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Best Cheap Auto Insurance in Brownsville, TX (2021)

Things to Remember

  • On average, Brownsville, TX auto insurance rates are $498/mo or $5,977/yr
  • The cheapest auto insurance company in Brownsville, TX, is State Farm
  • Various factors determine auto insurance, such as age and credit history

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.

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

Table of Contents

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.

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

  • State Farm – $2,941
  • USAA – $3,013
  • GEICO – $3,156
  • American Family – $4,435
  • Progressive – $4,864
  • Nationwide – $5,447
  • Allstate – $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.

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
  • $25,000 per incident for property damage

Texas is an at-fault state, which 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 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. If you’re a teen or young adult driver, you could pay even more for auto insurance.

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.

References:

  1. https://www.city-data.com/city/Brownsville-Texas.html
  2. https://ucr.fbi.gov/crime-in-the-u.s/2019/crime-in-the-u.s.-2019/tables/table-8/table-8-state-cuts/texas.xls

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