bestauto insuranceTylerCompare the Cheapest Car Insurance Quotes in Tyler, TX
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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/10/2023
Edited By |
Ashley Jacobs
Written By |
Mark Fitzpatrick
Many factors go into how much you pay for your car insurance. Among those are the company you buy your policy from, the coverage you choose and your unique driver profile. Farmers offers the most affordable, widely available full coverage and state minimum car insurance in Tyler. If you have a speeding ticket on your driving record, the cheapest coverage in the city is from State Farm. USAA is another affordable insurer, but only available to members of the military and their families. If you want a balance of affordability and customer satisfaction from your insurer, GEICO is the best overall car insurance company in Tyler.
bestauto insuranceTylerThe Cheapest and Best Car Insurance in Tyler
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - Farmers
Best Overall - GEICO
Methodology
MoneyGeek reviewed different car insurance companies in Tyler, Texas, based on information gathered from the National Association of Insurance Commissioners (NAIC), J.D. Power and AM Best.
The Cheapest Car Insurance Companies in Tyler
If you’re looking for cheap car insurance in Tyler, the least expensive annual premiums for full coverage on average are offered by:
- Farmers: $746 per year
- State Farm: $827 per year
USAA is the second cheapest insurance company in the city at $810 per year on average. However, car insurance through USAA is exclusive to veterans and current members of the military.
Comparing rates between insurers can lead to substantial savings. You’ll pay an average of $2,188 annually for full coverage car insurance at The General. The most expensive rate in Tyler, it’s 193% more than you’d pay for the same coverage from Farmers.
These rates are for full coverage car insurance policies. Full coverage typically includes comprehensive and collision insurance, which provides more protection on the road.
Cheapest Car Insurance in Tyler
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$746
- 2.$810
- 3.$827
- 4.$851
- 5.$1,015
To complete our analysis, MoneyGeek gathered full coverage car insurance quotes for our sample driver, being a 40-year-old male in Tyler. Our methodology explains our approach in detail.
Full coverage car insurance is more expensive than state minimum or liability only insurance because it includes collision and comprehensive coverage. The additional coverage protects you from having to pay to repair damage to your car.
Drivers with older cars may not find full coverage insurance the most cost-effective option. In fact, you might end up paying more for premiums than the replacement value of your vehicle. If this is the case for you, state minimum or liability-only coverage may be a better choice.
Compare Car Insurance Rates in Tyler
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Tyler for Minimum Coverage
If you want the cheapest car insurance possible, a policy with minimum coverage is your best option. In Tyler, the most affordable policies are from:
- Farmers: $380 per year
- State Farm: $432 per year
While USAA offers the lowest rate at $378 per year on average, remember that its policies are only available to members of the military.
The most expensive minimum insurance rate in Tyler is from The General. At an average of $1,078 annually, it’s $698 more than Farmers.
Minimum coverage is always cheaper than full coverage, but doesn’t include collision or comprehensive insurance. This puts you at risk of not being fully covered in the event of an accident or other incident in which your car is damaged.
The table below shows how rates can vary based on the different liability limits you choose.
Cheapest Minimum Liability Car Insurance in Tyler
State Minimum
- CompanyState Minimumper year
- 1.$378
- 2.$380
- 3.$432
- 4.$483
- 5.$521
The minimum car insurance requirements in Texas are 30/60/25. While it’s the cheapest insurance available, it offers you the least protection. You may have to pay a great deal more after an accident than you would have spent on premiums.
For example, if you cause an accident and the other driver racks up $60,000 in medical bills, your insurer will pay up to $30,000 of that amount. The balance of $30,000 is your responsibility to pay.
Texas Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in Tyler if You Have Driving Violations
Having infractions on your driving record can result in increased car insurance premiums. If you have violations such as speeding tickets, DUIs or at-fault accidents, the car insurance in Tyler is:
- Cheapest after a ticket: State Farm, $827 per year
- Cheapest after an at-fault accident: State Farm, $1,001 per year
- Cheapest after a DUI: Farmers, $1,094 per year
Improving your driving record over time is the best way to get cheaper car insurance rates in the long run. However, it’s still possible to get a more affordable premium after a ticket or an accident. Gathering quotes from several insurers can help you find which insurance company in Tyler offers the best cheap insurance for drivers with bad records.
Cheapest Car Insurance in Tyler With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$827
- 2.$909
- 3.$978
- 4.$995
- 5.$1,098
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.
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 auto insurance quotes from several companies to find the cheapest rates.
Compare Car Insurance Rates in Tyler
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Tyler
MoneyGeek researched the best car insurance companies in Tyler, TX, and evaluated companies regarding financial stability, customer satisfaction, affordability and claims ratings. The top auto insurance providers include:
- State Farm: MoneyGeek score of 94 out of 100
- Farmers: MoneyGeek score of 93 out of 100
MoneyGeek excluded USAA from this list since they cater to military members and their families. But, USAA earned a MoneyGeek score of 94 out of 100, making them the second-best full coverage car insurance in Tyler for military families.
1
State Farm
Score:94
In Tyler, State Farm scored high in financial stability, customer satisfaction and affordability. With its average yearly rate of $827, it includes roadside assistance and rental car/travel reimbursement in its standard policy.
More About State Farm
State Farm excels in various categories, making them one of the best auto insurance companies in Tyler. Customers who use this insurance provider can add unique coverage to their policy, such as rideshare insurance. This is quite rare among insurance providers.
Rideshare insurance covers the driver while working for a ride-sharing service. This add-on extends all coverages from your auto policy when the app is on and you’re waiting for a ride request. While transporting a passenger, all coverages except liability insurance remain.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:93
Given that Farmers is one of the best car insurance providers in Tyler, it also scored high in terms of customer satisfaction, claims ratings and affordability. With its average rate of $746 per year, roadside assistance and rental car/travel reimbursement are available as add-ons.
More About Farmers
Ranking second among the top car insurance companies in Tyler, Farmers lets its customers add unique features to their policies. These include custom parts coverage, new car replacement and original equipment manufacturer (OEM) coverage.
Rideshare insurance is another add-on that Farmers offers to its customers. This ensures that all customers are insured while working for a ride-sharing service. Plus, its OEM coverage covers the cost of using factory-original parts in covered repairs in cars up to 10 years old.
Read MoneyGeek's Farmers auto Insurance Review3
GEICO
Score:88
4
AAA
Score:78
5
Allstate
Score:73
6
Nationwide
Score:69
7
Mercury
Score:52
8
MetLife
Score:44
9
Esurance
Score:39
10
The General
Score:5.4
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 CodeState 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.
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