Cheapest Car Insurance Quotes in Temple

Finding the cheapest car insurance quotes in Temple shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

Temple Car Insurance

^$ 41

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Temple

The car insurance rate in Temple is $1015 for a six-month policy, which is $223 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $648, making it a popular choice for budget-conscious drivers. Rates in Temple can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Temple

$1015

Avg. Car Insurance in Texas

$1238

National Average

$1278

Cheapest Car Insurance Companies in Temple

1st place: Mercury

At $648 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $672 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $677 for six months, making it the third cheapest auto insurance company in Temple.

Temple Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Temple, TX is Mercury, offering policies at just $648 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $672.

At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $877 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Temple drivers find the best deals.

Cheap Car Insurance Companies in Temple, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$648	$108
Texas Farm Bureau	$672	$114
AAA Texas	$677	$113
State Farm	$701	$118
USAA	$765	$129
Redpoint Insurance	$799	$136
AAA	$984	$164
Progressive	$1023	$172
Southern County Mutual	$1057	$176
Allstate	$2202	$371
Farmers	$2011	$342
Redpoint County Mutual	$784	$134
Geico County Mutual	$877	$149

Key Takeaways

Way's key takeaways about car insurance in Temple

The auto insurance costs in Temple fall around $648 for six months.
The cheapest auto insurance company in Temple is USAA.
Teen drivers pay the highest rate in Temple at $60 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Temple

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Temple are given below.

USAA provides the cheapest minimum car insurance coverage in Temple. Their Average 6 Month Premium is $244. Geico County Mutual is the most expensive at $273 for the same period.

Cheapest Liability Coverage in Temple, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$244	$41
Texas Farm Bureau	$253	$43
State Farm	$263	$44
Redpoint Insurance	$273	$47
Mercury	$317	$53
AAA	$351	$60
AAA Texas	$351	$58
Progressive	$361	$61
Allstate	$760	$128
Farmers	$794	$132
Redpoint County Mutual	$263	$43
Geico County Mutual	$273	$47

Cheapest Full Coverage Car Insurance in Temple

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Temple is Mercury at $108 per month and $648 for six months.

Cheapest Full Coverage Car Insurance Quotes in Temple, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$648	$108
Texas Farm Bureau	$672	$114
AAA Texas	$677	$113
State Farm	$701	$118
USAA	$765	$129
Redpoint Insurance	$799	$136
AAA	$984	$164
Progressive	$1023	$172
Southern County Mutual	$1057	$176
Allstate	$2202	$371
Farmers	$2011	$342
Redpoint County Mutual	$784	$134
Geico County Mutual	$877	$149

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Temple Instantly!

Average Car Insurance in Temple by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Temple, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in Temple, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Temple's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Temple

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

undefined

Cheapest Car Insurance Rates for Teen Drivers in Temple,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Temple at $48 per month. At $361 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$278	$48
Southern County Mutual	$361	$60
Mercury	$390	$66
AAA Texas	$444	$74
USAA	$1115	$188
State Farm	$1188	$200
Texas Farm Bureau	$1247	$212
AAA	$2046	$341
Allstate	$3746	$631
Progressive	$5222	$879
Farmers	$6566	$1116
Redpoint County Mutual	$268	$46
Geico County Mutual	$361	$60

Teen Car Insurance Rates in TX by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Temple, Mercury is the cheapest car insurance provider. At $424 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Temple is Farmers, offering rates of around $3332 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$424	$71
Foremost	$507	$86
AAA Texas	$540	$90
Dairyland	$628	$107
USAA	$945	$157
Progressive	$1354	$228
AAA	$1642	$274
Allstate	$3862	$657
State Farm	$5041	$841
Texas Farm Bureau	$950	$162
Farmers	$3332	$567

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Temple.

Car Insurance Rates with An Accident in Temple

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Temple, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Temple

The cheapest car insurance companies after an at-fault accident in Temple include Redpoint Insurance and Southern County Mutual, offering $278 and $336, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $336.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$278	$46
Southern County Mutual	$336	$57
AAA Texas	$522	$87
State Farm	$560	$94
Mercury	$633	$106
USAA	$809	$136
Texas Farm Bureau	$1052	$175
AAA	$1670	$284
Progressive	$1788	$301
Allstate	$3483	$586
Farmers	$5528	$940
Redpoint County Mutual	$268	$44
Geico County Mutual	$336	$57

Temple Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Temple TX. For example, the car insurance in Temple after a DUI increases to $643 for a six month policy. While the rate increases by $151 for a six-month policy in the case of a speeding ticket.

Temple auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1052	$175
One Med/PIP claim	$1062	$180
One comp claim	$1115	$186
Not-at-fault accident	$1125	$191
Two Med/PIP claims	$1130	$189
Failure to show documents	$1169	$198
Driving with expired registration	$1178	$197
Two comp claims	$1188	$202
Cell phone violation	$1198	$200
Driving without lights	$1198	$203
Texting while driving	$1198	$200
Driving too slowly	$1203	$204
Speeding 11 - 15 MPH over limit	$1203	$201
Speeding 16 - 20 MPH over limit	$1203	$204
Speeding 6 - 10 MPH over limit	$1203	$201
Speeding in school zone	$1203	$204
Child safety restraint	$1208	$202
Failure to wear a seat belt	$1208	$205
In 65 MPH zone	$1213	$203
Failure to stop at a red light	$1218	$207
Failure to yield	$1218	$203
Following too closely	$1218	$207
Illegal turn	$1218	$203
Improper passing	$1218	$207
Speeding 21 - 25 MPH over limit	$1218	$203
Passing school bus	$1223	$208
Wrong way/wrong lane	$1223	$203
Operating a vehicle without permission	$1228	$209
At-fault accident - less than $1000	$1276	$212
Open container	$1437	$244
Driving with a suspended license	$1491	$248
Racing	$1579	$268
Reckless driving	$1579	$263
Leaving scene of an accident/hit and run	$1617	$275
At-fault accident - $1000-$2000	$1622	$271
Refusal to submit to a chemical test	$1670	$284
DUI	$1695	$283
At-fault accident - greater than $2000	$1763	$300

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Temple after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Temple.

The cheapest car insurance premiums in Temple are offered by Mercury at $419 for a six-month policy. However, it can be as expensive as $2538 with companies like Farmers.

Temple car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$419	$70
Foremost	$472	$80
Dairyland	$517	$86
AAA Texas	$545	$93
State Farm	$716	$121
USAA	$1115	$188
Progressive	$1140	$192
Nationwide	$1378	$235
AAA	$2528	$421
Allstate	$2879	$485
Texas Farm Bureau	$809	$138
Farmers	$2538	$423

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Temple are offered by Mercury at $434. However, it can be as expensive as $2762 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Temple after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$434	$72
State Farm	$448	$75
AAA Texas	$462	$77
USAA	$687	$116
AAA	$1670	$279
Progressive	$1783	$303
Allstate	$2708	$451
Texas Farm Bureau	$419	$71
Farmers	$2762	$470

Car Insurance Price Trends in Temple, Texas

Car insurance rates in Temple have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Temple rose by $177 in January compared to $170 of December. In other words, there has been an increase by $7 when you compare January and December.

The average cost of liability insurance in the Temple rose to $57 in January, compared to $52 in December. This represents an increase of $5 when comparing January and December.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Average Car Insurance Cost in Temple by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Temple. At $1218 for a six-month policy, insuring your car at 76501 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
76501	$1218	$204
76502	$1522	$255
76504	$1299	$218
76508	$1015	$170

Frequently Asked Questions

How much is car insurance in Temple?

The car insurance in Temple is $41 per month, which is lower than the national average.

What is the cheapest car insurance in Temple?

The cheapest car insurance in Temple is $108 per month for full coverage.

How much is car insurance in Temple for teenagers?

Car insurance for teenagers costs $278 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Temple?

The average cost of car insurance is $1238 for a six-month policy. It will cost around $171 per month to insure your car in Temple.

Is car insurance expensive in Temple?

Car insurance can be expensive in Temple if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Temple can be affordable.

Cheapest Car Insurance Quotes in Temple

Why you can trust Way?

How Much Is Car Insurance in Temple

Avg. Car Insurance in Temple

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in Temple

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

Temple Car Insurance Rates by Company

Cheap Car Insurance Companies in Temple, TX

Way's key takeaways about car insurance in Temple

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Temple

Cheapest Liability Coverage in Temple, TX

Cheapest Full Coverage Car Insurance in Temple

Cheapest Full Coverage Car Insurance Quotes in Temple, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Temple by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Temple, TX increasing?

Car Insurance Premiums by Age in Temple

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Temple,TX

If you are in your twenties N/A is the best choice for car insurance in Temple.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Temple

Cheapest Car Insurance Companies after an At-Fault Accident in Temple

Temple Car Insurance Rates by Violation

Temple auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Temple after a DUI

Temple car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Temple after Speeding ticket

Car Insurance Price Trends in Temple, Texas

Average Car Insurance Cost in Temple by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Temple, TX

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources