Cheapest Car Insurance in Tyler, TX (2026)

Tyler drivers pay an average of $864 per year for minimum coverage and $1920 per year for full coverage. Tyler has some of Texas's highest rates due to extreme weather patterns like hailstorms and tornadoes that increase auto damage risk. 

• Cheapest minimum liability coverage: State Farm has Tyler's cheapest minimum coverage at $504 per year ($42 monthly). That's 42% lower than the city average of $864, saving you $360 annually. GEICO ranks second for minimum coverage at $689 per year ($57 monthly), a 20% savings compared to the city average.
• Cheapest full coverage: State Farm offers the lowest full coverage at $1164 annually ($97 monthly), 39% below the city average of $1920. That's $756 in annual savings. GEICO's full coverage costs $1401 per year ($117 monthly), still 27% below the city average but $237 more than State Farm annually.

Young drivers in Tyler have the highest car insurance costs, while adults and seniors enjoy more affordable options. Here are the most budget-friendly car insurance companies in Tyler by age group:

• Adults: State Farm and GEICO lead as the most affordable choices
• Seniors: State Farm and GEICO again provide the lowest rates for older drivers
• Young drivers: State Farm and GEICO offer the best value despite higher premiums for this age group

State Farm helps young drivers reduce costs through its Steer Clear program, offering up to 15% savings for drivers under 25 who complete the course. GEICO supports seniors aged 50 and older with defensive driving course discounts and offers mature drivers with clean five-year records up to 10% savings.

Shopping around after a violation helps you find insurers with lower rates. These Tyler companies offer the most affordable coverage for drivers with violations:

• Accident: State Farm at $49 and Germania Insurance at $78 monthly
• Ticket: State Farm at $42 and GEICO at $66 monthly
• DUI: State Farm at $68 and Mercury at $88 monthly

In Texas, minor violations stay on your record for three years, with rates decreasing afterward.

Car insurance costs vary depending on your ZIP code. Residents in 75704 have the most affordable full coverage at $151 monthly, while those in 75708 have the highest rates at $194 monthly. Check the table below to find exact car insurance costs for your specific Tyler ZIP code.

State Farm earned 94 out of 100 on MoneyGeek's rating scale. GEICO follows closely with 89 out of 100. State Farm dominates in affordability and customer experience. Our evaluation considered agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and customer reviews across multiple platforms.

GEICO also performs strongly in affordability, ranking second. Both insurers maintain excellent financial stability ratings.

See below for why each insurer is best and which fits your needs.

Tyler drivers have high car insurance costs compared to other Texas cities. Shop around, secure affordable rates and select appropriate coverage:

Our insurance experts provide answers to common questions about car insurance costs in Tyler:

Tyler drivers pay some of Texas's highest car insurance rates, complicated by the area's susceptibility to severe hailstorms, occasional flooding and growing traffic density. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Texas Department of Insurance and Quadrant Information Services. Our research covered all Tyler ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by Tyler's exposure to particularly severe hailstorms in northeastern Texas, increasing traffic density and motor vehicle theft incidents.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Texas's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling flood-related accidents.

Coverage options (10%): More choices mean better odds of matching coverage to Tyler risks like flood damage, uninsured motorists and hail damage in high-risk areas.