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How much is car insurance in Temple?
|Area||Average Monthly Car Insurance Premium|
Car insurance coverage in Temple is about $5 cheaper than it is in the rest of Georgia.
On the other hand, Temple residents will likely pay higher rates for their insurance policy than the rest of the country. You can expect to pay about $20 more for your policy in Temple.
Although these are the average rates for auto insurance in Temple, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Temple residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Temple Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving, right? When it comes to auto insurance premiums, that experience pays off. In this case, 18-24-year-olds pay two times as much as drivers 65 and older.
As you get older, you can expect to see a drop in your monthly premium every 10 years. As you get closer to retirement, however, you may see your rates climb back up in Temple.
Temple Car Insurance Rates by Gender
On average, female drivers pay slightly less for car insurance than their male counterparts. The difference in average rates in Temple totals about $10 a month. Looking at the table above, you can see that female drivers pay around $96 on average, while male drivers typically pay $106 each month.
Temple Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Temple, a driving record with a single accident will usually get you a rate around $138 a month. In addition, drivers with one ticket can expect to pay around $122 a month on average.
Temple Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$114|
|15 Years or Older||$95|
If you look at the first table above, the cheapest vehicles to insure in Temple are usually trucks and vans, at $95 per month.
SUV drivers will see rates of about $99, while the rates for car owners average out to about $102 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Temple are vehicles four-to-five years old.
Temple Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$107|
Generally speaking, car insurance is slightly cheaper for married policyholders. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Temple is no exception, with the difference totaling to around $33 a month.
Temple Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$130|
Your housing status is another component of how insurance companies calculate your monthly rate. In Temple, homeowners can expect to pay around $19 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.
Car Insurance Companies in Temple, GA
Recent trends in car insurance for Temple drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Temple, car insurance rates declined from 2017-2018, before leveling out in 2019. Car insurance rates finished down in 2022, at $75 a month
How does Temple compare to neighboring areas?
Why are car insurance rates in Temple different from other areas?
When considering how much to charge for coverage, car insurance companies will review several factors. The price of your insurance policy will depend largely on where you park your car and will be influenced by things such as:
- Off-street parking availability
- Regional laws
- Road Safety (frequency of local car accidents)
- Number of drivers in the region
You'll be hard pressed to change any of these factors yourself, but they're worth considering when thinking about the purchase of a new policy or a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Temple?
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.
But wait! Compare.com will handle the heavy lifting for you. Put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer policies in Temple.
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Temple Auto Insurance FAQs
What factors affect car insurance quotes in Temple?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.
Why is the cost of car insurance in Temple different from other neighboring cities?
Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Temple?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Temple?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Temple or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.
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