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Best cheap car insurance in Brownsville for 2024

Updated Jun 05, 2024
Brownsville drivers may save money on their car insurance by getting quotes from  Geico and State Farm.
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The best car insurance companies in Brownsville

Bankrate's research indicated five companies that offer solid policies with affordable rates, which are among the best insurance options in Texas. Each company we reviewed was assigned a Bankrate Score out of five. The higher the number, the better the company ranked based on our criteria, which included cost, J.D. Power customer satisfaction ranking, AM Best financial strength ratings, discounts and coverage options and more.

Best for discounts

Bankrate Score

Rating: 4.4 stars out of 5
4.4

Avg. min coverage premium

$483

Min. coverage

Avg. full coverage premium

$1,800

Full coverage

Why Geico made our list: On top of competitive average rates, Geico won the 2024 Bankrate Award for Best for Young Drivers and tied for the Best Auto Insurance Company Overall and Best Budget Auto Insurance Company. 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.

Why Geico may be the best for discounts: The company offers standard discounts, such as savings for air bags, good students and multi-policy. In addition, it has generous discounts for military members who are deployed as well as members of more than 500 groups and associations.

Scores and Ratings
Bankrate Score 4.4
J.D. Power 801/1,000
AM Best score A++
Read full review
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Best for customer satisfaction

Bankrate Score

Rating: 4.3 stars out of 5
4.3

Avg. min coverage premium

$542

Min. coverage

Avg. full coverage premium

$1,870

Full coverage

Why State Farm made our list: As one of our picks for the best cheap car insurance company in Brownsville, State Farm offers low premiums for minimum and full coverage. The provider sells auto insurance online and through eight 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 want coverage for newer vehicles.

Why State Farm may be the best for customer satisfaction: Customer service is where State Farm really shines, coming in second place in Texas on J.D. Power's 2023 Customer Satisfaction Index Ranking. This suggests that the company places a high value on its relationships with its customers, and means that your dealings with the company—including claims management—should be efficient and professional.

Scores and Ratings
Bankrate Score 4.3
J.D. Power 838/1,000
AM Best score A++
Read full review
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Best for military-focused coverage

Bankrate Score

Rating: 4.2 stars out of 5
4.2

Avg. min coverage premium

$577

Min. coverage

Avg. full coverage premium

$2,130

Full coverage

Why USAA made our list: 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 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.

Why USAA may be the best for military-focused coverage: As an insurer with a primary focus on military professionals and their family, it's not unexpected that USAA would offer perks especially suited to these customers. The company is known for low average rates and superior customer service, but it also has discounts for cars stored on base and for those who are deployed.

Scores and Ratings
Bankrate Score 4.2
J.D. Power 860/1,000
AM Best score A++
Read full review
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Best for bundled policies

Bankrate Score

Rating: 4 stars out of 5
4

Avg. min coverage premium

--

Min. coverage

Not available

Avg. full coverage premium

--

Full coverage

Not available

Why Nationwide made our list: Although Nationwide’s rates are not the most competitive on our list, 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 remain accident-free may earn a discount as well. However, Nationwide is not rated by J.D. Power in Texas for customer satisfaction, so prospective policyholders may want to speak with existing customers about their service experience.

Why Nationwide may be the best for bundled policies: For drivers who are interested in pooling all their insurance needs with a single company for ease of use, Nationwide may be a strong contender. In addition to its other discounts, Nationwide offers savings for those who purchase both their auto and their home or renters insurance with the company, with the company stating on its website that bundling home plus car saves policyholders an average of $646 annually. Working with a single agent and one company can reduce both the amount of paperwork and management that your policies require.

Scores and Ratings
Bankrate Score 4
AM Best score A+
Read full review
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Best for rideshare drivers

Bankrate Score

Rating: 3.8 stars out of 5
3.8

Avg. min coverage premium

$578

Min. coverage

Avg. full coverage premium

$2,488

Full coverage

Why Mercury made our list: Drivers who are looking for robust coverage options might want to consider Mercury Insurance. Although the company does not have local agents in Brownsville, drivers can find agents throughout the state. 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.

Why Mercury may be the best for rideshare drivers: If you drive for Uber, Lyft or another rideshare company, Mercury offers coverage that can augment the minimal coverage that rideshare providers have for their drivers. This coverage is available for an affordable rate—the company advertises that their rideshare insurance is available for as little as $0.90 a day.

Scores and Ratings
Bankrate Score 3.8
AM Best score A
Read full review
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Bankrate logo

Bankrate's trusted insurance industry expertise

Read our full methodology

Bankrate's insurance editorial team, which includes licensed insurance agents and professionals with decades of experience, sources up-to-date, accurate rate data from Quadrant Information Services for each of the many insurers it reviews. This data is combined with in-depth analysis of discounts, available coverage options and consumer satisfaction and financial strength ratings, to help you make the best decision possible for your own insurance needs.

46

years of industry experience

122

carriers reviewed

34.5K

ZIP codes examined

1.2M

quotes analyzed

The cheapest car insurance companies in Brownsville

If saving money is your top priority, our data indicates that there are several cheap Brownsville car insurance companies you may want to consider. Keep in mind that premiums are individualized for each driver, so your rate is likely to differ from the averages. One way to find the best cheap Texas car insurance is to shop around and ask for quotes from a range of insurers to see which can give you the best rate.

Insurance company Average annual min coverage premium Average annual full coverage premium
$483
$1,800
$542
$1,870
$577
$2,130
$578
$2,488
$654
$2,533

How much is car insurance in Brownsville, Texas?

The average annual cost of car insurance in Texas is $699 for minimum coverage and $2,460 for full coverage. For comparison, the Brownsville averages are $724 for minimum and $2,553 for full coverage.

Brownsville rates for teens

Teens typically pay above-average rates for their insurance. They may have less experience behind the wheel, and statistically, they are more likely than any other age group to engage in risky behaviors such as texting while driving or speeding. Because this means an increased risk for insurers, they usually compensate by charging more for teen drivers. The rates below are for teens who are included on their parents' policy—which tends to be cheaper than if they purchase a policy on their own. In the case of 16- and 17-year-olds, they may not be allowed legally to purchase their own policy.

Coverage type
Insurance company 16-year-old* 18-year-old*
$1,162
$849
$1,186
$1,051
$1,236
$1,110
$1,563
$1,286
$1,655
$1,056
*Annual rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Insurance company 16-year-old* 18-year-old*
$3,468
$3,091
$3,571
$3,012
$3,777
$3,466
$4,408
$3,805
$4,638
$3,324
*Annual rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Brownsville rates for young drivers

Young adult drivers may find that their rates begin to drop as they leave their teen years behind. This is likely to continue throughout their twenties, as long as they maintain a clean driving record. In some regions, their rates may also drop if they get married. To find the best coverage for young drivers, ask for quotes from a range of likely carriers to see who offers you the most affordable price.

Coverage type
Insurance company 20-year-old 25-year-old
$971
N/A
$1,127
N/A
$1,130
N/A
$1,446
N/A
$1,634
N/A
Insurance company 20-year-old 25-year-old
$3,281
N/A
$3,524
N/A
$3,714
N/A
$4,927
N/A
$5,322
N/A

Brownsville rates for adults

Rates tend to continue to decrease as drivers progress into middle age. However, age isn't the only factor that determines your auto insurance premium. Factors like your credit history, ZIP code, driving record and claim history will all affect your rates in Brownsville.

Coverage type
Insurance company 30-year-old 40-year-old 50-year-old
$490
$483
$466
$542
$542
$529
$616
$654
$632
$619
$577
$561
$642
$578
$573
Insurance company 30-year-old 40-year-old 50-year-old
$1,809
$1,800
$1,697
$1,946
$1,870
$1,758
$2,263
$2,130
$2,015
$2,617
$2,533
$2,429
$2,663
$2,571
$2,453

Brownsville rates for senior drivers

While rates tend to decrease with age, drivers over the age of 60 may start to see their rates creep back up. This is because age-related risk factors like poor vision and slower reaction speeds can increase the risk of an accident. Below you can see how rates vary for senior drivers from some of the cheapest companies in Brownsville.

Coverage type
Insurance company 60-year-old 70-year-old
$453
$561
$503
$533
$510
$644
$552
$696
$606
$654
Insurance company 60-year-old 70-year-old
$453
$1,810
$503
$1,732
$552
$2,187
$510
$2,323
$606
$2,436

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Advertising disclosure
This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

The cheapest car insurance in Brownsville by driving record

One of the factors that insurers pay attention to when assigning premiums is your driving record. If you have a clean driving record, it's likely that you will pay less for your policy than someone with multiple violations, all other factors being equal. Even a single speeding ticket or other moving violation may bump up the rate you pay for your policy, depending on your insurer.

Car insurance with a speeding ticket in Brownsville

The average cost of car insurance for Brownsville drivers with a single speeding ticket is higher than for those with no infractions on their record. Some insurers, however, may offer benefits including a discount if you take a defensive driving course after your ticket, so this can be one way to mitigate the effects of an increase.

Insurance company Average min coverage rate Average full coverage rate
$533
$2,009
$602
$2,032
$651
$2,415
$654
$2,533
$835
$3,491

Car insurance after an accident in Brownsville

An at-fault accident signals to insurers that you may engage in unsafe driving practices, and they are likely to respond by raising your rate. One exception may be for drivers who have purchased accident forgiveness coverage as part of their policy — this endorsement may, in some cases, mean you won't face an increase after a single accident.

Insurance company Average min coverage rate Average full coverage rate
$663
$2,439
$688
$2,230
$974
$3,366
$1,060
$3,561
$1,209
$4,622

Car insurance after a DUI in Brownsville

A DUI is one of the most serious infractions you can have on your license in Brownsville, and you are likely to face civic fees and other penalties if you are convicted of one. In some cases, insurers may not be willing to work with you if you have one or more DUIs on your record, and in that case you would need to look for carriers who offer high-risk insurance.

Insurance company Average min coverage rate Average full coverage rate
$744
$2,546
$803
$3,232
$889
$2,703
$895
$3,116
$899
$3,028
Lightbulb

Minimum coverage requirements in Brownsville

As is true in almost all states, Texas requires drivers to carry a minimum amount of liability coverage in order to drive legally on public roads. Texas law mandates that all drivers have at least:

  • $30,000 bodily injury liability per person per accident
  • $60,000 bodily injury liability total per accident
  • $25,000 property damage liability per accident

Although these are minimum limits of your insurance, many insurance experts would recommend that you purchase higher levels of coverage. For example, considering that the average cost of a new car is more than $47,000, minimum coverage may not be enough to cover your costs in the event of an accident where you total a newer model.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze June 2024 rates for all 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 single, 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 2022 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.

Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.

Age: Rates were calculated by evaluating our base profile with the ages 20-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.

Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.

Bankrate Score

Our 2024 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.

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. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.

5
Rating: 5 stars out of 5
Overall Score
  • Cost & ratings 50%
  • Coverage & savings 30%
  • Support 20%
  • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average 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, Demotech 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.