Car Insurance in Tyler, TX
How much does car insurance
cost in Tyler, Texas?
The average estimated cost of Lemonade car insurance in Tyler ranges from roughly $1,106 to $1,146 per year*, depending on factors like your age, driving history,
car type, and location.
Here is a look at rates in other cities in Texas:
| City | Average monthly base premium* |
|---|---|
| Houston | $90 to $99 |
| El Paso | $100 to $109 |
| Denton | $80 to $89 |
| Dallas | $100 to $109 |
How can I get cheaper car insurance
in Tyler, Texas?
Lemonade offers Texas drivers loads of opportunities
to help lower your car insurance rates.
Hybrid/EV discount
Lower rates for driving eco-friendly cars—like hybrids or electric vehicles.
Bundle discounts
Unlock discounts when you bundle with Lemonade—including car, renters, homeowners, pet, and more.
Safe driving
Your safe driving habits—like speed, braking, and making smooth turns—can positively impact your premiums.
What’s the best car insurance
in Tyler, Texas?
Lemonade Car was designed to really shine for safe, low-mileage drivers.
Seamless user experience
Enjoy a smooth ride from quote to claim, with an app that makes managing your policy easy and stress-free.
Super customizable coverage
Choose from flexible coverages and add-ons to build a policy that fits your lifestyle
Fast claims resolution
File claims in minutes and get reimbursed quickly—right through the app.
What is the minimum car insurance
required in Tyler, Texas?
To meet Texas car insurance coverage requirements, Tyler drivers must carry these coverages and minimum amounts to stay road-legal:
| Required minimum coverages for Tyler drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $30,000 (per person)/$60,000 (per accident) |
| Property damage liability | $25,000 |
What additional car insurance coverages
are available in Tyler, Texas?
Consider adding collision, comprehensive, and uninsured motorist coverage
to your policy for better protection.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read MoreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read MorePersonal injury protection (aka PIP)
Can help pay for things like your medical bills, lost wages, and other related expenses after a car accident. With PIP, your own insurance company covers the medical expenses from a car accident regardless of who is at fault.
Read MoreUninsured / underinsured driver bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read MoreUninsured / underinsured driver property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read MoreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read MoreTyler Texas car insurance FAQs
What car insurance coverage is recommended for Tyler’s severe thunderstorms?
Comprehensive coverage is vital for Tyler drivers to protect against damage from thunderstorms, including hail and strong winds. This coverage makes sure your vehicle is prepared for repairs caused by the area’s frequent weather events.
How does Tyler’s traffic along Highway 69 influence car insurance needs?
Busy traffic on Highway 69 raises the risk of accidents, particularly during peak hours. Collision coverage is a wise choice to protect against repair costs stemming from accidents in high-traffic areas.
What happens if I don’t have the minimum car insurance coverage required in Tyler?
Not having car insurance in Tyler could lead to fines ranging from $350 to $1,000, surcharges on your license, and vehicle impoundment. Additional consequences include license and registration suspensions, SR-22 filings, and jail time for habitual violations.
Is Texas an at-fault state?
Yes, Texas is an at-fault state, so in Tyler, the driver at fault pays for any damages caused by an accident. This can be done through your auto insurance or out-of-pocket expenses.
How can I lower my car insurance premium in Tyler?
You can lower your car insurance premium by maintaining a clean driving record, opting for higher deductibles, paying your premium in full for a discount, and bundling your car insurance with other types of insurance.
Lemonade offers renters insurance, homeowners insurance, pet insurance, and life insurance in Tyler that you can bundle with a Lemonade car insurance policy, and bundling any combination of our insurance products together will unlock savings.
Additionally, Lemonade offers trunkloads of discounts—like the three year safe driving discount, or the five year accident free discount.
By the way, did you know that Lemonade drivers in Tyler get free roadside assistance? All you need to do is make sure that you’ve enabled location services in the Lemonade app.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states.
*Lemonade Insurance analyzed policy rates to calculate average car premiums as of December 9, 2024 across all applicable states. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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