Best cheap car insurance in Brownsville

1
DavieJones13/Getty Images
Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by HomeInsurance.com (NPN: 8781838). For more information, please see our

The average annual cost for full coverage car insurance in Brownsville, Texas, is $2,026, with an average monthly rate of $169, slightly higher than the average cost of car insurance throughout Texas. The cheapest car insurance company in Brownsville is Geico, with average annual full coverage rates of $1447, according to Bankrate’s 2021 study of quoted annual premiums. Geico also received the highest Bankrate Score among the carriers we analyzed in Brownsville.

One reason rates might be slightly higher in Brownsville than in other parts of Texas is an increased population and heavier traffic. The city’s population has expanded significantly since 2000 — growing 30.8% — and bringing inevitable traffic issues. Brownsville residents’ complaints over the years about haphazard traffic light coordination have finally led to action. In September 2021, Brownsville embarked on a long-planned massive project to synchronize traffic lights throughout the city, hopefully eliminating the frustration and increased risk-taking by drivers. In the meantime, it is still possible to find affordable car insurance. Bankrate examined several major car insurance carriers in the city to help residents find the best and cheapest auto insurance available.

Best cheap car insurance companies in Brownsville

According to our study of rates obtained from Quadrant Information Services, Geico, State Farm, and USAA are Brownsville’s three cheapest car insurers. To determine the best and cheapest car insurers, Bankrate analyzed average annual car insurance premiums, and looked at a range of available coverages and discounts, AM Best ratings for the financial strength of carriers and J.D. Power customer satisfaction scores to calculate a Bankrate Score for each carrier, with five being the highest possible score.

When searching for the best and most affordable coverage for you, remember that the cheapest policy may not fit all of your needs. Review all of the third-party industry ratings and reviews that we studied and the discounts that may apply to you to make the best decision for you and your family. According to our study, the following car insurance companies provide some of the best affordable car insurance in Brownsville:

Insurance company Bankrate Score J.D. Power 2021 auto insurance study score (Texas) Average annual premium for full coverage Average annual premium for min coverage
Geico 4.6 832/1,000 $452 $1,447
State Farm 4.5 838/1,000 $589 $1,449
USAA* 4.8 879/1,000 $464 $1,534
Nationwide 4.3 N/A (Texas region) $650 $1,844
Allstate 3.6 836/1,000 $610 $1,969

*USAA is not officially ranked by J.D. Power due to eligibility restrictions.

Geico

Might be ideal for: Drivers who have a speeding ticket or a minor incident.

Geico offers the cheapest car insurance in Brownsville for both minimum and full coverage among the companies we studied. Additionally, according to Bankrate’s study of the cheapest car insurance companies in Texas, Geico also offered the cheapest annual full coverage rates in the state for drivers who have had a speeding ticket or accident, which might make it a good choice for Brownsville motorists who have a less-than-perfect driving record.

Though Geico is typically one of the cheapest auto insurance companies, the company offers robust coverage options with a wide range of discounts.

Learn more: Geico insurance review

State Farm

Might be ideal for: Families with teen drivers on their policy.

State Farm came in a close second on our list for the cheapest car insurance companies in Brownsville.

State Farm is a hands-on company, proud of its face-to-face way of doing business through a network of local agents. Its local agents in Brownsville should be up to speed on the specific needs of Texas drivers and which particular coverage options and discounts may benefit them. Notably, State Farm is also attuned to the needs of families with teenage drivers. The company’s Steer Clear program is designed to help educate teens about safe driving skills and may help lower expensive premiums for newer drivers.

Learn more: State Farm insurance review

USAA

Might be ideal for: Military families looking for outstanding customer service and reasonable rates.

USAA’s full coverage car insurance in Brownsville is just slightly more expensive than State Farm and Geico. Though USAA is not officially ranked in the 2021 J.D. Power Customer Satisfaction Survey because its services are only offered to current and former military members and their families, the car insurance company still received the highest score of 879, reflecting the company’s excellent service for its policyholders.

USAA’s excellent customer service and its leading 4.8 Bankrate Score, coupled with a wide range of policy options and valuable discounts, make it a good choice for those who qualify for membership.

Learn more: USAA insurance review

Nationwide

Might be ideal for: Drivers looking for unique discounts.

Although Nationwide is among the more expensive cheap car insurers on our list, its annual full coverage rates still come in well below the Brownsville average.

One of the key reasons Nationwide appears on our list of the best cheap car insurance providers in Texas is its unique and creative cost-saving features, like its Nationwide SmartRide program, which reinforces safe driving while saving money on premiums. Nationwide’s optional vanishing deductible coverage could potentially reduce your policy deductibles up to certain limits for every year you drive without an accident.

Learn more: Nationwide Insurance Review

Allstate

Might be ideal for: Drivers who want to bundle car and home insurance policies.

While Allstate is the most expensive among the cheap car insurance companies on our list, it typically offers significant discounts for customers who bundle their home and car insurance with the provider.

Allstate also offers numerous other discounts that can help drivers save money. Good drivers can be rewarded with reduced rates with Allstate’s Drivewise telematics program, which measures actual driving patterns and habits. Other available discounts include savings for car safety features, newer cars and students with good grades.

Learn more: Allstate insurance review

How to get and keep the cheapest car insurance in Brownsville

You can take several steps to help ensure you are getting the most affordable rates from auto insurance providers in Brownsville. Here are some tips that will give you some confidence that you are paying the best rates for your car insurance:

To find cheap car insurance rates in Brownsville, you can:

  • Shop around and compare quotes from the cheapest car insurance providers to get the most affordable rates.
  • Talk with your insurance agent to determine how much coverage you need and avoid paying for more than you need.
  • Choose an insurance provider that offers the right discounts for you.
  • Periodically examine your current policy to ensure you are getting the best rates for your situation.

To keep cheap car insurance rates in Brownsville, you may want to:

  • Maintain a clean driving record to avoid being classified as a high-risk driver.
  • Ask your insurance company if they offer a telematics program that can get you lower rates for safe driving habits.
  • Purchase a vehicle that has lots of safety features.
  • Understand the factors that may influence your premium, such as the purchase of a new vehicle, aging, marriage or your type of employment. If you’ve had a recent life event, ask your carrier if it provides an opportunity to modify your coverage or obtain additional discounts.

Frequently asked questions

What is the best car insurance company?

The best car insurance company will be different for everyone because each auto insurance company uses different underwriting processes. Some people will fare better with different companies depending upon coverage options and available discounts. Most insurance experts recommend obtaining quotes from several car insurance companies and comparing them.

How much does car insurance in Brownsville cost?

The average annual premium for full coverage car insurance in Brownsville, Texas is $2,026 with an average monthly premium of $169. This is somewhat higher than the annual average premium for full coverage in Texas of $1,823.

How can I lower my car insurance rates in Brownsville?

There are a number of steps you can take to potentially lower your auto insurance premium in Brownsville, including:

  • Comparison shop with other carriers
  • Talk with your carrier to make sure you are taking advantage of all current discounts
  • Make sure you accurately report your total mileage driven if you drive less than when you first bought your policy.

There may be other ways to potentially lower your car insurance rates; speak with a licensed agent to determine what’s right for you.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. 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 coverages that meet each state’s requirements. Our base profile drivers own a 2019 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 Score

Bankrate Scores 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 Moodys 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 more than 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.

Written by
Rick Hoel
Insurance Contributor
Rick Hoel is an international business attorney and legal and insurance writer for Bankrate.com, Reviews.com and Accessibility.com. Over the last several years, he has covered topics dealing with personal and commercial insurance and technology and the law. Rick is General Counsel and Director of Risk Management and sits on the Board of Power Stow Americas Inc., a subsidiary of Power Stow A/S in Denmark, the world leader in the supply of tracked conveyor systems to the airline industry.
Edited by
Insurance Editor