Cheap Auto Insurance Tyler TX: A Comprehensive Analysis

In Tyler, Texas, the typical driver pays $704 for a six-month car insurance policy.

This amount is slightly below the Texas state average of $707 and significantly lower than the national average of $880.

Continue reading to find out how factors like marital status, age, and credit score can influence your insurance costs.

Cheap Auto Insurance Tyler TX
Cheap Auto Insurance Tyler TX image source [MarketWatch]

Car Insurance Costs in Tyler vs. Texas

Average 6-Month Premium:

  • Tyler average: $704
  • Texas average: $707

Key Takeaways About Car Insurance in Tyler:

  • The average cost of car insurance in Tyler is $704 for a six-month policy, which breaks down to about $117 per month.
  • The most affordable insurance provider in Tyler is GEICO, with an average premium of $596.
  • 40% of Zebra customers in Tyler reported switching to our service because they were paying too much with their previous insurance provider.

Sources & Data Methodology

We combine both external and internal sources to provide relevant, experience-backed information in the insurance industry.

This page details how we collect and maintain the data used throughout our site.

Dynamic Insurance Rating Tool — Auto Insurance

State law requires all insurance companies to submit rate filings with regulatory agencies to ensure fair and non-discriminatory premiums.

Through our partnership with Quadrant Information Services, we source these rate filings to provide the most up-to-date information to our readers.

Our proprietary Dynamic Insurance Rating Tool queries and stores these rate filings, allowing us to generate pricing for a variety of driving profiles.

These factors include credit score, coverage level, driving record, and more. Many of our pages utilize the following user profile:

  • A 30-year-old single male with good credit and no accident or violation history.
  • A 2015 Honda Accord with 50/100/50 liability limits plus $500 deductibles for comprehensive and collision coverage.

We averaged this user profile over the US by sampling over 34,000 different ZIP codes. Below is an example of how this data appears on our auto insurance page:

Company Avg. 6 Mo. Premium
Allstate $1,206
Farmers $893
GEICO $771
Nationwide $738
Progressive $941
State Farm $785
USAA $683


Average 6-Month Premium for a 30-year-old Male with Full Coverage

Dynamic Insurance Rating Tool — Home Insurance

Like our auto insurance content, homeowners rates published on this site are powered by Quadrant Information Services.

As of 2024, these rate filings are updated yearly.

Much of our homeowners content uses the sample profile of a married 45-year-old living in a 2,500-square-foot single-story home built in 2011 with a standard HO-3 homeowners policy:

  • $200,000 for Dwelling Coverage (Coverage A)
  • $20,000 for Other Structures Coverage (Coverage B)
  • $100,000 for Personal Property Coverage (Coverage C)
  • $100,000 for Personal Liability Coverage (Coverage F)
  • $1,000 deductible

When applicable, we adjust this profile to provide the most specific and helpful home insurance rates to our readers.

Below is an example of how this data appears on our homeowners insurance content:

Company Avg. Annual Premium Avg. Monthly Premium
Allstate $1,561 $130
American Family $1,764 $147
Amica Mutual $2,843 $237
Farmers $1,871 $156
Nationwide $1,231 $103
State Farm $1,484 $124
Travelers $2,674 $223
USAA $1,385 $115

Anonymized User Surveys

Since 2012, we have helped over 18 million people shop and compare home and auto insurance quotes.

After serving so many customers, we’ve gathered extensive insights.

Throughout our site, we cite anonymized customer data collected during the quoting process to assist similar customers with their insurance needs.

This information allows us to provide tailored advice based on the real experiences of like-minded consumers.

Below is an example of how we use this information on our car insurance quotes landing page.

Data Anonymization & Aggregation

Personal Identifiable Information (PII) such as names, exact addresses, and email addresses are excluded from our surveys.

Data is further aggregated to ensure no single user can be identified.

Analysis & Recommendations

Our team of insurance analysts reviews the anonymized data to uncover insights and trends, helping our readers make more informed insurance decisions.

Recommendations are based on the largest user percentile and cross-referenced for clarity and accuracy by our team of licensed insurance writers.

Tyler Auto Insurance Rates by Age

Our data indicates that drivers aged 20-29 comprise 35% of Tyler’s driving population.

The lowest car insurance rates in Tyler are paid by drivers in their 50s, averaging $613 for six months.

Those in their 60s pay slightly more, at $633 for the same period.

Teenagers in Tyler face the highest insurance premiums. One of the most effective ways to reduce your car insurance rates is to age out of your teens.

The premium difference between teenage drivers and those in their 20s is a substantial $1,767, marking the largest gap between any 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 scores significantly influence car insurance costs in Tyler.

Drivers who improve their credit score from the “Very Poor” tier (300-579) to the “Exceptional” tier (800-850) can achieve a 61% reduction in car insurance rates.

Transitioning from the “Very Poor” to the “Fair” credit tier can save Tyler drivers an average of $611 annually on insurance.

According to our data, 39% of Tyler drivers have a credit score in the “Average” range (580-679).

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


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Tyler Car Insurance Costs by Violation

To keep your car insurance costs reasonable in Tyler, maintaining a clean driving record is essential.

Violations such as speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents can all lead to significant insurance rate increases.

Drivers in Tyler found guilty of reckless driving face a substantial rate hike, paying $774 more per year compared to the city average.

A speeding ticket results in a $120 annual increase, while a DWI or DUI violation can raise insurance costs by $791 per year.

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 limit) $764



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