The Cheapest Auto Insurance Companies in Brownsville, Texas, in 2026

State Farm has the cheapest car insurance rates in Brownsville, at $58 per month. Your personal rates will vary based on factors like your age, driving record, and coverage needs.

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Mandy Sleight
Writer: Mandy SleightInsurance Writer

Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.

Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.

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Editor: Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.

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Brownsville drivers pay an average of $166 per month for car insurance. Compare that to the Texas average of $166 per month and the national average of $142 per month.

Insurers use factors like population density, traffic congestion, and rates of vehicle theft and accidents to determine auto insurance rates. Brownsville has a relatively large population with higher crash and theft rates, which drives up premiums.[1] [2]

That said, many companies offer rates well below the statewide average. State Farm, Progressive, and Mile Auto offer some of the cheapest rates in Brownsville, with rates as low as $58 per month.

We’ll tell you the cheapest car insurance companies in Brownsville for various drivers and coverage types and how to pick the best company. Plus, we’ll give you tips to save on your premiums.

Key Takeaways
  • The cheapest car insurance company in Brownsville is State Farm, with rates starting at $58 per month.

  • Brownsville drivers pay an average monthly cost of $117 for liability-only coverage and $216 for full coverage.

  • Texas requires drivers to have 30/60/25 liability coverage.[3]

The Cheapest Car Insurance Companies in Brownsville, Texas

Switching companies is one of the easiest ways to save on car insurance costs. Comparing quotes from some of the cheapest insurers in your area can help you find the lowest price for your coverage needs.

Check out the table below for the cheapest auto insurance companies in Brownsville, according to Compare.com data.

The below rates in Brownsville, TX, are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 
Company
Average Monthly Premium
State Farm$58
Progressive$82
Mile Auto$83
GEICO$90
USAA$104
First Acceptance$110
Mercury$112
The General$114
Alinsco$115
Lone Star$119
GAINSCO$121
Commonwealth Casualty$124
Covercube$126
Bristol West$129
Clearcover$129
Root$130
Dairyland$133
AssuranceAmerica$136
Mendota$137
Sun Coast$137
Excepsure$140
Allstate$141
Safeco$142
Direct Auto$144
Loop$150
Elephant$152
National General$152
Chubb$176
Trexis One$178
Insurify Car$192
21st Century$204
Hugo$210
Liberty Mutual$236
Foremost$282
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on Monday, August 31 at 5:00 PM PDT.

Cheapest Car Insurance in Brownsville by Driver and Coverage Type

While the companies listed above are a solid starting point, your actual car insurance rates in Brownsville depend on factors like your age, driving record, credit history, and even ZIP code.

The table below highlights the cheapest insurers for different driver profiles and coverage levels, according to our latest data.

Driver/Coverage Type
Cheapest Insurer
Insurer’s Average Monthly Premium
State-minimum coverageState Farm$58
Full coverageState Farm$112
TeensState Farm$116
SeniorsState Farm$45
Drivers with a speeding ticketState Farm$74
Drivers with an at-fault accidentState Farm$78
Drivers with a DUIState Farm$82
Drivers with excellent creditState Farm$49
Drivers with poor creditState Farm$84
We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

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Cheapest state-minimum coverage: State Farmexpand/collapse

The average monthly cost for minimum-coverage car insurance in Brownsville is $117, according to Compare.com data. Minimum coverage covers only injuries and damage you cause to another driver.

Most insurance experts recommend buying more than the state-minimum requirements to protect your assets in case you cause a serious accident.

For Brownsville drivers who need only state-minimum coverage, here are the five cheapest companies, according to our research.

The below rates in Brownsville, TX, are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Average Liability Rates by Company

Company
Average Monthly Premium
State Farm$58
Progressive$82
Mile Auto$83
GEICO$90
USAA$104
First Acceptance$110
Mercury$112
The General$114
Alinsco$115
Lone Star$119
GAINSCO$121
Commonwealth Casualty$124
Covercube$126
Bristol West$129
Clearcover$129
Root$130
Dairyland$133
AssuranceAmerica$136
Mendota$137
Sun Coast$137
Excepsure$140
Allstate$141
Safeco$142
Direct Auto$144
Loop$150
Elephant$152
National General$152
Chubb$176
Trexis One$178
Insurify Car$192
21st Century$204
Hugo$210
Liberty Mutual$236
Foremost$282
Cheapest full coverage: State Farmexpand/collapse

Most Brownsville drivers should consider full-coverage car insurance. Liability-only insurance covers damage and injuries to others, but not to you, your passengers, or your car. Full coverage includes liability coverage, plus coverage for damage to your car.

If you lease or finance your car, your lender or leasing company usually requires you to buy full-coverage insurance.

The average full-coverage rate in Brownsville is $216 per month, according to our data. But even with higher rates, several insurers usually offer full coverage for close to the average liability-only premiums.

Check out the chart below for the five cheapest insurers in Brownsville for full coverage, according to Compare.com data.

The below rates in Brownsville, TX, are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Average Full-Coverage Rates by Company

Company
Average Monthly Premium
State Farm$112
Progressive$140
Mercury$183
Mile Auto$184
GEICO$189
USAA$200
Safeco$210
Allstate$212
Root$214
Clearcover$223
Direct Auto$228
Alinsco$231
GAINSCO$233
Elephant$236
AssuranceAmerica$249
Bristol West$249
The General$250
National General$252
Mendota$263
Commonwealth Casualty$270
First Acceptance$274
Sun Coast$276
Lone Star$277
Loop$282
Covercube$283
Dairyland$311
Chubb$341
Liberty Mutual$342
Trexis One$362
21st Century$393
Foremost$567
Cheapest for teens: State Farmexpand/collapse

Teens have the least driving experience and are more likely to get into an accident. Younger drivers have riskier behaviors, like speeding, driving late at night, and using their phones. Drivers younger than 20 are more than three times as likely to get into a crash as other age groups, making them the most expensive to insure.[4]

Brownsville teens pay an average of $325 per month for car insurance, according to our research. Still, you can likely find a better deal if you’re a young driver or have one on your auto policy.

We break down the five cheapest car insurers for teens in Brownsville in the chart below, according to Compare.com data.

The below rates in Brownsville, TX, are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Average Rates for Teens

Company
Average Monthly Premium
State Farm$116
Progressive$160
GEICO$169
Mile Auto$175
USAA$197
Root$204
Mercury$211
The General$213
First Acceptance$215
Clearcover$219
GAINSCO$219
Alinsco$225
Lone Star$233
Bristol West$236
Dairyland$238
Commonwealth Casualty$242
Covercube$246
Mendota$268
Sun Coast$268
Excepsure$274
Allstate$276
Elephant$286
AssuranceAmerica$289
Direct Auto$289
Loop$293
Safeco$298
National General$310
Trexis One$348
Chubb$369
21st Century$375
Insurify Car$376
Hugo$411
Liberty Mutual$427
Cheapest for seniors: State Farmexpand/collapse

Seniors usually pay the cheapest car insurance rates of any age group. With decades of experience, seniors tend to have safer driving habits, leading to fewer crashes.[5]

The average monthly auto insurance premium for seniors in Brownsville is $141, according to our data. But even with these low average rates, some companies may offer a cheaper price.

The chart below shows Brownsville’s five cheapest insurance companies for seniors, according to Compare.com data.

The below rates in Brownsville, TX, are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Average Rates for Seniors

Company
Average Monthly Premium
State Farm$45
Mile Auto$64
Progressive$70
GEICO$71
USAA$83
Mercury$87
First Acceptance$93
The General$96
Alinsco$98
Commonwealth Casualty$99
Lone Star$101
GAINSCO$103
AssuranceAmerica$105
Bristol West$106
Covercube$107
Dairyland$112
Clearcover$113
Mendota$116
Sun Coast$116
Direct Auto$117
National General$118
Root$119
Excepsure$119
Allstate$120
Elephant$121
Safeco$123
Loop$127
Chubb$131
Trexis One$151
21st Century$159
Insurify Car$163
Hugo$178
Liberty Mutual$194
Cheapest after a ticket: State Farmexpand/collapse

If you get a ticket, your car insurance premium will likely go up when your policy renews. Insurers factor your driving record into your rate, and a ticket signals a higher risk of future claims.[6] In fact, our research shows that just one speeding ticket causes average rates to increase by 36% nationwide.

Drivers in Brownsville with a recent ticket pay an average of $210 per month for car insurance. But several insurers typically offer lower rates.

Check out the chart below for the five cheapest insurers in Brownsville for drivers with a recent ticket, according to Compare.com data.

The below rates in Brownsville, TX, are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Average Rates With a Ticket

Company
Average Monthly Premium
State Farm$74
Mile Auto$101
Progressive$104
GEICO$119
USAA$134
First Acceptance$139
Alinsco$146
GAINSCO$146
Commonwealth Casualty$149
Lone Star$151
The General$154
Mercury$155
Root$156
Covercube$160
Bristol West$164
Clearcover$165
Dairyland$165
Mendota$173
Sun Coast$173
AssuranceAmerica$174
Excepsure$177
Allstate$179
Direct Auto$182
Elephant$187
Safeco$188
Loop$190
National General$191
Chubb$225
Trexis One$225
Insurify Car$243
Hugo$266
21st Century$270
Liberty Mutual$302
Cheapest after an accident: State Farmexpand/collapse

Causing an accident can increase your insurance premiums when you renew your policy. Insurers consider you more likely to file future claims after an at-fault accident. We found that a single at-fault accident causes average rates to increase by 40% nationwide.

Drivers in Brownsville with a recent accident pay an average of $222 per month for car insurance, according to our data. But you can typically find a better deal with one of the five insurers highlighted in the chart below.

Here are Brownsville’s cheapest insurers for drivers with a recent accident, according to Compare.com data.

The below rates in Brownsville, TX, are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Average Rates With an Accident

Company
Average Monthly Premium
State Farm$78
Progressive$110
Mile Auto$113
GEICO$120
USAA$141
First Acceptance$147
Alinsco$154
GAINSCO$156
The General$158
Lone Star$159
Root$164
Commonwealth Casualty$165
Mercury$168
Covercube$168
Bristol West$172
Dairyland$176
AssuranceAmerica$182
Mendota$183
Sun Coast$183
Clearcover$184
Excepsure$187
Allstate$188
Direct Auto$198
Safeco$198
Loop$200
Elephant$201
National General$204
Chubb$237
Trexis One$238
Insurify Car$256
Hugo$280
21st Century$281
Liberty Mutual$316
Cheapest after a DUI: State Farmexpand/collapse

A driving under the influence (DUI) conviction is the most serious traffic violation, and it can come with a staggering rate increase. Our research shows average rates go up by 61% nationwide after a DUI conviction.

Brownsville drivers with a DUI pay an average of $232 per month for auto insurance, according to our data. But even with a DUI conviction, you’re not necessarily stuck with sky-high rates.

The chart below shows the cheapest insurers in Brownsville for drivers with a recent DUI, according to Compare.com data.

The below rates in Brownsville, TX, are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Average Rates With a DUI

Company
Average Monthly Premium
State Farm$82
Progressive$115
Mile Auto$117
GEICO$128
USAA$147
First Acceptance$154
The General$157
Alinsco$161
Lone Star$166
Mercury$168
GAINSCO$171
Commonwealth Casualty$174
Covercube$176
Clearcover$176
Bristol West$183
Root$184
Dairyland$188
Mendota$192
Sun Coast$192
AssuranceAmerica$192
Excepsure$196
Allstate$197
Direct Auto$204
Loop$210
Elephant$215
National General$215
Safeco$221
Trexis One$249
Chubb$249
Insurify Car$268
21st Century$280
Hugo$294
Liberty Mutual$334
Cheapest for bad credit: State Farmexpand/collapse

Some car insurance companies also consider your credit history when calculating your premium. Studies show drivers with poor credit file more claims than drivers with good credit.[7] Our research shows drivers with poor credit pay 20% more for car insurance than people with excellent credit.

Brownsville drivers with poor credit pay an average of $208 per month for auto insurance. That said, not all companies use credit history, and some still offer cheap rates, regardless of your credit.

The chart below shows the five cheapest companies for Brownsville drivers with poor credit, according to Compare.com data.

The below rates in Brownsville, TX, are estimated rates current as of: Monday, August 31 at 5:00 PM PDT. 

Average Rates With Bad Credit

Company
Average Monthly Premium
State Farm$84
Progressive$103
Mile Auto$103
GEICO$112
USAA$129
Mercury$137
First Acceptance$138
The General$142
Alinsco$144
Lone Star$149
GAINSCO$150
Commonwealth Casualty$154
Covercube$158
Bristol West$160
Clearcover$160
Root$161
Dairyland$165
AssuranceAmerica$169
Mendota$171
Sun Coast$171
Excepsure$175
Allstate$176
Safeco$176
Direct Auto$179
Loop$188
Elephant$189
National General$189
Trexis One$223
Insurify Car$240
21st Century$253
Hugo$263
Chubb$281
Liberty Mutual$282

Our Picks for the Best Auto Insurance in Brownsville

There isn’t a single best car insurance company for all Brownsville drivers. The best choice for you depends on your budget, driver profile, and coverage needs. We chose the following companies as top picks in Brownsville based on a combination of their average rates, available discounts, coverage options, and customer ratings and reviews.

State Farm
User Reviews
3.9
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.7 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$58/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$112/mo
Details
3.9
A solid option in Brownsville, TXBased on 1,030 verified guest reviews and ratings
State Farm's score
Industry average
Coverage options3.93.2
Customer service3.93.6
Discounts3.72.9
Policy transparency3.73.1
Value3.62.9
How drivers feel about State Farm

Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.

AI-generated from the text of verified reviews collected by Compare.com
Showing 8 Texas reviews for Brownsville driversSee all 404 State Farm reviews
Karl
Verified Review
Disappointing
My Drive & Save discount was recently reduced for reasons that don’t seem accurate.
Joaquin Valdemar
Verified Review
Excellent
Expensive.
Dennis
Verified Review
Find Another Alternative to State Farm
Rates are too high for someone who has been with them for 26 years. The agent isn’t interested at all in helping me save money.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
654
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

State Farm offers liability-only and full-coverage policies, with optional add-ons like roadside assistance, rideshare coverage, and rental reimbursement. It’s also a budget-friendly option for Brownsville drivers. State Farm reports that local customers save more than $50 per month on average when switching from another company.

Although it may not offer as many customizable options as some competitors, its above-average customer service and claims satisfaction scores make it worth getting a quote.

Pros
  • Above-average customer satisfaction in the Texas region[8]

  • Highly rated claims satisfaction[9]

  • Above-average digital experience rating[10]

Cons
  • Offers few discounts in Texas

  • Doesn’t offer as many coverage options as competitors

  • Few local agents

GEICO
User Reviews
4.0
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.6 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$90/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$189/mo
Details
4.0
Best choice in Brownsville, TXBased on 868 verified guest reviews and ratings
GEICO's score
Industry average
Coverage options3.93.2
Customer service4.03.6
Discounts3.62.9
Policy transparency3.83.1
Value3.62.9
How drivers feel about GEICO

Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.

AI-generated from the text of verified reviews collected by Compare.com
Showing 6 Texas reviews for Brownsville driversSee all 333 GEICO reviews
Daniel
Verified Review
Looking for Better Rates
The rates went sky-high with no explanation as to why. The agents seem to only be looking out for themselves. I’m looking for another insurance company that will lower my premiums instead of raising them with no explanation.
Ramona
Verified Review
Poor Experience
The cheapest insurance I’ve found, but the customer service is poor. It’s hard to get your agent to call you back. They increase your rates even if you have a no-fault situation, which doesn’t seem right.
Marilyn
Verified Review
Higher Rate for Not Having Insurance 30 Days Prior
I have a non-mandated due date. I've tried to change the due date, and they just say, "We don't do that." I even offered to pay interest on the new due date, but they still refused. They also told me that I had a higher premium because I didn't have insurance for the 30 days prior. I did not own a vehicle to be insured, and I've had insurance since I started driving at 16. I contacted the state insurance commission, and they said the state does not mandate a higher rate if you don't have insurance 30 days prior to applying. Your representative would not consider a lower rate. It's frustrating to be penalized with a higher rate without considering why I didn't have insurance. Would you pay for insurance if you don't even own a vehicle? It brings me anger that I'm penalized with a higher rate.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
653
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++
Why we picked this company

GEICO is often one of the most affordable options for high-risk drivers, offering competitive rates even if you don’t have a perfect driving record. While it doesn’t offer as many add-ons as some insurers, it stands out with mechanical breakdown coverage, a rare option that rivals costly extended vehicle warranties.

GEICO doesn’t provide local agent support in Brownsville, which might not suit customers who prefer in-person service. But its top-rated mobile app makes it a great fit for tech-savvy drivers.

Pros
  • Affordable rates for high-risk drivers

  • Mechanical breakdown coverage available

  • Plenty of discounts

Cons
  • Few optional coverages available

  • Below-average claims satisfaction rating

  • No local agents

Allstate
User Reviews
3.8
Our Rating
Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.
4.5 /5
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$141/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$212/mo
Details
3.8
A solid option in Brownsville, TXBased on 592 verified guest reviews and ratings
Allstate's score
Industry average
Coverage options3.93.2
Customer service3.93.6
Discounts3.62.9
Policy transparency3.83.1
Value3.62.9
How drivers feel about Allstate

Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.

AI-generated from the text of verified reviews collected by Compare.com
Showing 6 Texas reviews for Brownsville driversSee all 221 Allstate reviews
Terry
Verified Review
Easy to Leave and Come Back
Exceptional rep, but it’s often too expensive.
Georgia
Verified Review
Great Allstate Insurance
Great compared to others.
Norman
Verified Review
Progressive was a third of the price of Allstate and offered even better coverage. Allstate kept getting higher and higher in price.
Progressive was a third of the price of Allstate and offered even better coverage. Allstate kept getting higher and higher in price.
J.D. Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
646
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02
AM Best
AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-
Why we picked this company

Allstate may not be the cheapest option in Brownsville, but it offers plenty of ways to lower your car insurance costs. Safe drivers can save up to 30% with Allstate’s Drivewise telematics program. You can also get discounts for bundling your policies, making payments on time, and installing an anti-theft device.

Allstate also offers rideshare coverage, plus Mexico car insurance for Brownsville residents who travel across the border.

Pros
  • Offers Mexico and rideshare coverage

  • Safe driving telematics discount available

  • Above-average customer satisfaction

Cons
  • Poor Trustpilot score[11]

  • Below-average claims satisfaction rating

  • Few local agents

Find the Best Company for You

Local rates start as low as $58 per month.

Excellent
4.6 out of 5 based on 823 reviews
Secure. Free. Easy-to-use.
ProgressiveLiberty MutualAllstate

Texas Auto Insurance Requirements

Aerial view of a park with a winding river, fountain, pathways, trees, and surrounding buildings under a cloudy sky.

Texas requires drivers to have car insurance, just like nearly every state in the country. To legally drive in the Lone Star State, you must have the following minimum liability coverage:

Insurers must offer you personal injury protection (PIP) and uninsured motorist coverage, but you can opt out in writing. PIP covers your medical bills and lost wages if injuries cause you or your passengers to miss work, so it may be worth the extra cost.

Nearly 15% of drivers in Texas don’t have car insurance, despite this being illegal, according to the Insurance Information Institute.[12] Uninsured motorist coverage can help if an uninsured driver hits you so you don’t have to cover all the damage to your car.

Is minimum coverage enough in Brownsville?

The Texas Department of Insurance recommends buying more than the state’s minimum requirements in case you cause a multi-car accident or total someone’s vehicle. The $25,000 minimum doesn’t go very far when the average new car costs nearly $50,000. Higher liability limits can prevent you from paying for costly repairs out of pocket.[13]

Keep in mind that lenders and leasing companies typically require you to have comprehensive and collision coverage if you finance or lease your vehicle.

Brownsville Auto Insurance FAQs

We answered common questions from drivers about buying auto insurance in Brownsville, Texas. Check them out below.

How much is car insurance in Brownsville?

Brownsville car insurance costs an average of $166 per month, according to Compare.com data. Liability-only coverage averages $117 per month, while full coverage costs an average of $216 per month.

What’s the cheapest auto insurance company in Brownsville?

The cheapest auto insurance company in Brownsville is State Farm, according to Compare.com data. Its auto insurance rates start at $58 per month.

Is car insurance in Brownsville expensive?

It depends. How much you pay for car insurance depends on several factors, including your age, driving history, vehicle type, and even the neighborhood where you live. Brownsville drivers pay an average of $166 per month for auto insurance. For context, the national average rate is $142 per month.

Why is auto insurance so expensive in Texas?

Auto insurance is expensive in Texas for a variety of reasons. Insurance laws, severe weather, and a high number of uninsured motorists are a few factors that increase insurance costs in the Lone Star State, according to Compare.com data.

Sources

  1. Texas Department of Transportation. "Crashes and Injuries by Cities and Towns."
  2. Brownsville Police Department. "2024 Annual Report."
  3. Texas Department of Insurance. "Auto insurance guide."
  4. Centers for Disease Control and Prevention. "Risk Factors for Teen Drivers."
  5. National Safety Council. "Age of Driver."
  6. Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
  7. Insurance Information Institute. "Trends and Insights: Risk-Based Pricing of Insurance."
  8. J.D. Power. "2024 U.S. Auto Insurance Study."
  9. J.D. Power. "2024 U.S. Auto Claims Satisfaction Study."
  10. J.D. Power. "2025 U.S. Insurance Digital Experience Study."
  11. Trustpilot. "Allstate Reviews."
  12. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  13. Kelly Blue Book. "Average New Car Price Flirting With Record."

Methodology

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Mandy Sleight
Writer: Mandy SleightInsurance Writer

Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.

Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.

Matthew Gross headshot
Editor: Matthew GrossEditor

Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.

Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.