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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. It's around $17 less to insure your vehicle compared to the average rate for the United States as a whole.
These may be the average auto insurance rates for Brownsville, but that doesn't mean it's exactly what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Your monthly premium is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Brownsville residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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. That experience can snag you some serious savings when it comes to auto insurance. According to the table above, you can see that 18-24-year-olds pay significantly more than drivers 65 and older.
For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Brownsville.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Brownsville is around $5 per month. Based on the chart above, you can see that male drivers pay $65 on average, while female drivers typically pay $60 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Brownsville with a single accident on their record will usually see rates around $73 a month. Similarly, drivers with one ticket will typically pay around $80 on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$66|
|15 Years or Older||$58|
In terms of affordable coverage, the cheapest vehicles to insure in Brownsville are usually trucks and vans, at $57 per month.
SUV drivers will see rates of about $63 for auto insurance coverage, while car owners typically pay around $66 a month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. However, once your car is close to 5 years old, you may start to see your monthly premium drop 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)||$70|
More often than not, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
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.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$72|
One other element taken into consideration is your living accommodations. If you rent your home or apartment in Brownsville, expect to pay around $11 a month more than if you own your home. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your car insurance costs, depending on your insurance company.
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 shopping for coverage.
The rates for auto insurance in Brownsville declined from 2017-2019, where they hit a low of $58, before steadying out in 2020. Since 2021, policy premiums have once again been decreasing and reached $69 in 2022.
How does Brownsville compare to neighboring areas?
Why are car insurance rates in Brownsville different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider a number of factors. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Road Safety (how many accidents each locality has)
- Off-street parking accessibility
- Rate of crime
- Regional laws
- Total number of drivers
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Brownsville?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer policies in Brownsville.
Brownsville Insurance FAQs
What factors affect car insurance quotes in Brownsville?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your gender and age, but also factors like your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Brownsville different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
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 however, 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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. 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?