Temple, TX Car Insurance

How does Temple stack up to the rest of the area, or even Texas as a whole? How much can residents of Temple expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Temple?

Compared to the rest of the Texas, coverage in Temple is about $15 a month cheaper.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Temple is rather affordable. The average monthly payment in Temple is about $31 cheaper than the rate for the rest of the U.S.

While these are the average monthly costs for auto insurance coverage in Temple, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

We've broken down average rates for Temple to help you understand what your policy's monthly premium will cost. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!

Average Car Insurance Rates by Age

More time behind the wheel makes you a more experienced driver. That experience can lead to some serious savings when it comes to car insurance premiums. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates begin to increase again in Temple.

Average Car Insurance Rates by Gender

On average, female drivers pay slightly less than male drivers for car insurance. In Temple, the difference comes out to about $4 a month. As you can see in the chart above, car insurance for women in the area typically costs around $48 each month, while men pay $52 on average.

Average Auto Insurance Rates by Driving Record

Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Temple with one accident will pay around $63 a month. In addition, drivers with a single ticket on their record can expect to pay around $62 a month on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.

Average Insurance Rates by Vehicle

The cheapest vehicles to insure in Temple are usually trucks and vans, with each type typically costing about $45 per month.

Cars and SUV, on the other hand, usually cost about $51 for insurance coverage.

The age of your vehicle also plays a role in your monthly payment. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Temple, vehicles six-to-seven years old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.

The difference in rates based on relationship status in Temple is about $11 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Your housing situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $7 a month more than if you own your own home in Temple. But if you live with your parents, your rates will be significantly higher.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Temple, TX

Recent trends in car insurance for Temple drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when deciding when and where to shop.

In Temple, the rates for car insurance dropped from 2019-2020, before leveling out in 2021. Car insurance rates finished down in 2022, at $46 per month

How does Temple compare to neighboring areas?

Why are car insurance rates in Temple different from other areas?

There are a lot of factors car insurance companies take into consideration when figuring out how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:

• Regional crime rates
• Number of drivers
• Off-street parking availability
• Number of car accidents
• Local laws

A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Temple?

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.

But hold on! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from dozens of car insurance companies providing plans in Temple.

Temple Insurance FAQs

What factors affect car insurance quotes in Temple?

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 address, driving record, credit score, and marital status.

Why is the cost of car insurance in Temple different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Temple?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Temple?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good 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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Temple or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?