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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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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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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Brownsville drivers pay an average of $169 per month for car insurance. Compare that to the Texas average of $164 per month and the national average of $137 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, Mile Auto, and Allstate offer some of the cheapest rates in Brownsville, with rates as low as $59 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.
The cheapest car insurance company in Brownsville is State Farm, with rates starting at $59 per month.
Brownsville drivers pay an average monthly cost of $129 for liability-only coverage and $209 for full coverage.
Texas requires drivers to have 30/60/25 liability coverage.[3]
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.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $59 |
| Mile Auto | $73 |
| Allstate | $83 |
| GEICO | $103 |
| USAA | $105 |
| Progressive | $108 |
| Mercury | $109 |
| Dairyland | $121 |
| Root | $121 |
| The General | $122 |
| Bristol West | $125 |
| AssuranceAmerica | $133 |
| Commonwealth Casualty | $133 |
| Nationwide | $133 |
| Clearcover | $137 |
| Safeco | $139 |
| GAINSCO | $140 |
| Direct Auto | $151 |
| National General | $154 |
| Elephant | $161 |
| Chubb | $179 |
| 21st Century | $207 |
| Liberty Mutual | $261 |
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 coverage | State Farm | $59 |
| Full coverage | State Farm | $97 |
| Teens | State Farm | $119 |
| Seniors | State Farm | $46 |
| Drivers with a speeding ticket | State Farm | $73 |
| Drivers with an at-fault accident | State Farm | $76 |
| Drivers with a DUI | State Farm | $82 |
| Drivers with excellent credit | State Farm | $49 |
| Drivers with poor credit | State Farm | $84 |
Comparing quotes can save you up to $867.†
The average monthly cost for minimum-coverage car insurance in Brownsville is $129, 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.
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 $209 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.
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 $334 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.
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 $143, 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.
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 $204 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.
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 $218 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.
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 $218 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.
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 $211 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.
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.
| 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. | $59/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. | $100/mo |
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.
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.
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.
| 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. | $97/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. | $176/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
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.
Affordable rates for high-risk drivers
Mechanical breakdown coverage available
Plenty of discounts
Few optional coverages available
Below-average claims satisfaction rating
No local agents
| User Reviews | 3.5 |
|---|---|
| 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. | $83/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. | $141/mo |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
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.
Offers Mexico and rideshare coverage
Safe driving telematics discount available
Above-average customer satisfaction
Poor Trustpilot score[11]
Below-average claims satisfaction rating
Few local agents
Local rates start as low as $59 per month.
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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:
$30,000 per person and $60,000 per accident of bodily injury liability
$25,000 per accident of property damage liability
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.
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.
We answered common questions from drivers about buying auto insurance in Brownsville, Texas. Check them out below.
Brownsville car insurance costs an average of $169 per month, according to Compare.com data. Liability-only coverage averages $129 per month, while full coverage costs an average of $209 per month.
The cheapest auto insurance company in Brownsville is State Farm, according to Compare.com data. Its auto insurance rates start at $59 per month.
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 $169 per month for auto insurance. For context, the national average rate is $137 per month.
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.
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.
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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 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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