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How much is car insurance in Tyler?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Tyler is in line with pricing for the rest of Texas.
Similarly, car insurance rates in Tyler are often favorable when viewed against the rest of the country. The average monthly payment in Tyler is about $17 less than the rate for the rest of the U.S.
These rates may be the average amount Tyler drivers pay for their insurance policy, but that doesn't mean it's exactly what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't worry, we've done the work for you and broken down average rates for Tyler to help you get a more accurate idea of what you'll be charged for your policy. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Tyler Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the longer you've been driving. When it comes to car insurance bills, that experience pays off. According to the table above, you can see that 18-24-year-olds pay $51 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Drivers in Tyler may see their rates creep back up a bit once they hit retirement.
Tyler Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in Tyler is about $8 a month. As you can see in the table above, male drivers in the area typically pay $67 on average, while female drivers typically pay $59 each month.
Tyler Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the biggest factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. Drivers in Tyler with a single accident on their record will usually see rates around $85 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $74.
Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Tyler Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$58|
|15 Years or Older||$61|
In terms of affordable coverage, the cheapest vehicles to insure in Tyler are usually SUVs, at $59 per month.
Truck and van drivers will see rates of about $61, while the rates for car owners average out to about $65 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Tyler, the most expensive vehicles to insure are vehicles six-to-seven years old.
Tyler Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally, those who are currently married will pay slightly less for car insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Tyler, with married couples paying about $18 less per month.
Tyler Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$90|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $10 a month more than homeowners in Tyler. Those who live with their parents, however, can expect to pay a good deal more than their counterparts who rent or own.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your overall 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 shopping for coverage.
In Tyler, auto insurance rates increased from 2017-2018, before leveling out in 2019. Car insurance rates went up again, reaching a high of $72 in 2021, and finished down at $57 in 2022.
How does Tyler compare to neighboring areas?
Why are car insurance rates in Tyler different from other areas?
Car insurance companies will take into account many factors when deciding how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you call home. These include things like:
- Road Safety (how many accidents each locality has)
- Off-street parking accessibility
- Community laws
- Prevalence of crime
- Amount of drivers in the area
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Tyler?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies providing policies in Tyler.
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Tyler Auto Insurance FAQs
What factors affect car insurance quotes in Tyler?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Tyler different from other neighboring cities?
Things like crime rates, parking situations, 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?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Tyler?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Tyler or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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