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How much is car insurance in Brownsville?
|Area||Average Monthly Car Insurance Premium|
According to the chart above, the rates you'll pay for coverage in Brownsville are on par with what you would pay anywhere else in Texas.
Drivers relocating from out of state may enjoy some cost savings in Brownsville. The average monthly payment for the U.S. as a whole is about $16 more expensive than in Brownsville.
Although these are the average rates for auto insurance in Brownsville, it's important to remember that you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
Don't sweat it however, we've broken down average rates for Brownsville residents so that you can get a more accurate idea of what you might pay. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
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Brownsville Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel, right? That experience can really work in your favor when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
You can expect to see a decrease in your monthly premium drop about once a decade or so. As you get closer to retirement, however, you may see your rates climb back up in Brownsville.
Brownsville Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. In Brownsville, the difference comes out to about $5 a month. As you can see in the chart above, car insurance for women in the area typically costs around $60 each month, while men pay $65 on average.
Brownsville Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. The rate for drivers in Brownsville with a single accident on their record is about $74 a month. In addition, drivers with one ticket can expect to pay around $78 a month on average.
Brownsville Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$59|
In Brownsville, the cheapest vehicles to insure are by and large trucks and vans, with drivers paying around $58 per month to insure their vehicle.
Car owners can expect to pay an average of around $66 a month for their policy, while SUVs usually cost around $63 a month to insure.
You may also see different rates based on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to decrease if your car is around 5 years old. In Brownsville, the most expensive vehicles to insure are vehicles six-to-seven years old.
Brownsville Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$70|
Generally, those who have settled down into marriage will pay slightly less for auto insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.
The difference in rates based on relationship status in Brownsville can be as much as $18 a month, so it's worth keeping that in mind.
Brownsville Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$69|
Your living situation is another factor that affects your monthly rate. In Brownsville, homeowners can expect to pay around $11 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your average costs.
Car Insurance Companies in Brownsville, TX
Recent trends in car insurance for Brownsville drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Brownsville, auto insurance rates declined from 2017-2019, where it reached a low of $58, before leveling out in 2020. Since 2021, car insurance rates have once again been decreasing and hit $64 in 2022.
How does Brownsville compare to neighboring areas?
Why are car insurance rates in Brownsville different from other areas?
Car insurance companies will take into account a lot of factors when they're choosing how much to charge for a policy. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Community laws
- Total number of drivers in the region
- Off-street parking access
- Road Safety (total number of local car accidents)
- Crime rates
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Knowing 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 particular neighborhood.
How can I find the cheapest car insurance in Brownsville?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Brownsville.
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Brownsville Auto 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 age and gender, 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?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Brownsville?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Brownsville?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Brownsville or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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