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How much is car insurance in Temple?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, auto insurance rates in Temple are about the same as the rest of Georgia.
Drivers relocating the Temple should take note of the differences in average rates. The average monthly payment in Temple is about $22 more expensive than the rate for the rest of the U.S.
While these are the average car insurance rates for Temple, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've done the heavy lifting for you and broken down the average rate for Temple so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay twice 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. Once you hit retirement age, however, you may see your rates creep back up a bit in Temple.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. The difference in Temple is about $4 per month. Based on the chart above, you can see that female drivers pay around $100 on average, while male drivers typically pay $104 each month.
Average 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 with clean records will pay much lower rates than those with accidents or violations. Drivers in Temple with one accident will pay around $137 a month. Likewise, drivers with one ticket will be looking at a rate of around $157 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$115|
|15 Years or Older||$100|
According to the first table above, SUVs are by and large the cheapest vehicles to insure in Temple, with drivers paying around $100 per month for auto insurance.
Car owners can expect to pay an average of around $103 a month for their policy, while truck and van drivers are usually around $101 to insure each month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is close to 5 years old. In Temple, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$111|
More often than not, those who are currently married will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
According to the table above, the difference in rates based on relationship status in Temple can be as much as $34 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$138|
One other element taken into consideration is your living situation. Renters can expect to pay around $18 a month more than those who own their own home in Temple. Those who live with their parents, however, 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 average costs.
Car Insurance Companies in Temple, GA
Recent trends in car insurance for Temple drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The rates for car insurance in Temple increased from 2016-2017, but began to turn downward in 2020. This pattern has continued through 2021 when rates have most recently hit $68 a month.
How does Temple compare to neighboring areas?
Why are car insurance rates in Temple different from other areas?
Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. Your insurance policy will depend largely on where you call home and will be influenced by things such as:
- Area laws
- Area crime rates
- Off-street parking availability
- Total drivers
- Road safety
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making 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?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies offering coverage in Temple.
Temple Insurance FAQs
What factors affect car insurance quotes in Temple?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Temple different from other neighboring cities?
Crime rates, parking situations, and local laws -- 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 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?
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, 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.