Cheapest Car Insurance Quotes in Tarrant

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399,755 Policies Sold

Tarrant Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Tarrant

The car insurance rate in Tarrant is $1095 for a six-month policy, which is $159 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $591, making it a popular choice for budget-conscious drivers. Rates in Tarrant can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Tarrant

$1095

Avg. Car Insurance in Alabama

$936

National Average

$1140

Cheapest Car Insurance Companies in Tarrant

1st place: AutoOwners Insurance Co

At $591 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $771 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $834 for six months, making it the third cheapest auto insurance company in Tarrant.

Tarrant Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Tarrant, AL is AutoOwners Insurance Co, offering policies at just $591 for a six-month term. This is followed by State Farm, which has an average six-month premium of $771.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2342 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tarrant drivers find the best deals.

Cheap Car Insurance Companies in Tarrant, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$591	$98
State Farm	$771	$130
Travelers	$834	$140
Country Financial	$855	$144
Cincinnati	$882	$149
USAA	$910	$153
Auto-Owners	$973	$164
Nationwide	$1230	$209
Allstate	$1251	$211
Progressive	$1411	$238
Farmers	$2342	$391

Key Takeaways

Way's key takeaways about car insurance in Tarrant

The auto insurance costs in Tarrant fall around $591 for six months.
The cheapest auto insurance company in Tarrant is Cincinnati.
Teen drivers pay the highest rate in Tarrant at $1368 per month.

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Cheapest Minimum Liability Car Insurance in Tarrant

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Tarrant are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Tarrant. Their Average 6 Month Premium is $153. Farmers is the most expensive at $889 for the same period.

Cheapest Liability Coverage in Tarrant, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$153	$26
Mercury	$167	$28
Country Financial	$257	$43
Auto-Owners Insurance Co	$264	$44
USAA	$264	$44
State Farm	$271	$46
Travelers	$291	$49
Auto-Owners	$333	$56
Progressive	$473	$80
Nationwide	$501	$83
Allstate	$549	$92
Farmers	$889	$149

Cheapest Full Coverage Car Insurance in Tarrant

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Tarrant is AutoOwners Insurance Co at $98 per month and $591 for six months.

Cheapest Full Coverage Car Insurance Quotes in Tarrant, AL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$591	$98
State Farm	$771	$130
Travelers	$834	$140
Country Financial	$855	$144
Cincinnati	$882	$149
USAA	$910	$153
Auto-Owners	$973	$164
Nationwide	$1230	$209
Allstate	$1251	$211
Progressive	$1411	$238
Farmers	$2342	$391

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Average Car Insurance in Tarrant by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Tarrant, AL increasing?

Despite maintaining a clean driving record, your car insurance rates in Tarrant, Alabama, may be increasing due to several external factors. Alabama has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Tarrant's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Tarrant

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Tarrant,AL

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Tarrant at $28 per month. At $8124 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$167	$28
Country Financial	$264	$44
Travelers	$1633	$275
USAA	$1981	$333
State Farm	$2064	$347
Auto-Owners	$3148	$536
Allstate	$4066	$684
Nationwide	$4948	$841
Progressive	$7124	$1199
Farmers	$8124	$1368

Teen Car Insurance Rates in AL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Tarrant, Cincinnati is the cheapest car insurance provider. At $215 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Tarrant is Farmers, offering rates of around $3787 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$215	$36
Country Financial	$369	$63
Nationwide	$501	$83
Travelers	$1049	$177
USAA	$1258	$209
Progressive	$1501	$253
Allstate	$2376	$397
State Farm	$2731	$464
Auto-Owners	$3016	$503
Farmers	$3787	$644

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Car Insurance Rates with An Accident in Tarrant

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Tarrant, AL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Tarrant

The cheapest car insurance companies after an at-fault accident in Tarrant include Cincinnati and AutoOwners Insurance Co, offering $236 and $369, respectively. Farmers is an expensive provider with an average six-month premium of $3246.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$236	$40
Auto-Owners Insurance Co	$369	$63
Country Financial	$369	$62
Safeway	$459	$77
Travelers	$667	$112
State Farm	$744	$125
USAA	$924	$156
Auto-Owners	$986	$166
Allstate	$1564	$263
Progressive	$2272	$383
Nationwide	$2328	$388
Farmers	$3246	$552

Tarrant Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Tarrant AL. For example, the car insurance in Tarrant after a DUI increases to $945 for a six month policy. While the rate increases by $271 for a six-month policy in the case of a speeding ticket.

Tarrant auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1140	$190
One Med/PIP claim	$1140	$194
One comp claim	$1175	$195
Two Med/PIP claims	$1175	$200
Not-at-fault accident	$1182	$197
Two comp claims	$1237	$211
Driving without lights	$1355	$226
Failure to wear a seat belt	$1369	$233
Failure to show documents	$1376	$229
Child safety restraint	$1383	$235
Cell phone violation	$1404	$234
Driving with expired registration	$1404	$239
Driving too slowly	$1411	$235
Speeding 6 - 10 MPH over limit	$1411	$240
Speeding in school zone	$1411	$235
Texting while driving	$1411	$240
Speeding 11 - 15 MPH over limit	$1425	$238
Wrong way/wrong lane	$1425	$242
Failure to yield	$1432	$239
Following too closely	$1432	$243
Illegal turn	$1432	$239
Speeding 16 - 20 MPH over limit	$1432	$243
Failure to stop at a red light	$1439	$240
Improper passing	$1439	$245
Passing school bus	$1487	$248
Speeding 21 - 25 MPH over limit	$1494	$254
At-fault accident - less than $1000	$1508	$252
In 65 MPH zone	$1529	$260
At-fault accident - $1000-$2000	$1647	$275
Operating a vehicle without permission	$1681	$285
At-fault accident - greater than $2000	$1695	$283
Open container	$1730	$294
Reckless driving	$1918	$319
Driving with a suspended license	$2002	$340
Racing	$2029	$338
Refusal to submit to a chemical test	$2043	$347
DUI	$2085	$347
Leaving scene of an accident/hit and run	$2168	$369

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Tarrant after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Tarrant.

The cheapest car insurance premiums in Tarrant are offered by Cincinnati at $319 for a six-month policy. However, it can be as expensive as $3120 with companies like Farmers.

Tarrant car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$319	$54
Country Financial	$431	$73
Travelers	$820	$138
State Farm	$1230	$207
USAA	$1376	$232
Allstate	$1452	$245
Progressive	$1459	$246
Auto-Owners	$1849	$311
Nationwide	$3106	$518
Farmers	$3120	$530

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Tarrant are offered by Cincinnati at $160. However, it can be as expensive as $2995 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Tarrant after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$160	$27
Country Financial	$229	$39
Auto-Owners Insurance Co	$305	$51
State Farm	$515	$87
Travelers	$792	$133
USAA	$841	$143
Auto-Owners	$1021	$171
Allstate	$1536	$261
Progressive	$2127	$355
Farmers	$2995	$509

Car Insurance Price Trends in Tarrant, Alabama

Car insurance rates in Tarrant have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Tarrant rose by $232 in December compared to $228 of November. In other words, there has been an increase by $4 when you compare December and November.

The average cost of liability insurance in the Tarrant rose to $59 in December, compared to $57 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Tarrant?

The car insurance in Tarrant is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Tarrant?

The cheapest car insurance in Tarrant is $98 per month for full coverage.

How much is car insurance in Tarrant for teenagers?

Car insurance for teenagers costs $167 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Tarrant?

The average cost of car insurance is $936 for a six-month policy. It will cost around $184 per month to insure your car in Tarrant.

Is car insurance expensive in Tarrant?

Car insurance can be expensive in Tarrant if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Tarrant can be affordable.

Cheapest Car Insurance Quotes in Tarrant

Why you can trust Way?

How Much Is Car Insurance in Tarrant

Avg. Car Insurance in Tarrant

Avg. Car Insurance in Alabama

National Average

Cheapest Car Insurance Companies in Tarrant

1st place: AutoOwners Insurance Co

2nd place: State Farm

3rd place: Travelers

Tarrant Car Insurance Rates by Company

Cheap Car Insurance Companies in Tarrant, AL

Way's key takeaways about car insurance in Tarrant

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Tarrant

Cheapest Liability Coverage in Tarrant, AL

Cheapest Full Coverage Car Insurance in Tarrant

Cheapest Full Coverage Car Insurance Quotes in Tarrant, AL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Tarrant by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Tarrant, AL increasing?

Car Insurance Premiums by Age in Tarrant

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Tarrant,AL

If you are in your twenties N/A is the best choice for car insurance in Tarrant.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Tarrant

Cheapest Car Insurance Companies after an At-Fault Accident in Tarrant

Tarrant Car Insurance Rates by Violation

Tarrant auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Tarrant after a DUI

Tarrant car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Tarrant after Speeding ticket

Car Insurance Price Trends in Tarrant, Alabama

Average Car Insurance Cost in Tarrant by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Tarrant, AL

Car Insurance Rates by State in the USA (2025 Update)

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