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Kristine Lee

Insurance Analyst

Credentials
  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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Ross Martin

Insurance Writer

Credentials
  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

How much does car insurance cost in Tyler?

The typical driver in Tyler, Texas, pays $704 per six months for car insurance. That's just less than the average in Texas ($707) and less expensive than the national average of $880. Keep reading to learn more about how much you can expect to pay for insurance coverage based on your marital status, age, credit score, and other factors.

Car insurance in Tyler vs. Texas Average 6 Mo. Premium
Tyler average $704
Texas average $707

The Zebra's key takeaways about car insurance in Tyler:

  • The average cost of a car insurance policy in Tyler is $704 per six-month policy — $117 per month.
  • The cheapest company in Tyler is GEICO ($596).
  • 40% of Zebra customers in Tyler stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Tyler car insurance rates by company

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. In Tyler, GEICO offers the cheapest rates for the average insurance customer. We've listed the best cheap car insurance companies in Tyler below. Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

Cheapest car insurance companies in Tyler, TX
Company Avg. 6 Mo. Premium
GEICO $596
USAA $615
State Farm $650
Allstate $1,155

The Zebra’s auto insurance data methodology

The auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Tyler.

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Tyler auto insurance rates by age

Our data shows that drivers between the ages of 20-29 make up 35% of Tyler drivers. The age group that pays the least for car insurance in Tyler is drivers in their 50s ($613 for six months). Drivers in their 60s pay marginally higher rates — $633 per six months.

The Tyler drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Tyler is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Tyler is $1,767. That's the biggest gap in premiums between any pair of age brackets.

Tyler auto insurance costs by age
Age bracket Avg. 6 Mo. Premium
Teenagers $1,799
20s $916
30s $693
40s $675
50s $613
60s $633
70s $779

Tyler car insurance rates by credit score

Credit score is often closely correlated with car insurance costs. In fact, Tyler drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 61% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Tyler, moving into the "Fair" credit tier corresponds to an average of $611 in savings on insurance each year. Our data tells us 39% of drivers in Tyler have a credit score of average (580-679). 

credit score
Tyler auto insurance costs by credit level
Credit Tier Avg. 6 Mo. Premium
Very Poor $1,489
Fair $878
Good $704
Very Good $653
Exceptional $579

Tyler car insurance costs by violation

If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Tyler drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $774 per year versus the city average. A ticket for speeding results in a $120 rate hike while a DWI or DUI violation costs $791 per year in extra insurance expenditures.

Tyler auto insurance rates after a violation
Incident Avg. 6 Mo. Premium
DWI/DUI $1,100
Reckless Driving $1,091
At-fault Accident (damages < $1,000) $893
At-fault Accident (damages > $2,000) $1,066
Speeding Ticket (16-20 mph over speed limit) $764

Compare over 100 insurance companies at once!

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.