Table of contents
How much is car insurance in Temple Hills?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $28 a month more expensive to insure your vehicle in Temple Hills than it is in the rest of Maryland.
Drivers relocating the Temple Hills should take note of the differences in average rates. It's around $68 more expensive for coverage in Temple Hills than the average rates seen in the rest of the U.S.
While these numbers are the average rates for auto insurance in Temple Hills, that doesn't mean it's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't worry, we've done the work for you and broken down the average rates for Temple Hills to help you understand what your monthly premium might be. And if you're not certain that you're paying the lowest option, 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's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can turn into some real savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay two times the price that someone who is at retirement age.
For every 10 years, you can expect to see a decrease in your monthly premium. Temple Hills drivers may see their rates begin to go back up once they hit retirement.
Average Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Temple Hills, the difference is around $40 a month. Looking at the table above, you can see that female drivers pay around $125 on average, while male drivers typically pay $165 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. In Temple Hills, having a single accident on your record will usually get you rates around $142 a month. In addition, drivers with one ticket can expect to pay around $128 a month on average.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. 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||$205|
|15 Years or Older||$133|
In terms of affordable coverage, the cheapest vehicles to insure in Temple Hills are typically cars, at $140 per month.
Truck and van drivers will see rates of about $205 for insurance coverage, while SUV owners by and large pay around $145 per month.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you might start to see your rates slide back down slightly. In Temple Hills, 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)||$156|
On average, married policyholders will pay slightly less for car insurance coverage. 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 Hills can be as much as $53 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$129|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $14 a month more than those who own their own home in Temple Hills. Those who live with their parents, however, can expect to pay a lot more.
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 car insurance costs.
Car Insurance Companies in Temple Hills, MD
Recent trends in car insurance for Temple Hills drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
Auto insurance rates in Temple Hills increased from 2016-2019, when they reached a high of $187. Policy premiums began to decrease in 2020, and this trend has continued through 2021, when rates have most recently hit $153.
How does Temple Hills compare to neighboring areas?
Why are car insurance rates in Temple Hills different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate many factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Access to off-street parking
- Road Safety (total number of local car accidents)
- Total number of drivers in the community
- Crime levels
- Local laws
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Temple Hills?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Don't worry, Compare.com will handle the heavy lifting for you. Just punch in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering policies in Temple Hills.
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, credit score, marital status, and address.
Why is the cost of car insurance in Temple Hills different from other neighboring cities?
Things like crime rates, parking situations, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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 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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Temple Hills or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?