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How much is car insurance in Temple Hills?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it is around $29 a month more expensive to insure your vehicle in Temple Hills than it is in the rest of Maryland.
Similarly, Temple Hills residents should prepare to pay higher rates for coverage than the rest of the country. It's around $70 more expensive to insure your vehicle in Temple Hills compared to the average rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Temple Hills, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for your car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
We've broken down the average rates for Temple Hills to help you understand what exactly you might be asked to 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!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience pays off when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. That said, once you hit retirement, your rates may start to rise again in Temple Hills.
Average Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Temple Hills, the difference comes out to about $42 a month. As illustrated in the table above, male drivers in the area pay about $170 on average, while female drivers pay around $128 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay less than those with infractions. Drivers in Temple Hills with a single accident will pay around $167 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $112.
Accidents, tickets, and other driving infractions can cost you some serious cash. So, if cheap car insurance is something you're after, drive safely and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$203|
|15 Years or Older||$132|
If you look at the first table above, the cheapest vehicles to insure in Temple Hills are typically cars, at $146 per month.
Truck and van drivers will see rates of about $198 to insure their car, while SUV owners by and large pay around $148 per month.
Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Temple Hills, vehicles six-to-seven years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$160|
Overall, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something many companies award special discounts for.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Temple Hills is no exception, with the difference totaling to around $56 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$131|
Another factor taken into consideration is your housing status. If you rent your home or apartment in Temple Hills, expect to pay around $16 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Temple Hills, MD
Recent trends in car insurance for Temple Hills drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
In Temple Hills, the rates for auto insurance increased from 2017-2019, before leveling out in 2020. Policy premiums finished down in 2022, at $105 a month
How does Temple Hills compare to neighboring areas?
Why are car insurance rates in Temple Hills different from other areas?
There are numerous factors car insurance companies take into consideration when choosing how much to charge for coverage. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Crime levels
- Total number of drivers
- Availability of off-street parking
- Rate of car accidents
- Community laws
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. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Temple Hills?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering auto coverage in Temple Hills.
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Temple Hills Insurance FAQs
What factors affect car insurance quotes in Temple Hills?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Temple Hills different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Temple Hills?
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 Hills?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea 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 time, regardless of how long is left on your current policy. So, if you've recently moved to Temple Hills or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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