The best car insurance in Tyler, TX

By

Lena Borrelli

Lena Borrelli

Insurance Expert

Lena Borrelli is a freelance contributor at Policygenius. With a diverse professional background, Lena spent time in finance, web marketing, and hospitality before settling into full-time life as a freelance writer.

Published October 29, 2021

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The cost of car insurance in Tyler is below average compared to the rest of Texas. While Tyler car insurance averages $1,821 per year, the average cost of car insurance in Texas is $1,840 per year.

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It is still important to shop around so you can find the best car insurance prices for your family. Policygenius can help you easily compare options from the top car insurance companies in Tyler.

Key Takeaways

  • The cheapest car insurance company in Tyler is Texas Farm Bureau with an average cost of $1,044 per year

  • The company with the lowest average insurance rate for Tyler drivers with bad credit is Redpoint County Mutual

  • Drivers in Texas are required to carry a minimum $30,000 of bodily injury liability per person, $60,000 of bodily injury liability per accident, and $25,000 of property damage liability per accident

Cheapest car insurance companies in Tyler, TX

Many car insurance companies offer car insurance in Tyler, but not all may offer the cheapest rates for you. On average, Texas Farm Bureau has the cheapest car insurance in Tyler. But there are several factors that determine the cost of your car insurance premium, including your driving history, credit score, and annual mileage. Also important is the type and amount of coverage that you choose for your policy.

Company

Average cost

JD Power Rating

Texas Farm Bureau

$1,044

--

State Farm

$1,193

881

Germania Insurance

$1,321

--

GEICO

$1,396

871

USAA

$1,533

890

Cheapest car insurance rates by ZIP code in Tyler, TX

One factor that can determine the cost of your car insurance is where you live. Certain neighborhoods may be more susceptible to crime, such as theft or vandalism. When there is a high level of crime in an area, insurers will charge more to cover the increased risk. Another factor is where your neighborhood is located and the amount of traffic that passes through the area. Where your home is located also matters, as properties in lower-lying areas can be susceptible to additional risks, like flooding.

ZIP code

Average cost

75701

$1,814

75702

$1,826

75703

$1,809

75704

$1,832

75705

$1,845

75706

$1,841

75707

$1,794

75708

$1,818

Choosing the right car insurance company in Tyler, TX

The average cost of car insurance in Tyler is $1,821 per year, but that does not mean that is what you will pay for your auto insurance policy. The cost of car insurance is based on a series of factors, including the kind of vehicle you have and your driving record.

When choosing a car insurance company, be sure to consider what types of coverage are available. Texas is prone to severe storms and hurricanes, so flood insurance is a common consideration for many policyholders. Optional coverage like roadside assistance may also be a popular addition. To find the right car insurance company in Tyler for you, Policygenius will help you compare coverage options and prices from multiple providers.

Car insurance rates for drivers with driving violations in Tyler, TX

Your driving record is one factor that plays an enormous role in the cost of your car insurance. There are certain incidents that may raise the cost more than others. For example, a driver with a DUI could pay more than $4,700 for a Texas Farm Bureau policy, and it costs $3,265 for the average policy from Germania Insurance. Before purchasing a new car insurance policy, inquire about any increases in cost that may affect your policy.

Violation

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$1,809

$1,449

$1,869

$2,231

$2,469

DUI

$4,740

$1,981

$3,265

$2,464

$2,445

Driving with a suspended license

$1,854

$1,715

$2,566

$2,464

$2,266

Driving with an open container

$4,740

$1,875

$1,421

$2,464

$1,843

Driving with expired registration

$1,144

$1,210

$1,421

$1,667

$1,843

Driving without Lights

$1,144

$1,210

$1,421

$1,667

$1,843

Failure to show documents

$1,144

$1,210

$1,421

$1,667

$1,843

Failure to stop at a red light

$1,144

$1,210

$1,421

$1,667

$1,843

Cheapest car insurance for drivers with bad credit in Tyler, TX

When you have poor credit, it can raise a red flag from auto insurance providers for a few reasons. Drivers with bad credit are seen as less likely to pay their premiums on time, increasing the amount of liability for the insurer. When a driver has good credit, they are typically expected to drive more responsibly. This reduces the chances of a claim, so insurance companies may pass along those savings with lower premiums.

Company

Rates for drivers with bad credit

Redpoint County Mutual

$2,316

State Farm

$2,502

Auto Club Group

$2,580

Texas Farm Bureau

$2,603

Nationwide

$2,610

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Buying car insurance in Tyler, TX

There are many states that require a minimum amount of car insurance for their drivers, and Texas is no different. The law requires that if you are found responsible for an accident, you are then responsible for paying the damages. Under the Modified Comparative Negligence law in Texas, a driver may not seek compensation for an accident if they are more than 51% responsible.

The minimum amount of car insurance that drivers in Tyler must carry includes:

  • $30,000 in bodily injury liability per person

  • $60,000 in bodily injury liability per accident

  • $25,000 in property damage liability per accident

When buying car insurance, drivers may want to purchase more than just the required car insurance to reduce their financial liability should they be involved in a major accident. Texas is a state that struggles with high levels of drunk driving and other reckless behaviors. According to a new report from the Texas Department of Transportation, someone dies every nine hours from drunk driving in Texas. Therefore, driving in Tyler can be more dangerous than in other parts of the country, especially given the high amount of transient traffic passing through the area.

How to get cheap car insurance in Tyler, TX

There are several ways to lower the cost of your car insurance

  • Discounts: Most car insurance companies offer special discounts for things like vehicle safety features, maintaining a clean driving record, and bundling your home and auto insurance

  • Payment: Many providers will offer special savings when you sign up for paperless statements, renew your policy early, or pay for your policy in full. 

  • Higher deductible: You can lower the cost of your monthly premiums when you increase your deductible, although this means that you must pay more out of pocket if you experience a loss.

  • Safe driving: You can save if you pass an approved course or remain accident-free.

Always be sure to shop and compare quotes from multiple providers to find the best car insurance at the cheapest price.

Frequently asked questions

What is the average cost of car insurance in Tyler?

The average cost of car insurance in Tyler is $1,821 per year, offering slightly cheaper rates than the average cost of car insurance in Texas.

What is the average cost of car insurance in Texas?

The average cost of Texas car insurance is $1,840 per year, making it one of the more expensive states in the U.S. for auto insurance.

Which car insurance company is the cheapest in Tyler?

The cheapest car insurance company in Tyler is Texas Farm Bureau with an average cost of $1,044 per year.

How do I lower the cost of car insurance in Tyler?

To help cover the cost of car insurance in Tyler, consider any car insurance discounts available, such as low mileage or telematics-based savings.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.