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Buy Car Insurance in Tyler, Texas (Jun 2024)

Drivers in Tyler, TX pay an average of $211/month for full coverage car insurance and $91/month for state minimum. Smart shopping can help you save.
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R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Kathleen Flear, Director of Content
Drivers in Tyler, Texas pay an average of $211 per month for full coverage
car insurance
. To find savings on the coverage you need, download the
Jerry
app and compare quotes today.

Find affordable auto insurance in Tyler, Texas 

No single insurance company offers the best rates for every driver in Tyler—and picking an insurance agency off a map might not net you the best offers. 
Instead, work with Jerry to
get free quotes
and end-to-end insurance services in Tyler, TX. 

1. Download the Jerry app to find quotes

Shopping with an independent online broker
like Jerry is the most efficient way to find affordable insurance coverage in Tyler, TX. By building a single insurance profile in the app, you’ll get instant access to dozens of quotes from local insurance companies.
app screenshot
When you download the app, we’ll ask for some basic information about you, your household, and your vehicle.
This information helps insurance companies personalize your quotes so you can get an accurate estimate of your costs.
Always provide accurate information at this stage of the shopping process—it will ensure that your final prices stay competitive!
Local insurance agents in Tyler may only work with a single insurance company or a handful of companies. As an insurance broker, Jerry partners with over 55 car insurance providers and can check dozens of Tyler insurance companies for the best rates.

2. Compare coverage options and insurer pricing

Don’t just go with the first quote. Not all Tyler drivers need the same type of insurance policy, and you may benefit from choosing a policy with extra coverage—or one with the lowest premiums.
Jerry shows quotes at four different levels of coverage: 
  • Basic, which only includes the bare minimum liability coverage required by Texas state law
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  • Basic + Full coverage, which adds
    comprehensive
    and collision coverage to mandatory minimum liability coverage
  • Standard, which includes $50k/$100k/$50k liability coverage and full coverage, plus add-ons like uninsured motorist coverage and medical payments
  • Preferred, which includes $100k/$300k/$50k liability coverage and a full suite of add-ons like rental reimbursement and roadside assistance
Most drivers in Tyler go with the Standard plan or a policy with
full coverage
and moderate-to-high liability limits. If you make auto loan payments on one or more of your vehicles, you’ll need to add collision and comprehensive coverage to your policy.
Be sure to buy enough liability coverage to cover all your current assets, as well as any anticipated future earnings. Liability insurance covers court costs stemming from an accident you’re responsible for. It only takes a single mistake to put your financial safety in jeopardy, and raising your liability limits to $100k/$300k/$100k or higher only costs a few extra dollars each month.

3. Enter your payment information to secure your policy

Once you’ve found a deal that works for you, simply click “Confirm your rate” to fill out the rest of your profile and lock in the final price for your coverage. Don’t wait on this step—insurance quotes are time-sensitive, so delaying your final quote could mean a higher rate. 
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Once you have a final price, enter your payment information to purchase the policy and activate your coverage.
Most car insurance companies that partner with Jerry offer same-day coverage. It typically takes between one and three hours to finalize your policy through the app.
Once you’re set up with your new policy and digital insurance cards, don’t forget to turn on the automatic reshopping option in the app. With this tool, Jerry can automatically pull new quotes when your policy is up for renewal, when your credit score improves, or when a new insurer in your area joins the platform.

The best insurance companies in Tyler, TX

No single insurance company offers the best auto insurance options for every driver in Tyler—but when we asked real policyholders to rate their insurance companies, a few providers stood out from the competition. 

Progressive Insurance

  • Years in business: 86
  • Jerry user rating: 4.2 stars
  • AM Best rating: A+ (Superior)
Many Tyler drivers find affordable rates with Progressive—especially drivers with poor credit, teens, or serious violations on their driving record. If you own your home, bundling homeowners and car insurance with Progressive can lead to seriously low rates.
"I was stressed out to find how much it was to get insurance on my stepdaughter until I got a quote from Progressive!" - Alyssa P., Tyler, TX
Read More

Anchor General

  • Years in business: 35
  • Jerry user rating: 4.7 stars
  • AM Best rating: B (Fair)
Anchor General is a California-based insurance company, but they’re one of the best car insurance providers for drivers in Tyler—especially high-risk drivers who struggle to find affordable coverage elsewhere. 
"Great so far!" – LaFrance K., Tyler, TX
Read More

Kemper Insurance

  • Years in business: 33
  • Jerry user rating: 4.2 stars
  • AM Best rating: A- (Excellent)
Many Tyler drivers find low rates on car insurance through Kemper, and in our nationwide insurance shopping survey, policyholders consistently rated Kemper 4.5 out of 5 stars for affordable pricing.
"They are hands down the best company. They are quick to respond if you have questions. They are inexpensive. The customer service is outstanding. They let you know when your next payment is due in enough time so you don’t forget. I would definitely keep choosing them over and over." – Michaela H., Tyler, TX
Read More
Car insurance quotes are highly personalized; the best company for another driver might not be the best for your profile and insurance needs. That’s why comparing quotes is so important—it’s all about finding the best match between you and your perfect insurer.

How to avoid high car insurance rates in Tyler, TX

Practice defensive driving—especially in rush-hour traffic

A recent study by the Texas A&M Transportation Institute found that a stretch of S Broadway Ave (between W SW Loop 323 and SL 49) is one of the top 100 most congested roadways in Texas. 1
High rates of traffic congestion correlate with high auto insurance rates due to the heightened risk of accidents and claims. In fact, data from the state Department of Transportation (TxDOT) shows that the rate of serious crashes in Tyler has risen dramatically since 2020. 

Crash data for Tyler, TX 2018-2022

Year
Fatal crashes
Serious crashes
Possible injury crashes
Total crashes
Serious crash rate
2022
12
105
648
3,360
3.5%
2021
14
111
698
3,403
3.7%
2020
11
55
679
2,964
2.2%
2019
7
61
723
3,197
2.1%
2018
7
50
696
3,201
1.8%
To avoid accidents—and keep your driving record clean—practice defensive driving techniques: 
  • Avoid distractions: Silence your phone, don’t eat behind the wheel, and pull off the road if you’re getting tired. Plan ahead to avoid driving while sleepy or in a rush. 
  • Maintain a safe distance: Keep at least six seconds between you and the next car on the road in good conditions—and add a second for environmental hazards like rain.
  • Keep an eye out: Scan the road for potential hazards as you drive, and be prepared to stop or adjust your speed. 
  • Stick to the driving lane: On the highway, only use the left-hand lane to pass other vehicles—and only pass if you need to! Frequent lane changes increase your risk of an accident. 

Don’t drink and drive

In 2022, Tyler saw a 67% increase in DUI-related fatalities compared to 2021.2  A single DUI charge could raise your insurance rates by anywhere from 42 to 164%, depending on which insurance provider you work with. 
Insurance company
Average rate increase after a DUI
42%
74%
74%
76%
97%
101%
120%
123%
164%
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Methodology
To determine these average increases, our editorial staff combined data from Forbes Advisor, NerdWallet, Bankrate, ValuePenguin, and Insurance.com. The data in the table above represents the average of the data contained in these sources. 
Learn more:
Texas DUI laws

Research discounts 

Car insurance discounts
can drastically reduce the price of coverage in Tyler. Check with your current provider to see if they offer any of the following discounts—or look for a new company with discounts you’re eligible for.
  • Bundling discounts: Combining your home insurance or renters insurance with your auto insurance policy could save you between 9% and 20%, on average. 
  • Safe driver discounts: Most insurance companies offer a telematics program that tracks your driving in exchange for discounts—up to 30% off your car insurance policy in some cases! 
  • Payment discounts: Opting for electronic payments or paying your entire annual premium in full could trim as much as 10% off your Tyler car insurance bill. 
  • Driver discounts: Good grades or certain organization memberships could bring your rates down. Talk to your insurance agent for more information. 

Learn how to drive in bad weather

Drivers in Tyler need to learn to live with thunderstorms and tornadoes, particularly in the spring storm season.
When driving in inclement weather, be sure to: 
  • Avoid driving during a storm if possible. If you’re caught on the road, turn on your emergency lights and move to the side of the road to wait it out. 
  • Leave extra space between your vehicle and others on the road. Low visibility and reduced traction mean you’ll need extra time to react and come to a complete stop. 
  • If a tornado is seen in the area, pull over to the side of the road and seek shelter. Don’t try to shelter under your vehicle or under a bridge. 

Find a trusted auto repair shop

Don’t wait until you need a mechanic to find a shop you trust. Regular auto maintenance protects your vehicle and reduces the chance of an accident—and, if you do get in an accident, you want a mechanic you can trust on your side. 
app screenshot
If you’re new to the Tyler area, Jerry can help you locate a mechanic that other drivers in the area trust.
We’ll even show you price estimates for common services, like oil changes and tire rotation.

FAQs

Who has the cheapest car insurance in Texas?

No single insurance agency has the cheapest car insurance for every driver in Texas. Tyler drivers can find the cheapest car insurance for their unique profile by working with a broker like Jerry. 

How much is car insurance in Tyler, Texas?

Car insurance in Tyler, Texas costs an average of $211 per month for full coverage and $91 for state minimum coverage with only bodily injury liability and property damage liability coverage. 

What is the average cost of car insurance per month in Texas?

On average, Texas drivers pay $211 per month for full coverage car insurance and $91 per month for liability-only state minimum coverage. 

Who is known for cheap car insurance in Tyler, TX?

GEICO, Progressive, and State Farm are known for having the cheapest car insurance for many drivers—but not everyone will find the cheapest rates with these providers. You might find even better offers with smaller regional insurers. 

Why is my car insurance so high in East Texas?

East Texas drivers may see high car insurance rates due to the threat of severe weather from thunderstorms and coastal hurricanes, or due to high rates of vehicle crimes such as theft and vandalism. 

Meet our experts

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R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
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Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.