Compare Edinburg, TX Car Insurance Rates (2021)

Car insurance in Edinburg, TX averages $382 a month. Edinburg, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Edinburg car insurance rates, compare quotes from the top car insurance companies in Edinburg, TX.

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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® Joel Ohman

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Edinburg is State Farm
  • Average car insurance rates in Edinburg, TX after a DUI are $5,234/year
  • The cheapest ZIP code in Edinburg is 78542

If you need to buy Edinburg, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Edinburg, TX is right here.

You’ll find Edinburg car insurance rates, the cheapest Edinburg, TX car insurance companies, and information on Texas car insurance laws. You can also compare Edinburg, Texas car insurance rates to Corpus Christi car insurance rates, El Paso car insurance rates, and Houston car insurance rates.

Ready to find affordable Edinburg, TX car insurance today? Enter your ZIP code for fast, free Edinburg car insurance quotes.

Cheapest Edinburg, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Edinburg, TX car insurance rates? Every Edinburg, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Edinburg, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,097 $4,156 $4,051 $4,051 $10,221 $12,405 $5,057 $5,302
American Family $2,977 $3,329 $2,785 $3,208 $8,004 $10,399 $4,307 $4,892
GEICO $2,815 $3,077 $2,804 $3,286 $6,076 $6,124 $3,017 $2,892
Nationwide $3,615 $3,687 $3,181 $3,388 $10,001 $12,950 $4,224 $4,594
Progressive $2,885 $2,733 $2,541 $2,606 $11,425 $12,701 $3,386 $3,394
State Farm $2,152 $2,152 $1,911 $1,911 $5,099 $6,477 $2,336 $2,396
USAA $2,052 $2,085 $1,968 $1,984 $5,562 $6,095 $2,755 $2,987

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Minimum Car Insurance in Edinburg, TX

Every driver must carry the minimum car insurance in Edinburg, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Edinburg, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Edinburg, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Edinburg, TX. Compare credit history car insurance rates in Edinburg from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Edinburg, Texas

Insurance Company Poor Fair Good
Allstate $7,880 $5,731 $4,892
American Family $6,797 $4,364 $3,802
GEICO $5,823 $3,282 $2,178
Nationwide $6,899 $5,471 $4,746
Progressive $5,920 $5,051 $4,656
State Farm $4,329 $2,691 $2,143
USAA $4,666 $2,708 $2,184

Cheapest Edinburg, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Edinburg, TX to rates for a clean record with top companies.

Annual Edinburg, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,898 $7,316 $7,558 $4,898
American Family $4,549 $5,778 $5,074 $4,549
GEICO $3,185 $4,207 $3,509 $4,145
Nationwide $4,924 $4,924 $7,384 $5,588
Progressive $4,539 $5,845 $5,326 $5,125
State Farm $2,716 $3,112 $3,674 $2,716
USAA $2,379 $3,515 $4,114 $2,735

Cheapest Edinburg, TX Car Insurance for Teen Drivers

Teen car insurance in Edinburg, TX can be expensive. Take a look at rates from the top car insurance companies in Edinburg for teenagers.

Annual Car Insurance Rates for Teen Drivers in Edinburg, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,221 $12,405
American Family $8,004 $10,399
GEICO $6,076 $6,124
Nationwide $10,001 $12,950
Progressive $11,425 $12,701
State Farm $5,099 $6,477
USAA $5,562 $6,095

Cheapest Edinburg, TX Car Insurance for Seniors

Take a look at Edinburg, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Edinburg, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,051 $4,051
American Family $2,785 $3,208
GEICO $2,804 $3,286
Nationwide $3,181 $3,388
Progressive $2,541 $2,606
State Farm $1,911 $1,911
USAA $1,968 $1,984

Cheapest Edinburg, TX Car Insurance Rates After a DUI

A DUI in Edinburg, TX increases car insurance rates. Compare Edinburg, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Edinburg, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,558
American Family $5,074
GEICO $3,509
Nationwide $7,384
Progressive $5,326
State Farm $3,674
USAA $4,114

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Cheapest Edinburg, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Edinburg, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Edinburg, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,023 $6,312
American Family $4,988 $4,988
GEICO $3,682 $3,840
Nationwide $5,705 $5,705
Progressive $5,209 $5,209
State Farm $3,054 $3,054
USAA $3,144 $3,228

Cheapest Edinburg, TX Car Insurance Rates by ZIP Code

Edinburg car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Edinburg, TX.

Annual Car Insurance Rates by ZIP Code in Edinburg, Texas

ZIP Code Average Annual Rates
78539 $6,715
78541 $6,874
78542 $6,697

The Best Cheap Car Insurance Companies in Edinburg, TX

Take a look at a side-by-side comparison of the top car insurance companies in Edinburg, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Edinburg, Texas

Insurance Company Average Annual Rates
Allstate $6,168
American Family $4,988
GEICO $3,761
Nationwide $5,705
Progressive $5,209
State Farm $3,054
USAA $3,186

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Category Winners: Cheapest Car Insurance in Edinburg, Texas

Find the cheapest car insurance companies in Edinburg, TX for each category right here.

Best Annual Car Insurance Rates by Company in Edinburg, Texas

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation State Farm

Cheapest Edinburg, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Edinburg car insurance rates. Find the cheapest Edinburg, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Edinburg, Texas

Insurance Company Low Medium High
Allstate $6,017 $6,111 $6,375
American Family $4,566 $4,753 $5,644
GEICO $3,420 $3,655 $4,210
Nationwide $6,048 $5,446 $5,621
Progressive $4,843 $5,173 $5,610
State Farm $2,853 $3,030 $3,280
USAA $3,048 $3,166 $3,344

What affects car insurance rates in Edinburg, Texas?

What factors can have an impact on Edinburg, TX car insurance? There are several reasons why Edinburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Edinburg, Texas.

Car Theft in Edinburg

High levels of vehicle theft can make car insurance more expensive. Edinburg, TX car theft statistics from the FBI indicate 74 vehicle thefts a year.

Commute Time in Edinburg

The more time you spend in your car the higher the risk of an accident. The average commute length in Edinburg, TX is 19.4 minutes according to City-Data.

Traffic in Edinburg

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Edinburg, TX traffic data from INRIX ranks Edinburg as the 112th-most congested in the world.

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Compare Car Insurance Quotes in Edinburg, TX

Ready to find affordable Edinburg, Texas car insurance today? Enter your ZIP code for fast, free Edinburg, TX car insurance quotes.

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