Compare the Cheapest Car Insurance Quotes in Brownsville, TX

The average car insurance cost in Brownsville is $1,390 per year, which is higher than Texas's state average. MoneyGeek found that Farmers is the cheapest widely available insurer in Brownsville after rating insurance companies based on coverage level and driver profile. MoneyGeek's ratings for Brownsville's best insurers can assist you if you're looking for affordable and high-quality coverage.

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Last Updated: 5/16/2022
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For drivers in Brownsville, Farmers is the cheapest insurance overall as well as the cheapest state minimum option, while State Farm has the cheapest policies for drivers with a speeding ticket. USAA may be an affordable option for drivers who are in the military; however, it’s GEICO that placed first in MoneyGeek’s best overall assessment of insurance companies in Brownsville, providing affordable policies and good customer service.

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The Cheapest and Best Car Insurance in Brownsville

The Cheapest Car Insurance Companies in Brownsville

If you’re looking for full coverage policies in Brownsville, the cheapest insurance companies are:

  • Farmers: $815 per year
  • State Farm: $907 per year

The General has the most expensive full coverage insurance in the city. The company charges approximately 192% more than the cheapest option, Farmers.

Full coverage policies are the priciest because they have comprehensive and collision insurance, in addition to minimum levels of liability insurance as required by state law.

Cheapest Car Insurance in Brownsville
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $815
  • 2.
    State Farm
    $907
  • 3.
    GEICO
    $944
  • 4.
    USAA
    $961
  • 5.
    AAA
    $1,176
  • 6.
    Allstate
    $1,185
  • 7.
    Esurance
    $1,390
  • 8.
    Nationwide
    $1,635
  • 9.
    Mercury
    $1,687
  • 10.
    MetLife
    $1,773
  • 11.
    The General
    $2,384

MoneyGeek’s methodology involved comparing full coverage insurance rates from multiple insurers in Brownsville for a 40-year-old male driver.

A full-coverage policy includes liability insurance as required by state law as well as comprehensive and collision insurance.

  • Comprehensive Insurance: This coverage pays for damage to your vehicle due to factors other than accidents such as weather events, fire or theft.
  • Collision Insurance: This pays for damage to your vehicle when it is involved in an accident. Collision insurance may cover repairs or the replacement cost of your car.

For vehicles that are leased or financed, a full coverage policy is typically required. For older cars, a state minimum policy or liability-only insurance may suffice.

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Cheapest Car Insurance in Brownsville for Minimum Coverage

Policies that meet the state minimum requirements are the cheapest insurance options in Brownsville. The top two companies in this respect are:

  • Farmers: $395 per year
  • State Farm: $483 per year

At $436, USAA offers the second most affordable option for drivers who currently serve or have served in the military.

At $1,158 per year, The General has the most expensive state minimum insurance. It’s $763 more than Farmers, which is the most affordable in the city.

Although state minimum policies keep your insurance premiums low, they don’t provide coverage comparable to comprehensive and collision insurance.

Drivers can choose higher liability limits, of course. The table below shows the relationship between higher liability insurance and your premiums.

Cheapest Minimum Liability Car Insurance in Brownsville
State Minimum

A state minimum policy in Texas of 30/60/25 is required for all drivers. The minimum liability limits may be too low to cover the costs related to an accident, and you may have to pay the amount owing from your own resources.

For example, suppose the other driver in an accident in which you’re at fault racks up $50,000 in medical expenses. Minimum liability insurance only covers $30,000 of that. You’ll be on the hook for the balance of $20,000.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Brownsville if You Have Driving Violations

If you have a poor driving history with speeding tickets, DUIs or at-fault accidents, expect your premiums to increase. The best cheap car insurance for bad drivers in Brownsville, based on the violation, are:

  • Cheapest after a ticket: State Farm, $907 per year
  • Cheapest after an at-fault accident: State Farm, $1,086 per year
  • Cheapest after a DUI: Farmers, $1,191 per year

It’ll take time, but you can reduce your premiums by improving your history. In the meantime, you might find cheaper insurance even with violations on your driving record by getting quotes from several different companies.

Cheapest Car Insurance in Brownsville With a Violation
Speeding Ticket

Average Cost of Car Insurance in Brownsville

Brownsville$1,390
Texas$1,316
U.S.$1,424

A Brownsville car insurance policy costs $1,390 annually on average. Insurance rates in the city of Brownsville are 5.6% higher than the average cost across Texas. But compared to nationwide rates, Brownsville drivers pay 2.4% less.

Personalized Quotes to Get You the Cheapest Car Insurance in Brownsville

To get the best car insurance coverage, drivers should compare personalized quotes from different companies. Several personal factors affect your insurance rates, including your age, location, driving record and vehicle type. Your personal information changes over time, so you should regularly get personalized quotes to see if you qualify for discounts or rebates.

Compare Car Insurance Rates in Brownsville

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Brownsville

MoneyGeek evaluated the best insurers in Brownsville based on a combination of affordability and customer service. The top two companies are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA scored 100 out of 100 and so came in first on our assessment. We did not include it on our list because car insurance can only be purchased from USAA by veterans, current military personnel and their families.

MoneyGeek used several factors, such as insurer financial stability, customer satisfaction and affordability, to rank the insurance companies in this study. We also used multiple resources, including findings by J. D. Power, a data analytics and consumer intelligence company.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Annual insurance rates vary from one ZIP code to another depending on the rate of accidents, car thefts and uninsured motorists. In Brownsville, the cheapest neighborhood for auto insurance is 78526, with an average annual premium of $1,379. Meanwhile, drivers in ZIP code 78521 pay an average of $1,407.

  • Zip Code
    State Minimumper year
  • 78526
    $1,379
  • 78520
    $1,383
  • 78521
    $1,407

Factors That Impact Insurance Costs in Brownsville

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Brownsville. How Brownsville ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities103rd/300
handcuffs2 icon
Most Car Thefts31st/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall186th/300
umbrella icon
Most Rainy Days208th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Brownsville are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.