Tyler, TX Car Insurance

Learn more about auto insurance in Tyler, Texas.

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How much does car insurance cost in Tyler?

 

The typical driver in Tyler, Texas, pays $1,409 per year for car insurance. That's just less than the average in Texas ($1,415) and less expensive than the United States average of $1,548. 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.

 
AUTO INSURANCE: TYLER RATES VS. STATE + NATIONAL AVERAGES
Tyler Average (per year) Texas Average United States Average
$1,409 $1,415 $1,548
 
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Tyler car insurance rates by insurance 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.

 
TYLER CAR INSURANCE POLICY RATES BY COMPANY
Insurance Company Average Yearly Rate
GEICO $1,192
USAA $1,231
State Farm $1,300
Allstate $2,311
 

Consult The Zebra's expert guide to finding the best cheap car insurance.

 

Tyler car insurance premiums by age

The age group that pays the least for car insurance in Tyler are drivers in their 50s ($1,226 per year). Drivers in their 60s pay marginally higher rates — $1,267 per year.

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 CAR INSURANCE RATES BY DRIVER AGE
Age tier Average Annual Rate
Teenagers $3,599
20s $1,832
30s $1,387
40s $1,350
50s $1,226
60s $1,267
70s $1,558
 

Learn more about the impact of age on car insurance premiums.

 

Tyler auto insurance rates by marital status and gender

 

Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Tyler pay $92 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Tyler, single drivers pay more than those who are widowed.

Gender is yet another factor that can affect auto insurance premiums. Tyler's car insurance cost gap by gender is $9 per year, with male drivers paying more than female drivers.

 
TYLER CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Annual Rate
Female $1,401
Male $1,409
Single $1,317
Married $1,317
Divorced $1,409
Widowed $1,285

 

Tyler auto insurance premiums by citation and accident history

 

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 CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/Violation Average Yearly Rate
DWI/DUI $2,200
Reckless Driving $2,183
At-fault Accident (damages < $1,000) $1,787
At-fault Accident (damages > $2,000) $2,133
Speeding Ticket (16-20 mph over speed limit) $1,529
 

Learn more about the impact of driving violations on car insurance rates.

 

Tyler car insurance rates by credit tier

 

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 $1,222 in savings on insurance each year.

 
TYLER AUTO INSURANCE RATES BY CREDIT SCORE
Credit Score Average Yearly Rate
Very Poor $2,979
Fair $1,756
Good $1,409
Very Good $1,307
Exceptional $1,159

 

The best way to save money on insurance is to compare car insurance quotes each time your policy approaches expiration. 

Compare car insurance rates.

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Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.