Compare Brownsville, TX Car Insurance Rates (2021)

The average annual car insurance rates in Brownsville, TX are around $4,208. The cheapest car insurance company in Brownsville, TX is State Farm, although rates will vary for each person. Brownsville, TX car insurance must meet the state minimum requirements with coverage levels of 30/60/25 for liability and property damage.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Sep 10, 2021

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Here’s What you Need to Know

  • The average annual car insurance rate for Brownsville, TX is $4,208
  • The cheapest car insurance company in Brownsville, TX is State Farm, and the second cheapest is State Farm
  • Consider choosing a company that sells car insurance that covers you while driving in Mexico
  • The average commute time for Brownsville is 18 minutes

Any driver worth their wheels knows at least a little bit about what goes into their coverage. If you’re a vehicle owner and driving is a part of your everyday life, you’ll want to know what is factored into what you pay, and whether or not you could be saving money.

In this case, we’re looking at Brownsville Texas. The car insurance rates here are, on average, about $1,600 higher than the state average. You can save on Brownsville, Texas car insurance by shopping around to find a better option, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Brownsville, TX for every age, credit history, and driving record.

What are the monthly Brownsville, TX car insurance rates by ZIP code?

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. A driver from a city that sees a lot of traffic and higher rates of crime may end up paying more, for example, because there’s more of a chance they’ll get into an accident. Find more info about the monthly Brownsville, TX auto insurance rates by ZIP Code below:

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What are the Brownsville, TX car insurance rates vs. the top US metro car insurance rates?

What city you reside in will impact your car insurance. Providers want to see what potential for loss you might be facing depending on where you live. If you’re in a highly populated area, collisions may occur more, which means more claims, which means divvying out more money per claim. That’s why it’s essential to compare Brownsville, TX against other top US metro areas’ auto insurance costs.

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Ready to find affordable car insurance in Brownsville, TX? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Brownsville, TX?

The cheapest car insurance company in Brownsville, TX based on average rates is State Farm. Don’t worry, there are plenty of options out there, there’s just always going to be a front runner.

The cheapest Brownsville, TX car insurance providers can be found below. You might also be wondering, “how do those Brownsville, TX rates compare against the average Texas car insurance company rates?” We uncover that too.

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What are the top insurance companies in Brownsville, TX?

The top car insurance companies in Brownsville, TX, ranked from cheapest to most expensive are:

  • State Farm — $2,941
  • USAA — $3,013
  • GEICO — $3,156
  • American Family — $4,435
  • Progressive — $4,864
  • Nationwide — $5,447
  • Allstate — $5,598

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on various personal factors. They can include what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose. You’ll be able to find a variety of policy service options for whatever bracket you fall under, it may just take some work on your end to compare and research.

Brownsville, Texas car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Does your coverage level matter?

Your coverage level will play a major role in your Brownsville, TX car insurance costs. Since there are coverage options, the less you have, the less you’ll pay. But that’s not always a great thing – the less you have, the more you’ll no doubt end up paying if you cause any accidental damage to another driver and their vehicle. Find the cheapest Brownsville, TX car insurance costs by coverage level below:

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Does your credit score play a part in what you pay?

Your credit score will play a major role in your Brownsville, Texas car insurance costs unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. However, Texas is not on that list, so your score will affect the cost of your coverage. Find the cheapest Brownsville, Texas car insurance costs by credit score below.

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What about your driving record?

Your driving record will affect your Brownsville, TX car insurance costs. For example, a Brownsville, Texas DUI may increase your average cost by around 40 to 50 percent. Find the cheapest Brownsville, Texas car insurance costs by driving record.

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What risks are factored into what you pay?

If you want lower costs, you’re going to have to look into what the smart options are available to you. That includes your driving habits, not just what sort of car you drive or how old you are. Controlling a lot of the risk factors that are associated with driving will ensure you have the cheapest Brownsville, Texas car insurance. Factors affecting car insurance rates in Brownsville, TX may include your commute, coverage level, tickets, DUIs, and credit.

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Does your age play any part in your policy options?

Age is a significant factor for Brownsville, TX car insurance rates. Young drivers are often considered high-risk. This Brownsville, Texas does use gender as a car insurance factor as well, so check out the average monthly auto insurance rates by age and gender in Brownsville, TX.

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What car insurance coverage is required in Brownsville, TX?

All Brownsville drivers have to meet the Texas state law minimum requirements to buy car insurance.

In Texas, you have to carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

It’s recommended that the average driver carry more than the state minimum. It may mean purchasing optional coverage, which isn’t something everyone can afford, but it may mean you’ll be safer on the road. Your auto policy shouldn’t leave you owing exorbitant leftover fees; by having more than the minimum you’ll end up paying less in the long run.

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What affects car insurance rates in Brownsville, TX?

Brownsville is the 11th largest city in Texas. Let’s take a look at how Brownsville car insurance rates compare to other cities in Texas.

Weslaco, TX — $5,453 (most expensive)
Brownsville, TX — $4,208
Grape Creek, TX — $3,158 (cheapest)

INRIX ranks Brownsville as the 234th-most congested city in the U.S. Brownsville isn’t surrounded by many other big Texas cities; however, it is close to the Texas and Mexico border.

It may be good to find out what car insurance is needed to drive your car in Mexico. Some of the companies that offer Mexico auto insurance are:

  • Allstate
  • GEICO
  • Progressive
  • Liberty Mutual

City-Data reports an average commute time for Brownsville is 18 minutes.

Car theft also affects rates. The FBI’s most recent annual statistics don’t report car thefts for Brownsville; however, a city with a similar population as Brownsville (Irving) reports 711 car thefts in a city population of 242,062. That’s a rate of 294 cars stolen per 100,000 population.

What is the bottom line regarding coverage in Brownsville, TX?

Brownsville has about the same rates as the state average when compared to other cities of its size in Texas, but you can still save by shopping around and comparing current policies that exist.

Before you buy car insurance in Brownsville, TX, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Brownsville, TX car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Brownsville, TX Car Insurance Rates by ZIP Code
Brownsville, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Brownsville, TX Car Insurance Rates by Company vs. City Average
Brownsville, TX Car Insurance Rates by Company and Age
The Cheapest Brownsville, TX Car Insurance Rates by Coverage Level
The Cheapest Brownsville, TX Car Insurance Rates by Credit Score
The Cheapest Brownsville, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Brownsville, TX
Average Monthly Car Insurance Rates by Age & Gender in Brownsville, TX
Monthly Brownsville, TX Car Insurance Rates by ZIP Code
Brownsville, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Brownsville, TX Car Insurance Rates by Company vs. City Average
Brownsville, TX Car Insurance Rates by Company and Age
The Cheapest Brownsville, TX Car Insurance Rates by Coverage Level
The Cheapest Brownsville, TX Car Insurance Rates by Credit Score
The Cheapest Brownsville, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Brownsville, TX
Average Monthly Car Insurance Rates by Age & Gender in Brownsville, TX