Cheapest and Best Car Insurance in Brownsville, TX (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.