Table of contents
How much is car insurance in Temple City?
|Area||Average Monthly Car Insurance Premium|
Compared to the rest of the California, coverage in Temple City is about $5 a month cheaper.
Similarly, when compared to the national average, the cost for auto insurance in Temple City is lower. The average monthly payment for the U.S. as a whole is about $29 more expensive than in Temple City.
While these numbers represent the average monthly payments for coverage in Temple City, that doesn't mean it's what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all taken into consideration when calculating the final dollar amount you'll be asked to pay each month.
But don't worry, we've broken down average rates for Temple City residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay twice as much as someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, your rates may begin to increase again in Temple City.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Temple City, however, the difference in monthly rates for auto insurance is minimal.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Your driving record can have a huge impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Temple City with a single accident on their record is about $52 a month. Likewise, drivers with one ticket will be looking at a rate of around $63 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$45|
|15 Years or Older||$51|
If you look at the first table above, the cheapest vehicles to insure in Temple City are usually trucks and vans, at $44 per month.
The cost of auto insurance for car and SUV owners in Temple City usually comes out to about $52 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Temple City, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$55|
On average, those who have settled down into marriage will pay slightly less for car insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, single drivers usually pay more than married couples do for auto insurance. Temple City follows that pattern, with the difference totaling to around $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$63|
Your housing status is another factor that affects your monthly rate. In Temple City, homeowners can expect to pay around $1 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Temple City, CA
Recent trends in car insurance for Temple City drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
The rates for car insurance in Temple City rose from 2016-2017, before leveling out in 2018. They finished down in 2021, at $47 per month
How does Temple City compare to neighboring areas?
Why are car insurance rates in Temple City different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Crime levels
- Local laws
- Availability of off-street parking
- Road Safety (how many accidents each locality has)
- 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. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Temple City?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies providing coverage in Temple City.
Temple City Insurance FAQs
What factors affect car insurance quotes in Temple City?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Temple City 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 Temple City?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Temple City?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Temple City or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?