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Cheapest recent rates near Brownsville, Texas
Drivers using Insurify have found quotes as cheap as $34/mo for liability only and $59/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 May 2, 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 May 2, 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 May 2, 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 May 2, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Brownsville, car insurance costs an average of $170 a month, which is close to the Texas state average of $185. For comparison, the national average rate is $159.
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 $232 a month for full coverage and $109 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Best insurer for liability-only coverage: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$36/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.
$59/mo
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
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$50/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.
$83/mo
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
I've been with Allstate at the Welsh agency for the past 5 years and the service has been very good. However, since the retirement of my agent, I haven't had the same personal experience with the Carlisle agency and am considering switching to another company.
James - April 23, 2024
Verified
Recommend Allstate
Other than continually raising my rate, I consider them very good.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$39/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.
$65/mo
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
We were with Geico for over 20 years and then had a terrible customer service experience. This wasn't a minor issue or just one agent. The problem involved conversations with multiple agents and supervisors. It's disappointing that after being insured with this company for so long, they showed no interest in resolving an unexpected situation that was actually an honest mistake made by one of their agents. I don't recommend them!
Elizabeth - April 25, 2024
Verified
Excellent
It has always been great.
Andrew - April 24, 2024
Verified
AI-Run, Money-Hungry Company
The customer service is poor and very unprofessional. It's impossible to speak to an agent.
…
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 $36 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: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
36
GEICO
39
Hugo
49
Mile Auto
49
Allstate
50
USAA
64
Safeco
74
Nationwide
84
Mercury
87
Midvale Home & Auto
90
Progressive
90
Dairyland
96
Clearcover
98
Chubb
108
National General
112
Liberty Mutual
115
Elephant
117
Commonwealth Casualty
121
Direct Auto
123
21st Century
125
The General
136
GAINSCO
138
Bristol West
151
State Auto
162
AssuranceAmerica
168
Infinity
175
Foremost
200
Hallmark
211
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 $232 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: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
State Farm
59
GEICO
65
Allstate
83
Mile Auto
98
USAA
105
Clearcover
129
Hugo
133
Mercury
138
Travelers
148
Nationwide
151
Progressive
159
Midvale Home & Auto
160
Safeco
160
Chubb
179
Elephant
191
21st Century
207
AssuranceAmerica
218
Liberty Mutual
237
Direct Auto
242
Dairyland
243
National General
247
Infinity
267
The General
274
Bristol West
285
State Auto
297
GAINSCO
298
Commonwealth Casualty
310
Foremost
401
Hallmark
418
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.
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 coveragesteps 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 coverageprotects against theft, fire, vandalism, tornadoes, hail, and falling objects, among other non-collision events.
Medical payments coverage
Medical payments coveragepays 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.
Shop for Car Insurance in Brownsville, TX
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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 $242 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: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
State Farm
75
46
GEICO
84
50
Allstate
106
64
USAA
135
82
Mile Auto
138
69
Clearcover
179
136
Hugo
186
69
Nationwide
196
109
Mercury
205
129
Progressive
212
120
Safeco
222
103
Chubb
234
141
Elephant
248
152
21st Century
277
167
AssuranceAmerica
298
230
National General
319
145
Direct Auto
320
163
Dairyland
323
128
Liberty Mutual
328
159
Infinity
355
233
The General
366
182
Bristol West
374
198
GAINSCO
374
173
Commonwealth Casualty
388
152
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 $258 per month. To start your search, consider the insurers in the table below.
The below rates are estimated rates current as of: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
State Farm
80
49
GEICO
90
54
Allstate
114
69
USAA
145
88
Mile Auto
148
74
Hugo
182
67
Clearcover
210
159
Nationwide
210
117
Mercury
216
136
Progressive
226
128
Safeco
238
110
Chubb
248
150
Elephant
265
163
21st Century
294
177
AssuranceAmerica
309
239
Dairyland
341
135
Direct Auto
343
174
National General
346
157
Infinity
347
228
Liberty Mutual
349
169
The General
389
193
Bristol West
393
208
GAINSCO
402
186
Commonwealth Casualty
430
168
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 $292 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: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote: Full Coverage
Average Monthly Quote: Liability Only
State Farm
96
59
GEICO
106
64
Allstate
135
82
Mile Auto
161
81
USAA
171
104
Hugo
203
75
Clearcover
211
160
Mercury
230
145
Nationwide
246
137
Progressive
260
147
Safeco
261
121
Chubb
292
176
Elephant
312
191
21st Century
338
204
AssuranceAmerica
356
274
Liberty Mutual
387
188
Direct Auto
395
201
Dairyland
397
157
National General
403
183
Infinity
436
286
The General
447
222
Commonwealth Casualty
454
177
Bristol West
465
246
GAINSCO
486
225
Foremost
655
326
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 $78 a month for liability insurance and $166 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: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
State Farm
26
43
GEICO
29
48
Mile Auto
35
70
Allstate
38
62
USAA
48
78
Nationwide
59
106
Safeco
59
127
Progressive
60
106
Mercury
66
105
Dairyland
72
183
Chubb
73
121
National General
84
186
Clearcover
86
113
Elephant
86
140
21st Century
88
145
Liberty Mutual
88
182
Commonwealth Casualty
89
229
Direct Auto
89
174
The General
103
207
GAINSCO
106
229
Bristol West
113
213
AssuranceAmerica
114
148
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 $186 a month for liability only and $397 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: Wednesday, May 1 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
GEICO
61
101
State Farm
61
100
Hugo
86
233
Allstate
87
144
Mile Auto
93
187
USAA
104
171
Safeco
130
281
Nationwide
142
255
Dairyland
153
388
Mercury
157
249
Progressive
159
280
Clearcover
172
226
Elephant
190
310
Liberty Mutual
191
393
Chubb
198
328
21st Century
206
341
Commonwealth Casualty
208
534
National General
209
462
The General
214
432
Direct Auto
221
436
GAINSCO
242
524
Bristol West
247
467
Infinity
289
441
AssuranceAmerica
320
415
Foremost
351
704
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.
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 $232 a month for full coverage and $109 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 $36 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 $119 a month for liability only and $251 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
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.