Located in East Texas, Tyler is a city with rich history, culture, and natural beauty. But before hitting the road to explore all that Tyler has to offer, it’s important to have proper auto insurance coverage. This guide will walk you through everything you need to know about getting the best car insurance in Tyler, TX.
Average Cost of Auto Insurance in Tyler
The average annual cost of minimum liability car insurance in Tyler is $612, which is slightly below the Texas statewide average of $632. For full coverage insurance, expect to pay around $1,554 per year.
Rates can vary significantly based on factors like your:
- Age
- Driving record
- Type of vehicle
- Desired coverage limits
- And more
Generally, drivers under 25 and over 65 will pay the most for auto insurance. Having recent accidents, tickets, or claims will also increase your premium.
Minimum Requirements in Texas
Texas is an “at-fault” state, meaning the driver responsible for an accident has to pay for any resulting expenses. To legally drive in Texas, you must carry at least these minimum auto insurance coverages:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability
This covers medical bills for other people if you cause an accident. But it provides no coverage for damage to your own car or injuries.
Many experts recommend choosing higher 100/300/100 liability limits or supplementing with coverage like:
- Collision – Pays to repair damage to your car from accidents
- Comprehensive – Covers damage from theft, vandalism, weather, fire
- Uninsured motorist – Protects you if hit by a driver with no insurance
Top Auto Insurance Providers in Tyler
The best insurer for you depends on your budget, coverage needs, and preferences. Here are a few top companies offering competitive rates in the Tyler area:
State Farm
- J.D. Power rating: 5/5
- Services: Local agents, large provider network, many discounts
- AM Best rating: A++ (Superior) financial strength
- Sample annual quote: $952 full coverage with 100/300/100 limits
Allstate
- J.D. Power rating: 3/5
- Services: Pay-per-mile insurance, new car replacement, mobile app
- AM Best rating: A+ (Superior)
- Sample annual quote: $1476 full coverage with 100/300/100 limits
GEICO
- J.D. Power rating: 4/5
- Services: Usage-based insurance, extensive online services
- AM Best rating: A++ (Superior)
- Sample annual quote: $912 full coverage with 100/300/100 limits
Farmers
- J.D. Power rating: 3/5
- Services: Bundling discounts, personalized local agents
- AM Best rating: A (Excellent)
- Sample annual quote: $1321 full coverage with 100/300/100 limits
Key Factors Affecting Insurance Costs in Tyler
Where you live in Tyler can impact your auto premiums. Rates tend to be higher in urban areas of the city versus rural suburbs. Expect rates to rise in ZIP codes like 75701, 75702, and 75703.
Your age, driving history, vehicle type, credit score, and desired coverage levels will also affect your insurance costs. High-risk drivers pay more for car insurance in Tyler.
Best Tips for Saving on Tyler Auto Insurance
Here are some top ways to save on car insurance costs in Tyler:
- Shop and compare – Rates can vary over $100 between insurers for the same coverage.
- Increase deductibles – Raising deductibles from $500 to $1000 could save up to 15%.
- Ask about discounts – Look for savings like multi-policy, defensive driver, good student, etc.
- Improve your credit – Drivers with poor credit pay an average of 67% more.
- Consider usage-based programs – Drive safely to potentially lower premiums.
- Maintain good driving record – Avoid accidents, traffic violations, and claims.
- Drop unnecessary coverage – If car is paid off, consider dropping collision/comprehensive.
Top-Rated Insurance Agents in Tyler
Work with a local independent insurance agent or broker to shop multiple companies and find the best auto insurance fit for you. Here are a few top-rated agents in the Tyler area:
- Sarah Greenwood – State Farm
- Brad Shaw – Allstate
- Steve Hoover – Nationwide
- Chris Carden – Farmers Insurance
- Mark Wommack – American National
Frequently Asked Questions
Who has the cheapest car insurance in Tyler?
For minimum liability coverage, the cheapest rates in Tyler tend to come from Progressive, GEICO, and USAA. But for full coverage, State Farm and Allstate offer very competitive pricing. Overall, GEICO provides some of the most affordable auto insurance quotes in Tyler.
What ZIP codes have the highest auto insurance in Tyler?
Auto insurance rates are generally higher in urban ZIP codes of Tyler including 75701, 75702, 75703, 75704, and 75799. More rural suburbs like Flint, Bullard, Whitehouse, Lindale, Hideaway, and New Chapel Hill tend to have lower car insurance costs on average.
Is car insurance mandatory in Tyler?
Yes, Texas state law requires all drivers to carry minimum liability insurance coverage. In Tyler, you must have at least 30/60/25 liability limits which covers injury and damage you cause others in an accident.
How much is full coverage insurance in Tyler?
The average cost of a full coverage auto insurance policy in Tyler is around $1,554 per year or $130 per month. A full coverage policy includes comprehensive and collision, plus higher 100/300/100 minimum liability limits. Exact rates depend on your specific risk profile.
How can I save on car insurance in Tyler?
Top ways to save on Tyler auto insurance include bundling multiple policies with one insurer, raising your deductible, improving your credit score, asking for all available discounts, maintaining a clean driving record, and comparing quotes annually to find lower rates as they become available.
The Bottom Line on Tyler, TX Auto Insurance
As an East Texas city with access to the outdoors and a bustling arts scene, Tyler is a great place to call home. With proper auto insurance coverage from a highly rated provider, you can hit the road worry-free as you explore all that the Tyler area has to offer.
Be sure to shop multiple insurers and compare quotes at least annually to find competitive pricing. Consider usage-based programs, higher deductibles, and all available discounts to maximize savings. Work with a local independent insurance agent to get guidance and find the right policy for your needs and budget.
Car Insurance | Tyler, TX — Kit Parkhill Insurance Agency
FAQ
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