Cheapest Car Insurance Quotes In Tyler, TX For 2024

State Farm is notably the most affordable choice in Tyler, boasting an average monthly rate of $24.

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Updated: 29 March 2024
Written by
Bob Phillips
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In the search for budget-friendly car insurance in Tyler, TX, one standout option for competitive rates is State Farm. On average, residents can expect to pay around $24 per month, significantly lower than the state’s average of $125.

For those prioritizing affordable liability-only coverage, State Farm comes out on top. Similarly, for drivers seeking comprehensive protection, State Farm offers the best rates for full coverage policies, averaging at $56 per month. Even for young drivers, State Farm provides the most economical rates, averaging at $102 per month.

Cheapest Car Insurance Companies In Tyler, TX

Cheapest Car Insurance, Tyler, TX

Our Methodology

Utilizing a comprehensive approach that considers customer service ratings, product offerings, pricing, and extensive reviews from online sources and user feedback, I've developed a detailed understanding of the car insurance provider landscape in Tyler, TX. This perspective is informed by more than 15 years of direct involvement in the industry as a licensed insurance agent. Over this time, I've had numerous interactions with representatives from different companies and have gained valuable insights from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Tyler, TX?

State Farm provides the most affordable car insurance in Tyler, Texas. You can get coverage for your car for just $120 per month. According to the table provided below, rates are significantly lower compared to the average rates in Texas and the entire United States.

Area Average Monthly Rate
National $152
Texas $125
Tyler, TX $120

Keep in mind that the national average cost considers states with both high and low insurance rates, such as New York, New Jersey, California, Mississippi, Kentucky, and Wyoming. Insurance rates vary depending on several factors including vehicle type, coverage amount, zip code, driving history, and more. Thus, rates can differ significantly based on location and individual circumstances.

Cheapest Car Insurance Rates In Tyler For Minimum Coverage

In Tyler, State Farm stands out as the most affordable car insurance provider for minimum coverage, boasting an average monthly cost of $24.

Provider Average Monthly Cost Average Annual Cost
State Farm $24 $286
Texas Farm Bureau $42 $500
Mercury $43 $514
Progressive $48 $574
Nationwide $49 $581

A minimum car insurance policy should typically include the following coverage at the least:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $25,000 for property damage per accident

Maintaining minimum car insurance offers basic protection while driving, but it lacks collision or comprehensive coverage. This means your vehicle won’t be protected from damages in accidents, theft, or natural disasters.

Moreover, driving without insurance is against the law in Texas. If you’re unable to provide proof of insurance during a traffic stop, you could face penalties including fines, license suspension, or more severe consequences.

Cheapest Car Insurance Rates In Tyler For Full Coverage

In Tyler, State Farm offers the most affordable rates for full coverage car insurance, with an average monthly quote of $56.

Provider Average Monthly Cost Average Annual Cost
State Farm $56 $670
GEICO $95 $1,141
Mercury $80 $958
Allstate $75 $896
Texas Farm Bureau $57 $682

Full coverage car insurance extends beyond basic legal requirements and usually combines comprehensive and collision coverage.

Comprehensive coverage protects against non-collision events like theft, vandalism, or natural disasters, while collision coverage covers vehicle damage resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Tyler For Seniors

In Tyler, Texas Farm Bureau offers the most budget-friendly car insurance rates for seniors, with an average monthly quote of $47.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $47 $562
GEICO $92 $1,095
Progressive $93 $1,107
Mercury $101 $1,213
Chubb $104 $1,249

In Texas, seniors can often access favorable car insurance rates, influenced by various advantageous factors. While age is traditionally considered in determining insurance rates, older age isn’t always linked with diminished driving ability, contrary to stereotypes.

Cheapest Car Insurance Rates In Tyler For Teenagers

Teenage drivers in Tyler can secure the most affordable quotes from Nationwide, with average monthly premiums standing at $196.

Provider Average Monthly Cost Average Annual Cost
State Farm $201 $2,410
GEICO $319 $3,832
Nationwide $196 $2,350
Foremost $354 $4,112
Progressive $380 $4,591

Teenage drivers typically encounter the highest car insurance premiums, largely due to their lack of experience on the road. Insurance companies categorize these young drivers as high-risk because statistically, they are more likely to be involved in accidents and traffic violations.

Cheapest Car Insurance Rates In Tyler For Young Adults

State Farm provides the most affordable quotes for young adults in Tyler, with rates averaging around $102 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $102 $1,222
GEICO $242 $2,917
Allstate $257 $3,020
Progressive $264 $3,119
Foremost $278 $3,214

In Texas, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing stems from the development of driving habits and a corresponding decrease in risky behaviors as drivers mature.

Statistically, young adults are less prone to file claims with insurance companies, reflecting a decline in accident involvement. As a result, insurers reduce premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Tyler For Good Drivers

State Farm offers the most budget-friendly car insurance quotes for good drivers in Tyler, averaging around $24 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $24 $286
Texas Farm Bureau $42 $500
Mercury $43 $514
Progressive $48 $574
Nationwide $49 $581

Drivers with clean driving records in Tyler usually receive lower car insurance rates because they are viewed as lower risk by insurance companies. Driving records serve as an indicator of how safely a person drives. Fewer incidents such as accidents or traffic violations suggest that the driver is careful and less likely to file a claim.

Insurance companies determine rates based on the likelihood of a driver making a claim. A pristine driving record can result in substantial savings on premiums. It boils down to risk assessment: the cleaner the record, the lower the perceived risk, and thus, the lower the insurance cost.

Cheapest Car Insurance Rates In Tyler For Drivers With Prior Incidents

In Tyler, drivers with a history of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions prompt insurance companies to categorize them as high-risk individuals, anticipating a higher likelihood of future insurance claims.

As a result, insurance providers raise their rates for these drivers to offset the risk of facing higher claim payouts.

Cheapest Car Insurance Rates In Tyler For Drivers With A Speeding Ticket

Texas Farm Bureau stands out for its affordability compared to other insurance companies, offering average rates of $55 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $55 $673
Travelers $241 $2,842
Geico $100 $1,198
Allstate $73 $874
Progressive $147 $1,762

Cheapest Car Insurance Rates In Tyler For Drivers With An At-Fault Accident

For drivers with an at-fault incident, Texas Farm Bureau provides the most economical car insurance quotes, averaging around $90 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $90 $1,078
Dairyland $259 $3,218
Foremost $265 $3,242
Progressive $190 $2,278
Allstate $110 $1,318

Cheapest Car Insurance Rates In Tyler For Drivers After A DUI

For drivers with a DUI record, Texas Farm Bureau emerges as the company offering the most affordable rates. In Tyler, they provide average monthly premiums of $105.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $105 $1,258
Chubb $269 $3,286
Progressive $137 $1,642
Geico $155 $1,858
Allstate $115 $1,378

Best Car Insurance Companies In Tyler

For drivers in Tyler, selecting the appropriate car insurance company involves not only finding affordable rates but also ensuring reliable protection while on the road. Listed below are the top 10 car insurance companies in Tyler, TX, ranked by the average monthly rate they offer.

Company Monthly Premium
Nationwide $170
GAINSCO $90
Texas Farm Bureau $93
Direct Auto $101
State Farm $101
Kemper $146
Mercury $152
Clearcover $74
SafeAuto $112
USAA $120

Average Car Insurance Rates By Age In Tyler

Age Average Yearly Rate
Teenagers $3,384
20s $2,100
30s $1,392
40s $1,356
50s $1,284
60s $1,188
70s $1,404

Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. However, as drivers reach the age of 25, their rates generally begin to decline, assuming they maintain a clean driving record.

The most advantageous insurance rates are often accessible to drivers in their 50s and early 60s. Insurance companies utilize age as a measure to assess driving experience and risk propensity, thereby adjusting the cost of premiums accordingly.

Average Car Insurance Rates By Vehicle Type In Tyler

Vehicle Average Monthly Rate
Ford Focus $140
Chevrolet Camaro $188
Lexus SC $147
Ford Escape $58
Lexus IS $208

The type of vehicle you own significantly affects your car insurance expenses. Insurance companies consider factors such as the make, model, year, and body type of the vehicle. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to incur higher insurance rates.

Conversely, older cars or those that are less expensive to repair or replace may result in lower premiums. Insurers take these factors into account because they directly impact the potential cost of claims – for example, repairs for a high-end vehicle are generally more expensive than for a standard one. Additionally, certain car models known for their safety features may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Midland $118
Pharr $145
Beaumont $127
Arlington $130
Alpine $118
El Paso $122
Fort Worth $123
Baytown $140
Irving $135
Lubbock $116

The city where you live has a notable influence on your car insurance rates. Insurance companies evaluate multiple factors associated with your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This heightened risk frequently results in higher premiums.

FAQs

Who has the lowest car insurance rates in Tyler?

State Farm provides the most affordable car insurance rates in Tyler for both the minimum coverage mandated by the State of Texas and full coverage, which encompasses comprehensive and collision coverage.

What is the average cost of car insurance in Tyler?

The average cost of car insurance in Tyler is approximately $120 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant considerations.

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