Lowest Premium
$303 / YEAR
Average Premium
$459 / YEAR
Highest Premium
$665 / YEAR
The average annual premium in Temple is around $459 and can go upto $665. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.
Texas Car Insurance Minimum Requirement by Law
As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:
- $30,000 coverage for all types of bodily injury suffered by one individual in one accident
- Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
- Damage to property or injury to others in one accident is $25,000.
Jump to Topic:
Best Car Insurance Companies in Texas and Rates Offered
The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.
Company | Annual premium (50/100/50) | Market share | Complaints |
---|---|---|---|
Geico | $350 | 6.00% ($1,151,485,019) | 1 |
Farmers | $385 | 7.98% ($1,530,613,603) | 2 |
State Farm | $390 | 16.03% ($3,074,590,659) | 119 |
Allstate | $495 | 7.38% ($1,416,050,038) | 4 |
Liberty Mutual | $550 | 4.36% ($836,938,040) | 64 |
Progressive | $660 | 8.75% ($1,678,264,745) | 0 |
Get a free quote from the best of 200+ companies in 90 seconds.
Find affordable car insurance in your city
We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.
Car Insurance Rates in Temple by ZIP codes
The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Temple. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.
Zip | Avg. Premium |
---|---|
76501 | $468 |
76502 | $439 |
76504 | $453 |
Insurance Agents in Temple, TX and Near by
-
0 miT.E. Financial Services7 W Central Ave, Temple, TX 76501(254) 534-0411View |
-
0 miExtraco Banks Insurance18 S Main, Temple, TX 76501(254) 774-5904View |
-
0 miExtraco Banks Insurance Services18 S Main St, Temple, TX 76501(254) 774-5500View |
-
0 miPurifoy & Company Insurance4 S 9th St, Temple, TX 76501(254) 773-6844View |
-
0 miInsurance Partners17 S 1st St, Temple, TX 76501(254) 774-5181View |
-
8.23 miDirect General Auto Insurance1314 W Adams Ave, Temple, TX 76504(254) 295-1612View |
-
8.23 miWinkler Insurance Agency1102 W Adams Ave Ste B, Temple, TX 76504(254) 771-5600View |
-
8.23 miAcceptance Auto Insurance1400 W Adams Ave, Temple, TX 76504(254) 774-7722View |
-
8.23 miBudget Auto Insurance1107 W Adams Ave Ste A, Temple, TX 76504(254) 778-3871View |
-
8.23 miA-Max Auto Insurance1405 W Adams Ave, Temple, TX 76504(254) 773-9000View |
-
8.23 miDebbie Kather-Wood2309 Airport Rd, Temple, TX 76504(254) 773-4646View |
-
8.23 miTexas Liberty Insurance Agency803 S 5th St Ste 206, Temple, TX 76504(254) 773-8899View |
-
8.23 miSofia Pargo19 S 25th St Ste 400, Temple, TX 76504(254) 228-5316View |
-
8.23 miMitchel Davis1 N 29th St, Temple, TX 76504(254) 778-8826View |
-
8.23 miTexian Insurance Agency1018 S 1st St, Temple, TX 76504(254) 771-3333View |
-
8.23 miDavid Jennings1304 S 1st St, Temple, TX 76504(254) 778-4717View |
-
8.23 miWheeler & Associates Insurance1605 W Avenue H Ste 100, Temple, TX 76504(254) 791-0039View |
-
8.23 miNathan Evans902 S 31st St, Temple, TX 76504(254) 771-0221View |
-
8.23 miMoniker Insurance1116 S 31st St, Temple, TX 76504(254) 935-8122View |
-
8.23 miRudy Garza1204 S 31st St, Temple, TX 76504(254) 773-1593View |
-
8.23 miScott Reid2116 W Avenue H, Temple, TX 76504(254) 773-8872View |
-
8.23 miAutopartners Insurance Agency1408 S 31st St Ste C, Temple, TX 76504(254) 771-2659View |
-
8.23 miRvos General Agency2301 S 37th St, Temple, TX 76504(254) 773-7227View |
-
8.23 miCarolyn Ricks2707 S 37th St, Temple, TX 76504(254) 598-2253View |
-
8.23 miK & W Insurance Company2004 S 57th St Ste A, Temple, TX 76504(254) 770-7236View |
-
8.23 miFCT Insurance2027 S 61st St Ste 104, Temple, TX 76504(254) 773-1100View |
-
8.23 miJ-P & Company Insurance2027 S 61st St Ste 104, Temple, TX 76504(254) 913-5064View |
-
8.23 miJohn R Farwell3604 SW Hk Dodgen Loop Suite 100, Temple, TX 76504(254) 778-1333View |
-
8.23 miL & N Insurance Group4311 W Adams Ave Ste 209, Temple, TX 76504(254) 771-5581View |
-
9.39 miInsurors of Texas3513 SW H K Dodgen Loop Ste 100, Temple, TX 76502(254) 778-4207View |
-
9.39 miRonnie Gaines1005 Marlandwood Rd Ste 106, Temple, TX 76502(254) 773-8866View |
-
9.39 miTexas Farm Bureau Insurance1341 Marlandwood Rd, Temple, TX 76502(254) 778-4741View |
-
9.39 miKenneth Paysse2118 Birdcreek Dr Ste 110, Temple, TX 76502(254) 778-7136View |
-
9.39 miLarry Wilkerson420 Greenview Dr Ste 300, Temple, TX 76502(254) 773-0755View |
-
9.39 miWard & Moore Insurance Services1023 Canyon Creek Dr Ste 110, Temple, TX 76502(254) 771-5700View |
-
9.39 miDoug Stewart4102 S 31st St Ste 200, Temple, TX 76502(254) 778-0516View |
-
9.39 miAll About Insurance4102 S 31st St Ste 300, Temple, TX 76502(254) 773-3833View |
-
9.39 miJim Madeley Insurance3502 Elm Dr, Temple, TX 76502(254) 771-2691View |
-
9.39 miJohn Hall3317 Pecan Valley Dr, Temple, TX 76502(254) 778-8087View |
-
9.39 miKirk Spradlin5112 S General Bruce Dr Ste A, Temple, TX 76502(254) 778-5973View |
-
9.39 miFreddie Guillen3608 Camelot Ln, Temple, TX 76502(254) 284-1231View |
-
9.39 miNitsche Group6173 W Adams Ave Ste C101, Temple, TX 76502(254) 933-1708View |
-
9.39 miCraig Marshall6204 W Adams Ave, Temple, TX 76502(254) 778-3786View |
-
9.39 miJack Elms5293 S 31st St Ste 141, Temple, TX 76502(254) 531-0484View |
-
9.39 miJ David Nix2526 Blue Meadow Dr, Temple, TX 76502(254) 770-3355View |
-
9.39 miTyler Jermstad175 Verbena Dr, Temple, TX 76502(254) 774-9090View |
-
9.39 miJTFITexas Insurance Agency463 Westfield Blvd, Temple, TX 76502(832) 492-5901View |
-
9.39 miDavid Coufal Agency12270 Moffat Rd, Temple, TX 76502(254) 986-2448View |
Learn More About Car Insurance in Temple, TX
Helpful Info on Texas Car Insurance
Here is a list of useful information regarding Texas car insurance and driving in Texas roads.
Total vehicles registered | 24,527,939 |
Total uninsured motorists | 14.1% |
Estimated economic loss of all vehicle crashes | $38.4 billion |
Sources: uninsured motorists, 2015, crash report, 2018
Different car insurance coverage options available in Texas
There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.
- Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
- Collision covers for the expenses on your car caused by accident.
- Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
- Medical payments cover your's and your passenger's medical bills
- Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
- Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
- Towing and labor covers for the pay for towing your car and labor cost.
- Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.