Tyler Auto Insurance Rates, Quotes, Agents & Reviews in TX

Tyler, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Tyler, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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How to Save on Car Insurance in Tyler, TX

The average cost of auto insurance in Tyler, TX, is $1,376. This is lower than in most neighboring places such as Smith County, Noonday, Lindale, Bullard, and New Chapel Hill. Residents of Tyler should compare multiple auto insurance quotes and reviews before deciding on the one that best suits their needs. Here are some ways to increase savings in Tyler.

how_to_save_on_car_insurance_in_tyler_tx

Credit Score:

Having an “excellent” or “good” credit score will help car owners save on auto insurance in Tyler, TX. In contrast, an “average” or “poor” auto insurance can lead to a massive increase. The cost of auto insurance can rise up to $2.244 if the credit score if the driver is poor.

Anti-Theft Device:

Equipping one’s vehicle with an anti-theft device can go a long way in helping car owners lower auto insurance costs. A passive disabling device fetches the most amount of savings. 

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such cars, Farmers offers car owners discounts of up to 5% in some states.

Multi-Car Insurance:

In Tyler, TX, Car owners can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Tyler, TX, is $2,422, while it would cost $4,844 for four vehicles. The savings on multi-car insurance in Tyler also depends on the make and model of the car.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEITX provides a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Tyler, TX, post-DUI, increases to $2,142. However, this also depends on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Tyler. Other violations that can have a long-term impact on auto insurance in Tyler include driving with an expired license and running a red light.

Deductibles:

Paying a higher deductible will also help car owners lower the cost of insurance. For instance, Tyler’s yearly premium on a low deductible($500) is $1,246. It decreases to $1,053 when the deductible is higher ($1,000).

Factors that can influence the cost of car insurance in Tyler, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Tyler, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Tyler, TX with that of other cities in and around Tyler.

Tyler Smith County Noonday Lindale Bullard New Chapel Hill
Average Insurance Rates $1,376 $1,733 $1,943 $1,943 $1,995 $1,953

Tyler, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Tyler, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Tyler $1,246 $1,053
Smith County $1,839 $1,553
Chandler $1,829 $1,545
Noonday $1,122 $947
Hideaway $1,175 $993
New Chapel Hill $1,650 $1,394
Lindale $1,016 $858
Bullard $2,105 $1,778

Tyler, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Tyler, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,465
20 Years $1,768
30 Years $1,362
40 Years $1,310
50 Years $1,213
60 Years $1,230
70 Years $1,432

Tyler, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Tyler, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,422 $330
3 Vehicles $3,633 $495
4 Vehicles $4,844 $660

Savings on 2 Vehicles bundle:$330

Savings on 3 Vehicles bundle:$495

Savings on 4 Vehicles bundle:$660


Tyler, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Tyler, TX.

Location Average Insurance Cost Post DUI Insurance Rate
Tyler $1,376 $2,142
Smith County $1,733 $2,698
Chandler $1,951 $3,037
Noonday $1,943 $3,025
Hideaway $1,987 $3,093
New Chapel Hill $1,953 $3,040
Lindale $1,943 $3,025
Bullard $1,995 $3,106

Tyler, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,181
Excellent (740-799) $1,348
Good (670-739) $1,434
Average (580-669) $1,871
Poor (300-579) $2,244

Tyler, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Jimmie Bergman State Farm 5528 Old Jcksnvl Hwy, Tyler, 75703-3378 903-561-2246
David Lomax Allstate 1417 Lamar St, Tyler, 75701 (903) 593-7373
Neal J Nevejans Allstate 413 S College Ave, Tyler, 75702 (903) 595-6100
Karl Benner Farmers 1519 E 5th St, Tyler, 75701 (903) 597-1966
Skeen Insurance Agency Liberty Mutual Independent 220 E 5TH ST, TYLER, 75701 (903) 597-6021
Billy R Martin Ins Agy Liberty Mutual Independent 2032 REPUBLIC DR, TYLER, 75701 (903) 581-8191
Clifford Ray Moore Jr Inc Travelers 220 E FIFTH, TYLER, 75701 903-597-6021
Michael Munn State Farm 6004 S Broadway, Tyler, 75703-4424 903-561-4535
Hill Insurance Agency Lp Liberty Mutual Independent 113 N 4TH ST, WILLS POINT, 75169 (903) 873-3131
Tom Sorrels Ins Age Allstate 2268 Montgomery Gdns Ste 300, Tyler, 75708 (903) 593-8083

Tyler, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$61 $1,437
Driver's Failure In Showing Documents +$133 $1,509
Driving With An Expired Registration +$142 $1,518
Driving At A Considerably Slow Pace +$299 $1,675
Using A Cellphone While Driving +$315 $1,691
Running A Red Light +$321 $1,697
Speeding +$337 $1,713
Driving A Vehicle Without The Required Permission +$428 $1,804
Driving With An Expired/Suspended License +$927 $2,303

Tyler, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,321
Active Disabling Device $1,321
Tracking Device $1,293
Passive Disabling Device $1,280

Latest Auto Insurance Reviews in Tyler, TX | Back to Top

Usaa
I would recommend this company to anyone looking for car insurance. They care about their customers, offer great premiums, and great options.
Usaa
I highly recommend USAA!!! They are amazing! We have had them for years. Our policy cost has gradually gone down over the years, but their customer service has not.
Allstate
the good team premium and deductible of your policy compared to the other home insurance policies
Farmer's Insurance
The customer service of the car insurance company is very safe at the time of any damage caused as they give you the best possible care and responsibility
Allstate
We have an agent that we deal with and have never had to file a claim. We did call Attstate once to have a question answered and they were wonderful and quite informative, my agent was out.
Progressive
My experience with Progressive has been fairly positive so far and I've had them for my car insurance for years. They've been easy to work with and their rates are reasonable.
State Farm
The offerings of State Farm are far and above the level of its' competitors. They offer a range of products and services that meet the needs of anyone looking for an insurance coverage on a vehicle.
State Farm
The offerings of State Farm are far and above the level of its' competitors. They offer a range of products and services that meet the needs of anyone looking for an insurance coverage on a vehicle.
Geico
Compared to other insurance companies, meaning the big ones because those are the ones I have on my shopping list whenever I need a renewal my provider seemed to have from slightly better prices to significant differences.
Safeco Insurance
I feel like safeco is a little impersonal. I have been with them for a whie and they seem good, I just do not know a face to put with the company like I did my other insurace agent.
Safe Auto Insurance
The premium is much better. We switched from a company we were with for 10 years to this new company because the rate was half f what we were paying.
Alfa Insurance
Everytime that i call the office my insurance agent is out of the office. I called on Monday and the receptionist told me that he would be out until Thursday. I called on Thursday at 8:30 am and the answering machine. I called back at 11:55 and again got the answering machine. I called back at 4:00 Someone was in the office with my insurance agent so i left a message for him to call me back. My insurance agent called back around 4:30 pm and said hey just calling you back trying to wrap up my day whats up. I ask for a quote on what my insurance would be for the next six months and he said ill be happy to look that up for you let me get back with you tomorrow. I am not very happy with this.
Allstate
There is an 800 number that is either 24 hours or close to it. In addition, I have a local agent who is usually available to meet with me or speak on the phone. Otherwise, they will call me back or I can email. There are a lot of points of contact available to me. I am very satisfied with the customer service and support.
Esurance
Esurance is a very convenient provider that I was able to access online at my own convenience. The rates are fair, the website is very easy to navigate, and the help provided is very efficient. I have experienced no problems or harsh treatment as I had experienced with other carriers in the past. The days of meeting with a live agent in their office no longer interest me. Those experiences were poor and the majority were white egotistical males who had superiority complexes. I feel I am treated fairly without bias from Esurance.
Progressive
It is inexpensive and well known. I wouldn't anticipate having any problems if I did need to file a claim.