Cheapest and Best Car Insurance in Brownsville, TX (June 2024)

In Brownsville, Texas, Mercury offers the lowest rate for minimum coverage, while Texas Farm Bureau is the cheapest option for full coverage. State Farm is the most affordable choice for families with teens. Chubb is the best overall provider, notable for its top-notch customer service. Your ideal pick will depend on your personal preferences and coverage needs.

MoneyGeek found the cheapest options for minimum coverage car insurance in Brownsville. Here are the top two most affordable companies:

• Mercury: $460 per year
• State Farm: $470 per year

Dairyland has the most expensive minimum coverage policy in Brownsville, with an annual premium of $1,575. This stark contrast, a difference of $1,115 from the cheapest option, illustrates the importance of shopping around for car insurance to ensure you're not overpaying for your policy.

In Texas, from Brownsville to Amarillo, state law dictates the minimum car insurance coverage requirements. Here's what you need to know:

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

These figures represent the least amount your policy will cover. For instance, if you're at fault in an accident that injures one person, your minimum bodily injury liability would cover up to $30,000 for that person's claim. However, if the total claim amounts to $45,000, you would have to cover the remaining $15,000 out of pocket. It's essential to understand these limits to ensure that you're adequately protected.

MoneyGeek found that Texas Farm Bureau offers the cheapest full coverage car insurance in Brownsville.

• Texas Farm Bureau: $989 per year
• State Farm: $1,025 per year

Dairyland ranks as the most expensive option, with an annual premium of $3,287, which underscores the value of comparing car insurance rates. Full coverage policies typically cost more than minimum coverage due to the comprehensive and collision insurance included, which protects against a wider range of incidents.

The upgraded Brownsville full coverage insurance policy provided by MoneyGeek significantly raises the liability limits compared to basic plans, offering $100,000 for bodily injury per person, $300,000 for bodily injuries per incident and $100,000 for property damage per instance. Put simply, this enhanced policy is categorized as 100/300/100.

In addition to the expanded liability protection, full coverage insurance comes with both comprehensive and collision insurance:

• Collision Insurance: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

Opting for full coverage insurance is recommended for new automobile owners to protect their substantial investment. Conversely, for those with older vehicles, the added expense, which can amount to several hundred dollars, may exceed the benefits.

When deciding on the extent of car insurance required, it is essential to weigh the advantages of comprehensive protection against the elevated premiums it brings with the potential financial risks of insufficient coverage.

MoneyGeek found that the cheapest options for car insurance in Brownsville can vary significantly depending on the driving offense. While some providers may be consistently more affordable, others specialize in offering competitive rates for specific incidents:

• Speeding Ticket: Texas Farm Bureau ($989 per year)
• At-Fault Accident: State Farm ($1,252 per year)
• DUI: Progressive ($1,658 per year)

Conversely, Foremost and Chubb have the most expensive rates for these infractions. It is noteworthy that a speeding ticket could lead you to the most affordable annual premium of $989, whereas a DUI could increase the premium to $1,658, showcasing a difference of $669. This indicates the impact that the severity of driving offenses can have on car insurance rates.

Motorists in Brownsville and elsewhere can expect insurance rates to escalate in alignment with the severity of driving infractions on their records. For instance, in Brownsville, drivers with a speeding ticket see an average annual premium of approximately $2,950, while those with a DUI offense face an average of nearly $3,749. This stark contrast in rates underscores the importance for drivers with violations to meticulously compare insurance policies, as finding the most competitive rates can lead to substantial savings.

MoneyGeek found that State Farm offers the cheapest option in Brownsville for families seeking affordable full coverage car insurance for their teens.

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

These rates are based on a policy that includes coverage for two parents and their teen driver. In contrast, Allstate has the most expensive policy for teen family car insurance in Brownsville, with an annual rate of $6,488 for female teens.

In Brownsville, teen drivers face steep insurance premiums, with the average individual annual policy costing around $7,771, compared to $3,881 if they are included in a joint family plan. This difference is mainly due to insurance providers considering teens as high-risk drivers. Families can mitigate costs by pooling their risk on a shared policy.

MoneyGeek found the cheapest options in Brownsville for full coverage car insurance for those with military backgrounds.

• Texas Farm Bureau: $989 per year
• State Farm: $1,025 per year

While USAA is not the cheapest in Brownsville, with an annual premium of $1,249, it still provides competitive rates and exceptional service specifically catering to the needs of active-duty military members.

Scouring for the best car insurance rates in Brownsville can lead to significant savings, yet it demands a commitment of time — you might spend upwards of 15 minutes evaluating each provider. To streamline this process, you can use MoneyGeek’s car insurance calculator. Simply input details such as age, driving history, credit score and desired coverage level, among others, to receive instant rate estimations.

MoneyGeek has conducted thorough research to assess which car insurance providers in Brownsville are the best, using targeted scoring systems for each specified need:

• Best overall: Chubb (MoneyGeek score 86 out of 100)
• Best for service: Chubb (MoneyGeek score 92 out of 100)
• Best cheap: Chubb (MoneyGeek score 81 out of 100)

Chubb is Brownsville's premier auto insurance company, clinching the top spot across all three categories. It offers the best balance of service and affordability for overall value.

MoneyGeek found that Chubb is the best option in Brownsville for drivers seeking the best car insurance. Here are the top two providers with the standout MoneyGeek scores:

• Chubb: MoneyGeek score of 86 out of 100 ($2,092 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($1,025 per year)

Chubb excels with a high MoneyGeek score, prominently bolstered by its exceptional satisfaction and claims scores.

MoneyGeek found best options in Brownsville for exemplary car insurance customer service. This recognition is based on high general satisfaction, stellar claims handling and comprehensive coverage options, without taking rates into consideration.

• Chubb: MoneyGeek score of 92 out of 100 ($2,092 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,602 per year)

Chubb distinguishes itself as the leading provider, thanks to its seamless claims processing and broad coverage options.

MoneyGeek found the best options in Brownsville for affordable car insurance, combining low costs with high customer satisfaction and solid claims handling. Here are the top two providers in Brownsville according to their MoneyGeek scores:

• Chubb: MoneyGeek score of 81 out of 100 ($1,077 per year)
• Mercury: MoneyGeek score of 80 out of 100 ($460 per year)

Chubb stands out in Brownsville for its excellent balance of affordability and customer service.

The average car insurance cost in Brownsville, Texas, is $1,787 annually. This cost is $49 more than the average car insurance cost in Texas, which stands at $1,738. However, Texas's average premium is slightly above the national average car insurance cost, with the state average being $18 more at a national average of $1,720 annually.

Rates in urban areas tend to be higher due to increased risks associated with traffic congestion, theft and accidents. For instance, the city with the highest premium is Houston at $2,113, while the city with the lowest rate is Wichita Falls at $1,374, a considerable difference of $739.