Compare Pharr, TX Car Insurance Rates (2021)

Car insurance in Pharr, TX averages $378 a month. Pharr, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Pharr car insurance rates, compare quotes from the top car insurance companies in Pharr, TX.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Pharr, TX after a DUI are $5,187/year
  • Average car insurance rates in Pharr, TX are $4,535/year
  • The cheapest car insurance company in Pharr for teen drivers is USAA

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

You’ll find Pharr car insurance rates, the cheapest Pharr, TX car insurance companies, and information on Texas car insurance laws. You can also compare Pharr, Texas car insurance rates to Plano car insurance rates, Corpus Christi car insurance rates, and Austin car insurance rates.

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

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

How do age, gender, and marital status affect Pharr, TX car insurance rates? Every Pharr, 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 Pharr, 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 $3,975 $4,027 $3,927 $3,927 $10,167 $12,332 $4,923 $5,156
American Family $3,104 $3,461 $2,859 $3,286 $8,053 $10,463 $4,438 $5,032
GEICO $2,732 $2,983 $2,724 $3,184 $5,823 $5,890 $2,923 $2,805
Nationwide $3,651 $3,726 $3,211 $3,422 $10,109 $13,104 $4,268 $4,645
Progressive $2,971 $2,836 $2,598 $2,673 $11,352 $12,625 $3,498 $3,528
State Farm $2,148 $2,148 $1,908 $1,908 $5,086 $6,460 $2,332 $2,391
USAA $1,863 $1,889 $1,787 $1,797 $5,071 $5,546 $2,495 $2,698

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Minimum Car Insurance in Pharr, TX

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

Minimum Required Car Insurance Coverage in Pharr, 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 Pharr, TX Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Pharr, Texas

Insurance Company Poor Fair Good
Allstate $7,718 $5,632 $4,813
American Family $6,964 $4,439 $3,857
GEICO $5,620 $3,171 $2,107
Nationwide $6,973 $5,529 $4,799
Progressive $6,010 $5,091 $4,679
State Farm $4,319 $2,685 $2,138
USAA $4,230 $2,461 $1,987

Cheapest Pharr, 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 Pharr, TX to rates for a clean record with top companies.

Annual Pharr, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,766 $7,210 $7,476 $4,766
American Family $4,646 $5,884 $5,171 $4,646
GEICO $3,079 $4,052 $3,393 $4,007
Nationwide $4,974 $4,974 $7,472 $5,648
Progressive $4,587 $5,868 $5,393 $5,193
State Farm $2,710 $3,104 $3,666 $2,710
USAA $2,160 $3,192 $3,737 $2,482

Cheapest Pharr, TX Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Pharr, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,167 $12,332
American Family $8,053 $10,463
GEICO $5,823 $5,890
Nationwide $10,109 $13,104
Progressive $11,352 $12,625
State Farm $5,086 $6,460
USAA $5,071 $5,546

Cheapest Pharr, TX Car Insurance for Seniors

Take a look at Pharr, 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 Pharr, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,927 $3,927
American Family $2,859 $3,286
GEICO $2,724 $3,184
Nationwide $3,211 $3,422
Progressive $2,598 $2,673
State Farm $1,908 $1,908
USAA $1,787 $1,797

Cheapest Pharr, TX Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Pharr, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,476
American Family $5,171
GEICO $3,393
Nationwide $7,472
Progressive $5,393
State Farm $3,666
USAA $3,737

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Cheapest Pharr, TX Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Pharr, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,910 $6,199
American Family $5,087 $5,087
GEICO $3,555 $3,711
Nationwide $5,767 $5,767
Progressive $5,260 $5,260
State Farm $3,048 $3,048
USAA $2,855 $2,931

The Best Cheap Car Insurance Companies in Pharr, TX

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

Average Annual Car Insurance Rates by Company in Pharr, Texas

Insurance Company Average Annual Rates
Allstate $6,054
American Family $5,087
GEICO $3,633
Nationwide $5,767
Progressive $5,260
State Farm $3,048
USAA $2,893

Category Winners: Cheapest Car Insurance in Pharr, Texas

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

Best Annual Car Insurance Rates by Company in Pharr, Texas

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

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Cheapest Pharr, TX Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Pharr, Texas

Insurance Company Low Medium High
Allstate $5,928 $6,007 $6,229
American Family $4,666 $4,851 $5,743
GEICO $3,300 $3,524 $4,075
Nationwide $6,114 $5,504 $5,683
Progressive $4,915 $5,225 $5,641
State Farm $2,844 $3,023 $3,276
USAA $2,768 $2,875 $3,036

What affects car insurance rates in Pharr, Texas?

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

Car Theft in Pharr

High levels of vehicle theft can make car insurance more expensive. Pharr, TX car theft statistics from the FBI indicate 61 vehicle thefts a year.

Commute Time in Pharr

The more time you spend in your car the higher the risk of an accident. The average commute length in Pharr, TX is 21.8 minutes according to City-Data.

Compare Car Insurance Quotes in Pharr, TX

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

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