Temple City drivers can compare car insurance quotes from multiple California carriers, and with only 25 vehicle thefts reported in 2025, there is plenty to ask about.
How Much Does Car Insurance Cost in Temple City?
Temple City's vehicle theft rate is about 0.7 per thousand people, well under the state average of 3.2, which can work in a driver's favor when ZIP code 91780 is considered as an optional rating factor. Under Prop 103, though, your driving record, annual mileage and years of experience count most, and a commute averaging about 32 minutes can add up on the odometer.
| Factor | Temple City | California |
|---|---|---|
| Average commute | 32 min | 29 min |
| Homes with 2+ cars | 71% | 63% |
| Car thefts per 1,000 | 0.7 | 3.2 |
| ZIP codes | 1 |
Why Temple City Drivers Compare Quotes With A1
Each carrier weighs those factors a little differently, so the same driver can see different prices from one company to the next. An independent broker like A1 compares quotes from several California carriers at once, and quotes are free.
About Temple City, California
Temple City is an incorporated city in Los Angeles County with about 35,749 residents. It covers roughly 4 square miles at about 400 feet in elevation. Neighbors such as San Gabriel, Arcadia and El Monte are all within a few miles, and El Monte is the nearest city over 100,000 people.
- County
- Los Angeles County
- Population
- 35,749 (Census est.)
- Major routes
- SR-164
Driving in Temple City: What to Know
Most residents commute by car, with about 68% driving alone, and only about 4% use public transit. The average commute of about 32 minutes is longer than the state average of 29 minutes, so more time on the road means more exposure for your policy. About 71% of households have two or more vehicles, compared with 63% statewide, so many families insure more than one car. SR-164 runs through or near the city, and that regular freeway and surface street mix is worth keeping in mind when you choose liability limits.
State highways through or near Temple City:
Sources: U.S. Census Bureau, American Community Survey 2019–2023; California DOJ OpenJustice (2025); Caltrans State Highway Network.
DMV Office and Traffic Court for Temple City
The nearest DMV office is El Monte DMV at 4000 Arden Drive, El Monte, CA 91731, about 1.7 miles away.
Nearest DMV: El Monte
4000 Arden Drive, El Monte, CA 91731
About 1.7 miles from Temple City
California Car Insurance Rules for Temple City Drivers
California's minimum liability limits are 30/60/15, meaning $30,000 per person, $60,000 per accident and $15,000 for property damage. Drivers with a clean record may qualify for a Good Driver Discount of at least 20%, and credit scores and gender can't be used to set your rate.
Guides: Minimum coverage · Discounts · SR-22 and high-risk · Driving uninsured · How rates are set
Temple City ZIP Codes and Nearby Areas
ZIP codes in Temple City:
Nearby cities and communities:
More About Temple City
Temple City is a quiet, tree-lined pocket of the San Gabriel Valley with a small-town feel and big neighbors close by. Where to start:
- The Camellia City nickname. Temple City is known for its camellias, and the flower shows up in the city's festivals, landscaping and local pride.
- Camellia Festival and Parade. A hometown tradition for decades, this springtime celebration brings neighbors together along the parade route with floats, bands and community groups.
- San Gabriel Valley eats. Las Tunas Drive and Rosemead Boulevard are lined with bakeries, noodle shops and family-run restaurants, part of the valley's famous Asian food scene.
- Neighbors worth visiting. The Los Angeles County Arboretum and Santa Anita Park in Arcadia are just a short trip away, and the San Gabriel Mountains frame the skyline.
Temple City Car Insurance FAQ
Does Temple City's low theft rate mean cheaper insurance?
It can help, since ZIP code is an optional rating factor and the city's theft rate of about 0.7 per thousand is far below the state's 3.2. Your driving record, mileage and experience still matter most.
Does my commute affect my car insurance rate?
Yes, annual mileage is one of the top factors under Prop 103. Temple City's average commute is about 32 minutes, so a daily drive can raise your mileage, while working from home may lower it.
Do I need comprehensive coverage in Temple City?
Comprehensive pays for theft, fire, flood and vandalism, while liability-only does not cover your own car. Theft is relatively low here, but if you would struggle to replace your car, comprehensive is worth pricing.