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Looking for affordable car insurance in Brownsville, TX? According to Bankrate’s research, State Farm offers the cheapest full coverage rates on average, while Geico provides the most affordable minimum coverage at approximately $422 per year. The average Brownsville driver pays $2,090 annually for full coverage ($174 monthly) and $578 for minimum coverage. Bankrate’s insurance editorial team shares our picks for the top providers based on average rates, financial strength and customer satisfaction to help you find the best coverage at the right price.
Best cheap car insurance companies in Brownsville
As part of our analysis, we examined price data provided by Quadrant Information Services and State Farm, Geico and Nationwide Insurance proved to offer some of the best car insurance in Brownsville, as well as the cheapest. Each provider also received a Bankrate Score, which was calculated on a five-point scale that assesses multiple metrics, including each provider’s affordability, J.D. Power customer satisfaction score and AM Best financial strength rating.
|Insurance company||Bankrate Score||J.D. Power score (Texas)||Average annual premium for full coverage||Average annual premium for minimum coverage|
*Not officially ranked with J.D. Power due to eligibility restrictions
As our pick for the best cheap car insurance company in Brownsville, State Farm offers low premiums for full coverage. The provider sells auto insurance through 12 Brownsville agencies, offering standard coverage types along with optional rideshare and roadside assistance. State Farm provides 24/7 phone claims support, or you can file online or using the carrier’s mobile app. However, State Farm does not offer gap insurance, which may deter drivers who need coverage for newer vehicles.
Learn more: State Farm Insurance review
If you only need minimum coverage car insurance, Geico is one of the cheapest car insurance companies in Brownsville on average. The provider offers optional roadside assistance, which covers battery jump starts, fuel delivery, lockout service, tire changes and towing. However, options outside of standard coverage are limited. Geico offers customers several ways to save on premiums, including a potential discount for new car purchases and one for cars equipped with anti-theft systems.
Learn more: Geico Insurance review
Nationwide gives drivers several potential ways to get affordable rates. The provider’s optional vanishing deductible program reduces your deductible by $100 annually, up to $500, for maintaining safe driving habits. Nationwide policyholders who bundle car and home insurance policies could earn an additional discount on their auto coverage, as well as policyholders who remain accident-free. Although Nationwide is not rated by J.D. Power in Texas for customer satisfaction, the insurer is a trusted household name insurer for many drivers.
Learn more: Nationwide Insurance review
Mercury Insurance makes policies available through three independent Brownsville insurance agencies, which is not as many locations as some larger insurers, but still provides an option for those who prefer in-person agent help. Drivers aged 16 to 25 could earn a discount for safe driving habits and students with a GPA of 3.0 or higher could also earn savings. Mercury offers several optional coverage types, including mechanical protection, which provides nationwide 24-hour roadside assistance, rental vehicle assistance, road hazard tire protection and trip interruption coverage.
Learn more: Mercury Insurance review
USAA consistently earns one of J.D. Power’s highest scores for customer satisfaction, but is ineligible for official ranking because the insurer only offers car insurance to military members, veterans and their eligible family members. With USAA’s usage-based auto insurance program, SafePilot, you could earn up to a 10 percent discount just for enrolling, plus up to a 30 percent savings by maintaining safe driving habits. USAA members also enjoy numerous perks such as discounts at select rental car agencies, ADT Home security monitoring discounts, shopping rewards and travel deals.
Learn more: USAA Insurance review
How to get and keep the cheapest car insurance in Brownsville
You can shop for cheap car insurance companies online, by phone or by visiting local agencies. Here’s some tips on how to find and lock in your low rates.
- Request quotes from several insurance companies. You may want to look for providers that have excellent financial strength ratings and a history of good customer service, then check which provider’s rates line up with your budget based on the coverage you’re looking for by requesting quotes from each and comparing.
- Maintain a good credit history. Some carriers use your credit-based insurance score as a rating factor (if allowed in your state), so it usually helps to maintain a good credit history to retain an affordable car insurance rate.
- Raise your deductible. Opting for a higher deductible can substantially lower your premiums. Just be sure you have enough savings to cover the out-of-pocket costs in the event of an accident.
Frequently asked questions
Choosing the best car insurance company is based on your particular needs. For instance, you might need an insurer that offers car and home insurance so you can bundle your insurance needs, or you may prefer a company that offers insurance and investment products. When shopping for a policy at an affordable price, also take time to look for a carrier with good financial strength ratings and one that can provide all the coverage types you need.
No, Texas is not a no-fault state. However, all Texas car insurance companies must offer uninsured and underinsured motorist coverage as well as personal injury protection (PIP) coverage as part of the state’s minimum coverage car insurance. You can choose not to carry these coverage types by sending a request in writing to your insurance company.
No, your U.S. car insurance policy will not cover you in Mexico. However, your insurer might offer insurance to cover your automobile while in Mexico. Before driving into Mexico, be sure to purchase a short-term Mexican auto insurance policy to cover your trip.
The cheapest car insurance company in Texas, like any state, is different for everyone. Car insurance companies use multiple factors to determine your car insurance premium, and each company rates these factors differently. To find the cheapest car insurance for you, experts recommend that you request quotes from multiple companies for the same coverage types and limits.
Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.