Terrell drivers pay an average of $2,198/year — $427 more than the national average. With 213 crashes per year and a 1.8 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $482/year.
(888) 217-6781Estimated full coverage auto insurance rates for Terrell, TX from top carriers. Rates are adjusted for Terrell's 213 annual crashes, 1.8 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $731 | $122/mo |
| GEICO | $833 | $139/mo |
| Progressive | $941 | $157/mo |
| State Farm | $1,027 | $171/mo |
| Allstate | $1,252 | $209/mo |
Estimates based on 2026 rate filings for ZIP 75160. USAA is cheapest at ~$122/mo. Actual rates vary by driver profile and exact Terrell location.
These Terrell-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Terrell, TX. Takes under 2 minutes.
(888) 217-6781Terrell is a smaller city in Texas with a population of 17,465. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, tornadoes, hail, flooding, extreme heat, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Terrell.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Terrell can swing your premium by hundreds of dollars. Here's how rates compare across Terrell neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 75175 | Terrell South Side | $2,042/yr | $170/mo |
| 75163 | Terrell North Side | $2,163/yr | $180/mo |
| 75164 | Terrell West Side | $2,194/yr | $183/mo |
| 75168 | Terrell East Side | $2,218/yr | $185/mo |
| 75160 | Terrell Downtown/Central | $2,415/yr | $201/mo |
The cheapest ZIP is 75175 (Terrell South Side) at $2,042/yr. The most expensive is 75160 (Terrell Downtown/Central) at $2,415/yr — a $373/year difference for the same driver.
Your Terrell ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Terrell. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,616/yr | $385/mo | +110% vs avg |
| Young Adult (20-25) | $3,077/yr | $256/mo | +40% vs avg |
| Adult (26-35) | $2,198/yr | $183/mo | 0% vs avg |
| Mid-Career (36-50) | $1,934/yr | $161/mo | -12% vs avg |
| Senior (51-65) | $1,824/yr | $152/mo | -17% vs avg |
| 65+ | $1,956/yr | $163/mo | -11% vs avg |
Teens in Terrell pay an average of $4,616/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,824/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Terrell drivers can save up to $482/year. ZIP 75175 (Terrell South Side) has the lowest rates starting at $2,042/yr.
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