Best Cheap Auto Insurance in Temple, TX (2021)

The average Temple, TX auto insurance rates are $280 per month. The minimum auto insurance in Temple is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Temple, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Temple, Texas is 30/60/25
  • The most expensive auto insurance company in Temple for teen drivers is Allstate
  • The average commute length in Temple is 18.9 minutes

Temple, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Temple can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Temple, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Temple to other Texas cities, including Plano auto insurance rates, San Antonio auto insurance rates, and Laredo auto insurance rates to see how Temple, Texas auto insurance rates stack up.

Before you buy Temple, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Temple, Texas auto insurance quotes.

Minimum Auto Insurance in Temple, Texas

Temple, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Temple, Texas.

Minimum Required Auto Insurance Coverage in Temple, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Temple, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Temple, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Temple, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,274 $3,301 $3,232 $3,232 $8,658 $10,442 $4,045 $4,212
American Family $2,505 $2,786 $2,348 $2,686 $6,643 $8,706 $3,594 $4,099
GEICO $2,005 $2,154 $1,926 $2,165 $4,337 $4,511 $2,166 $2,170
Nationwide $1,966 $1,999 $1,744 $1,844 $5,452 $6,987 $2,298 $2,483
Progressive $1,973 $1,893 $1,753 $1,790 $7,979 $8,893 $2,343 $2,399
State Farm $1,873 $1,873 $1,670 $1,670 $4,534 $5,790 $2,039 $2,105
USAA $1,414 $1,422 $1,352 $1,342 $3,931 $4,279 $1,875 $2,009

Cheap Temple, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Temple, Texas is a challenge. Take a look at the annual teen auto insurance rates in Temple, Texas.

Annual Auto Insurance Rates for Teen Drivers in Temple, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,658 $10,442
American Family $6,643 $8,706
GEICO $4,337 $4,511
Nationwide $5,452 $6,987
Progressive $7,979 $8,893
State Farm $4,534 $5,790
USAA $3,931 $4,279

Cheap Temple, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Temple, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Temple, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,232 $3,232
American Family $2,348 $2,686
GEICO $1,926 $2,165
Nationwide $1,744 $1,844
Progressive $1,753 $1,790
State Farm $1,670 $1,670
USAA $1,352 $1,342

Cheap Temple, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Temple, Texas compared to the annual auto insurance rates with a clean record in Temple, Texas.

Annual Temple, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,919 $6,045 $6,315 $3,919
American Family $3,803 $4,835 $4,242 $3,803
GEICO $2,280 $2,998 $2,516 $2,923
Nationwide $2,693 $2,693 $3,965 $3,035
Progressive $3,175 $4,064 $3,699 $3,574
State Farm $2,390 $2,747 $3,250 $2,390
USAA $1,647 $2,426 $2,850 $1,889

Cheap Temple, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Temple, Texas is not easy. Compare the annual rates for DUI auto insurance in Temple, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Temple, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,315
American Family $4,242
GEICO $2,516
Nationwide $3,965
Progressive $3,699
State Farm $3,250
USAA $2,850

Cheap Temple, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Temple, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Temple, Texas

Insurance Company Poor Fair Good
Allstate $6,414 $4,705 $4,029
American Family $5,733 $3,615 $3,164
GEICO $4,113 $2,346 $1,578
Nationwide $3,706 $2,984 $2,600
Progressive $4,092 $3,526 $3,266
State Farm $3,813 $2,375 $1,894
USAA $3,231 $1,871 $1,507

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Cheap Temple, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Temple, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Temple, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Temple, Texas

ZIP Code Average Annual Rates
76501 $5,089
76502 $4,755
76504 $4,927

Cheap Temple, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Temple, Texas auto insurance. Find the cheapest annual Temple, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Temple, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,929 $5,170
American Family $4,171 $4,171
GEICO $2,631 $2,727
Nationwide $3,097 $3,097
Progressive $3,628 $3,628
State Farm $2,694 $2,694
USAA $2,175 $2,231

Cheap Temple, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Temple, Texas? Check out the comparison of annual Temple, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Temple, Texas

Insurance Company Low Medium High
Allstate $4,930 $5,005 $5,214
American Family $3,899 $4,033 $4,580
GEICO $2,553 $2,653 $2,831
Nationwide $3,337 $2,968 $2,984
Progressive $3,505 $3,614 $3,765
State Farm $2,563 $2,689 $2,831
USAA $2,127 $2,194 $2,288

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Best By Category: Cheapest Auto Insurance in Temple, Texas

Compare the cheapest auto insurance companies in Temple, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Temple, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

The Cheapest Temple, Texas Auto Insurance Companies

What auto insurance companies in Temple, Texas are the cheapest? Compare the top Temple, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Temple, Texas

Insurance Company Average Annual Rates
Allstate $5,049
American Family $4,171
GEICO $2,679
Nationwide $3,097
Progressive $3,628
State Farm $2,694
USAA $2,203

What affects auto insurance rates in Temple, Texas?

There are a lot of reasons why auto insurance rates in Temple, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Temple, Texas. Many local factors may affect your Temple auto insurance rates.

Temple Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Temple, Texas auto theft statistics, there have been 190 auto thefts in the city.

Temple Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Temple, Texas commute length is 18.9 minutes according to City-Data.

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Compare Temple, Texas Auto Insurance Quotes

Before you buy Temple, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Temple, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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