Cheapest and Best Car Insurance in Tyler, TX (2024)

The most affordable car insurance in Tyler, Texas, varies. Texas Farm Bureau offers the cheapest minimum and full coverage, while Nationwide the is top for families with teens. For balancing price and service, Chubb clinches the best overall. Identifying the perfect fit for you hinges on coverage choices and preferences.

MoneyGeek found that Texas Farm Bureau provides the cheapest car insurance in Tyler.

• Texas Farm Bureau: $412 per year
• State Farm: $423 per year

Among the providers reviewed, Dairyland had the most expensive minimum coverage policy in Tyler, with annual rates exceeding Texas Farm Bureau's by $1,306. Compare rates when choosing insurance companies to ensure you're not overpaying and to save on expenses.

Car insurance coverage minimums in Tyler and other cities in Texas are mandated by state law:

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

If you have minimum coverage insurance and are at fault in an accident, your policy would cover up to $30,000 for injuries per person, but only up to $60,000 for all injuries per accident. You will have to take financial responsibility if the damages exceed these limits.

Texas Farm Bureau offers the cheapest full coverage car insurance in Tyler.

• Texas Farm Bureau: $836 per year
• State Farm: $975 per year

Dairyland is at the high end, with annual rates of $3,473. Full coverage policies cost more because they include comprehensive and collision insurance, which protects against a wider range of incidents than minimum coverage.

A full coverage policy includes coverage for damage to your vehicle in the form of comprehensive and collision coverages. It usually also includes increased liability limits.insurance.

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

Full coverage insurance protects new cars but is also required if you lease or have a car loan. With older vehicles, though, the cost of full coverage may outweigh the benefits. To make an informed choice about how much car insurance you need, weigh the desire for expansive coverage against the potential for higher premiums while recognizing that less substantial coverage could leave you inadequately insured.

MoneyGeek found that the cheapest company for drivers with a poor driving record varies depending on the type of offense.

• Speeding Ticket: Texas Farm Bureau ($836 per year)
• At-Fault Accident: State Farm ($1,207 per year)
• DUI: Progressive ($1,437 per year)

The companies with the most expensive annual premiums based on offense also vary. Dairyland has the highest rate for speeding tickets at $4,326, Foremost at $5,325 for accidents and Nationwide for DUI at $3,564. These figures illustrate how significantly car insurance rates can fluctuate based on the offense.

Insurance companies in Tyler assess higher premiums for more serious driving offenses as they indicate a greater risk of costly accidents. For instance, a driver with a speeding ticket will pay an average annual premium of $2,670, while a DUI offense costs $3,361. Drivers with offenses must actively compare insurance quotes to find the most suitable option.

MoneyGeek found that Nationwide offers the cheapest car insurance for teens, both male and female, in Tyler.

• Nationwide: $1,557 per year for female teens and $1,775 per year for male teens
• State Farm: $1,758 per year for female teens and $2,126 per year for male teens

These rates cover a family of two parents and a teenage driver. Allstate has the most expensive policy for families with teen drivers in Tyler, with an annual premium for females at $6,081. The substantial difference of $4,524 emphasizes the importance of shopping around to insure higher-risk teenage drivers.

On average, an individual teen policy costs $6,997 annually, which is roughly $3,532 more expensive than a family plan. This stark contrast is due to the elevated risk of insuring inexperienced teen drivers. Further compounding the case for joining a family plan is teenagers needing more credit history and driving experience.

MoneyGeek found that Texas Farm Bureau is tailored to the needs of active duty military members.

• Texas Farm Bureau: $836 per year
• State Farm: $975 per year

Despite ranking third on the list with an annual premium of $1,049, USAA has a strong reputation for being one of the cheapest car insurance for people with military backgrounds in Tyler.

Getting the best car insurance rates in Tyler can lead to significant savings, but diligently comparing policies can take hours.

Expedite savings by using MoneyGeek's car insurance calculator. Simply input your age, driving history, credit score and desired coverage to receive tailored rate estimates promptly.

Choosing the best auto insurance hinges on what you prioritize — service quality, cost, coverage or other factors. Based on MoneyGeek's distinctive scoring system, the top car insurance provider in Tyler is Chubb for a variety of preferences:

• Best overall: 90 out of 100
• Best for service: 92 out of 100
• Best cheap: 88 out of 100

Chubb's commanding lead for overall value, service excellence and affordability makes it the premier choice for car insurance in Tyler. It boasts comprehensive offerings, expertise in customer experience and competitive pricing.

MoneyGeek found that Chubb is the best option in Tyler for drivers seeking the best car insurance.

• Chubb: MoneyGeek score of 90 out of 100 ($1,648 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($975 per year)

Chubb stands out in Tyler for its exceptional customer satisfaction and claims experiences, making it an industry leader in full coverage car insurance policies.

MoneyGeek found that Chubb is the best option in Tyler for top-tier car insurance based on general satisfaction, claims handling and coverages, with less emphasis on rates.

• Chubb: MoneyGeek score of 92 out of 100 ($1,648 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,360 per year)

Chubb exceptionally balances customer satisfaction and claims resolution efficiency. Its coverage options also contribute significantly to its high MoneyGeek score, solidifying its position as the foremost insurer in Tyler for service quality.

MoneyGeek found that Chubb is the best option for cheap car insurance in Tyler. The ranking also takes claims handling and general satisfaction into account.

• Chubb: MoneyGeek score of 88 out of 100 ($811 per year)
• Mercury: MoneyGeek score of 79 out of 100 ($431 per year)

Despite a higher annual premium, Chubb’s quality of service in claims handling and customer satisfaction ensures that policyholders receive not just financial savings but also peace of mind. Note that these scores are for a minimum coverage policy.

Car insurance in Tyler costs approximately $1,635 per month. This figure is less than the average cost of car insurance in Texas at $1,782, which in itself is a bit above the national average of $1,781.

Location is a significant component in determining car insurance premiums because it encompasses factors like local traffic density, risk of theft and the likelihood of accidents, which vary from place to place. For instance, Houston has the most expensive city premium at $2,177, while Wichita Falls has the cheapest at $1,414, the difference of which is $763 just within Texas.

The average cost of car insurance may be more economical in less populated, non-city areas with lower traffic density.