Cheap Car Insurance in Temple, Texas (With 2021 Rates)

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Lowest Premium

$303 / YEAR

Average Premium

$459 / YEAR

Highest Premium

$665 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

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.
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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.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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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.

ZipAvg. Premium
76501$468
76502$439
76504$453

Insurance Agents in Temple, TX and Near by

  • 0 mi
    T.E. Financial Services
    7 W Central Ave, Temple, TX 76501
    (254) 534-0411
  • 0 mi
    Extraco Banks Insurance
    18 S Main, Temple, TX 76501
    (254) 774-5904
  • 0 mi
    Extraco Banks Insurance Services
    18 S Main St, Temple, TX 76501
    (254) 774-5500
  • 0 mi
    Purifoy & Company Insurance
    4 S 9th St, Temple, TX 76501
    (254) 773-6844
  • 0 mi
    Insurance Partners
    17 S 1st St, Temple, TX 76501
    (254) 774-5181
  • 8.23 mi
    Direct General Auto Insurance
    1314 W Adams Ave, Temple, TX 76504
    (254) 295-1612
  • 8.23 mi
    Winkler Insurance Agency
    1102 W Adams Ave Ste B, Temple, TX 76504
    (254) 771-5600
  • 8.23 mi
    Acceptance Auto Insurance
    1400 W Adams Ave, Temple, TX 76504
    (254) 774-7722
  • 8.23 mi
    Budget Auto Insurance
    1107 W Adams Ave Ste A, Temple, TX 76504
    (254) 778-3871
  • 8.23 mi
    A-Max Auto Insurance
    1405 W Adams Ave, Temple, TX 76504
    (254) 773-9000
  • 8.23 mi
    Debbie Kather-Wood
    2309 Airport Rd, Temple, TX 76504
    (254) 773-4646
  • 8.23 mi
    Texas Liberty Insurance Agency
    803 S 5th St Ste 206, Temple, TX 76504
    (254) 773-8899
  • 8.23 mi
    Sofia Pargo
    19 S 25th St Ste 400, Temple, TX 76504
    (254) 228-5316
  • 8.23 mi
    Mitchel Davis
    1 N 29th St, Temple, TX 76504
    (254) 778-8826
  • 8.23 mi
    Texian Insurance Agency
    1018 S 1st St, Temple, TX 76504
    (254) 771-3333
  • 8.23 mi
    David Jennings
    1304 S 1st St, Temple, TX 76504
    (254) 778-4717
  • 8.23 mi
    Wheeler & Associates Insurance
    1605 W Avenue H Ste 100, Temple, TX 76504
    (254) 791-0039
  • 8.23 mi
    Nathan Evans
    902 S 31st St, Temple, TX 76504
    (254) 771-0221
  • 8.23 mi
    Moniker Insurance
    1116 S 31st St, Temple, TX 76504
    (254) 935-8122
  • 8.23 mi
    Rudy Garza
    1204 S 31st St, Temple, TX 76504
    (254) 773-1593
  • 8.23 mi
    Scott Reid
    2116 W Avenue H, Temple, TX 76504
    (254) 773-8872
  • 8.23 mi
    Autopartners Insurance Agency
    1408 S 31st St Ste C, Temple, TX 76504
    (254) 771-2659
  • 8.23 mi
    Rvos General Agency
    2301 S 37th St, Temple, TX 76504
    (254) 773-7227
  • 8.23 mi
    Carolyn Ricks
    2707 S 37th St, Temple, TX 76504
    (254) 598-2253
  • 8.23 mi
    K & W Insurance Company
    2004 S 57th St Ste A, Temple, TX 76504
    (254) 770-7236
  • 8.23 mi
    FCT Insurance
    2027 S 61st St Ste 104, Temple, TX 76504
    (254) 773-1100
  • 8.23 mi
    J-P & Company Insurance
    2027 S 61st St Ste 104, Temple, TX 76504
    (254) 913-5064
  • 8.23 mi
    John R Farwell
    3604 SW Hk Dodgen Loop Suite 100, Temple, TX 76504
    (254) 778-1333
  • 8.23 mi
    L & N Insurance Group
    4311 W Adams Ave Ste 209, Temple, TX 76504
    (254) 771-5581
  • 9.39 mi
    Insurors of Texas
    3513 SW H K Dodgen Loop Ste 100, Temple, TX 76502
    (254) 778-4207
  • 9.39 mi
    Ronnie Gaines
    1005 Marlandwood Rd Ste 106, Temple, TX 76502
    (254) 773-8866
  • 9.39 mi
    Texas Farm Bureau Insurance
    1341 Marlandwood Rd, Temple, TX 76502
    (254) 778-4741
  • 9.39 mi
    Kenneth Paysse
    2118 Birdcreek Dr Ste 110, Temple, TX 76502
    (254) 778-7136
  • 9.39 mi
    Larry Wilkerson
    420 Greenview Dr Ste 300, Temple, TX 76502
    (254) 773-0755
  • 9.39 mi
    Ward & Moore Insurance Services
    1023 Canyon Creek Dr Ste 110, Temple, TX 76502
    (254) 771-5700
  • 9.39 mi
    Doug Stewart
    4102 S 31st St Ste 200, Temple, TX 76502
    (254) 778-0516
  • 9.39 mi
    All About Insurance
    4102 S 31st St Ste 300, Temple, TX 76502
    (254) 773-3833
  • 9.39 mi
    Jim Madeley Insurance
    3502 Elm Dr, Temple, TX 76502
    (254) 771-2691
  • 9.39 mi
    John Hall
    3317 Pecan Valley Dr, Temple, TX 76502
    (254) 778-8087
  • 9.39 mi
    Kirk Spradlin
    5112 S General Bruce Dr Ste A, Temple, TX 76502
    (254) 778-5973
  • 9.39 mi
    Freddie Guillen
    3608 Camelot Ln, Temple, TX 76502
    (254) 284-1231
  • 9.39 mi
    Nitsche Group
    6173 W Adams Ave Ste C101, Temple, TX 76502
    (254) 933-1708
  • 9.39 mi
    Craig Marshall
    6204 W Adams Ave, Temple, TX 76502
    (254) 778-3786
  • 9.39 mi
    Jack Elms
    5293 S 31st St Ste 141, Temple, TX 76502
    (254) 531-0484
  • 9.39 mi
    J David Nix
    2526 Blue Meadow Dr, Temple, TX 76502
    (254) 770-3355
  • 9.39 mi
    Tyler Jermstad
    175 Verbena Dr, Temple, TX 76502
    (254) 774-9090
  • 9.39 mi
    JTFITexas Insurance Agency
    463 Westfield Blvd, Temple, TX 76502
    (832) 492-5901
  • 9.39 mi
    David Coufal Agency
    12270 Moffat Rd, Temple, TX 76502
    (254) 986-2448
View all agents ↓

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 registered24,527,939
Total uninsured motorists14.1%
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.