Compare Rates and Save On Auto Insurance

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The most affordable insurer for you will be based on your driver profile and needs. State Farm is the most affordable insurance company for full and minimum coverage policies, along with military drivers and drivers with a speeding ticket or an at-fault accident. It is also the best cheap insurer in Tyler.

Meanwhile, Mercury offers the lowest-priced policies for drivers with DUIs, and Nationwide has the cheapest policies for teens.

Texas Farm Bureau offers the best full coverage policies, and Chubb will suit you if you want the best customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceTyler
2023

Cheapest and Best Car Insurance in Tyler, TX

Cheapest Minimum Liability Car Insurance in Tyler

Based on MoneyGeek’s analysis, the following companies offer the cheapest minimum coverage policies in Tyler:

  • State Farm: $315 per year
  • Allstate: $370 per year

Dairyland’s policy is the most expensive, costing an average of $954 annually as of October 2022.

On a statewide basis, State Farm is also the cheapest insurance provider in Texas for minimum coverage. It offers a policy at slightly cheaper rates than the typical premium in Tyler, charging an average of $300 per year.

Company
Annual Premium
Monthly Premium

State Farm

$293

$24

State Farm

$315

$26

Texas Farm Bureau

$359

$30

Allstate

$370

$31

Allstate

$379

$32

State Farm

$385

$32

Mercury

$393

$33

Texas Farm Bureau

$412

$34

Mercury

$429

$36

Allstate

$462

$39

AAA Texas

$495

$41

Mercury

$508

$42

Nationwide

$521

$43

AAA Texas

$521

$43

Texas Farm Bureau

$531

$44

GEICO

$541

$45

Nationwide

$546

$46

GEICO

$567

$47

Progressive

$576

$48

Progressive

$588

$49

Chubb

$617

$51

GEICO

$618

$51

State Farm

$618

$52

AAA Texas

$637

$53

Chubb

$678

$57

State Farm

$680

$57

Foremost

$689

$57

Progressive

$691

$58

Texas Farm Bureau

$696

$58

National General

$711

$59

Nationwide

$734

$61

National General

$735

$61

Allstate

$765

$64

Foremost

$811

$68

Texas Farm Bureau

$836

$70

Allstate

$836

$70

Mercury

$847

$71

Nationwide

$868

$72

State Farm

$882

$73

Mercury

$897

$75

National General

$905

$75

Dairyland

$923

$77

GEICO

$946

$79

Foremost

$946

$79

Dairyland

$954

$79

GEICO

$963

$80

AAA Texas

$978

$82

AAA Texas

$983

$82

Texas Farm Bureau

$1,036

$86

Nationwide

$1,060

$88

Allstate

$1,123

$94

GEICO

$1,127

$94

Dairyland

$1,130

$94

Mercury

$1,158

$96

Chubb

$1,191

$99

Chubb

$1,203

$100

Nationwide

$1,280

$107

AAA Texas

$1,284

$107

Chubb

$1,381

$115

Progressive

$1,392

$116

Progressive

$1,439

$120

National General

$1,456

$121

Foremost

$1,510

$126

National General

$1,594

$133

Dairyland

$1,607

$134

Foremost

$1,615

$135

National General

$1,785

$149

Dairyland

$1,790

$149

Progressive

$1,809

$151

Foremost

$2,023

$169

Chubb

$2,171

$181

Dairyland

$2,198

$183

A minimum coverage policy in Texas only covers bodily injury and property damage liability. It has the following limits:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

These limits can help you understand how much the insurer will pay in case of an accident. For instance, with a minimum policy, the bodily injury coverage limits show that the company will pay $30,000 for each injured third party, with a maximum of $60,000 per accident.

Cheapest Full Coverage Car Insurance in Tyler

Drivers looking for a full coverage policy in Tyler will find the most affordable rates with these companies:

  • State Farm: $680 per year
  • Texas Farm Bureau: $836 per year

Dairyland offers the most expensive full coverage policy of the insurers we reviewed, charging an average of $1,790 annually as of October 2022.

Zooming out to a state-level view, State Farm still has the cheapest full coverage auto insurance in Texas. However, the costs are a bit higher than in Tyler, as the average full coverage State Farm policy across Texas costs $711 per year.

Company
Annual Premium
Monthly Premium

State Farm

$293

$24

State Farm

$315

$26

Texas Farm Bureau

$359

$30

Allstate

$370

$31

Allstate

$379

$32

State Farm

$385

$32

Mercury

$393

$33

Texas Farm Bureau

$412

$34

Mercury

$429

$36

Allstate

$462

$39

AAA Texas

$495

$41

Mercury

$508

$42

Nationwide

$521

$43

AAA Texas

$521

$43

Texas Farm Bureau

$531

$44

GEICO

$541

$45

Nationwide

$546

$46

GEICO

$567

$47

Progressive

$576

$48

Progressive

$588

$49

Chubb

$617

$51

GEICO

$618

$51

State Farm

$618

$52

AAA Texas

$637

$53

Chubb

$678

$57

State Farm

$680

$57

Foremost

$689

$57

Progressive

$691

$58

Texas Farm Bureau

$696

$58

National General

$711

$59

Nationwide

$734

$61

National General

$735

$61

Allstate

$765

$64

Foremost

$811

$68

Texas Farm Bureau

$836

$70

Allstate

$836

$70

Mercury

$847

$71

Nationwide

$868

$72

State Farm

$882

$73

Mercury

$897

$75

National General

$905

$75

Dairyland

$923

$77

GEICO

$946

$79

Foremost

$946

$79

Dairyland

$954

$79

GEICO

$963

$80

AAA Texas

$978

$82

AAA Texas

$983

$82

Texas Farm Bureau

$1,036

$86

Nationwide

$1,060

$88

Allstate

$1,123

$94

GEICO

$1,127

$94

Dairyland

$1,130

$94

Mercury

$1,158

$96

Chubb

$1,191

$99

Chubb

$1,203

$100

Nationwide

$1,280

$107

AAA Texas

$1,284

$107

Chubb

$1,381

$115

Progressive

$1,392

$116

Progressive

$1,439

$120

National General

$1,456

$121

Foremost

$1,510

$126

National General

$1,594

$133

Dairyland

$1,607

$134

Foremost

$1,615

$135

National General

$1,785

$149

Dairyland

$1,790

$149

Progressive

$1,809

$151

Foremost

$2,023

$169

Chubb

$2,171

$181

Dairyland

$2,198

$183

A full coverage policy generally includes comprehensive and collision insurance.

  • Comprehensive Insurance: Helps you cover your vehicle's repair or replacement expenses if it is damaged in an incident other than a collision, like severe weather events, theft or vandalism.
  • Collision Insurance: Pays for repairing or replacing your vehicle if you damage it in an at-fault collision, either with another vehicle or a different object.

You may want to avoid buying full coverage car insurance for an older vehicle, as the cost of such a policy may exceed your vehicle's worth.

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Cheapest Car Insurance in Tyler After a Driving Offense

MoneyGeek analyzed the following cheapest companies for drivers with various driving violations on their records:

  • Speeding ticket: State Farm ($680 per year)
  • At-fault accident: State Farm ($845 per year)
  • DUI: Mercury ($1,161 per year)

When it comes to the most expensive rates for drivers with these violations, Chubb charges $2,704 per year for drivers with DUIs, while Foremost has the costliest policy for those with accidents ($3,500 per year). Meanwhile, Dairyland has the most expensive policy for drivers with speeding tickets, averaging $2,194 per year.

Violations on your record can immensely affect your rates. Even the cheapest companies for drivers with such records are usually significantly more expensive than those for safe drivers.

Company
Annual Premium
Monthly Premium

State Farm

$293

$24

State Farm

$315

$26

Texas Farm Bureau

$359

$30

Allstate

$370

$31

State Farm

$378

$31

Allstate

$379

$32

State Farm

$385

$32

State Farm

$402

$34

Texas Farm Bureau

$412

$34

Allstate

$462

$39

State Farm

$480

$40

Texas Farm Bureau

$531

$44

Mercury

$547

$46

Mercury

$563

$47

State Farm

$586

$49

State Farm

$610

$51

GEICO

$612

$51

Nationwide

$616

$51

State Farm

$618

$52

Allstate

$631

$53

Progressive

$638

$53

Nationwide

$642

$54

GEICO

$644

$54

Allstate

$647

$54

Texas Farm Bureau

$654

$54

Mercury

$660

$55

AAA Texas

$666

$56

Chubb

$667

$56

GEICO

$669

$56

Mercury

$670

$56

Allstate

$678

$56

State Farm

$680

$57

Mercury

$686

$57

Progressive

$687

$57

State Farm

$687

$57

Progressive

$693

$58

Allstate

$695

$58

Texas Farm Bureau

$696

$58

Texas Farm Bureau

$701

$58

AAA Texas

$701

$58

Mercury

$716

$60

Chubb

$732

$61

GEICO

$739

$62

Progressive

$749

$62

AAA Texas

$749

$62

Allstate

$765

$64

Progressive

$765

$64

Foremost

$774

$65

State Farm

$778

$65

AAA Texas

$786

$66

AAA Texas

$789

$66

Allstate

$791

$66

GEICO

$796

$66

National General

$807

$67

GEICO

$812

$68

National General

$820

$68

Mercury

$824

$69

Progressive

$824

$69

Foremost

$826

$69

AAA Texas

$827

$69

National General

$833

$69

Texas Farm Bureau

$836

$70

Allstate

$836

$70

Nationwide

$839

$70

State Farm

$845

$70

Texas Farm Bureau

$847

$71

Allstate

$850

$71

National General

$853

$71

AAA Texas

$856

$71

Nationwide

$867

$72

State Farm

$882

$73

Nationwide

$899

$75

Texas Farm Bureau

$906

$75

Progressive

$913

$76

Foremost

$918

$77

Chubb

$923

$77

Dairyland

$937

$78

GEICO

$947

$79

GEICO

$947

$79

AAA Texas

$962

$80

Dairyland

$968

$81

Mercury

$978

$81

Texas Farm Bureau

$980

$82

Foremost

$987

$82

Progressive

$1,002

$84

AAA Texas

$1,010

$84

Chubb

$1,014

$84

National General

$1,024

$85

National General

$1,026

$86

GEICO

$1,035

$86

Foremost

$1,035

$86

Texas Farm Bureau

$1,036

$86

Progressive

$1,057

$88

State Farm

$1,067

$89

Mercury

$1,070

$89

Nationwide

$1,074

$90

Nationwide

$1,080

$90

Foremost

$1,087

$91

Nationwide

$1,108

$92

National General

$1,115

$93

GEICO

$1,119

$93

Allstate

$1,123

$94

GEICO

$1,123

$94

Dairyland

$1,147

$96

Nationwide

$1,153

$96

Mercury

$1,161

$97

National General

$1,167

$97

State Farm

$1,175

$98

Chubb

$1,207

$101

Texas Farm Bureau

$1,216

$101

Mercury

$1,226

$102

Dairyland

$1,229

$102

Nationwide

$1,234

$103

State Farm

$1,241

$103

Allstate

$1,242

$104

GEICO

$1,248

$104

Texas Farm Bureau

$1,286

$107

Chubb

$1,287

$107

Nationwide

$1,289

$107

AAA Texas

$1,290

$108

AAA Texas

$1,292

$108

Chubb

$1,300

$108

Dairyland

$1,312

$109

Allstate

$1,315

$110

Chubb

$1,326

$111

Allstate

$1,334

$111

Mercury

$1,334

$111

National General

$1,336

$111

GEICO

$1,354

$113

Dairyland

$1,367

$114

GEICO

$1,385

$115

Texas Farm Bureau

$1,388

$116

Dairyland

$1,402

$117

Allstate

$1,405

$117

AAA Texas

$1,436

$120

AAA Texas

$1,436

$120

Texas Farm Bureau

$1,451

$121

Nationwide

$1,454

$121

State Farm

$1,463

$122

Nationwide

$1,472

$123

Mercury

$1,473

$123

Mercury

$1,485

$124

Dairyland

$1,487

$124

Chubb

$1,493

$124

AAA Texas

$1,500

$125

AAA Texas

$1,500

$125

GEICO

$1,508

$126

Mercury

$1,552

$129

Nationwide

$1,575

$131

Dairyland

$1,621

$135

Dairyland

$1,622

$135

Progressive

$1,634

$136

Progressive

$1,665

$139

National General

$1,689

$141

AAA Texas

$1,693

$141

GEICO

$1,698

$141

Foremost

$1,725

$144

Texas Farm Bureau

$1,727

$144

Texas Farm Bureau

$1,730

$144

Mercury

$1,747

$146

Foremost

$1,749

$146

Progressive

$1,767

$147

GEICO

$1,773

$148

GEICO

$1,773

$148

Chubb

$1,780

$148

Allstate

$1,794

$149

Chubb

$1,799

$150

Progressive

$1,803

$150

Dairyland

$1,805

$150

National General

$1,807

$151

Nationwide

$1,820

$152

Foremost

$1,842

$154

Foremost

$1,856

$155

AAA Texas

$1,884

$157

Allstate

$1,892

$158

National General

$1,896

$158

National General

$1,914

$159

Nationwide

$1,922

$160

AAA Texas

$1,969

$164

Foremost

$1,995

$166

Nationwide

$2,013

$168

National General

$2,020

$168

Progressive

$2,024

$169

Chubb

$2,065

$172

Foremost

$2,079

$173

Mercury

$2,152

$179

Progressive

$2,157

$180

Mercury

$2,165

$180

Dairyland

$2,194

$183

Texas Farm Bureau

$2,198

$183

Foremost

$2,202

$183

Dairyland

$2,205

$184

Dairyland

$2,215

$185

Foremost

$2,242

$187

National General

$2,249

$187

Progressive

$2,276

$190

National General

$2,326

$194

Chubb

$2,331

$194

Chubb

$2,346

$195

Chubb

$2,354

$196

Foremost

$2,359

$197

Progressive

$2,371

$198

Nationwide

$2,396

$200

Dairyland

$2,479

$207

Dairyland

$2,498

$208

National General

$2,543

$212

National General

$2,580

$215

Dairyland

$2,606

$217

Chubb

$2,704

$225

Progressive

$2,707

$226

Dairyland

$2,783

$232

Chubb

$3,247

$271

Foremost

$3,500

$292

Foremost

$4,066

$339

Foremost

$4,151

$346

Chubb

$4,251

$354

You will likely notice increased rates after a violation, and the severity of your offense also makes a big difference. For instance, the cheapest policy for a driver in Tyler with a DUI costs around $481 per year more than the most affordable policy for a driver with a speeding ticket.

You should shop around and compare quotes for the cheapest rates for poor driving records.

Cheapest Car Insurance in Tyler for Teens and Their Families

The following insurance companies offer the most affordable rates in Tyler for a teen driver on a family policy:

  • Nationwide: $1,557 per year for teen girls and $1,775 per year for teen boys
  • State Farm: $1,758 per year for teen girls and $2,126 per year for teen boys

Allstate is the most expensive insurance provider, charging an average of $6,081 per year for teen girls and $7,156 per year for teen boys.

Insurers usually charge higher rates to insure teen boys due to their higher risk level, but the cost difference generally drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$625

$2,961

State Farm

$728

$3,450

State Farm

$747

$4,027

State Farm

$784

$3,716

Nationwide

$1,022

$2,312

Nationwide

$1,034

$2,488

State Farm

$1,044

$3,557

Nationwide

$1,080

$3,104

State Farm

$1,144

$4,264

Nationwide

$1,144

$3,565

Nationwide

$1,150

$2,603

Nationwide

$1,167

$2,906

State Farm

$1,172

$3,994

Nationwide

$1,213

$2,744

Nationwide

$1,221

$2,941

Nationwide

$1,233

$3,325

State Farm

$1,238

$4,927

State Farm

$1,290

$4,394

Nationwide

$1,295

$3,119

State Farm

$1,373

$5,882

State Farm

$1,397

$5,208

State Farm

$1,433

$5,423

Nationwide

$1,451

$5,059

Nationwide

$1,481

$5,947

Nationwide

$1,514

$4,353

Allstate

$1,543

$2,052

Nationwide

$1,557

$6,430

State Farm

$1,578

$6,678

GEICO

$1,590

$2,966

Nationwide

$1,591

$6,389

GEICO

$1,607

$3,579

GEICO

$1,611

$2,857

GEICO

$1,629

$3,039

GEICO

$1,633

$2,898

Nationwide

$1,642

$6,471

GEICO

$1,644

$3,577

Allstate

$1,661

$2,115

GEICO

$1,668

$3,266

Nationwide

$1,687

$7,526

GEICO

$1,701

$3,173

GEICO

$1,704

$3,277

Nationwide

$1,704

$5,310

State Farm

$1,705

$7,433

State Farm

$1,718

$6,500

GEICO

$1,723

$3,057

State Farm

$1,754

$7,422

State Farm

$1,758

$8,218

Nationwide

$1,775

$8,142

Nationwide

$1,814

$8,091

Allstate

$1,871

$2,489

GEICO

$1,888

$4,794

Allstate

$1,901

$2,920

GEICO

$1,904

$4,241

State Farm

$1,909

$8,347

GEICO

$1,960

$4,882

GEICO

$1,990

$4,329

Allstate

$1,995

$2,653

Progressive

$2,037

$3,179

GEICO

$2,048

$5,735

Progressive

$2,117

$5,209

State Farm

$2,119

$9,265

Progressive

$2,119

$3,144

State Farm

$2,126

$10,272

GEICO

$2,134

$5,897

Allstate

$2,182

$2,778

Allstate

$2,230

$3,399

Allstate

$2,254

$3,313

Foremost

$2,280

$3,765

GEICO

$2,283

$6,394

Progressive

$2,302

$5,639

Foremost

$2,343

$3,239

GEICO

$2,346

$7,578

Allstate

$2,404

$3,061

GEICO

$2,416

$6,677

Progressive

$2,417

$3,585

Foremost

$2,456

$3,395

Foremost

$2,467

$3,563

Progressive

$2,467

$3,851

GEICO

$2,482

$8,010

Foremost

$2,489

$3,440

Foremost

$2,519

$4,285

Progressive

$2,531

$7,071

Foremost

$2,545

$3,400

Progressive

$2,551

$4,514

Progressive

$2,590

$4,881

Progressive

$2,602

$6,401

Progressive

$2,626

$3,895

Allstate

$2,635

$3,871

Progressive

$2,729

$4,261

Foremost

$2,736

$3,655

Foremost

$2,787

$4,029

Foremost

$2,853

$3,811

Progressive

$2,866

$8,071

Allstate

$2,996

$5,364

Progressive

$3,001

$7,353

Foremost

$3,009

$10,050

Allstate

$3,086

$4,537

Foremost

$3,094

$10,185

Foremost

$3,136

$10,477

Progressive

$3,216

$14,513

Foremost

$3,256

$10,716

Foremost

$3,337

$6,546

Foremost

$3,370

$6,630

Allstate

$3,535

$6,350

Foremost

$3,551

$15,057

Progressive

$3,579

$16,288

Progressive

$3,593

$16,917

Allstate

$3,647

$5,359

Foremost

$3,694

$6,286

Foremost

$3,699

$15,621

Foremost

$3,767

$6,219

Progressive

$3,816

$17,222

Progressive

$3,953

$18,674

Progressive

$4,176

$19,006

Allstate

$4,586

$6,465

Allstate

$5,392

$7,614

Allstate

$5,615

$7,915

Allstate

$6,081

$11,334

Allstate

$6,602

$9,324

Allstate

$7,156

$13,379

If a teen driver buys their own individual policy, they will have to pay much more expensive rates than if they are added to a family policy. MoneyGeek found that a 16-year-old male driver will pay an average of $7,077 per year for an individual policy. However, they will pay only $3,810 per year on a family policy, an annual difference of $3,267.

You should compare the rates of various insurers to find companies offering the cheapest car insurance for teens.

Cheapest Car Insurance in Tyler for Military Drivers

The cheapest full coverage car insurance companies in Tyler, Texas, for active-duty soldiers or veterans are:

  • State Farm: $680 per year
  • Texas Farm Bureau: $836 per year

Although USAA isn’t one of the most affordable options, it specifically caters to drivers with military backgrounds. The company charges an average of $843 per year for a full coverage policy in Tyler.

The cheapest military car insurance options for minimum coverage policies are State Farm ($315 per year) and USAA ($367 per year).

Company
Annual Premium
Monthly Premium

State Farm

$293

$24

State Farm

$315

$26

Texas Farm Bureau

$359

$30

USAA

$367

$31

Allstate

$370

$31

Allstate

$379

$32

State Farm

$385

$32

USAA

$392

$33

Mercury

$393

$33

Texas Farm Bureau

$412

$34

Mercury

$429

$36

USAA

$439

$37

Allstate

$462

$39

AAA Texas

$495

$41

Mercury

$508

$42

Nationwide

$521

$43

AAA Texas

$521

$43

Texas Farm Bureau

$531

$44

GEICO

$541

$45

Nationwide

$546

$46

GEICO

$567

$47

Progressive

$576

$48

Progressive

$588

$49

Chubb

$617

$51

GEICO

$618

$51

State Farm

$618

$52

AAA Texas

$637

$53

Chubb

$678

$57

State Farm

$680

$57

Foremost

$689

$57

Progressive

$691

$58

Texas Farm Bureau

$696

$58

National General

$711

$59

Nationwide

$734

$61

National General

$735

$61

Allstate

$765

$64

Foremost

$811

$68

USAA

$825

$69

Texas Farm Bureau

$836

$70

Allstate

$836

$70

USAA

$843

$70

Mercury

$847

$71

Nationwide

$868

$72

State Farm

$882

$73

Mercury

$897

$75

National General

$905

$75

Dairyland

$923

$77

GEICO

$946

$79

Foremost

$946

$79

Dairyland

$954

$79

GEICO

$963

$80

AAA Texas

$978

$82

AAA Texas

$983

$82

USAA

$1,025

$85

Texas Farm Bureau

$1,036

$86

Nationwide

$1,060

$88

Allstate

$1,123

$94

GEICO

$1,127

$94

Dairyland

$1,130

$94

Mercury

$1,158

$96

Chubb

$1,191

$99

Chubb

$1,203

$100

Nationwide

$1,280

$107

AAA Texas

$1,284

$107

Chubb

$1,381

$115

Progressive

$1,392

$116

Progressive

$1,439

$120

National General

$1,456

$121

Foremost

$1,510

$126

National General

$1,594

$133

Dairyland

$1,607

$134

Foremost

$1,615

$135

National General

$1,785

$149

Dairyland

$1,790

$149

Progressive

$1,809

$151

Foremost

$2,023

$169

Chubb

$2,171

$181

Dairyland

$2,198

$183

How to Compare Cheap Tyler Car Insurance Quotes Online

If you opt for an online quote in Tyler, Texas, it can take 15 minutes or more and requires lots of personal information. To ease the process, you can use MoneyGeek’s car insurance calculator. It can estimate your car insurance expenses based on your age, vehicle type, coverage level and driving history.

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Best Car Insurance in Tyler: Summary

The best car insurance for you in Tyler will vary based on how much you value factors like cost and quality service. The following companies offer the best car insurance in Tyler:

  • Best overall: Texas Farm Bureau (MoneyGeek score of 76 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: State Farm (MoneyGeek score of 78 out of 100)

Each company’s MoneyGeek score might change based on how factors are weighted differently in each category. Overall, Texas Farm Bureau offers the best car insurance in Texas.

Drivers with a military background can benefit the most from USAA car insurance. It earned a MoneyGeek score of 80 out of 100.

Best Overall Car Insurance in Tyler

MoneyGeek’s research shows that the following companies offer the best full coverage car insurance policies in Tyler:

  • Texas Farm Bureau: MoneyGeek score of 76 out of 100 ($836 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($680 per year)

Texas Farm Bureau ranked second-highest for customer satisfaction and affordability. An insurer offering affordable rates and excellent customer service is the perfect fit for many different types of drivers.

Drivers who are active-duty soldiers, veterans or eligible military family members can benefit the most from USAA. It got a MoneyGeek score of 80 out of 100.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Ranked #2 for affordability and customer satisfaction

Offers rental car or travel reimbursement and roadside assistance

cons

Doesn’t offer accident forgiveness coverage

Very few add-on coverages

COMPANY HIGHLIGHTS

Although Texas Farm Bureau doesn’t offer many coverage options, it ranks well for customer satisfaction and provides one of the cheapest policies in Tyler.

The insurance provider offers common coverages like roadside assistance and rental car or travel reimbursement. You can benefit from the roadside assistance coverage 24/7, and it can help you pay for expenses like flat tire repair, locksmith services, towing and electrical or mechanical failures. This coverage ensures you get help if you are stranded on the road.

You can also add rental car or travel reimbursement coverage to your policy to cover rental car expenses when your vehicle is being repaired after damages due to a covered accident. However, this coverage is only available with collision and comprehensive insurance.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Tyler for Customer Service

If we exclude policy cost from our analysis, the following companies are the best options for customer service in Tyler:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,381 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,510 per year)

Chubb scored the highest for claims management and third for customer satisfaction.

The insurer doesn’t rank well for affordability and offers some of the most expensive policies in Tyler, which shows that you may need to pay more to get the best possible customer service.

How was this MoneyGeek score calculated?

Chubb

pros

Ranks #1 for claims management

Ranks #3 for customer satisfaction

Offers original equipment manufacturer (OEM) and diminished value coverages

cons

Lacks many common add-on coverages

Doesn’t offer roadside assistance, deductible modification, gap insurance, new car replacement or accident forgiveness coverage

COMPANY HIGHLIGHTS

Chubb offers a couple of rare coverages, like OEM and diminished value coverage, while ranking well for customer satisfaction and claims management.

OEM coverage can help drivers who want original parts to be used during car repairs rather than third-party or aftermarket parts. You can also get Chubb’s agreed value coverage, which reimburses you for your car’s agreed-upon value, not just its depreciated value, in case of a covered loss.

This insurance provider also offers antique and classic car insurance that typically covers cars that are part of a collection, at least 30 years old or a limited production model. This coverage only protects vehicles that are garaged and used for hobby purposes (like car shows, parades, etc.).

Best Cheap Car Insurance in Tyler

MoneyGeek analyzed the affordability and service quality of various companies offering minimum coverage policies and found the following to be the best options:

  • State Farm: MoneyGeek score of 78 out of 100 ($315 per year)
  • Texas Farm Bureau: MoneyGeek score of 75 out of 100 ($412 per year)

Although a minimum coverage plan in Tyler has the lowest rates for car insurance, such policies offer the least protection against liability costs and won’t cover damages to your vehicle.

How was this MoneyGeek score calculated?

State Farm

pros

An affordable minimum coverage policy at an average cost of $315 per year

Offers discounts for new vehicles, daytime running lights and anti-lock brakes

Ranks #4 for customer service

cons

Struggles with claims management

Mediocre selection of add-on coverages

COMPANY HIGHLIGHTS

You should consider a minimum coverage policy from State Farm if you want the cheapest car insurance rates in Tyler. Besides offering affordable rates, it also helps you lower your premiums by qualifying for various discounts.

The insurance provider offers several rare discounts, including those for anti-lock brakes, new vehicles and daytime running lights. State Farm also offers a valuable and uncommon discount for senior citizens and retired individuals.

State Farm provides several more common discounts. For instance, you can get a discount for completing a defensive driving course or installing an anti-theft device in your vehicle. You can also save money by insuring multiple cars and bundling your auto insurance with home, renters, condo or life insurance policies.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in Tyler

As of October 2022, the average cost of car insurance in Tyler is $1,135 per year, which is $65 less than the average cost of car insurance in Texas and $129 less than the national average. Many factors, including your location, affect the cost of car insurance.

These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.