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.
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!
Maximize your insurance searchLocal 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
- 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.
Expert TipBe 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.
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.
Learn more: The best way to shop for auto insurance
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.
- 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
- 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
- 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
Every driver is differentCar 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 Texas1.
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% |
Source: Texas Department of Transportation
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.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 |
---|---|
Progressive | 42% |
State Farm | 74% |
Travelers | 74% |
Kemper | 76% |
USAA | 97% |
Allstate | 101% |
Farmers | 120% |
Nationwide | 123% |
GEICO | 164% |
- MethodologyTo 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.
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.
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.
FAQ
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Who has the cheapest car insurance in Texas?
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How much is car insurance in Tyler, Texas?
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What is the average cost of car insurance per month in Texas?
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Who is known for cheap car insurance in Tyler, TX?
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Why is my car insurance so high in East Texas?
Sources
- https://mobility.tamu.edu/texas-most-congested-roadways/ ↩︎
- https://www.jacksonvilleprogress.com/news/local_news/txdot-tyler-district-releases-2022-fatal-crash-statistics/ ↩︎
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Licensed Insurance Agent
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.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from 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.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.