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How much is car insurance in Brownsville?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, it costs about the same to insure your vehicle in Brownsville as it does in the rest of Texas.
Compared to the rest of the country, auto insurance in Brownsville is more affordable. It's about $19 cheaper to insure your vehicle in Brownsville compared to the average rate for the United States as a whole.
Although these are the average monthly costs for an auto insurance policy in Brownsville, that doesn't mean it's exactly what you'll pay. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining the bill you'll see each month.
But don't worry, we've broken down the average rate for Brownsville residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. When it comes to car insurance rates, that experience can really pay off. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see a decrease in your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may rise again in Brownsville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Brownsville, the difference is around $4 per month. Based on the chart above, you can see that male drivers pay $63 on average, while female drivers typically pay $59 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|1 Ticket||Not Enough Data|
Your driving record can have a tremendous impact on your car insurance rates. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. The rate for drivers in Brownsville with a single accident on their record is about $70 a month.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$58|
The most affordable vehicles to insure in Brownsville are typically trucks and vans, which run about $57 per month.
Cars and SUVs, on the other hand, cost about the same to insure, around $62 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Brownsville, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
On average, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Brownsville as well, where the difference is around $16 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$75|
Another factor that comes into play is your housing status. Those who own their own home in Brownsville can expect to pay around $14 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Brownsville, TX
Recent trends in car insurance for Brownsville drivers
Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.
In Brownsville, the rates for auto insurance went up from 2016-2017, before turning downward from 2018-2019. They finished down in 2021, at $60 a month.
How does Brownsville compare to neighboring areas?
Why are car insurance rates in Brownsville different from other areas?
Car insurance companies will consider several factors when trying to decide how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (total number of local car accidents)
- Amount of drivers in the area
- Regional regulations
- Availability of off-street parking
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Brownsville?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But wait! Compare.com can handle all of this for you. Put in your ZIP below, answer a few questions on you and your car, and you'll be quickly comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Brownsville.
Brownsville Insurance FAQs
What factors affect car insurance quotes in Brownsville?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Brownsville different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like local laws, crime rates, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Brownsville?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Brownsville?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Brownsville or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?