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.
Cheapest and Best Car Insurance in Tyler, TX (2024)
Updated: December 19, 2024
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Key Takeaways
In Tyler, Texas, the Texas Farm Bureau offers the most affordable minimum coverage car insurance at $412 per year, significantly undercutting Dairyland's $1,718 premium, resulting in potential savings of $1,306 by comparing providers.
In Tyler, Texas, drivers can save up to $2,637 annually on full coverage car insurance by choosing Texas Farm Bureau at $836 per year over Dairyland's premium rate of $3,473, highlighting the significant savings potential by comparing rates.
In Tyler, Texas, the most affordable full coverage car insurance for military drivers is provided by Texas Farm Bureau, with an annual premium of $836, compared to State Farm's $975 and USAA's $1,049.
Why Trust MoneyGeek? We analyzed 328,384 quotes, six sources and original research from 14 companies to rate the cheapest companies and develop a scoring system for Texas insurance providers based on ZIP codes in the city. Our scoring system considers affordability, customer satisfaction, claims experience, coverages and financial stability.
These rates reflect the cheapest car insurance quotes in Tyler, TX, as of August 2024.
328,384Quotes Analyzed
14Companies Compared
Cheapest Minimum Coverage Car Insurance in Tyler
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.
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Age Group:30-59
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Coverage:Minimum Coverage
| Texas Farm Bureau | $412 | $34 |
| State Farm | $423 | $35 |
| Mercury | $431 | $36 |
| Progressive | $586 | $49 |
| National General | $677 | $56 |
| AAA Texas | $690 | $57 |
| GEICO | $703 | $59 |
| Allstate | $749 | $62 |
| Chubb | $811 | $68 |
| Nationwide | $1,075 | $90 |
| Foremost | $1,077 | $90 |
| Dairyland | $1,718 | $143 |
State Minimum Liability Requirements
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.
Cheapest Full Coverage Car Insurance in Tyler
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.
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Age Group:30-59
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Coverage:Full Coverage
| Texas Farm Bureau | $836 | $70 |
| State Farm | $975 | $81 |
| Progressive | $1,196 | $100 |
| GEICO | $1,291 | $108 |
| AAA Texas | $1,359 | $113 |
| National General | $1,420 | $118 |
| Allstate | $1,491 | $124 |
| Mercury | $1,602 | $133 |
| Chubb | $1,648 | $137 |
| Nationwide | $1,964 | $164 |
| Foremost | $2,360 | $197 |
| Dairyland | $3,473 | $289 |
Do You Need Full Coverage in Texas?
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.
Cheapest Car Insurance in Tyler After a Driving Offense
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.
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
| Texas Farm Bureau | $836 | $70 |
| State Farm | $975 | $81 |
| Allstate | $1,491 | $124 |
| GEICO | $1,503 | $125 |
| Progressive | $1,554 | $129 |
| AAA Texas | $1,760 | $147 |
| Chubb | $1,863 | $155 |
| National General | $1,896 | $158 |
| Nationwide | $2,287 | $191 |
| Mercury | $2,296 | $191 |
| Foremost | $2,779 | $232 |
| Dairyland | $4,326 | $360 |
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.
Cheapest Car Insurance in Tyler for Teens and Their Families
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.
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Age:16
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Gender:Female
| Nationwide | $1,557 | $3,855 |
| State Farm | $1,758 | $2,468 |
| GEICO | $2,346 | $3,247 |
| Foremost | $3,551 | $10,036 |
| Progressive | $3,593 | $10,709 |
| Allstate | $6,081 | $7,072 |
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.
Cheapest Car Insurance in Tyler for Military Drivers
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.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| Texas Farm Bureau | $836 | $70 |
| State Farm | $975 | $81 |
| USAA | $1,049 | $87 |
| Progressive | $1,196 | $100 |
| GEICO | $1,291 | $108 |
| AAA Texas | $1,359 | $113 |
| National General | $1,420 | $118 |
| Allstate | $1,491 | $124 |
| Mercury | $1,602 | $133 |
| Chubb | $1,648 | $137 |
| Nationwide | $1,964 | $164 |
| Foremost | $2,360 | $197 |
| Dairyland | $3,473 | $289 |
How to Compare Cheap Tyler Car Insurance Quotes Online
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.
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Rates updated:
Dec 21, 2024
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Best Car Insurance in Tyler: Overview
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.
Overall Best Car Insurance in Tyler
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.
Best OverallChubb
MoneyGeek Score:
90/ of 100
Overview
Chubb's high MoneyGeek score is due to its exceptional claims process (20 out of 20) and satisfaction (34 out of 35) rates. In terms of coverage, Chubb offers the most common ones, such as rental car and/or travel reimbursement and roadside assistance.
Original equipment manufacturer (OEM) coverage, which ensures that vehicle repairs use original manufacturer parts, may also be included. Diminished value coverage, which will allow you to receive appropriate compensation for the depreciation linked to the accident's history, is another one of Chubb's offerings. These rare and valuable coverages offer you peace of mind.
Best Car Insurance in Tyler for Customer Service
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.
Best for Customer ServiceChubb
MoneyGeek Score:
92/ of 100
Overview
Chubb offers common rental car and/or travel reimbursement and original equipment manufacturer (OEM) coverages. OEM is highly valuable for car owners who want to maintain their vehicles with authentic parts after an accident.
Also included in its thoughtful insurance package are antique/classic car and diminished value coverages. The former is a rare offering that protects vintage cars and their owners, while the latter offers financial peace of mind for any cars' value post-accident.
While the absence of roadside assistance is a slight negative, Chubb's stellar satisfaction (44 out of 45) and claims (30 out of 30) ratings prove that it is among the best in the industry.
Best Cheap Car Insurance in Tyler
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.
Best Cheap CompanyChubb
MoneyGeek Score:
88/ of 100
Overview
Chubb boasts an average annual premium of just $811 for minimum coverage to give the company a MoneyGeek affordability score of 32 (out of 40) and make protection accessible. Drivers can enjoy the common bundling discount, but rare types like defensive driving and anti-theft systems allow policyholders to lower their premiums.
While multiple car and safe driving discounts are absent, the available discounts align nicely with Chubb's high claims score of 20 (out of 20). Chubb closes out its scores with a 25 (out of 25) for satisfaction and a 7 (out of 10) for coverage.
Average Cost of Car Insurance in Tyler
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.
| Abilene | $1,484 |
| Allen | $1,750 |
| Amarillo | $1,790 |
| Arlington | $1,740 |
| Austin | $1,727 |
| Beaumont | $1,851 |
| Brownsville | $1,845 |
| Carrollton | $1,882 |
| College Station | $1,537 |
| Corpus Christi | $1,664 |
| Dallas | $1,966 |
| Denton | $1,669 |
| El Paso | $1,603 |
| Fort Worth | $1,728 |
| Frisco | $1,751 |
| Garland | $1,971 |
| Grand Prairie | $1,922 |
| Houston | $2,177 |
| Irving | $1,890 |
| Killeen | $1,551 |
| Laredo | $1,816 |
| League City | $1,835 |
| Lewisville | $1,700 |
| Lubbock | $1,598 |
| McAllen | $1,996 |
| McKinney | $1,745 |
| Mesquite | $1,960 |
| Midland | $1,532 |
| Odessa | $1,658 |
| Pasadena | $1,906 |
| Pearland | $1,967 |
| Plano | $1,819 |
| Richardson | $1,884 |
| Round Rock | $1,620 |
| San Angelo | $1,458 |
| San Antonio | $1,791 |
| Sugar Land | $1,868 |
| The Woodlands | $1,877 |
| Tyler | $1,635 |
| Waco | $1,519 |
| Wichita Falls | $1,414 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.