table above, the cheapest vehicles to insure in Terrell are usually trucks and vans, which run about $56 per month.

Meanwhile, Terrell drivers who own a car or SUV can expect to pay about $58 for insurance.

The age of your vehicle also plays a role in your monthly payment. Newer vehicles are generally going to be the most expensive to insure. However, if your car is a few years old, you can expect to see your rates start dropping back down. The most expensive vehicles to insure in Terrell are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$60
Married$48
Divorced$59
Widowed$48

Generally speaking, those who are currently married will pay slightly less to insure their car. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

In Terrell, the difference in rates based on relationship status can be as much as $12 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$51
Rent$58
Live with parents$78

Another factor that comes into play is your housing status. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Terrell. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.

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

Car Insurance Companies in Terrell, TX

Recent trends in car insurance for Terrell drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

In Terrell, car insurance rates had been increasing from 2016-2017, but began to decrease from 2019-2020, when they reached a low of $45. Rates finished up in 2021, at $68 a month.

How does Terrell compare to neighboring areas?

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

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Road Safety (total number of local car accidents)
  • Availability of off-street parking
  • Local regulations
  • Crime
  • Total number of drivers in the area

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. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.

How can I find the cheapest car insurance in Terrell?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto 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 age and gender but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.

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

Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

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

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, 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?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

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

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Terrell or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

Find your best rate in just a few minutes