Cheapest Auto Insurance in Brownsville, Texas (2024)
State Farm offers the cheapest car insurance in Brownsville, with minimum-coverage policies as low as $34 per month.
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Written byAmy Beardsley
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3+ years writing about auto, home, and life insurance
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Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
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Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 21, 2024
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Table of contents
In Brownsville, car insurance costs an average of $166 a month, which is close to the Texas state average of $181. For comparison, the national average rate is $154.
A growing population in the state is partly to blame for the city’s more expensive insurance costs. Additionally, Brownsville’s location in the Rio Grande Valley exposes it to threats like tornadoes, flash flooding, and wildfires, further driving up car insurance costs.[1]
Comparing quotes is crucial to finding a great deal on Brownsville car insurance. Just remember that your cost depends on your circumstances and coverage needs.
Quick Facts
The average cost of car insurance in Brownsville is $217 a month for full coverage and $115 for liability.
Brownsville drivers must carry 30/60/25 liability limits to drive legally in Texas.[2]
The Texas Automobile Insurance Plan Association can help if insurers deny you coverage.
Best and cheapest car insurance companies in Brownsville
Finding cheap auto insurance isn’t easy. Drivers in the state of Texas saw a 25% jump in premiums in 2023, according to Insurify’s latest car insurance pricing report. But Brownsville drivers can still find affordable rates and good service. Here are three top insurers to consider.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $69 | $37 | Liability-only coverage |
| Allstate | 8.9 | $98 | $53 | Young drivers |
| GEICO | 9.0 | $75 | $40 | Drivers with a DWI |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $34/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $63/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm has some of the lowest average rates for liability-only insurance in Brownsville. The company has been in business for more than 100 years and is the largest car insurance company in the U.S. by market share. You’ll find eight State Farm agents in Brownsville, who can help you customize your coverage to lower your costs.
Pros
Above-average J.D. Power customer satisfaction rating in Texas
Generous rental car coverage
Cons
Gap insurance not available
Can’t purchase a policy online
Best insurer for young drivers: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $49/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
4.0
Best choiceBased on 5648 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,073)
Rodney
November 20, 2024
Verified Review
Lower Insurance
The insurance is too high.
Lyudmila
November 14, 2024
Verified Review
No Discount for Seniors
The service is mediocre.
Latonya
November 12, 2024
Verified Review
Not Recommended
I would not recommend Allstate. They did not support me when I needed them most. They didn't believe me or the other party when we said my first accident wasn't my fault. My agent incorrectly reported to the DMV that my insurance had lapsed when it hadn't. They increased my insurance rates four to five times within two years. A representative from my agent's office called me to sell renters insurance, promising a lower monthly rate, which turned out to be false. After I was involved in a hit and run, instead of ensuring my wellbeing, they raised my insurance again to almost $800/month. I find Allstate to be a disappointing car insurance company and I wouldn't recommend them to anyone.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
The fourth-largest car insurance company in the U.S., Allstate offers rates that are notably less than the city’s average. It’s also the best auto insurance company for teens. The company has discount programs specifically tailored for Brownsville’s young drivers. Additionally, eight of the nine local Allstate insurance agents have “elite” status, suggesting top-tier customer service.
Pros
Accident forgiveness, regardless of fault
Custom parts and sound system coverage available
Cons
Below-average J.D. Power customer satisfaction rating in Texas
Missing multi-car discount
Best insurer for drivers with a DWI: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $37/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $69/mo |
4.0
Best choiceBased on 10274 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,648)
George
November 19, 2024
Verified Review
Service
The prices increase every year. I would not recommend purchasing.
James
November 19, 2024
Verified Review
Unsatisfactory Experience with Geico
Steer clear. They increase your rate at every renewal.
Edward
November 18, 2024
Verified Review
Experience with Geico
Reliable.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Brownsville drivers generally pay less for car insurance when they go with GEICO. Although there’s no in-person support, considering the nearest agent is more than 160 miles away in Corpus Christi, GEICO customer service can help you file an SR-22 certificate with the state if your DWI conviction requires one.
Pros
Highly rated mobile app
Roadside assistance starts at $14 per year
Cons
Below-average J.D. Power customer satisfaction rating in Texas
No gap insurance option
How to get the cheapest car insurance in Brownsville
To reduce your premiums, it helps to know what insurance rating factors contribute to a car insurance quote. Insurers consider driving history, vehicle type, marital status, credit history, and where you park overnight. Consider these strategies to increase your savings on your next car insurance bill:
Ask about discounts. While car insurance discounts can vary by auto insurance company, many offer discounts for good grades, safe drivers, and eco-friendly vehicles.
Increase policy deductibles. Higher deductibles can lower your rates, but it means you’ll pay more out of pocket if you file a claim.
Bundle policies. Combine home or renters insurance with auto insurance to take advantage of bundling discounts.
Shop around. Low auto insurance rates won’t just appear on your doorstep. Get multiple quotes to compare coverage and choose the best deal.
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Cheapest liability-only car insurance in Brownsville
Liability car insurance doesn’t cover your car’s dents. It pays for damages and injuries you cause to others in a car accident. This coverage meets Texas’ auto insurance requirements but can leave gaps in your protection.
In Brownsville, State Farm leads the pack for budget-friendly liability-only car insurance, averaging a rate of just $34 a month. The table below shows the average car insurance quotes for liability coverage from the best companies in Brownsville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $34 |
| GEICO | $37 |
| Allstate | $49 |
| Mile Auto | $52 |
| USAA | $61 |
| Nationwide | $77 |
| Mercury | $80 |
| Progressive | $93 |
| Safeco | $94 |
| Dairyland | $99 |
| Chubb | $104 |
| National General | $114 |
| Clearcover | $114 |
| 21st Century | $119 |
| Direct Auto | $120 |
| The General | $120 |
| Bristol West | $125 |
| Commonwealth Casualty | $126 |
| Elephant | $133 |
| GAINSCO | $153 |
| Liberty Mutual | $183 |
| Foremost | $205 |
| State Auto | $229 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Brownsville
While liability insurance offers minimum coverage for damages you cause to others, full-coverage car insurance goes the extra mile. You’ll get protection for your vehicle’s damages. If you’re financing or leasing a vehicle, your lender may require full coverage. However, it’s also helpful if you’re looking for more peace of mind.
The average cost of full coverage in Brownsville is $217 a month, and the table below shows the cheapest car insurance companies for full coverage in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $63 |
| GEICO | $69 |
| Allstate | $89 |
| Mile Auto | $106 |
| USAA | $113 |
| Mercury | $137 |
| Nationwide | $141 |
| Progressive | $160 |
| Safeco | $166 |
| Clearcover | $170 |
| Chubb | $191 |
| Elephant | $218 |
| 21st Century | $221 |
| Direct Auto | $230 |
| National General | $235 |
| Dairyland | $257 |
| The General | $262 |
| Bristol West | $266 |
| Liberty Mutual | $301 |
| GAINSCO | $326 |
| Commonwealth Casualty | $347 |
| State Auto | $423 |
| Foremost | $437 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Brownsville, Texas
Drivers using Insurify have found quotes as cheap as $38/mo for liability only and $57/mo for full coverage in Brownsville and other Texas cities.
*Quotes generated for Insurify users in and around Brownsville, Texas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Brownsville, Texas within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Texas auto insurance has specific requirements, including having a 30/60/25 policy with personal injury protection (PIP) included. If you don’t want PIP coverage, you must inform your insurer in writing. The state uses a fault system, which means you’re on the hook for damages and injuries if you cause an accident. However, minimum coverage may not always cover the full scope of expenses, and the Texas Department of Insurance (TDI) suggests increasing your coverage limits.
Here are the minimum car insurance requirements in Texas:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
Buying more than the bare-minimum coverage is a good idea. Brownsville’s best car insurance companies offer additional coverage to customize your policy. Two common options are collision and comprehensive insurance, but TDI specifically mentions five add-ons to increase your coverage:
Collision coverage
Collision coverage steps in when your car hits another vehicle or object to pay for your repair or replacement costs, no matter who’s at fault.
Comprehensive coverage
Comprehensive coverage protects against theft, fire, vandalism, tornadoes, hail, and falling objects, among other non-collision events.
Medical payments coverage
Medical payments coverage pays for medical bills for you and your passengers, even if you’re the passenger in another vehicle or get injured while cycling or on foot.
Roadside assistance coverage
Towing, battery boosts, and other emergency roadside help is handy if you find yourself stuck on the side of the road.
Rental car coverage
This helps pay for a temporary ride if your vehicle needs repairs after an accident.
Cheapest car insurance for drivers with an incident
At-fault accidents, speeding tickets, DWIs, and other incidents can cause your auto insurance prices to surge. Insurers see these traffic violations as indicators of risky behavior, which increases the potential of having to pay future claims. If your driving record isn’t perfect, you aren’t doomed to high rates — savvy Brownsville drivers can still find cost-effective coverage.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
Getting a speeding ticket means more than an immediate fine. It sends a message to insurers that you might be a high-risk driver, potentially leading to more expensive auto insurance coverage. The overall average cost of car insurance for Brownsville drivers with a speeding ticket is $227 a month.
If you’re ready to compare coverage options, look at the table below. It shows how Brownsville car insurance companies measure up for drivers with speeding tickets.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $80 | $43 |
| GEICO | $88 | $47 |
| Allstate | $114 | $63 |
| Mile Auto | $137 | $67 |
| USAA | $145 | $78 |
| Nationwide | $182 | $100 |
| Mercury | $188 | $110 |
| Progressive | $203 | $118 |
| Safeco | $216 | $122 |
| Clearcover | $219 | $147 |
| Chubb | $248 | $135 |
| 21st Century | $293 | $158 |
| Direct Auto | $295 | $154 |
| Elephant | $301 | $183 |
| National General | $302 | $147 |
| Dairyland | $329 | $127 |
| The General | $342 | $157 |
| Bristol West | $343 | $161 |
| Liberty Mutual | $415 | $252 |
| GAINSCO | $450 | $211 |
| Commonwealth Casualty | $479 | $174 |
| State Auto | $584 | $316 |
| Foremost | $603 | $283 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you cause an accident, you’re not only responsible for paying for the injuries of the other driver and their passengers, but it also puts you in a riskier category for car insurance. A riskier profile often translates to steeper auto insurance premiums. Some insurers offer accident forgiveness, providing some financial relief, even for at-fault accidents.
You may also see lower rates by switching to a different insurance company. In Brownsville, the overall average for car insurance after an at-fault accident is $240 per month. To start your search, consider the insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $85 | $46 |
| GEICO | $94 | $50 |
| Allstate | $121 | $67 |
| Mile Auto | $148 | $72 |
| USAA | $154 | $83 |
| Nationwide | $193 | $106 |
| Mercury | $199 | $116 |
| Progressive | $219 | $127 |
| Safeco | $224 | $127 |
| Clearcover | $249 | $167 |
| Chubb | $261 | $142 |
| Elephant | $290 | $177 |
| 21st Century | $308 | $166 |
| National General | $319 | $155 |
| Direct Auto | $320 | $167 |
| Dairyland | $346 | $133 |
| Bristol West | $361 | $170 |
| The General | $363 | $166 |
| GAINSCO | $424 | $199 |
| Liberty Mutual | $436 | $265 |
| Commonwealth Casualty | $462 | $168 |
| State Auto | $625 | $338 |
| Foremost | $633 | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DWI: State Farm
Driving under the influence isn’t just a legal misstep — it casts a shadow over your insurance rates. In 2021, the Brownsville Police Department reported 3.5 times more alcohol-related car accidents than in 2020.[3]
Drunk driving increases your risk level, leading insurers to hike up your premiums — the overall average cost for insurance after a DWI in Brownsville is $273 a month. You may also need to file an SR-22 certificate to verify insurance coverage.
Check out the table below for a comparison of Brownsville insurance quotes for drivers with a DWI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote: Full Coverage ▲▼ | Average Monthly Quote: Liability Only ▲▼ |
|---|---|---|
| State Farm | $104 | $56 |
| GEICO | $114 | $61 |
| Allstate | $147 | $81 |
| Mile Auto | $175 | $86 |
| USAA | $186 | $101 |
| Mercury | $209 | $122 |
| Nationwide | $232 | $127 |
| Safeco | $254 | $144 |
| Progressive | $264 | $153 |
| Clearcover | $280 | $188 |
| Chubb | $315 | $171 |
| Elephant | $359 | $219 |
| 21st Century | $364 | $196 |
| Direct Auto | $379 | $198 |
| National General | $387 | $188 |
| Dairyland | $423 | $163 |
| The General | $432 | $198 |
| Bristol West | $438 | $206 |
| Liberty Mutual | $496 | $302 |
| GAINSCO | $537 | $252 |
| Commonwealth Casualty | $572 | $208 |
| State Auto | $697 | $377 |
| Foremost | $720 | $338 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance rates can change as drivers age. Rates typically decrease around age 35 due to better driving habits and more experience. While seniors are often safe drivers, premiums tend to rise by age 70 because they’re more likely to get into fatal car accidents.[4]
Seniors drivers in Brownsville pay an average of $91 a month for liability insurance and $171 a month for full coverage. Other Brownsville car insurance companies offer affordable coverage for senior drivers, as shown in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $26 | $48 |
| GEICO | $29 | $54 |
| Allstate | $38 | $70 |
| Mile Auto | $38 | $78 |
| USAA | $48 | $88 |
| Nationwide | $56 | $103 |
| Mercury | $62 | $106 |
| Progressive | $65 | $113 |
| Chubb | $74 | $136 |
| Dairyland | $77 | $201 |
| Safeco | $79 | $139 |
| National General | $85 | $175 |
| 21st Century | $87 | $161 |
| Direct Auto | $91 | $175 |
| The General | $95 | $208 |
| Clearcover | $96 | $143 |
| Bristol West | $98 | $208 |
| Commonwealth Casualty | $98 | $271 |
| Elephant | $106 | $174 |
| GAINSCO | $125 | $267 |
| Liberty Mutual | $150 | $247 |
| Foremost | $160 | $341 |
| State Auto | $167 | $308 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Being a teen driver can be fun, but it’s often costly when it comes to car insurance. Teens are new to driving and likely to make more mistakes, so insurance companies see them as risky and charge them more. To save money, young drivers can rely on a few strategies:
Stay on their parents’ insurance plan. Adding a teen to a parent’s policy is cheaper than buying separate coverage.
Choose a safe car. Vehicles with better safety ratings qualify for lower premiums.
Earn good grades. Insurers often provide good student discounts.
Complete a driver’s education course. Taking a driver’s education course can open up insurer discounts.
Brownsville car insurance costs for teen drivers are an average of $212 a month for liability only and $400 for full coverage. Check out the table below to see how companies offer different quotes for teen drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $61 | $113 |
| GEICO | $62 | $115 |
| Allstate | $91 | $165 |
| Mile Auto | $104 | $213 |
| USAA | $107 | $198 |
| Nationwide | $140 | $256 |
| Mercury | $147 | $252 |
| Dairyland | $167 | $432 |
| Progressive | $170 | $292 |
| Safeco | $188 | $332 |
| The General | $199 | $434 |
| Chubb | $206 | $379 |
| 21st Century | $210 | $390 |
| Clearcover | $218 | $325 |
| Bristol West | $219 | $467 |
| Elephant | $225 | $369 |
| Commonwealth Casualty | $227 | $624 |
| Direct Auto | $228 | $437 |
| National General | $233 | $480 |
| GAINSCO | $275 | $586 |
| Liberty Mutual | $327 | $538 |
| Foremost | $379 | $808 |
| State Auto | $423 | $782 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Brownsville car insurance quotes by credit tier
While Texas has some of the toughest rules about how insurers use credit information, credit history is still a primary factor for car insurance quotes.[5] It’s common for drivers with poor credit scores to pay twice as much as drivers with excellent or good credit scores, even if they have a safe driving record.
Here’s how monthly rates stack up based on different credit levels for Brownsville drivers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Brownsville?
Location plays a big role when insurers calculate car insurance quotes. Prices vary by city and ZIP code, and Brownsville auto insurance premiums are more expensive on average. While rates in the city are similar to the Texas average, Brownsville insurance policies cost more than the national average.
More cities in Texas
Here’s how other Texas cities compare to Brownsville’s car insurance costs.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Abilene | $94 | $201 |
| Amarillo | $104 | $234 |
| Corpus Christi | $129 | $230 |
| Dallas | $133 | $277 |
| El Paso | $97 | $202 |
| Lubbock | $107 | $221 |
| Plano | $126 | $243 |
| San Antonio | $123 | $237 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Brownsville car insurance FAQs
Learn how to shop for car insurance in Insurify’s guide, and check out the answers to questions about car insurance in Brownsville below.
How much is car insurance in Brownsville?
The average cost of car insurance in Brownsville is $217 a month for full coverage and $115 a month for liability.
Who has the cheapest car insurance in Brownsville?
State Farm is the cheapest car insurance company in Brownsville, with an average cost of $34 for liability insurance.
What are the best car insurance companies in Brownsville?
Some of the best car insurance companies in Brownsville include State Farm, Allstate, and GEICO. These companies have solid Insurify Quality Scores, relatively affordable average rates, and strong AM Best ratings.
How much does car insurance cost a month in Texas?
The average cost of car insurance in Texas is $120 a month for liability only and $241 a month for full coverage.
What is the bare-minimum car insurance in Texas?
Texas requires 30/60/25 liability insurance, which translates to $30,000 per person and $60,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[2]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- National Weather Service. "Rio Grande Valley, Texas Hazardous Weather Awareness Guide 202."
- Texas Department of Insurance. "Auto insurance guide."
- Brownsville Police Department. "2021 Annual Report."
- AAA. "Senior Driver Safety & Mobility – AAA Exchange."
- Texas Department of Insurance. "Credit Scoring and Insurance."
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Amy BeardsleyInsurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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