If you don’t live in Texas or have never visited the state, you may not be familiar with Tyler, Texas. However, this Texas city is famous for its rose gardens and rose cultivation industry. It’s also the county seat of Smith County and the largest city in northeastern Texas.

Despite its relatively small population, Tyler is also one of the fastest-growing cities in the region. Since 1990, its population has grown by nearly thirty percent, with no signs of slowing down. While it can’t compete with much larger Texas cities like Austin and Dallas, Tyler is one of the Lone Star State’s rising stars.

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Driving in Tyler, Texas

Though temperatures can get pretty hot and humid in summer, the winter climate is relatively mild. Snow is a rarity, though it can occur in small amounts during winter months. However, Tyler, Texas, gets heavy rainfall year-round, with an average of 46 inches per year (well above the national average). As a result, driving can be hazardous in Tyler during inclement weather.

Between the hazardous weather conditions and the increasing population, Tyler sees some of the highest car insurance rates in northeastern Texas. On average, Tyler drivers pay about $1176 per year for their car insurance. 

However, auto insurance rates in Tyler can vary widely based on the insurer and type of policy. Additionally, your neighborhood, age, driving history, type of vehicle, and even credit score can all affect the amount you pay per year for car insurance.

To help find cheap car insurance in Tyler, Texas, let’s first look at how Texas state law regulates drivers and their insurance.

Car Insurance Laws for the State of Texas

The Texas Department of Insurance regulates car insurance for every driver in the state. According to the state Department of Insurance, all Texas drivers must abide by the following regulations:

  • Texas drivers must maintain some form of car insurance for every registered vehicle.
  • Texas state minimum liability insurance must cover the following:
    • $30,000 for personal injury or death (per person)
    • $60,000 for personal injury or death (by accident)
    • $25,000 for property damage (per accident)
  • Unlike many states, Texas does not require drivers to maintain insurance against uninsured or underinsured drivers.
  • Proof of minimum liability insurance is required before obtaining vehicle registration in Texas.

You can learn more about Texas car insurance laws with the Texas Department of Insurance Automobile Insurance Guide.

How Car Insurance Rates Are Determined In Tyler

With over 100,000 residents, Tyler is a relatively small city compared to more famous cities in Texas. Nonetheless, residents in Tyler, Texas, also experience variations in property value, cost of living, and taxes. As a result, car insurance rates are not the same citywide. In fact, there is a great deal of variation in insurance rates between different neighborhoods in Tyler.

However, car insurance premiums are not just dependent on location. They are also highly dependent on drivers. When an insurance provider is calculating your rates in Tyler, they will look at some or all of the following factors:

Determiners for Car Insurance Premiums

  • Age – According to historical data, younger drivers tend to get in more accidents. This means that the younger you are, the more you will need to pay for insurance. The average age in Tyler is 33, which is well below the national average (38).
  • Gender – Men are more likely than women to get in accidents, so your gender could impact your auto rates.
  • Marital Status – Typically, married couples take fewer risks than their single counterparts.
  • Driving Record – A driver’s record is one of the most important factors that insurance providers consider. If you have a history of frequent speeding tickets, DUIs, collisions, or other infractions, you will have to pay more.
  • Claims Record – It is important to consider how many claims you have made to insurance providers in the past (if any). At-fault claims will cause your premiums to rise, while not-at-fault collisions will usually have no impact on your rates.
  • Credit Score – Some states do not allow your credit score to affect your insurance premiums, while others do. In Texas, insurance providers can and do factor in your credit when you’re applying for a new policy.
  • Previous Insurance Coverage – If you have maintained auto insurance without any gaps, your new insurance provider will see this as a good sign. However, if you went for several years, months, or even days without any insurance, you might be considered a “high-risk” applicant.
  • Vehicle Type – Some cars are driven differently than others. Additionally, certain cars (for example, expensive sports cars) are more prone to theft or vandalism.
  • Use of Vehicle – When you exclusively use your vehicle for personal use, you are less likely to get in an accident. However, if you take long business trips or frequently drive for work, you increase your collision chances.
  • Annual Mileage – How much you drive directly impacts your chances of getting in an accident. If you put a lot of mileage on your car, you are more likely to file a claim with your insurance provider.

For more information on Texas laws, visit the Texas Department of Insurance.

Best Cheap Car Insurance Companies in Tyler

Tyler has relatively high insurance rates, though they are definitely not the highest in Texas (that honor goes to Houston). In any case, several local and national insurers provide high-quality insurance policies at reasonable rates throughout northeastern Texas. So, let’s take a look at some of the best cheap car insurance companies in Tyler:

ProviderAnnual RateMonthly Rate
Texas Farm Bureau$684$57
Geico$710$59
State Farm$712$59
Nationwide$772$64

 

The table above includes some of the cheapest rates for minimum liability insurance in Tyler, Texas. However, the minimum coverage may not cover all of the costs of damages, medical bills, or legal fees after an accident. As a result, you may want to obtain more than the minimum to avoid high out-of-pocket expenses in the future. For comprehensive coverage in Tyler, the premiums are significantly higher:

 

ProviderAnnual RateMonthly Rate
Texas Farm Bureau$1160$97
State Farm$1204$100
Geico$1225$102
Nationwide$1276$106

 

These tables show approximate rates based on the polling of men and women with good driving records (no at-fault collision claims). Individual rates may vary based on the criteria listed above, including age, driving record, and location.

To get a better picture of how auto insurance rates can vary by location in Tyler, let’s look at the cheapest and most expensive insurance rates by zip code.

Car Insurance Rates by Zip Code in Tyler

Least Expensive Neighborhoods for Car Insurance

  • 75703 (South Tyler)
  • 75707 (New Chapel Hill)
  • 75709 (West Tyler)
  • 75798 (Southwest Tyler)
  • 75799 (the University of Texas at Tyler)
  • 75704 (Tyler Swan)

Most Expensive Neighborhoods for Car Insurance

  • 75701 (Midtown)
  • 75702 (Downtown)
  • 75710 (Tyler City Square)
  • 75711 (Rose Hill)
  • 75712 (Erwin and Broadway)
  • 75713 (Elm Street)

Choosing the Best Car Insurance Policy in Tyler

As you can see, many factors determine your car insurance rates in Tyler. From the weather to your driving history, insurance premiums require complex calculations specific to each location and individual. While the data above should give you an idea of what to expect, you will still need to directly contact an insurer for an exact quote.

In any case, we hope this guide helps you when you’re ready to obtain a new policy with one of the best car insurance companies in Tyler.

For more guides like these, check out our list of car insurance guides and resources.

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Matthew Jones