Tyler's average full coverage car insurance costs $133 per month. Rates range from $128 to $428, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Tyler, TX, Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Tyler: Key Takeaways
Texas Farm Bureau, State Farm and Progressive are the most affordable car insurance providers in the Lone Star State.
Texas Farm Bureau provides the cheapest car insurance, with rates at $34 per month for minimum coverage and $70 for full coverage.
On average, car insurance costs $65 per month for minimum coverage and $133 for full coverage.
Car Insurance Quotes in Tyler, TX
| Young Drivers | $86 | $174 |
| Teens | No Data | $428 |
| Seniors | $66 | $128 |
| Drivers With a Speeding Ticket | $77 | $159 |
| Drivers With a DUI | $101 | $196 |
| Drivers With An Accident | $110 | $217 |
| Bad Credit | $114 | $240 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Tyler vs. State Average
Texas
State Average Full Coverage Rate
$1,695
Tyler, TX
City Average Full Coverage Rate
$1,595More:$100 saved
This is 6% less expensive.
What Is the Average Car Insurance Rate in Tyler?
In Tyler, the average annual cost for full coverage car insurance is $1,595, while state minimum coverage costs $777 per year. These rates are lower than the Texas averages of $1,695 and $810, respectively. This means Tyler offers more affordable options for residents.
| State Average | $810 | $1,695 |
| Tyler Average | $777 | $1,595 |
Cheapest Car Insurance Companies in Tyler
While premiums may be up across Texas, you can still find cheap car insurance in Tyler. Texas Farm Bureau offers the lowest rate for minimum coverage at $34 per month and full coverage at $70.
WHY CAR INSURANCE IN TYLER IS CHEAPER
Car insurance is cheaper Tyler due to factors like traffic volume and accident rates. Tyler ranks lower than average among Texas cities for insurance costs. Statewide, costs are driven lower by a smaller population density.
Cheap Car Insurance in Tyler
Texas Farm Bureau is often the cheapest car insurance provider, but rates vary by driver. The best way to find affordable car insurance is to compare quotes from different companies. Below is a table with the lowest rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $34 |
| Texas Farm Bureau | Full Coverage | $70 |
| State Farm | Teens | $199 |
| Texas Farm Bureau | Young Adults | $65 |
| Texas Farm Bureau | Seniors | $44 |
| Texas Farm Bureau | Bad Credit | $113 |
| Progressive | Drivers With a DUI | $86 |
| State Farm | Drivers With An Accident | $73 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $52 |
Car Insurance Rates in Tyler by Company
To get the cheapest car insurance in Tyler, compare rates from different companies. Below, we detail the cheapest minimum and full coverage plans in Tyler.
Cheapest Car Insurance Companies for Minimum Coverage in Tyler
Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $34 per month, followed by State Farm and Mercury at $35 monthly. See the breakdown of the cheapest options in the table below.
| Texas Farm Bureau | $34 | $30 |
| Mercury | $35 | $29 |
| State Farm | $35 | $29 |
| Progressive | $51 | $14 |
| National General | $56 | $8 |
| AAA Texas | $57 | $7 |
| GEICO | $59 | $6 |
| Allstate | $62 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Tyler
Texas Farm Bureau offers the cheapest full coverage car insurance in Tyler at $70 per month. Below is the full list of providers to compare options.
| AAA Texas | $113 | $20 |
| Allstate | $124 | $9 |
| GEICO | $108 | $25 |
| Mercury | $120 | $13 |
| National General | $118 | $15 |
| Progressive | $97 | $36 |
| State Farm | $82 | $51 |
| Texas Farm Bureau | $70 | $63 |
Car Insurance Companies in Tyler
Texas Farm Bureau offers the cheapest rate at $624 annually. Mercury is the best cheap provider with a MoneyGeek score of 87 out of 100. Check the table below for more options.
| Chubb | 87 | $1,381 |
| Mercury | 76 | $932 |
| State Farm | 75 | $701 |
| Texas Farm Bureau | 73 | $624 |
| Foremost | 72 | $1,631 |
| AAA Texas | 72 | $1,024 |
| Progressive | 64 | $890 |
| GEICO | 63 | $997 |
| Nationwide | 61 | $1,465 |
| Allstate | 60 | $1,120 |
| National General | 50 | $1,048 |
| Dairyland | No Data | $2,420 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Tyler by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,595 per year for 40-year-olds and $1,535 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,340 | $-905 |
| 17 | $3,215 | $-780 |
| 18 | $2,809 | $-374 |
| 19 | $2,388 | $47 |
| 20 | $2,502 | $-67 |
| 21 | $1,846 | $589 |
| 22 | $1,857 | $578 |
| 23 | $1,925 | $510 |
| 24 | $1,805 | $630 |
| 25 | $2,089 | $-248 |
| 40 | $1,595 | $246 |
| 65 | $1,535 | $306 |
Cheapest Car Insurance for Teens in Tyler
Nationwide offers the cheapest overall car insurance for teens in Tyler, with full coverage costing $135 per month. This provides a $109 saving compared to the state average. The table below lists other affordable providers for this age group.
| Nationwide | $135 | $109 | $338 |
| State Farm | $149 | $96 | $199 |
| GEICO | $183 | $62 | $223 |
| Foremost | $276 | $-31 | $592 |
| Progressive | $289 | $-44 | $777 |
| Allstate | $437 | $-192 | $440 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Tyler
State Farm offers the best minimum coverage rate for young drivers in Tyler at $43 per month. For full coverage, Texas Farm Bureau provides the most affordable rate at $86 monthly. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| State Farm | Minimum Coverage | $43 |
| Texas Farm Bureau | Full Coverage | $86 |
| Texas Farm Bureau | Bad Credit | $142 |
| Progressive | Drivers With a DUI | $105 |
| State Farm | Drivers With An Accident | $91 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $65 |
Cheapest Car Insurance Companies for Young Drivers in Tyler
State Farm offers the most affordable auto insurance for young drivers in Tyler, with rates starting at $75 per month. State Farm and Progressive also have low premiums. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $65 | $65 |
| State Farm | $75 | $55 |
| Progressive | $94 | $36 |
| GEICO | $97 | $33 |
| Mercury | $107 | $23 |
| AAA Texas | $109 | $21 |
| National General | $112 | $18 |
| Allstate | $121 | $8 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Tyler
Texas Farm Bureau, Progressive and State Farm are the cheapest car insurance providers for seniors, but rates vary based on factors like driving history. The table below shows the cheapest providers for different driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $30 |
| Texas Farm Bureau | Full Coverage | $58 |
| Texas Farm Bureau | Bad Credit | $95 |
| Progressive | Drivers With a DUI | $89 |
| State Farm | Drivers With An Accident | $68 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $44 |
Cheapest Car Insurance for Seniors in Tyler
Texas Farm Bureau offers the cheapest monthly premium for seniors at $44, for both state minimum and full coverage. State Farm follows with a rate of $53 per month. Below, you'll find a table listing the top car insurance providers for seniors in Tyler.
| Texas Farm Bureau | $44 | $53 |
| State Farm | $53 | $43 |
| Progressive | $75 | $22 |
| Mercury | $82 | $15 |
| GEICO | $83 | $13 |
| AAA Texas | $85 | $11 |
| Allstate | $90 | $7 |
| National General | $96 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Tyler
When looking at high-risk driver profiles in Tyler, car insurance rates for both minimum and full coverage are higher than the state average. Those with bad credit and DUIs pay the most for insurance. In contrast, accidents and speeding tickets tend to have a smaller effect on the rates.
| Tyler Average | $1,150 | $2,292 |
| State Average | $1,190 | $2,417 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or speeding ticket in Tyler, are considered by insurers for around three to five years. For more serious offenses, such as a DUI, insurers may take account for up to ten years, and you might need to file an SR-22 car insurance to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Tyler
Mercury offers the cheapest minimum coverage for drivers with a DUI at $601 per year in Tyler. Progressive provides the most affordable full coverage policy at $1,398 annually. Check out the table below for more low-cost coverage options.
| Progressive | $55 | $116 |
| National General | $71 | $141 |
| Texas Farm Bureau | $82 | $144 |
| State Farm | $69 | $148 |
| Mercury | $50 | $162 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Tyler
State Farm, Texas Farm Bureau and Mercury offer the cheapest auto insurance after an at-fault accident in Tyler. The table below shows various providers offering affordable coverage.
| State Farm | $45 | $101 |
| Texas Farm Bureau | $58 | $116 |
| GEICO | $80 | $151 |
| Progressive | $78 | $163 |
| Mercury | $75 | $241 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Tyler
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket, offering a monthly rate of $34 for minimum coverage and $70 for full coverage in Tyler. Check the table below to see how other providers charge drivers with a speeding ticket.
| Texas Farm Bureau | $34 | $70 |
| State Farm | $35 | $82 |
| Allstate | $62 | $124 |
| Progressive | $60 | $126 |
| Mercury | $52 | $172 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Tyler
Mercury offers the most affordable rates for drivers with bad credit in Tyler, with minimum coverage at $50 monthly. For full coverage, Texas Farm Bureau is the cheapest at $154 monthly. See the table below for more options.
| Texas Farm Bureau | $72 | $154 |
| Progressive | $78 | $170 |
| AAA Texas | $89 | $175 |
| Mercury | $50 | $180 |
| National General | $86 | $208 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Tyler, TX
Each city in Texas follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
If you're in a car accident in Texas, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Tyler: Bottom Line
Texas Farm Bureau offers the cheapest car insurance for minimum and full coverage, with rates starting at just $34. Drivers of all types — youths, seniors or those with poor credit — will find affordable options. Ensure your policy meets Texas requirements, including bodily injury and property damage liability. Compare providers to secure budget-friendly coverage that complies with state laws.
Tyler Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Tyler.
What is the cheapest car insurance company in Tyler, TX?
The cheapest car insurance company in Tyler is Texas Farm Bureau, offering minimum coverage at $34 monthly.
What is the best car insurance company in Tyler, TX?
The best car insurance provider in Tyler is Chubb, with a MoneyGeek score of 87 out of 100. For minimum coverage insurance, the annual premium is $1,381.
How much does car insurance cost on average in Tyler, TX?
The average cost for state minimum car insurance in Tyler ranges from $86 to $114 per month.
Best Cheap Car Insurance in Tyler: Our Methodology
MoneyGeek conducted an analysis of Tyler auto insurance prices using data from the Texas Department of Insurance and Financial Services and Quadrant Information Services.
Tyler Driver Profile
To assess the best and most affordable auto insurance options for Tyler residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Tyler
In assessing the car insurance quotes for Tyler, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:
The minimum coverage requirements in Texas are:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Tyler
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned 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 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.