Best cheap car insurance in Brownsville for 2024

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.

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.

How much is car insurance in Brownsville, Texas?

The average annual cost of car insurance in Texas is $680 for minimum coverage and $2,404 for full coverage. For comparison, the Brownsville averages are $704 for minimum and $2,514 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.

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.

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.

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.

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.

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.

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.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze July 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.

• 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.