Cheapest and Best Car Insurance Companies in Tyler, TX

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.

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.

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.

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.

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.

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.

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.

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.

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.

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).

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.

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.

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.

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.

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.

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.