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

State Farm has the cheapest car insurance rates in Brownsville, at $62 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

Qualifications:
  • 5+ years in communications and content creation

  • 2+ years in insurance content


Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.

Updated

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Brownsville drivers pay an average of $166 per month for car insurance. Compare that to the Texas average of $168 per month and the national average of $144 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 $62 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 $62 per month.

  • Brownsville drivers pay an average monthly cost of $117 for liability-only coverage and $215 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: Sunday, November 1 at 12:19 AM PDT. 
Company
Average Monthly Premium
State Farm$62
Progressive$82
Mile Auto$84
GEICO$90
USAA$109
First Acceptance$110
Alinsco$114
Mercury$114
The General$114
GAINSCO$117
Lone Star$119
Commonwealth Casualty$123
Covercube$124
Bristol West$129
Root$130
AssuranceAmerica$136
Dairyland$136
Sun Coast$137
Mendota$138
Allstate$140
Excepsure$141
Safeco$142
Direct Auto$144
Clearcover$145
Loop$149
Elephant$150
National General$154
Trexis One$178
Chubb$186
Insurify Car$192
21st Century$214
Hugo$218
Liberty Mutual$237
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 Sunday, November 1 at 12:19 AM 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$62
Full coverageState Farm$115
TeensState Farm$123
SeniorsState Farm$48
Drivers with a speeding ticketState Farm$79
Drivers with an at-fault accidentState Farm$83
Drivers with a DUIState Farm$88
Drivers with excellent creditState Farm$52
Drivers with poor creditState Farm$91
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: Sunday, November 1 at 12:19 AM PDT. 

Average Liability Rates by Company

Company
Average Monthly Premium
State Farm$62
Progressive$82
Mile Auto$84
GEICO$90
USAA$109
First Acceptance$110
Alinsco$114
Mercury$114
The General$114
GAINSCO$117
Lone Star$119
Commonwealth Casualty$123
Covercube$124
Bristol West$129
Root$130
AssuranceAmerica$136
Dairyland$136
Sun Coast$137
Mendota$138
Allstate$140
Excepsure$141
Safeco$142
Direct Auto$144
Clearcover$145
Loop$149
Elephant$150
National General$154
Trexis One$178
Chubb$186
Insurify Car$192
21st Century$214
Hugo$218
Liberty Mutual$237
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 $215 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: Sunday, November 1 at 12:19 AM PDT. 

Average Full-Coverage Rates by Company

Company
Average Monthly Premium
State Farm$115
Progressive$147
Mercury$186
GEICO$188
Mile Auto$190
USAA$206
Allstate$208
Safeco$211
Root$215
Direct Auto$225
GAINSCO$225
Alinsco$230
Elephant$234
Clearcover$236
AssuranceAmerica$244
Bristol West$246
The General$248
National General$254
Commonwealth Casualty$263
Mendota$263
First Acceptance$271
Lone Star$273
Covercube$277
Sun Coast$277
Loop$279
Dairyland$313
Liberty Mutual$337
Chubb$350
Trexis One$362
21st Century$405
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 $323 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: Sunday, November 1 at 12:19 AM PDT. 

Average Rates for Teens

Company
Average Monthly Premium
State Farm$123
Progressive$160
GEICO$168
Mile Auto$176
Root$203
USAA$204
GAINSCO$211
The General$212
Mercury$213
First Acceptance$214
Alinsco$222
Lone Star$232
Bristol West$235
Commonwealth Casualty$239
Dairyland$241
Covercube$241
Clearcover$244
Sun Coast$267
Mendota$269
Allstate$273
Excepsure$275
Elephant$283
AssuranceAmerica$287
Direct Auto$288
Loop$290
Safeco$298
National General$312
Trexis One$347
Insurify Car$374
Chubb$387
21st Century$390
Hugo$425
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 $140, 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: Sunday, November 1 at 12:19 AM PDT. 

Average Rates for Seniors

Company
Average Monthly Premium
State Farm$48
Mile Auto$65
Progressive$69
GEICO$71
USAA$87
Mercury$88
First Acceptance$93
The General$96
Alinsco$96
Commonwealth Casualty$98
GAINSCO$99
Lone Star$101
AssuranceAmerica$105
Covercube$105
Bristol West$106
Dairyland$114
Sun Coast$116
Direct Auto$116
Mendota$117
Allstate$118
Root$118
Elephant$119
Excepsure$119
National General$119
Safeco$122
Loop$126
Clearcover$126
Chubb$139
Trexis One$151
Insurify Car$162
21st Century$167
Hugo$184
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 $212 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: Sunday, November 1 at 12:19 AM PDT. 

Average Rates With a Ticket

Company
Average Monthly Premium
State Farm$79
Mile Auto$103
Progressive$105
GEICO$119
First Acceptance$140
USAA$141
GAINSCO$142
Alinsco$145
Commonwealth Casualty$150
Lone Star$152
The General$154
Root$156
Covercube$158
Mercury$158
Bristol West$164
Dairyland$170
AssuranceAmerica$174
Sun Coast$175
Mendota$176
Allstate$179
Excepsure$180
Direct Auto$183
Clearcover$186
Elephant$186
Safeco$188
Loop$190
National General$193
Trexis One$227
Chubb$238
Insurify Car$245
Hugo$278
21st Century$283
Liberty Mutual$304
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 $223 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: Sunday, November 1 at 12:19 AM PDT. 

Average Rates With an Accident

Company
Average Monthly Premium
State Farm$83
Progressive$110
Mile Auto$114
GEICO$121
First Acceptance$147
USAA$148
GAINSCO$151
Alinsco$153
The General$158
Lone Star$160
Commonwealth Casualty$164
Root$164
Covercube$166
Mercury$171
Bristol West$173
Dairyland$180
AssuranceAmerica$182
Sun Coast$184
Mendota$185
Allstate$188
Excepsure$189
Direct Auto$198
Elephant$198
Safeco$199
Loop$200
National General$206
Clearcover$207
Trexis One$239
Chubb$251
Insurify Car$257
Hugo$292
21st Century$296
Liberty Mutual$318
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 $233 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: Sunday, November 1 at 12:19 AM PDT. 

Average Rates With a DUI

Company
Average Monthly Premium
State Farm$88
Progressive$115
Mile Auto$119
GEICO$129
First Acceptance$155
USAA$155
The General$157
Alinsco$160
GAINSCO$166
Lone Star$167
Mercury$171
Commonwealth Casualty$174
Covercube$174
Bristol West$183
Root$185
Sun Coast$193
AssuranceAmerica$193
Dairyland$193
Mendota$194
Allstate$197
Excepsure$198
Clearcover$199
Direct Auto$205
Loop$210
Elephant$213
National General$219
Safeco$223
Trexis One$250
Chubb$264
Insurify Car$270
21st Century$294
Hugo$307
Liberty Mutual$337
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: Sunday, November 1 at 12:19 AM PDT. 

Average Rates With Bad Credit

Company
Average Monthly Premium
State Farm$91
Progressive$103
Mile Auto$104
GEICO$106
USAA$136
First Acceptance$138
Mercury$139
The General$141
Alinsco$143
GAINSCO$145
Lone Star$149
Commonwealth Casualty$152
Covercube$155
Bristol West$160
Root$161
AssuranceAmerica$168
Dairyland$168
Sun Coast$171
Mendota$173
Allstate$175
Safeco$176
Excepsure$176
Direct Auto$178
Clearcover$180
Elephant$186
Loop$186
National General$191
Trexis One$223
Insurify Car$240
21st Century$265
Hugo$273
Liberty Mutual$283
Chubb$298

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
4.1
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.
$62/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.
$115/mo
Details
4.1
Best choice in Brownsville, TXBased on 1,094 verified guest reviews and ratings
State Farm's score
Industry average
Coverage options4.03.2
Customer service4.03.6
Discounts3.82.9
Policy transparency3.93.1
Value3.82.9
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 12 Texas reviews for Brownsville driversSee all 435 State Farm reviews
Robert
Verified Review
Positive experience!
My limited experience with my local agent has been great. I filed a claim yesterday, and the person representing the company was excellent—very professional and knowledgeable in getting the claim processed. I would recommend State Farm.
Annette
Verified Review
Very Good!
I don’t have anything bad to say. I haven’t had any problems with you. I called the other day and spoke with a representative about reducing my payment. She helped me, and I’m satisfied. Thank you.
Linda
Verified Review
Crashed: Extreme Temperatures
State Farm agents do not listen to the customer. I said I couldn’t afford monthly payments over $100. I was able to work around the full payment amounts until extreme temperatures resulted in higher electricity bills. I could pay one or the other, or about half of each. I’ll search for more affordable minimum liability coverage for now.
JD Power
JD 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
4.1
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.
$188/mo
Details
4.1
Best choice in Brownsville, TXBased on 899 verified guest reviews and ratings
GEICO's score
Industry average
Coverage options4.13.2
Customer service4.13.6
Discounts3.82.9
Policy transparency3.93.1
Value3.82.9
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 7 Texas reviews for Brownsville driversSee all 349 GEICO reviews
Anisha
Verified Review
Auto Insurance Quotes
Run auto quotes on several insurance company websites to get the lowest price.
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.
JD Power
JD 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
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.
4.5 /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.
$140/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.
$208/mo
Details
4.0
Best choice in Brownsville, TXBased on 618 verified guest reviews and ratings
Allstate's score
Industry average
Coverage options4.03.2
Customer service4.03.6
Discounts3.82.9
Policy transparency4.03.1
Value3.82.9
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 11 Texas reviews for Brownsville driversSee all 241 Allstate reviews
William
Verified Review
Overly Pushy Sales
It’s been average so far, but I haven’t had any claims or problems yet.
Scott
Verified Review
I would think Allstate would review the market and adjust to keep customers in these trying economic times
My rate is twice as high as competitors.
Marilyn Joyce
Verified Review
The customer service rep tells you one thing on the phone, and when you get your policy, the coverage is something different.
The customer service rep tells you one thing on the phone, and when you get your policy, the coverage is something different.
JD Power
JD 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 $62 per month.

Excellent
4.6 out of 5 based on 879 reviews
Secure. Simple. Free to compare.
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 $215 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 $62 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 $144 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

Qualifications:
  • 5+ years in communications and content creation

  • 2+ years in insurance content


Matthew's journalism and AppleCare editing experience help him simplify complex insurance information on Compare.com.