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Finding the cheapest car insurance quotes in Terrell shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
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 Terrell
The car insurance rate in Terrell is $920 for a six-month policy, which is $18 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $412, making it a popular choice for budget-conscious drivers. Rates in Terrell 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.
At $412 for a six
month policy, Erie offers
the cheapest
auto
insurance rates in the city.
2nd place: Progressive
Progressive offers auto
insurance rates at $491 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $563
for six months, making it
the third cheapest auto insurance company in Terrell.
Terrell Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Terrell, NC is Erie, offering policies at just $412 for a six-month term. This is followed by Progressive, which has an average six-month premium of $491.
At the higher end of the spectrum, Penn National is the most expensive, with rates reaching $1175 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Terrell drivers find the best deals.
Way's key takeaways about car insurance in Terrell
The auto insurance costs in Terrell fall around $412 for six
months.
The cheapest auto insurance company in Terrell is Erie.
Teen drivers pay the highest rate in Terrell at $62 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Terrell
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 Terrell are given below.
Erie provides
the cheapest minimum car insurance
coverage in Terrell. Their Average 6 Month Premium is $182.
National Farmers Union Insurance is the most
expensive at $315 for the same
period.
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 Terrell is Erie
at $69 per month and $412
for six months.
Cheapest Full Coverage Car Insurance Quotes in Terrell,
NC
Get Your Car Insurance Quote in Terrell
Instantly!
Average Car Insurance in Terrell 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 Terrell, NC increasing?
Despite maintaining a clean driving record, your car insurance rates
in Terrell, North Carolina, may be increasing due to several external factors.
North Carolina has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Terrell's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Terrell
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
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
North Carolina Farm Bureau
$415
30s
North Carolina Farm Bureau
$415
40s
North Carolina Farm Bureau
$415
50s
North Carolina Farm Bureau
$415
60s
North Carolina Farm Bureau
$415
70s
North Carolina Farm Bureau
$415
Cheapest Car Insurance Rates for Teen Drivers in
Terrell,NC
If you are planning to get a car insurance policy for your teenage
dependent, Progressive provides the cheapest car
insurance in the Terrell at $90
per
month. At $363 for a six-month premium,
National General offers the most expensive rate for
teen drivers.
If you are in your twenties North Carolina Farm Bureau is
the best choice for car
insurance in Terrell.
As young drivers face the highest rates in Terrell, North Carolina Farm Bureau
offers the cheapest auto insurance rates at $415 for six months.
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 Terrell,
North Carolina Farm Bureau is
the cheapest car insurance provider. At $182 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
Terrell is Allstate, offering
rates of around $3205 for six
months.
Save up to $971/yr on car insurance rates in Terrell.
Car Insurance Rates with An Accident in Terrell
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 Terrell, NC,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Terrell
The cheapest car insurance companies after an at-fault accident in
Terrell include Progressive
and Erie, offering $515
and $521,
respectively. Farmers is an expensive provider
with an average six-month premium of
$540.
Here is a list of driving violations that can increase your car
insurance rates in Terrell NC. For example, the car
insurance in Terrell
after a DUI increases to $1885 for a six
month policy. While the rate increases by $225 for a six-month policy in the case of
a speeding ticket.
Terrell auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$581
$97
One Med/PIP claim
$581
$99
Not-at-fault accident
$588
$98
One comp claim
$600
$102
Two Med/PIP claims
$600
$100
Two comp claims
$618
$105
Failure to show documents
$684
$114
Child safety restraint
$758
$129
Driving without lights
$758
$126
Failure to wear a seat belt
$758
$129
Cell phone violation
$800
$134
Texting while driving
$800
$136
Speeding 6 - 10 MPH over limit
$806
$135
Driving with expired registration
$812
$138
Driving too slowly
$824
$138
Failure to stop at a red light
$824
$140
Failure to yield
$824
$138
Illegal turn
$824
$140
Open container
$824
$138
Operating a vehicle without permission
$824
$140
Wrong way/wrong lane
$824
$138
Speeding in school zone
$830
$141
At-fault accident - $1000-$2000
$836
$140
At-fault accident - less than $1000
$836
$142
In 65 MPH zone
$884
$148
Speeding 11 - 15 MPH over limit
$884
$150
Speeding 16 - 20 MPH over limit
$884
$148
Speeding 21 - 25 MPH over limit
$884
$150
Improper passing
$903
$151
Following too closely
$909
$155
At-fault accident - greater than $2000
$975
$162
Passing school bus
$1109
$189
Reckless driving
$1121
$187
Driving with a suspended license
$1733
$295
Leaving scene of an accident/hit and run
$2436
$406
Refusal to submit to a chemical test
$2460
$418
DUI
$2466
$411
Racing
$2508
$426
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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 Terrell 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 Terrell.
The cheapest car insurance premiums in
Terrell are
offered by National General at $418 for a six-month policy.
However, it can be as
expensive as $1387 with companies
like Farmers.
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 Terrell are offered by North Carolina Farm Bureau
at $194. However,
it can be as expensive as $2114
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Terrell after Speeding ticket
Car Insurance Price Trends in Terrell,
North Carolina
Car insurance rates in Terrell have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Terrell rose by
$116 in October
compared to $114 of September. In other words, there has been an increase by $2 when you
compare October and September.
The average cost of liability insurance in the Terrell rose to $56 in October,
compared to $54 in September.
This represents an increase of $2
when comparing October and September.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Terrell. At $1840 for a
six-month policy, insuring
your car at 28682 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Terrell?
The car insurance in Terrell is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Terrell?
The cheapest car insurance in Terrell
is $69 per month
for full coverage.
How much is car insurance in Terrell for teenagers?
Car insurance for teenagers costs $533 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
Terrell?
The average cost of car insurance is $902 for a six-month
policy. It will cost around $155 per month to insure your
car in Terrell.
Is car insurance expensive in Terrell?
Car insurance can be expensive in Terrell if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Terrell can be
affordable.
What is the best car insurance in Terrell,
NC?
The best car insurance company in Terrell
NC is
Erie, offering $412 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Terrell, NC
Car Insurance Rates by State in the USA (2025 Update)
Terrell Car Insurance
