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How much is car insurance in Temple?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see it's around $16 a month cheaper to insure your vehicle in Temple than it is in the rest of Texas.
Drivers relocating from out of state may enjoy some cost savings in Temple. The average monthly payment in Temple is about $31 cheaper than the rate for the rest of the United States.
The price you pay may very well be higher or lower than the rates you see, but we can help explain why. 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 the bill you'll see each month.
But don't worry, we've broken down the average rate 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. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below and find out in just minutes!
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Temple Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. That said, once you hit retirement age, your rates may rise again in Temple.
Temple Car Insurance Rates by Gender
In general, women pay slightly less for car insurance than men. In Temple, however, the difference in monthly rates for auto insurance is minimal.
Temple Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will obviously get you a lower rate than one with accidents or infractions. Drivers in Temple with a single accident will pay around $64 a month. Similarly, drivers with one ticket will typically pay around $62 on average.
Temple Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$48|
|15 Years or Older||$46|
If you look at the first table above, you'll see that trucks and vans are usually the cheapest vehicles to insure in Temple, with drivers paying around $44 per month for insurance coverage.
SUV drivers will see rates of about $51, while the rates for car owners average out to about $50 per month.
Your vehicle's age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old, you may start to see your monthly premium decrease. The most expensive vehicles to insure in Temple are vehicles six-to-seven years old.
Temple Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
Generally, car insurance is slightly cheaper for married policyholders. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.
According to the table above, the difference in rates based on relationship status in Temple can be as much as $11 a month, so it's worth taking into consideration.
Temple Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your living situation is another component of how insurance companies calculate your monthly rate. In Temple, homeowners can expect to pay around $6 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance premiums, depending on your insurance company.
Car Insurance Companies in Temple, TX
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 picking an insurance policy.
The cost of car insurance in Temple had been decreasing from 2019-2020, before steadying out in 2021. Insurance rates finished down in 2022, at $43 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 number of factors when they're figuring out how much to charge for a policy. The specifics of your home address will have an impact on your personal policy. This might include things like:
- Rate of crime
- Community laws
- Number of drivers
- Off-street parking accessibility
- Road Safety (how many accidents each locality has)
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
Arming 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 enter your ZIP below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage 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 gender and age, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Temple different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
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 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.
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