Cheapest Car Insurance In Temple, TX 2025
Temple drivers can get the cheapest minimum coverage car insurance from GEICO, with an average cost of $37 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Looking for low-cost car insurance in Temple, TX? Prices can differ a lot depending on the provider.
Those looking for budget-friendly liability-only insurance will find GEICO to be the top pick. For full coverage, Progressive offers the best rates, and young drivers save the most with State Farm.
Cheapest Car Insurance Companies In Temple, TX 2025
Cheapest Liability-only Car Insurance In Temple: State Farm
With an average monthly premium of $37, GEICO is the most budget-friendly option for minimum coverage in Temple.
The table below provides a comparison of rates from different insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Cheapest Full Coverage Insurance Rates In Temple: Erie
Progressive stands out as the most budget-friendly option for full coverage, costing around $92 per month in Temple.
You can compare average car insurance prices from economical insurers in Temple using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $83 | $996 |
| Auto-Owners | $86 | $1,032 |
| American Family | $104 | $1,248 |
| Nationwide | $107 | $1,284 |
| Progressive | $116 | $1,392 |
Cheapest Car Insurance Rates For Seniors: Erie
At $87 per month on average, State Farm has the most budget-friendly car insurance for seniors in Temple.
You can find average quotes from the lowest-cost auto insurers for seniors in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $62 | $744 |
| USAA | $70 | $840 |
| Auto-Owners | $64 | $768 |
| GEICO | $69 | $828 |
| Nationwide | $75 | $900 |
Cheapest Rates In Temple For Teenagers: State Farm
With an average monthly premium of $313, State Farm provides the lowest insurance rates for teenage drivers in Temple.
You can find the cheapest insurance providers for teenagers in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $131 | $1,572 |
| Auto-Owners | $152 | $1,824 |
| USAA | $167 | $2,004 |
| Nationwide | $200 | $2,400 |
| Safeco | $214 | $2,568 |
Cheapest Auto Insurance For Young Adults in Temple: Clearcover
With an average monthly rate of $238, State Farm offers the lowest insurance quotes for young adults in Temple.
The following table highlights the most budget-friendly car insurance rates for young adults in Temple.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $70 | $840 |
| USAA | $97 | $1,164 |
| National General | $92 | $1,104 |
| State Farm | $107 | $1,284 |
Cheapest Car Insurance In Temple For Good Drivers: State Farm
With premiums averaging $37 per month, GEICO provides the most budget-friendly car insurance for good drivers in Temple.
If you’re a safe driver, refer to the table below to find the lowest average insurance quotes.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $42 | $504 |
| Auto-Owners | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $59 | $708 |
| Progressive | $68 | $816 |
Find affordable Temple rates
Cheapest Car Insurance In Temple After A Speeding Ticket: State Farm
At $176 per month on average, State Farm stands out as one of the most affordable insurers in Temple for drivers with a speeding ticket.
The following table lists average car insurance rates for drivers with a speeding infraction.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $77 | $925 |
| Erie | $87 | $1,042 |
| Auto-Owners | $94 | $1,130 |
| GEICO | $158 | $1,898 |
| USAA | $79 | $950 |
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers with an at-fault accident can find the most budget-friendly insurance with State Farm, which charges about $193 per month.
These insurance companies provide the most budget-friendly options for drivers with an at-fault crash on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $84 | $1,010 |
| USAA | $91 | $1,090 |
| Auto-Owners | $103 | $1,230 |
| GEICO | $124 | $1,490 |
| Erie | $109 | $1,302 |
Cheapest Rates In Temple For Drivers After A DUI: State Farm
At $188 per month on average, State Farm offers the most budget-friendly car insurance for Temple drivers with a DUI.
The following table highlights the most budget-friendly insurance options for Temple drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $78 | $930 |
| Erie | $131 | $1,566 |
| USAA | $94 | $1,130 |
| Auto-Owners | $142 | $1,705 |
| GEICO | $158 | $1,900 |
Best Car Insurance Companies In Temple
The most affordable car insurance in Temple comes from AAA at $83 per month, but Progressive and GEICO are also solid choices at $90 and $93.
Here are the top 10 car insurers in Temple, TX, sorted by the average price they charge per month.
| Company | Monthly Premium |
| Nationwide | $127 |
| Safeco | $56 |
| Mercury | $134 |
| Kemper | $70 |
| USAA | $126 |
| Direct Auto | $76 |
| SafeAuto | $98 |
| Texas Farm Bureau Group | $80 |
| State Farm | $107 |
| Mercury Insurance | $105 |
Average Auto Insurance Rates In Temple – By Age
One of the biggest factors in car insurance pricing is age. Younger drivers, especially teens, often see the highest rates due to inexperience and accident risk, averaging about $7,599 per year.
When drivers reach 25, they often experience a decrease in insurance costs if they maintain a spotless driving record.
Drivers in their 50s and early 60s tend to enjoy the most affordable insurance rates because companies use age to gauge experience and risk.
| Age | Average Yearly Rate |
| Teenagers | $3,168 |
| 20s | $2,280 |
| 30s | $1,452 |
| 40s | $1,188 |
| 50s | $1,224 |
| 60s | $1,440 |
| 70s | $1,260 |
Average Rates In Temple – By Vehicle
The kind of vehicle you drive affects your insurance rates. Insurers evaluate details like make, model, and year, with newer luxury cars often carrying higher premiums due to costly repairs and technology.
The following table lists average insurance premiums in Temple based on vehicle type.
| Vehicle | Average Monthly Rate |
| 2014 Toyota Corolla | $91 |
| 2019 Hyundai Veloster | $90 |
| 2017 Ford Edge | $74 |
| 2007 Hyundai Santa Fe | $87 |
| 2019 Toyota Tacoma | $70 |
How Much Is Car Insurance In Other Cities in Ohio?
The cost of your car insurance is heavily influenced by your city. Insurance companies factor in crime rates, accident likelihood, and vehicle theft, all of which tend to be higher in densely populated areas.
While car insurance in Los Angeles averages $243 per month, San Diego drivers pay a lower monthly rate of around $176.
| City | Average Monthly Rate |
| Irving | $162 |
| Amarillo | $147 |
| Houston | $195 |
| Arlington | $165 |
| Fort Worth | $170 |
| Austin | $148 |
| El Paso | $162 |
| Beaumont | $170 |
| Dallas | $182 |
| Corpus Christi | $166 |
Average Cost Of Auto Insurance In Temple – By Zip Code
Insurance companies rely on zip codes to evaluate crime levels, meaning rates can vary significantly between different areas.
The following table provides average insurance costs for Temple zip codes.
| City | Average Monthly Rate |
| 76504 | $141 |
| 76501 | $111 |
| 76547 | $193 |
| 76502 | $142 |
Find affordable Temple rates
Our Methodology
By evaluating multiple factors—including customer service, pricing, product offerings, and online reviews—I’ve compiled a detailed assessment of car insurance companies in Temple, TX.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Temple?
Temple drivers can find the lowest rates for minimum coverage with GEICO, while Progressive provides the most affordable full coverage, covering both comprehensive and collision.
What is the average cost of car insurance in Temple?
Temple’s average car insurance rate is approximately $180 per month, but individual prices differ based on your zip code, car details, and driving record.
