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Get Cheap Car Insurance in Temple, LA
We monitor insurance prices, helping the average driver in Temple save up to 33.9% on car insurance.
The Cheapest Minimum Coverage in Temple
The chart below shows the cheapest car insurance company in Temple for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Farm Bureau, followed by State Farm, Safeco Insurance, and Clearcover.
| Temple Insurer | Monthly Cost |
|---|---|
| Farm Bureau | $102 |
| State Farm | $120 |
| Safeco Insurance | $121 |
| Clearcover | $134 |
Savings for Every Kind of Temple Driver
Based on our extensive insurance data, we know the average Temple driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $781 per year by choosing the right vehicle insurance company. Some Temple residents are paying out over $2,810 extra every year for auto insurance in Temple. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Temple, LA Savings / Yr. |
|---|---|
$781 |
|
$1,371 |
|
$975 |
|
$1,471 |
|
$2,334 |
|
$725 |
|
$1,246 |
Temple Car Insurance vs. Louisiana
People living in Temple pay an average of 6.75% less than the typical driver in the state. The average driver in Temple can expect to pay about $1,777 per year, or $2,810 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Temple for most people.
Car Insurance Prices by Temple Neighborhood
Insurance Prices
Where is insurance cheapest within Temple?
The map shows insurance prices in and around Temple, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $0 per year within the city boundaries, with insurance premiums ranging from a high of $2,810 to a low of $2,810. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Central parts of Temple.Pick the Best Car Insurance Company for You in Temple
The best car insurance provider for most drivers in Temple
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $781 over the average Temple car insurance company.
The best car insurance provider for Temple drivers with accidents on their records
In our analysis, Farm Bureau saved the average person who had been in an accident the most, with annual savings averaging $1,371 over the competition.
The best car insurance company for Temple drivers with speeding tickets
>Farm Bureau gave the average person with a speeding ticket the most savings, averaging $975 better than other car insurance companies.
The best auto insurance for Temple drivers with a DUI conviction
Getting a quote from Farm Bureau may cost the average person with a DUI about $1,471 less each year.
The least expensive car insurance company for new and young drivers in Temple
In Temple, Farm Bureau costs young drivers $2,334 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Temple
Farm Bureau gave the largest car insurance discounts to married couples, averaging $725 saved each year compared to an average Temple couple's premiums.
The cheapest car insurance in Temple for drivers with bad credit
The best Temple car insurance company for customer service
Recent price drops
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The cheapest large national provider in Temple
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Temple driver can expect to pay about $222 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Temple, USAA has the best prices for drivers with speeding tickets, young drivers, drivers with bad credit, drivers with accidents, good drivers, drivers with a DUI conviction, and married couples.Auto Insurance Prices in and Around Temple
What Influences the Cost of Car Insurance in Temple?
On average, car insurance in Temple is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Temple is 36 minutes, which is about the national average for a driver in the state.
- Louisiana state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Temple are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of F according to CrimeGrade.org.
- Temple is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Temple is $148 per month for minimum coverage and $234 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Hutton: Insurance costs 0.04% more
- Simpson: Insurance costs 1.46% more
- Pine Coupee: Insurance costs 0.14% more
- Mora: Insurance costs 0.28% more
- Hicks: Insurance costs 0.39% more
- Flatwoods: Insurance costs 0.18% more
- Stille: Insurance costs 1.57% more
- Walnut Hill: Insurance costs 2.21% less
- Lacamp: Insurance costs 1.81% more
- Leander: Insurance costs 3.10% more
Cities with Similar Populations
- Freemanville: Insurance costs 44.38% less
- Garita: Insurance costs 46.41% less
- Garden City: Insurance costs 59.47% less
- Gandy: Insurance costs 48.15% less
- Gahagan: Insurance costs 1.85% more
- Frye: Insurance costs 65.98% less
- Fruto: Insurance costs 34.45% less
- Frog Pond: Insurance costs 56.44% less
- Fritz: Insurance costs 15.98% less
- Frenchs Corners: Insurance costs 49.89% less