State Farm offers the lowest car insurance rates in Tyler with annual premiums of $504 for minimum coverage and $1,164 for full coverage. Other affordable insurers in the city include GEICO, AAA and Mercury.
Car Insurance in Tyler
Updated: November 26, 2025
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Key Takeaways
Tyler's cheapest car insurance companies are State Farm, GEICO and AAA, with rates up to 43% lower than the city average.
Monthly car insurance costs in Tyler average $160 for full coverage and $72 for minimum coverage.
You'll find the best cheap auto insurance in Tyler by comparing quotes from multiple sources and choosing the right level of coverage for your needs.
Who Has the Cheapest Car Insurance in Tyler?
| State Farm | $42 | $97 | -43% |
| GEICO | $57 | $117 | -29% |
| AAA | $64 | $132 | -20% |
| Mercury | $65 | $147 | -14% |
| Germania | $78 | $157 | -4% |
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Compare the Cheapest Tyler Car Insurance for You
Your car insurance rates depend heavily on your driving record and personal details. Check the table below to find the cheapest insurance company for your specific profile.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $120 | $1,445 | -49% |
| Germania Insurance | $150 | $1,795 | -37% |
| Geico | $179 | $2,149 | -24% |
| AAA | $186 | $2,238 | -21% |
| Farmers | $255 | $3,060 | 8% |
Cheapest Car Insurance by Age Group in Tyler
Car insurance prices vary by age in Tyler. State Farm offers the lowest rates across all age groups:
- Young drivers (16 to 25): $95 per month
- Adults (26 to 64): $42 per month
- Seniors (65 and older): $49 per month
Cheapest Car Insurance for Young Drivers in Tyler
State Farm and GEICO offer the most affordable car insurance for young drivers in Tyler at $95 and $100 monthly.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $95 | $1,143 | -47% |
| GEICO | $100 | $1,205 | -44% |
| AAA | $148 | $1,771 | -18% |
| Germania | $160 | $1,920 | -11% |
| Dairyland | $169 | $2,023 | -6% |
Cheapest Car Insurance for Adult Drivers in Tyler
State Farm offers the lowest rates for adult drivers (26 to 64) in Tyler, with savings around 45% compared to the city average. GEICO and AAA also offer competitive rates for this age group.
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $42 | $504 | -45% |
| GEICO | $57 | $689 | -24% |
| AAA | $64 | $772 | -15% |
| Mercury | $65 | $783 | -14% |
| Germania | $78 | $933 | 3% |
Cheapest Car Insurance for Senior Drivers in Tyler
State Farm offers the lowest rates for Tyler seniors (65 and older). Minimum coverage costs $49 monthly ($586 annually), while full coverage costs $109 monthly ($1,305 annually).
Data filtered by:
State Minimum Liability Only
Male
Good
Clean
| State Farm | $49 | $586 | -50% |
| Geico | $75 | $905 | -23% |
| Germania Insurance | $83 | $994 | -15% |
| AAA | $88 | $1,055 | -10% |
| Dairyland | $93 | $1,116 | -5% |
Cheapest Car Insurance for High-Risk Drivers in Tyler
State Farm and GEICO offer the lowest rates for high-risk drivers in Tyler:
- Bad credit: GEICO at $83 monthly
- DUI: State Farm at $68 monthly
- At-fault accident: State Farm at $50 monthly
- Speeding ticket: State Farm at $42 monthly
Cheapest Car Insurance for Bad Credit in Tyler
Drivers with bad credit in Tyler can get the lowest rates from GEICO, averaging $83 per month for minimum coverage and $195 for full coverage. These rates reflect state minimum liability limits and full coverage with 100/300/100 liability limits and a $1,000 deductible.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Clean
| GEICO | $83 | $997 | -52% |
| Dairyland | $107 | $1,285 | -38% |
| Allstate | $120 | $1,438 | -30% |
| Germania | $130 | $1,558 | -25% |
| Chubb | $145 | $1,739 | -16% |
Cheapest Car Insurance With a DUI in Tyler
State Farm offers the most affordable car insurance rates for Tyler drivers with a DUI. You can save up to 42% on minimum coverage and 38% on full coverage compared to typical city rates.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $68 | $819 | -42% |
| Mercury | $88 | $1,060 | -26% |
| Farmers | $90 | $1,078 | -24% |
| Dairyland | $96 | $1,148 | -19% |
| GEICO | $100 | $1,197 | -16% |
Cheapest Car Insurance With an Accident in Tyler
State Farm offers Tyler's lowest car insurance rates for drivers with accidents, starting at $50 per month. This rate is 54% below the city average for similar coverage.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $50 | $595 | -54% |
| Germania | $79 | $947 | -26% |
| GEICO | $79 | $948 | -26% |
| Farmers | $83 | $1,001 | -22% |
| AAA | $94 | $1,133 | -12% |
Cheapest Car Insurance With a Speeding Ticket in Tyler
State Farm offers Tyler's most affordable car insurance for drivers with speeding tickets. Their minimum liability coverage costs about $42 monthly, while full coverage runs around $97 per month. Both rates sit well below the city average, making State Farm a cost-effective choice for Tyler drivers with recent moving violations.
Data filtered by:
Adult Drivers
State Minimum Liability Only
Male
Good
| State Farm | $42 | $504 | -53% |
| GEICO | $66 | $794 | -26% |
| Germania | $78 | $933 | -13% |
| AAA | $85 | $1,020 | -5% |
| Mercury | $90 | $1,084 | 1% |
Best Car Insurance Companies in Tyler
In Tyler, the leading car insurance companies are State Farm, GEICO, AAA and Mercury. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 90 | 2 | 6 | 6 |
| AAA | 87 | 3 | 4 | 6 |
| Mercury | 86 | 4 | 5 | 4 |
| Progressive | 83 | 6 | 2 | 2 |
State Farm: Best Overall Value
pros
Lowest rates in Tyler
High customer satisfaction ratings
Multiple discounts available
cons
Limited coverage options
Higher rates for newer cars
COMPANY HIGHLIGHTS
State Farm ranks as Tyler's top car insurance provider with the most affordable rates. Minimum coverage starts at $42 monthly, well below the city average. State Farm leads in affordability for most driver categories, including seniors, drivers with accidents and those with older vehicles. Strong customer satisfaction ratings reflect smooth claims processing and responsive support.
GEICO: Best for Specialized Coverage
pros
Good digital tools and app
Competitive rates for young drivers
Multiple discounts available
cons
Higher base rates than State Farm
Average customer service scores
COMPANY HIGHLIGHTS
GEICO ranks second in Tyler with competitive rates and strong online tools. The insurer offers the best rates for young drivers and those with newer vehicles. Full coverage costs $117 monthly, well below the city average. While base rates run higher than State Farm's, GEICO's discount program helps many drivers lower costs.
How Much Is Car Insurance in Tyler?
In Tyler, minimum coverage costs about $72 per month or $859 per year, ranking 1,339th out of all Texas cities for affordability. Full coverage averages $160 monthly or $1,924 annually, ranking 1,311th among Texas cities.
| Full Coverage | $160 | $1,924 |
| Minimum Coverage | $72 | $859 |
Compare Personalized Tyler Car Insurance Costs
Use the table below to find Tyler car insurance rates that match your exact profile by combining factors like age and driving history.
Data filtered by:
Adult Drivers
Female
100/300/100 Full Cov. w/$1,000 Ded.
Good
At Fault Accident ($1000-$1999 Prop Dmg)
| $235 | $2,816 | 8% |
Tyler Car Insurance costs By ZIP Code
In Tyler, car insurance rates by ZIP code range from $66 to $194 per month. ZIP code 75709 is the most expensive, while 75703 is the cheapest. Check the average rates for your ZIP code below.
Data filtered by:
75701
| 75701 | $67 | $154 |
How To Get The Best Cheap Tyler Car Insurance
Finding affordable car insurance in Tyler can feel overwhelming. Local rates run higher than the Texas average, and you'll face numerous coverage options. This guide shows you how to secure the cheapest car insurance rates while maintaining the right coverage for your needs.
- 1Know your coverage needs
Think about your car’s value, your savings and how often you’re on busy roads. Our car insurance coverage needs calculator can guide you toward a level of financial protection that fits your budget.
- 2Explore different coverage types
Familiarize yourself with different types of car insurance that can help you save. If you don’t drive often, pay-per-mile insurance may work for you. If you don’t own a car but drive occasionally, non-owner coverage is another option to consider.
- 3Check Tyler insurance rates
Look up the average insurance costs in Tyler so you know what most drivers pay. Having a baseline helps you spot a fair deal and avoid paying more than you should. Compare these averages with the quotes you receive.
- 4Find available discounts
Go for auto insurance discount programs you might qualify for. Bundling policies or insuring multiple cars can lower your bill. Some insurers also offer savings for safe drivers, good students and members of certain organizations.
- 5Review company ratings
Check each insurer’s customer service and claims ratings in Texas. It also helps to see feedback from Tyler drivers. A low rate won’t matter if the company is difficult to deal with when you need help.
- 6Get multiple quotes
Reach out to at least three insurers for quotes. Try a mix of national carriers and local agents in Tyler. Since each company calculates risk differently, comparing several offers gives you a better chance of finding a strong rate.
- 7Review coverage annually
Do a quick yearly check of your policy. Your needs can shift as your car gets older or your routine changes. An annual review keeps your coverage aligned with your situation without paying more than necessary.
Cheapest Car Insurance in Tyler: Bottom Line
Car insurance rates in Tyler depend on your age, driving record and credit score. State Farm and GEICO offer the cheapest average premiums in the city, but compare quotes from multiple providers to find your best rate.
Cheap Tyler Car Insurance: FAQ
Looking for cheap car insurance in Tyler? Our research team answers your most common questions about finding affordable coverage that fits your needs. We break down local insurance requirements, rates and discounts to help you make informed decisions about your policy.
What is the cheapest car insurance company in Tyler, Texas?
State Farm offers the lowest rates in Tyler, with average annual premiums of $504 for minimum coverage and $1,164 for full coverage. Actual rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Tyler?
State Farm leads Tyler's car insurance providers with a MoneyGeek score of 95 out of 100, scoring five points higher than GEICO. State Farm excels in both affordability and customer service quality.
What is the average cost of car insurance in Tyler?
In Tyler, Texas, drivers pay $1,924 per year for full coverage and $859 for minimum coverage. Your actual rates will vary based on individual factors.
Is car insurance in Tyler expensive?
Car insurance in Tyler costs more than average, ranking 1339th for minimum coverage affordability and 1311th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Tyler, TX
To help Tyler drivers find the most affordable auto insurance companies, MoneyGeek analyzed Tyler auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Tyler and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Tyler Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Tyler with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Tyler
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Tyler based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
