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: August 29, 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% |
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.
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Age Group:Adult Drivers
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Gender:Female
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coverage_user_friendly:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record: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 significantly by age in Tyler. Based on our research, here's who offers the lowest rates for each age group:
- Cheapest Car Insurance for Young Drivers (16-25): State Farm at $95 per month
- Cheapest Car Insurance for Adults (26-64): State Farm at $42 per month
- Cheapest Car Insurance for Seniors (65+): State Farm at $49 per month
Cheapest Car Insurance for Young Drivers in Tyler
State Farm and GEICO provide the most affordable car insurance for young drivers in Tyler, with monthly rates starting at $95 and $100 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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
In Tyler, State Farm provides the lowest rates for adult drivers (26 to 64), saving drivers around 45% on average. GEICO and AAA are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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
For Tyler seniors aged 65 and up, State Farm provides the lowest rates for both coverage types. Minimum coverage costs $49 monthly or $586 annually, while full coverage runs $109 per month or $1,305 per year.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record: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
These insurance companies offer the lowest rates for high-risk drivers in Tyler:
- Cheapest for Bad Credit: GEICO (from $83 per month)
- Cheapest With a DUI: State Farm (from $68 per month)
- Cheapest With an Accident: State Farm (from $50 per month)
- Cheapest With a Speeding Ticket: State Farm (from $42 per month)
Cheapest Car Insurance for Bad Credit in Tyler
GEICO offers the cheapest car insurance for bad credit in Tyler, with monthly rates starting at $83 for minimum coverage and $195 for full coverage. These affordable rates apply to state minimum liability coverage and full coverage with 100/300/100 liability limits and a $1,000 deductible.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record: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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment: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 driver discounts available
cons
Limited coverage options
Higher rates for newer car
COMPANY HIGHLIGHTS
State Farm ranks as Tyler's top car insurance provider with the most affordable rates. Their minimum coverage starts at $42 monthly, significantly below the city average. The company excels in customer service and leads in affordability for most driver categories, including seniors, accident-prone drivers, and those with older vehicles. Their strong customer satisfaction ratings translate to smooth claims processing and responsive support.
GEICO: Best for Specialized Coverage
pros
Strong digital tools and apps
Good rates for young drivers
Multiple discount options
cons
Higher base rates than State Farm
Average customer service scores
COMPANY HIGHLIGHTS
GEICO stands out as Tyler's second-best insurance option, offering competitive rates and excellent online tools. They particularly excel with specific driver groups, providing the best rates for young drivers and those with newer vehicles. Their full coverage premium of $117 monthly stays well below the city average. While their base rates run higher than State Farm's, GEICO's extensive discount program helps many drivers lower their 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.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record: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.
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ZIP Code:75701
| 75701 | $67 | $154 |
How To Get The Best Cheap Tyler Car Insurance
Finding affordable car insurance in Tyler can feel overwhelming, with local rates running higher than the Texas average and numerous coverage options to sort through. Our step-by-step guide shows you exactly how to secure the cheapest car insurance rates while maintaining the right coverage for your needs.
- 1
Know your coverage needs
Start by determining how much coverage you need for your Tyler commute. Consider your car's value, your savings, and local traffic patterns. Our car insurance coverage needs calculator can help you find the right balance between protection and cost.
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Explore different coverage types
Learn about various types of car insurance that could save you money. If you drive less than average, consider pay-per-mile coverage. Don't own a car? Look into non-owner insurance for occasional driving.
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Check Tyler insurance rates
Research average vehicle insurance costs in Tyler to set realistic expectations. Knowing the typical rates helps you spot good deals and avoid overpaying. Compare these averages to quotes you receive.
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Find available discounts
Look for car insurance discount opportunities. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Many insurers offer safe driver, good student, and professional organization discounts.
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Review company ratings
Check each insurer's customer service ratings and claims satisfaction scores for Texas. Look for companies with strong financial stability and positive reviews from Tyler residents. A low premium isn't worth it if the company provides poor service.
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Get multiple quotes
Contact at least three different insurance companies for quotes. Use a mix of national providers and local Tyler agents. Each company uses different factors to set rates, so comparing multiple quotes helps you find the best deal.
- 7
Review coverage annually
Set a yearly reminder to review your policy. Your insurance needs may change as your car ages or your driving habits shift. Regular reviews ensure you maintain the right coverage at the best price for your situation.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
