Table of contents
How much is car insurance in Tyler?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Tyler as it does in the rest of Texas.
Likewise, when compared to the national average, the cost for auto insurance in Tyler is lower. It's around $18 less to insure your vehicle compared to the average rate for the United States as a whole.
Although these are the average car insurance rates in Tyler, you could end up paying something different. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay to get car insurance. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
We've analyzed the average rate for Tyler and broken down the different factors to help you understand what your policy's monthly premium will be. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. According to the table above, you can see that 18-24-year-olds pay significantly more than someone who is at retirement age.
You can expect to see your monthly premium drop about once a decade or so. You may see your rates creep back up a bit once you hit retirement age in Tyler.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. The difference in Tyler is around $6 per month. Looking at the table above, you can see that female drivers pay around $60 on average, while male drivers typically pay $66 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Tyler with a single accident will pay around $86 a month. In addition, drivers with one ticket can expect to pay around $81 a month on average.
When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$54|
|15 Years or Older||$61|
In terms of affordable coverage, the cheapest vehicles to insure in Tyler are by and large SUVs, at $58 per month.
Car owners can expect to pay an average of around $64 a month for their policy, while truck and van drivers are usually around $61 to insure each month.
The age of your vehicle also plays a role in your monthly payment. Overall, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. The most expensive vehicles to insure in Tyler, for example, are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
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.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$92|
Another factor that comes into play is your housing situation. If you rent your home or apartment, expect to pay around $9 a month more than if you own your own home in Tyler. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
Car Insurance Companies in Tyler, TX
Recent trends in car insurance for Tyler drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending before picking an insurance policy.
In Tyler, the rates for car insurance increased from 2016-2018, before dropping in 2019. Car insurance rates rose again recently, hitting a high of $72 in 2021.
How does Tyler compare to neighboring areas?
Why are car insurance rates in Tyler different from other areas?
Car insurance companies look at several factors when they're deciding how much to charge for a policy. Many factors affecting your policy are based around where you live. These factors include things like:
- Availability of off-street parking
- Regional regulations
- Number of drivers in the community
- Crime levels
- General road safety (how many accidents each locality has)
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 getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Tyler.
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 you can't control like your gender and age 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 parking situations, local laws, and crime rates, 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 car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use 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.