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Tyler Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Tyler is $1250 for a six-month policy, which is $12 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $798, making it a popular choice for budget-conscious drivers. Rates in Tyler can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $798 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.
Texas Farm Bureau offers auto insurance rates at $828 for a six-month policy, making it one of the cheapest to insure with.
AAA Texas offers auto insurance rates at $834 for six months, making it the third cheapest auto insurance company in Tyler.
Based on our research, the cheapest car insurance company in Tyler, TX is Mercury, offering policies at just $798 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $828.
At the higher end of the spectrum, Geico County Mutual is the most expensive, with rates reaching $1080 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Tyler drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $798 | $133 |
| Texas Farm Bureau | $828 | $140 |
| AAA Texas | $834 | $139 |
| State Farm | $864 | $145 |
| USAA | $942 | $159 |
| Redpoint Insurance | $984 | $168 |
| AAA | $1212 | $202 |
| Progressive | $1259 | $212 |
| Southern County Mutual | $1302 | $217 |
| Allstate | $2712 | $457 |
| Farmers | $2478 | $421 |
| Redpoint County Mutual | $966 | $165 |
| Geico County Mutual | $1080 | $184 |
Save up to $971/yr with our auto insurance quotes
Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Tyler are given below.
USAA provides the cheapest minimum car insurance coverage in Tyler. Their Average 6 Month Premium is $300. Geico County Mutual is the most expensive at $336 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| USAA | $300 | $51 |
| Texas Farm Bureau | $312 | $54 |
| State Farm | $324 | $55 |
| Redpoint Insurance | $336 | $58 |
| Mercury | $390 | $66 |
| AAA | $432 | $74 |
| AAA Texas | $432 | $72 |
| Progressive | $444 | $75 |
| Allstate | $936 | $158 |
| Farmers | $978 | $163 |
| Redpoint County Mutual | $324 | $54 |
| Geico County Mutual | $336 | $58 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Tyler is Mercury at $133 per month and $798 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $798 | $133 |
| Texas Farm Bureau | $828 | $140 |
| AAA Texas | $834 | $139 |
| State Farm | $864 | $145 |
| USAA | $942 | $159 |
| Redpoint Insurance | $984 | $168 |
| AAA | $1212 | $202 |
| Progressive | $1259 | $212 |
| Southern County Mutual | $1302 | $217 |
| Allstate | $2712 | $457 |
| Farmers | $2478 | $421 |
| Redpoint County Mutual | $966 | $165 |
| Geico County Mutual | $1080 | $184 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Tyler, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Tyler's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the Tyler at $59 per month. At $444 for a six-month premium, Geico County Mutual offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Redpoint Insurance | $342 | $59 |
| Southern County Mutual | $444 | $74 |
| Mercury | $480 | $82 |
| AAA Texas | $546 | $91 |
| USAA | $1374 | $231 |
| State Farm | $1463 | $246 |
| Texas Farm Bureau | $1536 | $262 |
| AAA | $2520 | $420 |
| Allstate | $4614 | $777 |
| Progressive | $6432 | $1083 |
| Farmers | $8087 | $1375 |
| Redpoint County Mutual | $330 | $57 |
| Geico County Mutual | $444 | $74 |
Teen Car Insurance Rates in TX by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Tyler, Mercury is the cheapest car insurance provider. At $522 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Tyler is Farmers, offering rates of around $4104 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $522 | $87 |
| Foremost | $624 | $106 |
| AAA Texas | $666 | $111 |
| Dairyland | $774 | $131 |
| USAA | $1164 | $194 |
| Progressive | $1668 | $281 |
| AAA | $2022 | $337 |
| Allstate | $4757 | $809 |
| State Farm | $6209 | $1035 |
| Texas Farm Bureau | $1170 | $199 |
| Farmers | $4104 | $698 |
Save up to $971/yr on car insurance rates in Tyler.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Tyler, TX, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Tyler include Redpoint Insurance and Southern County Mutual, offering $342 and $414, respectively. Geico County Mutual is an expensive provider with an average six-month premium of $414.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Redpoint Insurance | $342 | $57 |
| Southern County Mutual | $414 | $71 |
| AAA Texas | $642 | $107 |
| State Farm | $690 | $116 |
| Mercury | $780 | $130 |
| USAA | $996 | $168 |
| Texas Farm Bureau | $1296 | $216 |
| AAA | $2057 | $349 |
| Progressive | $2202 | $371 |
| Allstate | $4289 | $722 |
| Farmers | $6809 | $1157 |
| Redpoint County Mutual | $330 | $55 |
| Geico County Mutual | $414 | $71 |
Here is a list of driving violations that can increase your car insurance rates in Tyler TX. For example, the car insurance in Tyler after a DUI increases to $792 for a six month policy. While the rate increases by $186 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1296 | $216 |
| One Med/PIP claim | $1308 | $222 |
| One comp claim | $1374 | $229 |
| Not-at-fault accident | $1386 | $235 |
| Two Med/PIP claims | $1392 | $232 |
| Failure to show documents | $1440 | $244 |
| Driving with expired registration | $1451 | $242 |
| Two comp claims | $1463 | $248 |
| Cell phone violation | $1476 | $246 |
| Driving without lights | $1476 | $250 |
| Texting while driving | $1476 | $246 |
| Driving too slowly | $1482 | $251 |
| Speeding 11 - 15 MPH over limit | $1482 | $247 |
| Speeding 16 - 20 MPH over limit | $1482 | $251 |
| Speeding 6 - 10 MPH over limit | $1482 | $247 |
| Speeding in school zone | $1482 | $251 |
| Child safety restraint | $1488 | $248 |
| Failure to wear a seat belt | $1488 | $253 |
| In 65 MPH zone | $1494 | $249 |
| Failure to stop at a red light | $1500 | $256 |
| Failure to yield | $1500 | $250 |
| Following too closely | $1500 | $256 |
| Illegal turn | $1500 | $250 |
| Improper passing | $1500 | $256 |
| Speeding 21 - 25 MPH over limit | $1500 | $250 |
| Passing school bus | $1506 | $257 |
| Wrong way/wrong lane | $1506 | $250 |
| Operating a vehicle without permission | $1512 | $258 |
| At-fault accident - less than $1000 | $1572 | $262 |
| Open container | $1770 | $301 |
| Driving with a suspended license | $1836 | $306 |
| Racing | $1944 | $330 |
| Reckless driving | $1944 | $324 |
| Leaving scene of an accident/hit and run | $1992 | $338 |
| At-fault accident - $1000-$2000 | $1998 | $333 |
| Refusal to submit to a chemical test | $2057 | $349 |
| DUI | $2088 | $348 |
| At-fault accident - greater than $2000 | $2172 | $370 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Tyler.
The cheapest car insurance premiums in Tyler are offered by Mercury at $516 for a six-month policy. However, it can be as expensive as $3126 with companies like Farmers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $516 | $86 |
| Foremost | $582 | $99 |
| Dairyland | $636 | $106 |
| AAA Texas | $672 | $114 |
| State Farm | $882 | $148 |
| USAA | $1374 | $231 |
| Progressive | $1404 | $236 |
| Nationwide | $1698 | $289 |
| AAA | $3114 | $519 |
| Allstate | $3546 | $597 |
| Texas Farm Bureau | $996 | $170 |
| Farmers | $3126 | $521 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Tyler are offered by Mercury at $534. However, it can be as expensive as $3402 with companies like Farmers for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Mercury | $534 | $89 |
| State Farm | $551 | $93 |
| AAA Texas | $570 | $95 |
| USAA | $846 | $143 |
| AAA | $2057 | $343 |
| Progressive | $2196 | $374 |
| Allstate | $3336 | $556 |
| Texas Farm Bureau | $516 | $88 |
| Farmers | $3402 | $579 |
Car insurance rates in Tyler have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Tyler rose by $218 in January compared to $209 of December. In other words, there has been an increase by $9 when you compare January and December.
The average cost of liability insurance in the Tyler rose to $71 in January, compared to $65 in December. This represents an increase of $6 when comparing January and December.
The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Tyler. At $1325 for a six-month policy, insuring your car at 75706 is the cheapest in the city.
| Zip Code | Average 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| 75706 | $1325 | $222 |
| 75705 | $1262 | $212 |
| 75704 | $1325 | $222 |
| 75703 | $1587 | $266 |
| 75702 | $1462 | $245 |
| 75701 | $1525 | $256 |
| 75709 | $1287 | $216 |
| 75708 | $1300 | $218 |
| 75707 | $1362 | $228 |
How much is car insurance in Tyler?
The car insurance in Tyler is $51 per month, which is lower than the national average.
What is the cheapest car insurance in Tyler?
The cheapest car insurance in Tyler is $133 per month for full coverage.
How much is car insurance in Tyler for teenagers?
Car insurance for teenagers costs $342 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Tyler?
The average cost of car insurance is $1238 for a six-month policy. It will cost around $210 per month to insure your car in Tyler.
Is car insurance expensive in Tyler?
Car insurance can be expensive in Tyler if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Tyler can be affordable.
What is the best car insurance in Tyler, TX?
The best car insurance company in Tyler TX is Mercury, offering $798 for a six-month policy.
Cut auto insurance costs in Tyler right now.