Buy Cheap Harlingen, TX Auto Insurance (2021)

Harlingen, TX auto insurance rates average $342 a month. Minimum auto insurance requirements in Harlingen, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Harlingen, TX, compare Harlingen auto insurance quotes from top companies.

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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
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UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Harlingen, TX are $342/month
  • The most expensive auto insurance company in Harlingen is Allstate
  • Average auto insurance rates in Harlingen, TX after a DUI are $4,731/year

Finding affordable Harlingen, Texas auto insurance can be challenging, but everything you need to know to buy cheap Harlingen, TX auto insurance with confidence is right here. Auto insurance rates in Harlingen are affected by local factors as well as personal ones like your driving record.

See how Harlingen, TX car insurance rates compare to Austin auto insurance rates, Dallas auto insurance rates, and Laredo auto insurance rates before you read more about the cost of auto insurance in Harlingen.

Don’t buy Harlingen, TX auto insurance until you’ve compared rates. Get free Harlingen, Texas auto insurance quotes when you enter your ZIP code above.

Harlingen, TX Minimum Auto Insurance Requirements

The required auto insurance in Harlingen, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Harlingen, Texas is outlined here.

Minimum Required Auto Insurance Coverage in Harlingen, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Harlingen, TX Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Harlingen, TX. Take a look at Harlingen, Texas auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Harlingen, Texas

Insurance Company Poor Fair Good
Allstate $7,350 $5,358 $4,576
American Family $5,732 $3,663 $3,194
GEICO $4,771 $2,706 $1,809
Nationwide $6,591 $5,219 $4,530
Progressive $5,056 $4,313 $3,976
State Farm $3,966 $2,467 $1,965
USAA $4,441 $2,557 $2,056

Buy Cheap Harlingen, TX Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Harlingen, Texas auto insurance rates? Find out how car insurance rates in Harlingen, TX are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Harlingen, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,789 $3,839 $3,745 $3,745 $9,657 $11,714 $4,690 $4,912
American Family $2,547 $2,839 $2,376 $2,725 $6,668 $8,644 $3,644 $4,128
GEICO $2,330 $2,529 $2,301 $2,652 $4,966 $5,061 $2,496 $2,426
Nationwide $3,468 $3,543 $3,050 $3,253 $9,499 $12,319 $4,042 $4,399
Progressive $2,468 $2,364 $2,177 $2,229 $9,675 $10,797 $2,919 $2,960
State Farm $1,982 $1,982 $1,758 $1,758 $4,653 $5,904 $2,148 $2,206
USAA $1,955 $1,991 $1,867 $1,887 $5,223 $5,743 $2,621 $2,855

Buy Cheap Harlingen, TX Auto Insurance for Teen Drivers

Auto insurance for teenagers in Harlingen can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Harlingen, TX are listed here.

Annual Auto Insurance Rates for Teen Drivers in Harlingen, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,657 $11,714
American Family $6,668 $8,644
GEICO $4,966 $5,061
Nationwide $9,499 $12,319
Progressive $9,675 $10,797
State Farm $4,653 $5,904
USAA $5,223 $5,743

Buy Cheap Harlingen, TX Auto Insurance for Seniors

You can save on senior auto insurance rates in Harlingen, Texas by comparing Harlingen senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Harlingen, TX here.

Annual Auto Insurance Rates for Senior Drivers in Harlingen, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,745 $3,745
American Family $2,376 $2,725
GEICO $2,301 $2,652
Nationwide $3,050 $3,253
Progressive $2,177 $2,229
State Farm $1,758 $1,758
USAA $1,867 $1,887

Find Cheap Auto Insurance Rates in Harlingen, TX by Coverage Level

The amount of coverage you choose is a big factor in the cost of Harlingen, Texas auto insurance. Compare Harlingen, TX auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Harlingen, Texas

Insurance Company Low Medium High
Allstate $5,633 $5,713 $5,938
American Family $3,848 $4,005 $4,736
GEICO $2,856 $3,024 $3,405
Nationwide $5,795 $5,197 $5,347
Progressive $4,182 $4,426 $4,738
State Farm $2,622 $2,779 $2,996
USAA $2,899 $3,001 $3,153

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Find Cheap Harlingen, TX Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Harlingen. Compare auto insurance rates in Harlingen, TX by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Harlingen, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,626 $5,897
American Family $4,196 $4,196
GEICO $3,033 $3,157
Nationwide $5,447 $5,447
Progressive $4,449 $4,449
State Farm $2,799 $2,799
USAA $2,978 $3,057

Find Cheap Harlingen, TX Auto Insurance Rates by ZIP Code

Auto insurance rates in Harlingen, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Harlingen, TX to see how much where you live in Harlingen affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Harlingen, Texas

ZIP Code Average Annual Rates
78550 $6,070
78552 $5,947

Find Cheap Harlingen, TX Auto Insurance Rates by Driving Record

Auto insurance rates in Harlingen, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Harlingen, TX, take a look at the average cost for various violations versus rates for a clean driving record in Harlingen.

Annual Harlingen, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,543 $6,854 $7,104 $4,543
American Family $3,838 $4,844 $4,266 $3,838
GEICO $2,628 $3,455 $2,897 $3,400
Nationwide $4,700 $4,700 $7,052 $5,335
Progressive $3,883 $4,976 $4,551 $4,383
State Farm $2,494 $2,851 $3,358 $2,494
USAA $2,261 $3,324 $3,888 $2,598

Find Cheap Harlingen, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Harlingen, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in Harlingen for less when you shop around and compare rates from multiple Harlingen, TX auto insurance companies.

Annual Auto Insurance Rates After a DUI in Harlingen, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,104
American Family $4,266
GEICO $2,897
Nationwide $7,052
Progressive $4,551
State Farm $3,358
USAA $3,888

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Winners by Category: Where to Buy Cheap Auto Insurance in Harlingen, TX

Compare rates from the cheapest auto insurance companies in Harlingen, TX for your needs. Take a look at how Harlingen, Texas auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Harlingen, Texas

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation State Farm

Find Cheap Harlingen, Texas Auto Insurance Companies

If you’re looking for the cheapest Harlingen, TX auto insurance companies overall, you can compare them here. Find the best price for Harlingen, Texas car insurance by company.

Average Annual Auto Insurance Rates by Company in Harlingen, Texas

Insurance Company Average Annual Rates
Allstate $5,761
American Family $4,196
GEICO $3,095
Nationwide $5,447
Progressive $4,449
State Farm $2,799
USAA $3,018

What affects Harlingen, Texas auto insurance rates?

Local factors affect auto insurance rates in Harlingen, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact Harlingen auto insurance rates.

Auto Theft in Harlingen

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Harlingen, TX auto theft show a total of 75 vehicle thefts annually.

Commute Times in Harlingen

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Harlingen, TX is 17.1 minutes according to City-Data.

Traffic in Harlingen

How is traffic in Harlingen, Texas? Inrix data shows that Harlingen, TX traffic makes it the 997th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Harlingen, TX

You can buy cheap Harlingen, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Harlingen, Texas auto insurance quotes from top companies.

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