Edinburg, TX Car Insurance

On average, Edinburg drivers pay around $64 a month for their car insurance. Check out our guide below to find out how much you'll pay.
How does Edinburg stack up to the rest of the area, or even Texas as a whole? What rates can residents of Edinburg expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Edinburg?

Area Average Monthly Car Insurance Premium
Edinburg$64
TX$65
United States$81

As you can see in the chart above, it costs about the same to insure your vehicle in Edinburg as it does in the rest of Texas.

If you're thinking of moving to Edinburg from out of state, you may still be in luck. You can expect to pay about $17 less for your policy in Edinburg than in the rest of United States.

While these are the average monthly costs for auto insurance coverage in Edinburg, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.

We've done the heavy lifting for you and broken down the average rate for Edinburg so that you can get a more accurate idea of what your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!

See what you'll pay in just minutes

Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$93
25-34$63
35-44$58
45-54Not Enough Data
55-64$50
65+$56

The longer you've been on the road, the more experienced of a driver you are. That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement age, however, your rates may creep back up in Edinburg.

Average Car Insurance Rates by Gender

Gender Average
Male$65
Female$63

On average, female drivers pay slightly less than male drivers for car insurance. In Edinburg, however, the difference in monthly rates for car insurance is minimal.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$84
Multiple Accidents$103
1 Ticket$86
Multiple Tickets$48

Rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Edinburg with a single accident will pay around $84 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $86 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$54
2-3 Years$65
4-5 Years$74
6-7 Years$79
8-10 Years$62
11-14 Years$63
15 Years or Older$58

As you can see in the first table above, the cheapest vehicles to insure in Edinburg are typically SUVs, trucks, and vans, which run about $58 per month.

On the other hand, car owners, can expect to pay about $69 per month for insurance coverage.

You can also expect to see slightly different rates depending on your vehicle's age. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Edinburg, 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)$71
Married$51
Divorced$56
Widowed$61

Generally, married policyholders will pay slightly less for auto insurance. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

The difference in rates based on relationship status in Edinburg is about $20 a month, with married couples paying less for coverage than single drivers.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$68
Live with parents$87

Your living situation is another component of how insurance companies calculate your monthly rate. In Edinburg, homeowners can expect to pay around $10 a month less than those who rent. But if you live with your parents, your rates will be significantly higher.

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 car insurance premiums.

Car Insurance Companies in Edinburg, TX

Recent trends in car insurance for Edinburg drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

Auto insurance rates in Edinburg rose from 2017-2018, before steadying out in 2019. Policy premiums went up again, hitting a high of $75 in 2021, and finished down at $55 in 2022.

How does Edinburg compare to neighboring areas?

Why are car insurance rates in Edinburg different from other areas?

Car insurance companies will take into account a variety of factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:

  • Laws
  • Access to off-street parking
  • Regional crime rates
  • Amount of drivers
  • Road safety

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Edinburg?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Good news! Compare.com does all of that work for you. Just enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer plans in Edinburg.

Compare the cheapest quotes from dozens of insurance companies

Edinburg Insurance FAQs

What factors affect car insurance quotes in Edinburg?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your credit score, driving record, marital status, and address.

Why is the cost of car insurance in Edinburg different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Edinburg?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Edinburg?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Edinburg or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.

Find your best rate in just a few minutes