Table of contents
How much is car insurance in Tyler?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Tyler as it does in the rest of Texas.
If you're thinking of moving to Tyler from out of state, you may still be in luck. On average, it's about $18 less to insure your vehicle in Tyler than it is in the rest of the U.S.
Bear in mind that while these rates are the average costs for Tyler drivers, it doesn't mean that's what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Tyler residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally speaking, the older you are, the more experience you have driving, right? That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay twice as much as drivers of retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement, however, your rates may creep back up in Tyler.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. This rings true in Tyler, where women pay around $7 less per month than men. As you can see in the table above, female drivers in the area typically pay $60 on average, while female drivers typically pay $67 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records can expect to pay much less than those with infractions. Drivers in Tyler with one accident will pay around $85 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $73.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$61|
In Tyler, the cheapest vehicles to insure are usually SUVs, with drivers paying around $59 per month for auto insurance.
Car owners, on the other hand, by and large pay around $66 a month, while truck and van drivers can expect to pay about $60 per month to insure their car.
Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is a few years old. In Tyler, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
On average, people who are married will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
At a national level, single drivers usually pay more than married couples do for auto insurance. Tyler follows that pattern, with the difference totaling to around $18 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$91|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $10 a month more than homeowners in Tyler. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Tyler, TX
Recent trends in car insurance for Tyler drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before picking an insurance policy.
The cost of car insurance in Tyler had been increasing from 2017-2018, before leveling out in 2019. They rose again, reaching a high of $72 in 2021, and finished down at $48 in 2022.
How does Tyler compare to neighboring areas?
Why are car insurance rates in Tyler different from other areas?
There are many factors car insurance companies take into consideration when figuring out how much to charge for coverage. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Road Safety (total number of local car accidents)
- Off-street parking accessibility
- Total number of drivers in the community
- Area laws
- Local crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Tyler?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com has you covered. Just type in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from loads of the car insurance companies that offer plans in Tyler in no time.
Tyler Insurance FAQs
What factors affect car insurance quotes in Tyler?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Tyler different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Tyler?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Tyler?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Tyler or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.