Compare the Cheapest Car Insurance Quotes in Tyler

In Tyler, the average price of auto insurance is $1,188 per year, and this rate is 9.7% lower than the state average. Farmers is the least expensive provider in the city, with an average annual price of $746.

MoneyGeek assessed the most affordable companies by coverage amount and driving history to find you a suitable rate. To help you balance low costs with high quality, we recommend the top car insurance carriers in Tyler.

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The Cheapest and Best Car Insurance in Tyler

The Cheapest Car Insurance Companies in Tyler

For a full coverage policy, the cheapest companies in Tyler are:

  • Farmers: $746 per year
  • USAA: $810 per year (only available for military personnel and their families)

Farmers, the least expensive provider, offers rates 193.3% lower than the costliest carrier, The General. To find the best car insurance in Tyler, drivers should shop around and compare quotes.

MoneyGeek used rates for a 40-year-old male driver with a full coverage policy, including liability insurance to cover the cost of damages to others and comprehensive and collision insurance to cover damages to your own vehicle.

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Average Cost of Car Insurance in Tyler

Tyler$1,188
Texas$1,316
U.S.$1,424

In Tyler, the average yearly cost of car insurance is $1,188, which is 9.7% less than the state average and 16.6% cheaper than the national average. Drivers should ideally shop for car insurance by comparing quotes from multiple companies to find the best coverage and rates.

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The Best Car Insurance Companies in Tyler

MoneyGeek ranked the best car insurance companies in Tyler based on a unique scoring system that considered affordability, J.D. Power’s customer satisfaction ratings and financial stability.

As per our rating, the top providers in the city are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

Note: USAA earned the top spot in our ranking, but it only serves veterans, current military members and their families.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Tyler

MoneyGeek encourages drivers to get a customized quote because factors such as location, age, coverage level, marital status, driving record and others can influence car insurance rates. It’s advisable to get quotes regularly to check if you can get rebates as your situation changes. Compare car insurance quotes from several companies to find the cheapest rates.

Shopping around for car insurance in Tyler could save you $442, which is enough to buy:


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147Cups of Coffee
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34Months of Your Favorite Streaming Service

Cheapest Car Insurance in Tyler by Coverage Amount

Your auto insurance cost largely depends on the coverage amount you choose. In Tyler, a policy that only meets state minimums costs $604 per year on average, compared to $1,188 for 100/300/100 full coverage. The difference of $584 may be worth it, as full coverage offers more comprehensive protection even if you’re at fault.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

In Tyler, Farmers’ rate for 50/100/50 liability-only coverage is $403 per year on average, compared to $705 for 50/100/50 full coverage. The 50/100/50 limits indicate that $50,000 is available for injuries per person, with $100,000 for injuries per accident and $50,000 for property damage.

In a minimum coverage policy, your insurer will meet these limits for the other party. To get these benefits for yourself in an at-fault accident, you should buy full coverage. Shop around and compare prices to find the cheapest car insurance in Tyler.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Tyler if You Have Driving Violations

You should avoid driving offenses as much as possible because they can increase car insurance prices. In Tyler, a Farmers policyholder with a speeding ticket needs to pay $232 more per year for their coverage than a clean driver. Those with a DUI pay roughly $348 more per year, while a person with an at-fault accident on their record needs to shell out $311 more than a driver with no violations.

Average Cost of Car Insurance by Postal Code

In Tyler, Texas, and other cities, the ZIP code plays a role in deciding car insurance rates. If a neighborhood has high numbers of uninsured motorists, car thefts and accidents, insurers consider it riskier and charge drivers higher prices. In Tyler, drivers from ZIP code 75701 pay $34 less on average than drivers from ZIP code 75703.

  • Zip Code
    State Minimumper year
  • 75701
    $1,171
  • 75703
    $1,205

Factors That Impact Insurance Costs in Tyler

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Tyler. How Tyler ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities167th/300
handcuffs2 icon
Most Car Thefts30th/300
uninsured icon
Most Uninsured Motorists by State16th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall55th/300
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Most Rainy Days183rd/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Tyler are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.