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How much is car insurance in Pharr?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Pharr are in line with rates across the rest of Texas.
Car insurance rates in Pharr are more affordable than the national average. It's about $16 cheaper to insure your vehicle in Pharr compared to the average rate for the U.S. as a whole.
While these numbers represent the average monthly payments for coverage in Pharr, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. 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.
Don't worry, we've done the work for you and broken down the average rates for Pharr to help you understand what your monthly premium might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been behind the wheel, the more experienced of a driver you are. When it comes to auto insurance rates, that experience can help put some change back into your pocket. In this case, 18-24-year-olds pay $36 more than drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, you may see your rates creep back up a bit in Pharr.
Average Car Insurance Rates by Gender
Although women typically pay less than men do for auto insurance coverage, this is not the case in Pharr, where female drivers pay around $66 per month while male drivers pay about $62.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
|Multiple Tickets||Not Enough Data|
Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. In Pharr, a driving record with a single accident will usually get you a rate around $58 a month. Similarly, drivers with one ticket will typically pay around $96 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$78|
|15 Years or Older||$52|
The most affordable vehicles to insure in Pharr are by and large trucks and vans, which run about $58 per month.
SUV drivers will see rates of about $64, while the rates for car owners average out to about $66 a month.
Your vehicle's age also plays a role in your monthly payment. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. In Pharr, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$72|
Overall, those who are currently married will pay slightly less for car insurance. This usually happens because companies will award special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Pharr, with married couples paying about $20 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$87|
Another factor taken into consideration is your living situation. Drivers who own property in Pharr can expect to pay around $5 a month less than those who rent. 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 premiums, depending on your insurance company.
Car Insurance Companies in Pharr, TX
Recent trends in car insurance for Pharr 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.
In Pharr, the rates for auto insurance have been mixed over the past few years. They increased in 2016, fell in 2018, and rose again in 2020, before finishing at $68 in 2021.
How does Pharr compare to neighboring areas?
Why are car insurance rates in Pharr different from other areas?
There are numerous factors car insurance companies will consider when deciding how much to charge for a monthly rate. While we mentioned the factors that affect your personal policy, others are based around where you call home. These include things like:
- Amount of drivers in the region
- Road Safety (frequency of car accidents)
- Area crime rates
- Access to off-street parking
- Local laws
An awareness of these factors is important 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 Pharr?
While knowing 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 does all of that work for you. Just put in your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Pharr.
Pharr Insurance FAQs
What factors affect car insurance quotes in Pharr?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Pharr different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates 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 Pharr?
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 Pharr?
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 Pharr 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?