bestauto insuranceBrownsvilleCompare the Cheapest Car Insurance Quotes in Brownsville, TX
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For drivers in Brownsville, Farmers is the cheapest insurance overall as well as the cheapest state minimum option, whereas 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 State Farm that placed first in MoneyGeek’s best overall assessment of insurance companies in Brownsville, providing affordable policies and good customer service.
bestauto insuranceBrownsvilleThe Cheapest and Best Car Insurance in Brownsville
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - State Farm
Best Overall - State Farm
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
- Company100/300/100per year
- 1.$815
- 2.$907
- 3.$944
- 4.$961
- 5.$1,176
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.
Compare Car Insurance Rates in Brownsville
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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
- CompanyState Minimumper year
- 1.$395
- 2.$436
- 3.$483
- 4.$512
- 5.$555
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
- ItemDescription
- 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
- CompanySpeeding Ticketper year
- 1.$907
- 2.$1,077
- 3.$1,081
- 4.$1,106
- 5.$1,185
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 with 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.
The Best Car Insurance Companies in Brownsville
MoneyGeek ranked the best car insurance companies in Brownsville after analyzing their average rates, claims ratings and user satisfaction scores. We found that the following providers offer the best policies:
- State Farm: MoneyGeek score of 94 out of 100
- Farmers: MoneyGeek score of 93 out of 100
USAA’s policies are limited to military families. Thus, the company wasn’t included in MoneyGeek’s ranking. However, the insurer received a score of 91 out of 100, making it the third-best company in Texas for military members and their families.
1
State Farm
Score:94
State Farm’s full coverage auto insurance costs an average of $907 per year. The company came second for claims, customer satisfaction and affordability. It offers rideshare insurance to policyholders.
More About State Farm
State Farm’s rideshare insurance benefits drivers working for ridesharing companies like Uber or Lyft. While waiting to be matched with a rider, coverages included in the driver’s personal auto policy like medical, emergency roadside assistance and rental car reimbursement, as well as their personal policy deductive, are in effect. Once they’ve started the ride, all coverages, except liability insurance, remain.
Besides this coverage, the company also offers roadside assistance and rental car and/or travel reimbursement to policyholders.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:93
Full coverage car insurance policies with Farmers cost an average of $815 per year. The company ranks the highest for affordability and has the second-highest scores for satisfaction and claims. Policies include one unique coverage option — custom parts coverage.
More About Farmers
Farmers offers many coverages with its policies, including unique coverages like custom parts, original equipment manufacturer (OEM) and glass deductible modification as well as common coverages like new car replacement, accident forgiveness, roadside assistance and so on.
The insurance company pays for replacing aftermarket equipment like infotainment systems and custom wheels with custom parts coverage. If you have collision or comprehensive insurance, you can add this coverage to your policy. The OEM coverage helps you replace damaged parts of your car with factory-original parts.
Read MoneyGeek's Farmers auto Insurance Review3
GEICO
Score:88
4
Allstate
Score:78
5
AAA
Score:78
6
Nationwide
Score:58
7
Mercury
Score:51
8
Esurance
Score:48
9
MetLife
Score:33
10
The General
Score:13
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 CodeState 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.
About Mark Fitzpatrick
