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Your driver profile and specific needs may affect which auto insurer is the cheapest for you. State Farm is the cheapest option for full coverage policies, teen drivers, those with violations and drivers with a military background. Allstate offers the cheapest minimum coverage policy while Chubb is the best option for good customer service.

MoneyGeek Logo IconCheapest + BestCar InsuranceBrownsville
2023

Cheapest and Best Car Insurance in Brownsville

Cheapest Minimum Liability Car Insurance in Brownsville

The cheapest car insurance companies for minimum coverage in Brownsville are:

  • Allstate: $335 per year
  • State Farm: $343 per year

Dairyland is the most expensive insurer for a minimum coverage policy at $978 per year.

Car insurance rates may vary based on location. Allstate is the most affordable option in Brownsville but State Farm offers the cheapest car insurance in Texas at $300 per year, $35 cheaper than Allstate’s rates in Brownsville for minimum coverage.

Company
Annual Premium
Monthly Premium

State Farm

$319

$27

Allstate

$335

$28

State Farm

$343

$29

Allstate

$343

$29

State Farm

$418

$35

Allstate

$420

$35

Mercury

$422

$35

Texas Farm Bureau

$456

$38

Mercury

$468

$39

Texas Farm Bureau

$528

$44

Mercury

$553

$46

AAA Texas

$579

$48

GEICO

$586

$49

AAA Texas

$598

$50

Progressive

$605

$50

Progressive

$614

$51

GEICO

$618

$51

State Farm

$633

$53

Nationwide

$664

$55

Chubb

$664

$55

GEICO

$672

$56

Texas Farm Bureau

$692

$58

Nationwide

$696

$58

State Farm

$703

$59

Progressive

$726

$60

Chubb

$730

$61

AAA Texas

$745

$62

Allstate

$778

$65

National General

$780

$65

National General

$805

$67

Texas Farm Bureau

$825

$69

Allstate

$884

$74

State Farm

$890

$74

Foremost

$901

$75

Dairyland

$930

$77

Nationwide

$948

$79

Dairyland

$978

$81

Texas Farm Bureau

$989

$82

National General

$991

$83

GEICO

$1,014

$85

GEICO

$1,016

$85

Mercury

$1,017

$85

Mercury

$1,056

$88

Foremost

$1,081

$90

Nationwide

$1,126

$94

AAA Texas

$1,142

$95

Dairyland

$1,150

$96

AAA Texas

$1,167

$97

Allstate

$1,183

$99

GEICO

$1,187

$99

Foremost

$1,248

$104

Texas Farm Bureau

$1,251

$104

Chubb

$1,281

$107

Progressive

$1,311

$109

Progressive

$1,357

$113

Chubb

$1,364

$114

Mercury

$1,372

$114

Nationwide

$1,409

$117

Dairyland

$1,475

$123

AAA Texas

$1,502

$125

Chubb

$1,588

$132

Dairyland

$1,648

$137

Progressive

$1,683

$140

Nationwide

$1,708

$142

National General

$1,802

$150

Foremost

$1,849

$154

National General

$1,969

$164

Dairyland

$1,995

$166

Foremost

$2,035

$170

National General

$2,289

$191

Chubb

$2,432

$203

Foremost

$2,483

$207

A minimum coverage policy in Texas only provides coverage for bodily injury liability and property damage liability as required by state law. The minimum coverage limits required in Texas are:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Liability coverage pays for damages that you cause to others or their property. A minimum coverage policy in Texas will cover injuries of $30,000 per person up to a maximum of $60,000 per accident. Damages to property will be covered up to a maximum of $25,000. Any costs above these limits will be paid for out of pocket.

Cheapest Full Coverage Car Insurance in Brownsville

The cheapest companies for full coverage car insurance in Brownsville are:

  • State Farm: $703 per year
  • Allstate: $884 per year

Foremost is the least affordable option for full coverage at $1,849 per year. State Farm also offers the cheapest full coverage car insurance in Texas at $703 per year.

Location is one of the factors that impact car insurance rates. An insurer’s rate may vary depending on a specific area’s traffic and population density.

Company
Annual Premium
Monthly Premium

State Farm

$319

$27

Allstate

$335

$28

State Farm

$343

$29

Allstate

$343

$29

State Farm

$418

$35

Allstate

$420

$35

Mercury

$422

$35

Texas Farm Bureau

$456

$38

Mercury

$468

$39

Texas Farm Bureau

$528

$44

Mercury

$553

$46

AAA Texas

$579

$48

GEICO

$586

$49

AAA Texas

$598

$50

Progressive

$605

$50

Progressive

$614

$51

GEICO

$618

$51

State Farm

$633

$53

Nationwide

$664

$55

Chubb

$664

$55

GEICO

$672

$56

Texas Farm Bureau

$692

$58

Nationwide

$696

$58

State Farm

$703

$59

Progressive

$726

$60

Chubb

$730

$61

AAA Texas

$745

$62

Allstate

$778

$65

National General

$780

$65

National General

$805

$67

Texas Farm Bureau

$825

$69

Allstate

$884

$74

State Farm

$890

$74

Foremost

$901

$75

Dairyland

$930

$77

Nationwide

$948

$79

Dairyland

$978

$81

Texas Farm Bureau

$989

$82

National General

$991

$83

GEICO

$1,014

$85

GEICO

$1,016

$85

Mercury

$1,017

$85

Mercury

$1,056

$88

Foremost

$1,081

$90

Nationwide

$1,126

$94

AAA Texas

$1,142

$95

Dairyland

$1,150

$96

AAA Texas

$1,167

$97

Allstate

$1,183

$99

GEICO

$1,187

$99

Foremost

$1,248

$104

Texas Farm Bureau

$1,251

$104

Chubb

$1,281

$107

Progressive

$1,311

$109

Progressive

$1,357

$113

Chubb

$1,364

$114

Mercury

$1,372

$114

Nationwide

$1,409

$117

Dairyland

$1,475

$123

AAA Texas

$1,502

$125

Chubb

$1,588

$132

Dairyland

$1,648

$137

Progressive

$1,683

$140

Nationwide

$1,708

$142

National General

$1,802

$150

Foremost

$1,849

$154

National General

$1,969

$164

Dairyland

$1,995

$166

Foremost

$2,035

$170

National General

$2,289

$191

Chubb

$2,432

$203

Foremost

$2,483

$207

Full coverage policies offer better protection since they add comprehensive and collision insurance to your policy.

  • Collision Insurance: Pays for damages to your vehicle caused by a collision or accident with an object or another vehicle.
  • Comprehensive Insurance: Pays for non-collision related damages to your vehicle, such as theft or vandalism.

A full coverage policy may not be worth it for drivers with older cars since the cost of the policy may exceed the actual value of the car.

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Cheapest Car Insurance in Brownsville After a Driving Offense

The following insurers offer the cheapest full coverage policies in Brownsville for drivers with traffic violations:

  • Speeding ticket: State Farm ($703 per year)
  • At-fault accident: State Farm ($861 per year)
  • DUI: State Farm ($1,242 per year)

The companies with the highest rates are Chubb at $3,110 per year for a DUI, Foremost at $4,489 for an at-fault accident and National General at $2,323 for a speeding ticket.

Your car insurance rates will increase significantly after a violation; even the cheapest rates for drivers with traffic violations will be more expensive than rates for drivers with a clean record.

Company
Annual Premium
Monthly Premium

State Farm

$319

$27

Allstate

$335

$28

State Farm

$343

$29

Allstate

$343

$29

State Farm

$411

$34

State Farm

$418

$35

Allstate

$420

$35

State Farm

$437

$36

Texas Farm Bureau

$456

$38

State Farm

$521

$43

Texas Farm Bureau

$528

$44

Allstate

$573

$48

Allstate

$588

$49

Mercury

$593

$49

Allstate

$611

$51

Mercury

$619

$52

Allstate

$627

$52

State Farm

$633

$53

State Farm

$638

$53

State Farm

$663

$55

GEICO

$665

$55

Progressive

$680

$57

Texas Farm Bureau

$692

$58

State Farm

$703

$59

GEICO

$703

$59

Chubb

$718

$60

Allstate

$719

$60

Progressive

$720

$60

Progressive

$730

$61

Mercury

$733

$61

Mercury

$733

$61

GEICO

$733

$61

State Farm

$748

$62

Mercury

$759

$63

Allstate

$767

$64

Progressive

$777

$65

AAA Texas

$778

$65

Allstate

$778

$65

State Farm

$787

$66

Chubb

$788

$66

Nationwide

$791

$66

GEICO

$800

$67

Mercury

$802

$67

AAA Texas

$803

$67

Progressive

$813

$68

Nationwide

$824

$69

Texas Farm Bureau

$825

$69

Texas Farm Bureau

$832

$69

State Farm

$861

$72

Progressive

$865

$72

AAA Texas

$874

$73

GEICO

$876

$73

Allstate

$884

$74

National General

$886

$74

Texas Farm Bureau

$887

$74

State Farm

$890

$74

GEICO

$891

$74

Mercury

$899

$75

National General

$899

$75

AAA Texas

$903

$75

National General

$914

$76

AAA Texas

$917

$76

National General

$935

$78

Dairyland

$937

$78

AAA Texas

$948

$79

Dairyland

$985

$82

Progressive

$986

$82

Texas Farm Bureau

$989

$82

Chubb

$993

$83

AAA Texas

$1,003

$84

Foremost

$1,013

$84

GEICO

$1,040

$87

GEICO

$1,040

$87

State Farm

$1,067

$89

Progressive

$1,068

$89

Foremost

$1,070

$89

Mercury

$1,071

$89

Nationwide

$1,086

$91

Chubb

$1,090

$91

National General

$1,124

$94

Nationwide

$1,124

$94

National General

$1,125

$94

AAA Texas

$1,127

$94

Progressive

$1,137

$95

GEICO

$1,144

$95

Dairyland

$1,159

$97

Texas Farm Bureau

$1,167

$97

State Farm

$1,168

$97

Nationwide

$1,169

$97

Mercury

$1,176

$98

GEICO

$1,180

$98

Texas Farm Bureau

$1,180

$98

Allstate

$1,183

$99

AAA Texas

$1,183

$99

GEICO

$1,199

$100

National General

$1,224

$102

Foremost

$1,225

$102

Allstate

$1,230

$102

State Farm

$1,242

$104

Texas Farm Bureau

$1,251

$104

Dairyland

$1,264

$105

National General

$1,280

$107

Allstate

$1,285

$107

Chubb

$1,299

$108

Foremost

$1,307

$109

GEICO

$1,323

$110

Dairyland

$1,329

$111

Allstate

$1,361

$113

Foremost

$1,364

$114

Texas Farm Bureau

$1,368

$114

Mercury

$1,370

$114

Chubb

$1,385

$115

Dairyland

$1,395

$116

Nationwide

$1,403

$117

Nationwide

$1,411

$118

Allstate

$1,412

$118

Foremost

$1,421

$118

Texas Farm Bureau

$1,421

$118

GEICO

$1,423

$119

Chubb

$1,427

$119

Dairyland

$1,434

$120

State Farm

$1,448

$121

Nationwide

$1,448

$121

National General

$1,467

$122

Mercury

$1,474

$123

Chubb

$1,474

$123

AAA Texas

$1,481

$123

Dairyland

$1,483

$124

GEICO

$1,491

$124

Dairyland

$1,503

$125

AAA Texas

$1,507

$126

Nationwide

$1,532

$128

Progressive

$1,542

$128

Mercury

$1,542

$128

Progressive

$1,562

$130

GEICO

$1,600

$133

Texas Farm Bureau

$1,600

$133

AAA Texas

$1,637

$136

Dairyland

$1,647

$137

Dairyland

$1,656

$138

Nationwide

$1,658

$138

AAA Texas

$1,661

$138

Progressive

$1,664

$139

Progressive

$1,689

$141

Nationwide

$1,690

$141

AAA Texas

$1,704

$142

Chubb

$1,716

$143

Mercury

$1,719

$143

AAA Texas

$1,728

$144

Mercury

$1,741

$145

GEICO

$1,819

$152

Texas Farm Bureau

$1,821

$152

Allstate

$1,825

$152

Mercury

$1,848

$154

Texas Farm Bureau

$1,874

$156

GEICO

$1,876

$156

Progressive

$1,884

$157

Allstate

$1,897

$158

Chubb

$1,916

$160

GEICO

$1,931

$161

AAA Texas

$1,947

$162

Nationwide

$1,960

$163

Nationwide

$1,986

$166

Dairyland

$2,005

$167

Progressive

$2,007

$167

Texas Farm Bureau

$2,034

$170

Chubb

$2,038

$170

Dairyland

$2,042

$170

Mercury

$2,046

$170

Dairyland

$2,070

$172

Foremost

$2,098

$175

National General

$2,113

$176

Nationwide

$2,146

$179

AAA Texas

$2,149

$179

Progressive

$2,187

$182

National General

$2,215

$185

Foremost

$2,221

$185

Texas Farm Bureau

$2,223

$185

AAA Texas

$2,239

$187

Dairyland

$2,270

$189

Progressive

$2,272

$189

Dairyland

$2,299

$192

National General

$2,323

$194

Foremost

$2,327

$194

Chubb

$2,375

$198

National General

$2,383

$199

Foremost

$2,390

$199

Dairyland

$2,436

$203

Mercury

$2,451

$204

Foremost

$2,484

$207

Nationwide

$2,485

$207

Mercury

$2,504

$209

Chubb

$2,509

$209

Dairyland

$2,530

$211

Progressive

$2,568

$214

National General

$2,602

$217

Chubb

$2,628

$219

Nationwide

$2,645

$220

Chubb

$2,670

$222

Foremost

$2,740

$228

Nationwide

$2,752

$229

National General

$2,819

$235

Foremost

$2,837

$236

Foremost

$2,861

$238

Texas Farm Bureau

$2,885

$240

National General

$2,945

$245

Foremost

$3,042

$254

Chubb

$3,110

$259

National General

$3,173

$264

Nationwide

$3,301

$275

National General

$3,308

$276

Chubb

$3,636

$303

Foremost

$4,489

$374

Chubb

$4,764

$397

Foremost

$5,299

$442

Foremost

$5,364

$447

In most cases, car insurance rates tend to be higher for more severe traffic violations. This means the cheapest car insurance with a bad driving record will vary depending on your violation. In Brownsville, drivers with a speeding ticket will pay an average of $245 less per year for car insurance than drivers with a DUI offense.

Cheapest Car Insurance in Brownsville for Teens and Their Families

The cheapest car insurance companies in Brownsville for a 16-year-old teen on a family policy are:

  • State Farm: $1,771 per year for female teens and $2,142 for male teens
  • Nationwide: $2,157 per year for female teens and $2,459 for male teens

Allstate is the most expensive company at $6,488 per year for female teens and $7,635 for male teens. In Brownsville, male teens pay $371 more than female teens with the cheapest provider, State Farm. This is because insurers consider males riskier than females to insure, that is, until early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$630

$2,973

State Farm

$733

$3,464

State Farm

$752

$4,043

State Farm

$790

$3,731

State Farm

$1,052

$3,571

State Farm

$1,152

$4,281

State Farm

$1,181

$4,010

State Farm

$1,248

$4,947

State Farm

$1,300

$4,411

State Farm

$1,383

$5,905

State Farm

$1,407

$5,229

Nationwide

$1,415

$3,272

Nationwide

$1,432

$3,521

State Farm

$1,444

$5,445

Nationwide

$1,495

$4,393

Nationwide

$1,585

$5,044

State Farm

$1,590

$6,704

Nationwide

$1,593

$3,683

Nationwide

$1,616

$4,112

Allstate

$1,646

$2,144

Nationwide

$1,679

$3,883

Nationwide

$1,692

$4,161

Nationwide

$1,708

$4,706

State Farm

$1,719

$7,463

State Farm

$1,731

$6,526

GEICO

$1,751

$3,305

State Farm

$1,767

$7,451

GEICO

$1,769

$3,988

State Farm

$1,771

$8,250

Allstate

$1,773

$2,210

GEICO

$1,773

$3,184

GEICO

$1,794

$3,386

Nationwide

$1,794

$4,413

GEICO

$1,798

$3,229

GEICO

$1,810

$3,985

GEICO

$1,837

$3,639

GEICO

$1,873

$3,535

GEICO

$1,876

$3,651

GEICO

$1,897

$3,406

State Farm

$1,924

$8,381

Progressive

$1,938

$3,027

Allstate

$1,996

$2,601

Nationwide

$2,009

$7,158

Progressive

$2,015

$4,959

Progressive

$2,017

$2,993

Allstate

$2,029

$3,052

Nationwide

$2,051

$8,415

GEICO

$2,078

$5,341

GEICO

$2,096

$4,725

Nationwide

$2,097

$6,159

Allstate

$2,129

$2,773

State Farm

$2,135

$9,302

State Farm

$2,142

$10,313

Nationwide

$2,157

$9,099

GEICO

$2,157

$5,439

Progressive

$2,190

$5,368

GEICO

$2,191

$4,823

Nationwide

$2,203

$9,041

GEICO

$2,255

$6,390

Nationwide

$2,274

$9,156

Progressive

$2,300

$3,413

Allstate

$2,328

$2,903

Nationwide

$2,337

$10,651

Progressive

$2,347

$3,666

GEICO

$2,349

$6,570

Nationwide

$2,360

$7,515

Allstate

$2,379

$3,552

Allstate

$2,405

$3,462

Progressive

$2,408

$6,731

Progressive

$2,427

$4,297

Nationwide

$2,459

$11,522

Progressive

$2,464

$4,646

Progressive

$2,476

$6,094

Progressive

$2,498

$3,708

Nationwide

$2,512

$11,450

GEICO

$2,514

$7,124

Allstate

$2,565

$3,199

GEICO

$2,582

$8,443

Progressive

$2,597

$4,056

GEICO

$2,660

$7,439

Progressive

$2,727

$7,683

GEICO

$2,733

$8,924

Foremost

$2,808

$4,679

Allstate

$2,811

$4,045

Progressive

$2,856

$7,000

Foremost

$2,886

$4,026

Foremost

$3,025

$4,220

Foremost

$3,038

$4,429

Progressive

$3,060

$13,815

Foremost

$3,065

$4,276

Foremost

$3,101

$5,327

Foremost

$3,134

$4,226

Allstate

$3,197

$5,605

Allstate

$3,293

$4,741

Foremost

$3,369

$4,543

Progressive

$3,406

$15,505

Progressive

$3,419

$16,104

Foremost

$3,432

$5,008

Foremost

$3,513

$4,737

Progressive

$3,631

$16,394

Foremost

$3,705

$12,493

Progressive

$3,761

$17,776

Allstate

$3,771

$6,636

Foremost

$3,810

$12,660

Foremost

$3,862

$13,022

Allstate

$3,891

$5,600

Progressive

$3,974

$18,093

Foremost

$4,009

$13,320

Foremost

$4,109

$8,136

Foremost

$4,150

$8,242

Foremost

$4,372

$18,715

Foremost

$4,549

$7,813

Foremost

$4,554

$19,417

Foremost

$4,638

$7,731

Allstate

$4,893

$6,756

Allstate

$5,753

$7,957

Allstate

$5,991

$8,271

Allstate

$6,488

$11,843

Allstate

$7,044

$9,743

Allstate

$7,635

$13,981

Teens who purchase an individual car insurance policy pay much higher rates than those added to a family policy. Purchasing an individual policy in Brownsville costs $10,313 per year for a 16-year-old male teen, which is $8,171 more than the cost of being added to a family policy with the cheapest provider.

Cheapest Car Insurance in Brownsville for Military Drivers

The following insurers offer the cheapest full coverage policies in Brownsville to drivers with a military background:

  • State Farm: $703 per year
  • Allstate: $884 per year

USAA is not among the cheapest providers, at $1,034 per year for a full coverage policy, but its services are tailored to drivers with a military background.

For minimum coverage, Allstate ranks first for cheap military car insurance at $335 per year, followed by State Farm at $343 per year. These two providers offer the most affordable rates for both minimum and full coverage policies.

Company
Annual Premium
Monthly Premium

State Farm

$319

$27

Allstate

$335

$28

State Farm

$343

$29

Allstate

$343

$29

State Farm

$418

$35

Allstate

$420

$35

Mercury

$422

$35

USAA

$436

$36

Texas Farm Bureau

$456

$38

Mercury

$468

$39

USAA

$468

$39

USAA

$524

$44

Texas Farm Bureau

$528

$44

Mercury

$553

$46

AAA Texas

$579

$48

GEICO

$586

$49

AAA Texas

$598

$50

Progressive

$605

$50

Progressive

$614

$51

GEICO

$618

$51

State Farm

$633

$53

Nationwide

$664

$55

Chubb

$664

$55

GEICO

$672

$56

Texas Farm Bureau

$692

$58

Nationwide

$696

$58

State Farm

$703

$59

Progressive

$726

$60

Chubb

$730

$61

AAA Texas

$745

$62

Allstate

$778

$65

National General

$780

$65

National General

$805

$67

Texas Farm Bureau

$825

$69

Allstate

$884

$74

State Farm

$890

$74

Foremost

$901

$75

Dairyland

$930

$77

Nationwide

$948

$79

Dairyland

$978

$81

Texas Farm Bureau

$989

$82

National General

$991

$83

USAA

$1,012

$84

GEICO

$1,014

$85

GEICO

$1,016

$85

Mercury

$1,017

$85

USAA

$1,034

$86

Mercury

$1,056

$88

Foremost

$1,081

$90

Nationwide

$1,126

$94

AAA Texas

$1,142

$95

Dairyland

$1,150

$96

AAA Texas

$1,167

$97

Allstate

$1,183

$99

GEICO

$1,187

$99

Foremost

$1,248

$104

Texas Farm Bureau

$1,251

$104

USAA

$1,268

$106

Chubb

$1,281

$107

Progressive

$1,311

$109

Progressive

$1,357

$113

Chubb

$1,364

$114

Mercury

$1,372

$114

Nationwide

$1,409

$117

Dairyland

$1,475

$123

AAA Texas

$1,502

$125

Chubb

$1,588

$132

Dairyland

$1,648

$137

Progressive

$1,683

$140

Nationwide

$1,708

$142

National General

$1,802

$150

Foremost

$1,849

$154

National General

$1,969

$164

Dairyland

$1,995

$166

Foremost

$2,035

$170

National General

$2,289

$191

Chubb

$2,432

$203

Foremost

$2,483

$207

How to Compare Cheap Brownsville Car Insurance Quotes Online

Car insurance quotes are typically offered online, but it can take up to 15 minutes to input the personal information required to receive a quote. When comparing rates from multiple insurers, this time adds up. MoneyGeek’s car insurance calculator quickly approximates your rate using only basic information, like your age, coverage level, driving history and vehicle.

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Best Car Insurance in Brownsville: Summary

The best provider for you will depend on how much you value cost, service coverage and other factors. The following insurers are the best providers in Brownsville, TX for different categories:

  • Best overall: State Farm (MoneyGeek score of 76 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: State Farm (MoneyGeek score of 78 out of 100)

An insurer’s total score may vary across categories, like State Farm’s, based on how factors (customer service, affordability, coverage options, etc.) were weighted in that category.

Texas Farm Bureau is the best auto insurance company in Texas, with a MoneyGeek score of 79 out of 100. This shows how your location can impact the best car insurer for you. USAA is an excellent option for military drivers, receiving a high MoneyGeek score of 76 out of 100.

Best Overall Car Insurance in Brownsville

The best car insurance companies in Brownville, TX are:

  • State Farm: MoneyGeek score of 76 out of 100 ($703 per year)
  • Texas Farm Bureau Group: MoneyGeek score of 73 out of 100 ($989 per year)

State Farm ranked first for affordability and received an above average customer satisfaction score. With State Farm, policyholders don’t have to compromise on customer service for cost, since it offers a good balance of both. USAA is among the best insurers in Brownsville for drivers with a military background, earning a high MoneyGeek score of 76 out of 100.

How was this MoneyGeek score calculated?

State Farm

pros

Has the cheapest rates

Has a high customer satisfaction score

Offers roadside assistance coverage

cons

Has a low claims management rating

Doesn’t offer accident forgiveness

COMPANY HIGHLIGHTS

Among the providers in our study, State Farm offers the most affordable policies. Although this provider has an above average rating for customer service, it falls short in terms of coverage options.

State Farm only offers essential coverages, one of which is roadside assistance. With this coverage, your policy will pay for emergency services such as mechanical labor, towing and gas deliveries if your car breaks down. This coverage is limited to the services themselves and does not include the cost of items that may be required to fix your vehicle.

Policyholders can also get rental car and/or travel reimbursement coverage. If a covered incident renders your car inoperable, rental car reimbursement coverage will cover any travel expenses incurred while your vehicle is undergoing repairs.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in Brownsville for Customer Service

Without considering cost, the following insurers provide the best car customer service in Brownsville:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,588 per year)
  • Foremost: MoneyGeek score of 67 out of 100 ($1,849 per year)

Chubb ranked first for claims experience and second for customer satisfaction. However, the insurer’s full coverage policy is among the more expensive options, meaning, policyholders will pay for quality customer service.

How was this MoneyGeek score calculated?

Chubb

pros

Has the highest claims management rating

Has the second-highest customer satisfaction rating

Offers Original Equipment Manufacturer (OEM) coverage

cons

Doesn’t offer roadside assistance coverage

COMPANY HIGHLIGHTS

Chubb is the best car insurance company for drivers who prioritize customer service above cost. This insurer received high scores for claims management, indicating it has a stellar track record of approving claims, and customers satisfaction.

For drivers who want to ensure that their car gets the best repairs after a covered loss, Chubb offers optional Original Equipment Manufacturer (OEM) coverage. This coverage ensures that any damaged parts in your vehicle are only replaced with original manufacturer parts.

Chubb also offers diminished value coverage which can save you thousands of dollars in case of an accident or covered loss. With this coverage, the insurer will reimburse you for the agreed-upon value of your car determined when you purchased the policy. Chubb also offers essential coverages like rental car and/or travel reimbursement coverage to pay for travel expenses incurred while your car is in the shop for repairs.

Best Cheap Car Insurance Companies in Brownsville

The following insurers are the best in Brownsville for minimum coverage policies that include the Texas-mandated liability limits:

  • State Farm: MoneyGeek score of 78 out of 100 ($343 per year)
  • Allstate: MoneyGeek score of 75 out of 100 ($335 per year)

The cheapest minimum coverage policies in Brownsville have the cheapest rates, but you get limited liability protection and your car is not covered for damages.

How was this MoneyGeek score calculated?

State Farm

pros

An affordable minimum coverage policy costs $343 per year

Offers multiple car, new vehicle and vehicle equipment discounts

Has a high customer satisfaction rating

cons

Has a below average claims rating

COMPANY HIGHLIGHTS

State Farm is the best provider for Brownsville drivers who want affordable rates without compromising on good service.

Take advantage of State Farm’s discounts to make your affordable policy even cheaper. Some commonly offered discounts include multiple car discounts for insuring more than one car, bundling discounts for purchasing a home or renters insurance policy and good student discounts for students who maintain a good academic record. You may also qualify for a discount if you complete a defensive driving course.

State Farm also has rare discounts, such as its daytime running lights discount, which you qualify for if your vehicle has factory-installed daytime running lights. Drivers with anti-lock brakes or an anti-theft system installed in their vehicle may also qualify for a discount.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in Brownsville

The average cost of car insurance in Brownsville is $1,276 per year for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 property damage liability per accident.

Compared to the average car insurance rate in Texas, rates in Brownsville are $75 more. Rates in the city are also marginally higher by $11 than the average national car insurance rate of $1,265 per year.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.