Brownsville, TX Auto Insurance (2024)

How much is auto insurance in Brownsville, TX? Brownsville, TX auto insurance rates are $498 per month, which is $161 more expensive than the Texas auto insurance average and $170 more than the national average.

You can save on Brownsville, Texas auto insurance quotes by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find information on how to get cheap auto insurance in Brownsville, TX, for every age, credit history, and driving record.

Monthly Brownsville, TX Car Insurance Rates by ZIP Code

Check out the monthly Brownsville, TX auto insurance rates by ZIP Code below:

For more information, see auto insurance rates by ZIP code: what you need to know.

Brownsville, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Brownsville, TX stack up against other top metro auto insurance rates? We’ve got your answer below.

Ready to find affordable Brownsville, TX auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Brownsville, TX?

The least expensive auto insurance company in Brownsville, based on average rates, is State Farm.

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Which Brownsville, TX auto insurance company has the cheapest rates? And how do those rates compare against the average Texas auto insurance company rates? We’ve got the answers below.

The best car insurance companies in Brownsville, TX, ranked from cheapest to most expensive are:

• State Farm auto insurance – $2,941
• USAA auto insurance – $3,013
• Geico auto insurance – $3,156
• American Family auto insurance – $4,435
• Progressive auto insurance – $4,864
• Nationwide auto insurance – $5,447
• Allstate auto insurance – $5,598

There are a lot of factors that determine your auto insurance rates. The cheapest company for you depends on age, gender, driving record, credit score, and coverage level.

Location is also a factor. The ZIP code with the cheapest Brownsville, TX car insurance is 78586, but the most expensive ZIP code is 78520.

Brownsville, TX auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

Your coverage level will play a major role in your Brownsville auto insurance rates. Find the cheapest Brownsville, TX auto insurance rates by coverage level below:

Your credit score will play a major role in your Brownsville auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. For more information on the impact of your credit score, see auto insurance and your credit score.

Find the cheapest Brownsville, TX auto insurance rates by credit score below.

Your driving record will play a major role in your Brownsville auto insurance rates. For example, other factors aside, a Brownsville, Texas DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Brownsville, TX auto insurance rates by driving record.

Factors affecting auto insurance rates in Brownsville, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Brownsville, Texas auto insurance.

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Texas does use gender, so check out the average monthly auto insurance rates by age and gender in Brownsville, TX.

For more information, see male vs. female auto insurance rates.

What are the auto insurance requirements in Brownsville, TX?

All Brownsville drivers have to meet the Texas state law minimum requirements for auto insurance.

In Texas, you have to carry at least:

• $30,000 per person and $60,000 per incident for bodily injury liability (BIL) insurance
• $25,000 per incident for property damage

Texas is an at-fault state. How are at-fault accidents defined? At-fault means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

What affects auto insurance rates in Brownsville, TX?

We talked about some of the significant factors that affect auto insurance, but what about the factors you may not notice.

Your car insurance provider considers how much you drive your vehicle and your city’s theft rates.

According to City-Data, the average commute time in Brownsville, TX is 18 minutes, but the national average is around 23 to 25 minutes.

Auto theft in Brownsville, TX can impact comprehensive auto insurance. The latest FBI statistics report that Brownsville had 121 vehicle thefts in 2019. Therefore, you may get a break on full coverage rates.

Brownsville, TX weather may also be a factor. In 2019, Brownsville had 12 hurricane disasters, so comprehensive coverage may be a good option to add to your policy.

Brownsville, TX Auto Insurance: What’s the bottom line?

Brownsville, TX auto insurance has a massive average compared to the national average. Auto insurance for young adults and teens can be much more expensive.

The best way to secure cheap Brownsville, TX auto insurance is through discounts. If you don’t qualify for savings, keep shopping around until you can get an affordable policy.

Before you buy Brownsville, TX auto insurance, be sure you’ve checked out rates with multiple companies. Enter your ZIP code below to get fast, free auto insurance quotes.