Buy Cheap Brownsville, TX Auto Insurance

On average, Brownsville, TX auto insurance costs $350 per month or $4,207 annually. However, your Brownsville, TX auto insurance rates depend on your age, driving record, and coverage needs. State Farm offers the cheapest average quotes in your city. By law, all Brownsville residents must carry the Texas minimum auto insurance limits of 30/60/25 in liability coverage to drive on the roads.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 15, 2021

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A Concise Overview

  • On average, Brownsville, TX auto insurance costs $350 per month or $4,207 per year
  • State Farm provides the cheapest average quotes in your city
  • Minor traffic congestion and low auto theft rates keep insurance costs down in your city

On average, Brownville, TX auto insurance costs $350 per month or $4,2097 annually. However, your Texas auto insurance rates depend on different driving and non-driving factors.

Keep reading to compare actual annual rates from the top companies in your city and learn how to secure cheap Brownsville auto insurance.

When you’re ready, compare Brownsville, TX auto insurance quotes for free by entering your ZIP code into our rate tool above.

What is the cheapest auto insurance company in Brownsville, TX?

The cheapest Brownsville, TX auto insurance company is State Farm. However, your rates depend on your age, driving record, and coverage needs.

For example, full coverage auto insurance always costs more than a liability-only policy.

Below, compare actual average annual rates from the top Brownsville providers:

  • State Farm – $2,940.57
  • USAA – $3,012.97
  • GEICO – $3,155.77
  • American Family – $4,435.12
  • Progressive – $4,864.36
  • Nationwide – $5,446.54
  • Allstate – $5,598.11

Every insurance company uses a different formula to calculate your premiums. In fact, for some companies in Texas, gender heavily impacts your overall costs.

Therefore, to truly secure your best rates, compare quotes from multiple providers before signing your name on any dotted lines.

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What auto insurance coverage is required in Brownsville, TX?

By law, Brownsville residents must carry at least the minimum Texas auto insurance limits to drive on the roads legally.

Currently, Texas drivers must purchase at least:

  • $30,000 per person and $60,000 per incident in bodily injury liability coverage
  • $25,000 per incident in property damage liability coverage

Texas is an at-fault or tort state. Your liability auto insurance pays for the other driver’s damages in an accident you’re responsible for causing.

What affects auto insurance rates in Brownsville, TX?

Fortunately, minor traffic congestion and low auto theft statistics in your city help keep your regional Brownsville insurance costs down.

INRIX ranks Brownsville as the 151st-most congested city in the country. Drivers lose four hours to backed-up traffic every year in your town.

Luckily, Brownsville’s commute times are also shorter than the national average of 26 minutes.

According to City-Data, the mean travel time to work in your city is only 18 minutes.

Finally, the Federal Bureau of Investigation (FBI) recorded only 141 stolen vehicles in Brownsville in 2017. That’s a meager rate of only 76.1 auto thefts per 100,000 residents.

Brownsville, TX Auto Insurance: The Bottom Line

Overall, Brownsville insurance costs are average to low for the state of Texas.

By taking the time to compare quotes online, you’ll quickly secure affordable Brownsville, TX auto insurance rates.

You can compare Brownsville rates to the following Texan cities below:

Now that you’re ready to buy Brownsville, TX auto insurance, enter your ZIP code into our free quote tool below and start shopping.

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