Cheap Car Insurance in Temple, TX

Temple was founded in 1881 and named for the area’s chief railroad engineer, Bernard M. Temple. Today, about 93,000 people call the city home and enjoy its activities for almost every interest, including a children’s museum, a symphony orchestra and other live music, numerous parks and trails with playgrounds, and sporting events. Temple is part of Bell County with easy access to Austin and Waco.

If you’re one of the locals who drives about 20 minutes each day to work, make sure you have good car coverage to protect you on your commute. Drivers must have car insurance in Texas to drive legally — the state requires liability coverage to protect other drivers if you crash into them. This coverage also saves you from paying out-of-pocket expenses up to the policy’s limits (30/60/25). Keep reading to learn more about liability coverage and how you can find discounts on car insurance.

Liability car insurance in Temple, Texas, costs about $41 a month, and full coverage costs about $144 a month. The national monthly average is $48 for liability and $147 for full coverage.

What Does Full vs. Minimum Mean?

Minimum coverage is the state-mandated liability insurance that pays for the damage you cause someone else in an accident that’s your fault. This includes vehicle and non-vehicle property damage — for example, if your foot slips onto the gas pedal and you find your front end against the side of the Wilson Park Recreation Center, your liability policy would take care of the building damage. If you had full coverage in this scenario, the collision portion of your policy would pay for your car repairs — and your medical payments coverage would take care of your medical bills.

Full coverage includes rental reimbursement, towing, labor coverage, and comprehensive, which covers non-vehicle-related expenses, such as tornado damage, fire, or auto theft.

Personal injury protection (PIP) and uninsured/underinsured (UM/UIM) driver coverage are included in a full policy unless you reject each of these in writing. PIP covers medical bills for you and your passengers, as well as lost wages. UM/UIM insurance pays for medical and car rental costs and property damage when another driver hits you and runs or if a driver with little or no coverage hits you.

How Many Fatal Accidents Happen in Temple?

There were 12 fatal accidents in Temple in 2022.

How Are the Road Infrastructure and Bridges in Temple?

The Street Services Division of the City of Temple Department of Public Works maintains the city’s streets, alleys, city-owned parking lots, curbs and gutters, and street surfaces. Residents may contact Transportation Services to report local issues, such as potholes, street or traffic light outages, low-hanging tree limbs, missing street signs, or any other issue posing a threat to city drivers and pedestrians at the city’s website.

The city, in cooperation with the Texas Department of Transportation (TxDOT), maintains and upgrades the area’s highway infrastructures, such as the 57th Street Bridge rebuild over Interstate Highway 35, to make these roads safer for travelers.

Young drivers generally lack driving experience, and statistics show they tend to engage in more risky behavior, such as texting while driving. This means they are considered at higher risk of having an accident and would benefit from full coverage. You can buy them their own policy, but adding a young driver to an existing policy is usually cheaper.

Statistics show older drivers are more likely to suffer severe injuries in a car accident, so it’s a good idea to have full coverage, including personal injury protection (PIP) and medical payments coverage, especially with the increased cost of healthcare. An older person on a budget who is retired and, therefore, driving fewer miles may want to look into usage-based insurance.