Best cheap car insurance in Brownsville
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Finding the best car insurance companies in Brownsville might seem daunting, but Bankrate’s insurance editorial team has narrowed the list for you. The average cost of car insurance in Brownsville, Texas, is $1,972 per year for full coverage, which is around $164 per month. For minimum coverage, Brownsville drivers pay $582 per year on average. However, the top five insurers on our list, including State Farm, Geico and Mercury Insurance, offer lower than average rates, have strong financial strength ratings and provide excellent customer support.
Best cheap car insurance companies in Brownsville
As part of our analysis, we used price data provided by Quadrant Information Services and State Farm, Geico and Mercury Insurance proved to offer the best car insurance in Brownsville, as well as some of the cheapest. Each provider also received a Bankrate Score, which was calculated on a five-point scale that assesses each provider’s affordability, J.D. Power customer satisfaction and AM Best financial strength.
|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
Among our top insurance companies 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 car insurance, Geico is one of the cheapest car insurance companies in Brownsville. 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 discount for new car purchases and a discount for cars equipped with anti-theft systems.
Learn more: Geico 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 earned Bankrate’s highest rating, but 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 can earn up to a 10% discount just for enrolling, plus up to a 30% 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
Nationwide gives drivers several 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
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. In addition to checking that a provider’s rates line up with your budget based on the coverage you’re looking for, also look for providers that have excellent financial strength ratings and a history of good customer service.
- Maintain a good credit history. Some carriers use your credit-based insurance score as a rating factor, so it can help to maintain a good credit history to retain an affordable car insurance rate.
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.
Texas is not a no-fault state. However, all Texas car insurance policies include personal injury protection (PIP) coverage. If you choose not to carry PIP, you can discontinue the coverage by sending a request in writing to your insurance company.
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.
Bankrate utilizes Quadrant Information Services to analyze 2022 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 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 2020 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.
Bankrate Scores are calculated on a five-point scale and primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.
To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moody’s had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across nearly 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.
While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.