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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The Cheapest and Best Car Insurance in Brownsville

The Cheapest Car Insurance Companies in Brownsville

In Brownsville, the most affordable companies for a full coverage car insurance policy are:

  • Farmers: $815 annually
  • State Farm: $907 annually

MoneyGeek's sample profile for this study is that of a 40-year-old male driver with a full coverage policy, including liability and comprehensive collision coverage.

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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.

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The Best Car Insurance Companies in Brownsville

MoneyGeek used a ranking system to help Brownsville drivers find the best insurance companies with a balance of affordability and excellent service. The two companies listed below are rated the best for most drivers:

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

USAA received the highest score in Brownsville by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

To calculate the final scores out of 100, MoneyGeek used various factors. These include J.D. Power's ratings for affordability, financial stability and user satisfaction.


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:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

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.

Shopping around for car insurance in Brownsville could save you $575, which is enough to buy:


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192Cups of Coffee
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44Months of Your Favorite Streaming Service

Cheapest Car Insurance in Brownsville by Coverage Amount

In Brownville and elsewhere, one of the most significant factors affecting car insurance costs is the amount of coverage. It costs an average of $699 yearly to purchase a policy meeting the state minimum and covering bodily injuries and property damages. A full coverage policy with higher liability limits costs $691 more, at an average of $1,390 yearly.

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.

There are different levels of car insurance coverage available in the city of Brownsville. To get the cheapest car insurance, a basic state minimum liability plan from Farmers costs an average of $395 per year. However, this only offers limited coverage. For additional coverage, there are options for 50/100/50 liability-only and full-coverage policies. This means the policyholder gets $50,000 for bodily injury per person, $100,000 for injuries per accident and $50,000 for property damage. In Brownsville, the average difference between Farmers’ 50/100/50 liability-only and full-coverage plans is $343 per year.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Brownsville if You Have Driving Violations

Your driving record plays a key factor in your car insurance rates. For instance, a speeding ticket or a DUI can significantly increase your premiums. A Brownsville driver with a clean record can secure annual insurance from Farmers for an average rate of $815, but a speeding ticket raises your rates by around $262, while a DUI could add roughly $376.

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
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Most Annual Rainfall186th/300
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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.

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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.