Cheapest Car Insurance Quotes in Terryville

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Terryville Car Insurance

^$ 54

/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 Terryville

The car insurance rate in Terryville is $1445 for a six-month policy, which is $14 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $738, making it a popular choice for budget-conscious drivers. Rates in Terryville 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 Terryville

$1445

Avg. Car Insurance in Connecticut

$1431

National Average

$1278

Cheapest Car Insurance Companies in Terryville

1st place: Kemper

At $738 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Travelers

Travelers offers auto insurance rates at $762 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $894 for six months, making it the third cheapest auto insurance company in Terryville.

Terryville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Terryville, CT is Kemper, offering policies at just $738 for a six-month term. This is followed by Travelers, which has an average six-month premium of $762.

At the higher end of the spectrum, Hanover is the most expensive, with rates reaching $3390 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Terryville drivers find the best deals.

Cheap Car Insurance Companies in Terryville, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$738	$124
Travelers	$762	$129
USAA	$894	$150
Amica Mutual	$996	$168
State Farm	$1194	$201
Progressive	$1326	$223
Allstate	$1434	$241
Nationwide	$1482	$249
Amica	$1578	$263
Farmers	$2112	$360
Hanover	$3390	$571

Key Takeaways

Way's key takeaways about car insurance in Terryville

The auto insurance costs in Terryville fall around $738 for six months.
The cheapest auto insurance company in Terryville is USAA.
Teen drivers pay the highest rate in Terryville at $1423 per month.

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Cheapest Minimum Liability Car Insurance in Terryville

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 Terryville are given below.

USAA provides the cheapest minimum car insurance coverage in Terryville. Their Average 6 Month Premium is $312. Farmers is the most expensive at $978 for the same period.

Cheapest Liability Coverage in Terryville, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$312	$54
Kemper	$330	$56
Amica Mutual	$444	$75
Amica	$450	$75
Progressive	$468	$79
State Farm	$492	$83
Nationwide	$551	$93
Allstate	$642	$108
Hanover	$1278	$217
Travelers	$282	$47
Farmers	$978	$167

Cheapest Full Coverage Car Insurance in Terryville

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 Terryville is Kemper at $124 per month and $738 for six months.

Cheapest Full Coverage Car Insurance Quotes in Terryville, CT

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$738	$124
Travelers	$762	$129
USAA	$894	$150
Amica Mutual	$996	$168
State Farm	$1194	$201
Progressive	$1326	$223
Allstate	$1434	$241
Nationwide	$1482	$249
Amica	$1578	$263
Farmers	$2112	$360
Hanover	$3390	$571

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Average Car Insurance in Terryville 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 Terryville, CT increasing?

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

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

Car Insurance Premiums by Age in Terryville

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 Terryville,CT

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Terryville at $63 per month. At $8369 for a six-month premium, Travelers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$372	$63
Amica Mutual	$462	$77
USAA	$1266	$213
Amica	$2238	$377
Allstate	$2478	$417
State Farm	$2651	$446
Progressive	$3750	$631
Nationwide	$5177	$872
Hanover	$7913	$1345
Farmers	$8009	$1335
Travelers	$8369	$1423

Teen Car Insurance Rates in CT 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 Terryville, Kemper is the cheapest car insurance provider. At $426 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 Terryville is Amica, offering rates of around $4961 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$426	$71
Amica Mutual	$780	$132
USAA	$1488	$248
Travelers	$1506	$257
Progressive	$1782	$300
Allstate	$1944	$327
Nationwide	$2040	$343
State Farm	$3461	$583
Farmers	$4253	$709
Amica	$4961	$843

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Car Insurance Rates with An Accident in Terryville

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 Terryville, CT, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Terryville include Amica Mutual and Kemper, offering $522 and $546, respectively. Hanover is an expensive provider with an average six-month premium of $6053.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Amica Mutual	$522	$87
Kemper	$546	$92
State Farm	$851	$143
Travelers	$851	$144
USAA	$864	$145
Amica	$1530	$258
Progressive	$1818	$306
Nationwide	$2316	$390
Allstate	$4355	$726
Farmers	$4830	$821
Hanover	$6053	$1009

Terryville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Terryville CT. For example, the car insurance in Terryville after a DUI increases to $1914 for a six month policy. While the rate increases by $252 for a six-month policy in the case of a speeding ticket.

Terryville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1224	$204
One Med/PIP claim	$1224	$208
Not-at-fault accident	$1266	$211
Two Med/PIP claims	$1272	$216
One comp claim	$1290	$215
Two comp claims	$1368	$232
Driving without lights	$1422	$237
Failure to wear a seat belt	$1440	$244
Child safety restraint	$1457	$243
Failure to show documents	$1463	$248
Speeding 6 - 10 MPH over limit	$1476	$246
Driving with expired registration	$1482	$251
Speeding 11 - 15 MPH over limit	$1482	$247
Speeding 16 - 20 MPH over limit	$1482	$251
Cell phone violation	$1488	$248
Texting while driving	$1488	$253
Driving too slowly	$1494	$249
Failure to stop at a red light	$1494	$254
Failure to yield	$1494	$249
Following too closely	$1494	$254
Illegal turn	$1494	$249
Improper passing	$1500	$256
Wrong way/wrong lane	$1500	$250
Speeding in school zone	$1506	$257
Speeding 21 - 25 MPH over limit	$1524	$254
At-fault accident - less than $1000	$1542	$263
In 65 MPH zone	$1602	$267
Operating a vehicle without permission	$1655	$282
Open container	$1746	$291
At-fault accident - $1000-$2000	$1914	$325
At-fault accident - greater than $2000	$1914	$319
Passing school bus	$2238	$381
Reckless driving	$2946	$491
Racing	$3036	$516
Driving with a suspended license	$3059	$510
Refusal to submit to a chemical test	$3084	$524
DUI	$3138	$523
Leaving scene of an accident/hit and run	$3192	$542

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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 Terryville 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 Terryville.

The cheapest car insurance premiums in Terryville are offered by Kemper at $666 for a six-month policy. However, it can be as expensive as $17776 with companies like Hanover.

Terryville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$666	$112
Progressive	$1272	$214
USAA	$1278	$215
Travelers	$1314	$219
Allstate	$1632	$275
State Farm	$1661	$280
Amica Mutual	$2753	$464
Nationwide	$3065	$516
Farmers	$5057	$860
Amica	$5538	$923
Hanover	$17776	$3023

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 Terryville are offered by Kemper at $420. However, it can be as expensive as $4824 with companies like Hanover for a similar six-month premium.

Cheapest Car Insurance in Terryville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$420	$70
Amica Mutual	$510	$87
State Farm	$1032	$174
Travelers	$1032	$176
USAA	$1032	$172
Allstate	$1170	$197
Nationwide	$1457	$245
Progressive	$1572	$265
Amica	$1830	$305
Farmers	$2700	$460
Hanover	$4824	$804

Car Insurance Price Trends in Terryville, Connecticut

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

The average cost of full coverage in the Terryville rose by $333 in January compared to $240 of December. In other words, there has been an increase by $93 when you compare January and December.

The average cost of liability insurance in the Terryville dipped to $82 in January, compared to $87 in December. This represents an decrease of $5 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Terryville?

The car insurance in Terryville is $54 per month, which is lower than the national average.

What is the cheapest car insurance in Terryville?

The cheapest car insurance in Terryville is $124 per month for full coverage.

How much is car insurance in Terryville for teenagers?

Car insurance for teenagers costs $372 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 Terryville?

The average cost of car insurance is $1431 for a six-month policy. It will cost around $243 per month to insure your car in Terryville.

Is car insurance expensive in Terryville?

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

What is the best car insurance in Terryville, CT?

The best car insurance company in Terryville CT is Kemper, offering $738 for a six-month policy.