Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best cheap car insurance in Brownsville for 2025
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The best car insurance companies in Brownsville
Bankrate's research indicated five companies that offer solid policies with affordable rates, which are among the best insurance options in Texas. Each company we reviewed was assigned a Bankrate Score out of five. The higher the number, the better the company ranked based on our criteria, which included cost, J.D. Power customer satisfaction ranking, AM Best financial strength ratings, discounts and coverage options and more.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: On top of competitive average rates, Geico won the 2025 Bankrate Award for Best for High-Risk Drivers. Based on Bankrate's analysis, Geico had the lowest average rates for drivers with violations on their record. The provider offers optional roadside assistance, which covers battery jump starts, fuel delivery, lockout service, tire changes and towing. However, options outside of standard coverage are limited.
Why Geico may be the best for discounts: The company offers standard discounts, such as savings for air bags, good students and multi-policy. In addition, it has generous discounts for military members who are deployed as well as members of more than 500 groups and associations.
| Bankrate Score | 4.3 |
| J.D. Power | 651/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: As one of our picks for the best cheap car insurance company in Brownsville, State Farm offers low premiums for minimum and full coverage. The provider sells auto insurance online and through eight Brownsville agencies, offering standard coverage types along with optional rideshare and roadside assistance. State Farm provides 24/7 phone claims support, or you can file online or using the carrier’s mobile app. However, State Farm does not offer gap insurance, which may deter drivers who want coverage for newer vehicles.
Why State Farm may be the best for customer satisfaction: Customer service is where State Farm really shines, coming in fourth place in Texas on J.D. Power's 2025 Customer Satisfaction Index Ranking. This suggests that the company places a high value on its relationships with its customers, and means that your dealings with the company—including claims management—should be efficient and professional.
| Bankrate Score | 4.3 |
| J.D. Power | 645/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: USAA consistently earns one of J.D. Power’s highest scores for customer satisfaction and claims satisfaction, but is ineligible for official ranking because the insurer only offers car insurance to military members, veterans and their eligible family members. With USAA’s usage-based auto insurance program, SafePilot, you could earn up to a 10 percent discount just for enrolling, plus up to 30 percent savings by maintaining safe driving habits. USAA members also enjoy numerous perks, such as discounts at select rental car agencies, ADT Home security monitoring discounts, shopping rewards and travel deals.
Why USAA may be the best for military-focused coverage: As an insurer with a primary focus on military professionals and their family, it's not unexpected that USAA would offer perks especially suited to these customers. The company is known for low average rates and superior customer service, but it also has discounts for cars stored on base and for those who are deployed.
| Bankrate Score | 4.3 |
| J.D. Power | 732/1,000 |
| AM Best Rating | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Allstate made our list: Allstate stands out for its impressive selection of car insurance discounts. The company offers savings for new vehicles, paying in full, responsible payers, smart students, policy bundling and many others. Allstate also offers a usage-based insurance (UBI) program, called Drivewise, which can help you earn a lower premium if you demonstrate safe driving habits. It was rated one of the top insurers for UBI by J.D. Power, and received a great score for digital service in J.D. Power's U.S. Insurance Digital Experience Study. Additionally, accident-free drivers can participate in Deductible Rewards to get up to $500 off their collision insurance deductible.
Why Allstate may be the best for bundled policies: For drivers who are interested in pooling all their insurance needs with a single company for ease of use, Allstate may be a strong contender. In addition to its other discounts, Allstate offers savings for those who purchase both their auto and their home, condo or renters insurance with the company. According to Allstate's website, customers who bundle auto insurance with home insurance can save up to 25% on their premium. Working with a single agent and one company can reduce both the amount of paperwork and management that your policies require.
| Bankrate Score | 3.9 |
| J.D. Power | 636/1,000 |
| AM Best Rating | A+ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Mercury made our list: Drivers who are looking for robust coverage options might want to consider Mercury Insurance. Although the company does not have local agents in Brownsville, drivers can find agents throughout the state. Drivers aged 16 to 25 could earn a discount for safe driving habits, and students with a GPA of 3.0 or higher could also earn savings. Mercury offers several optional coverage types, including mechanical protection, which provides nationwide 24-hour roadside assistance, rental vehicle assistance, road hazard tire protection and trip interruption coverage.
Why Mercury may be the best for rideshare drivers: If you drive for Uber, Lyft or another rideshare company, Mercury offers coverage that can augment the minimal coverage that rideshare providers have for their drivers. This coverage is available for an affordable rate—the company advertises that their rideshare insurance is available for as little as $0.90 a day.
| Bankrate Score | 3.5 |
| J.D. Power | |
| AM Best Rating | A |
The Bankrate Promise
Read our full methodologyAt Bankrate, we strive to help you make smarter financial decisions. While we adhere to strict , this post may contain references to products from our partners. Here's an explanation of . Our content is backed by Coverage.com LLC, a licensed entity (NPN: 19966249). For more information, please see our
78
years of industry experience
10
licensed staff
34.5K
ZIP codes examined
120
carriers reviewed
The cheapest car insurance companies in Brownsville
If saving money is your top priority, our data indicates that there are several cheap Brownsville car insurance companies you may want to consider. Keep in mind that premiums are individualized for each driver, so your rate is likely to differ from the averages. One way to find the best cheap Texas car insurance is to shop around and ask for quotes from a range of insurers to see which can give you the best rate.
|
|
|
|
|---|---|---|
|
$530
|
$1,754
|
|
|
$503
|
$1,915
|
|
|
$571
|
$2,014
|
|
|
$572
|
$2,266
|
|
|
$776
|
$2,679
|
How much is car insurance in Brownsville, Texas?
The average annual cost of car insurance in Texas is $746 for minimum coverage and $2,600 for full coverage. For comparison, the Brownsville averages are $746 for minimum and $2,595 for full coverage.
Brownsville rates for teens
Teens typically pay above-average rates for their insurance. They may have less experience behind the wheel, and statistically, they are more likely than any other age group to engage in risky behaviors such as texting while driving or speeding. Because this means an increased risk for insurers, they usually compensate by charging more for teen drivers. The rates below are for teens who are included on their parents' policy—which tends to be cheaper than if they purchase a policy on their own. In the case of 16- and 17-year-olds, they may not be allowed legally to purchase their own policy.
|
|
|
|
|---|---|---|
|
$1,114
|
$988
|
|
|
$1,208
|
$894
|
|
|
$1,292
|
$1,158
|
|
|
$1,442
|
$1,236
|
|
|
$1,639
|
$1,043
|
|
|
|
|
|---|---|---|
|
$3,120
|
$2,796
|
|
|
$4,005
|
$3,403
|
|
|
$4,016
|
$3,679
|
|
|
$4,253
|
$3,783
|
|
|
$4,384
|
$3,134
|
Brownsville rates for young drivers
Young adult drivers may find that their rates begin to drop as they leave their teen years behind. This is likely to continue throughout their twenties, as long as they maintain a clean driving record. In some regions, their rates may also drop if they get married. To find the best coverage for young drivers, ask for quotes from a range of likely carriers to see who offers you the most affordable price.
|
|
|
|
|---|---|---|
|
$1,060
|
$564
|
|
|
$1,187
|
$614
|
|
|
$1,231
|
$701
|
|
|
$1,659
|
$1,073
|
|
|
$1,884
|
$852
|
|
|
|
|
|---|---|---|
|
$3,158
|
$1,922
|
|
|
$3,986
|
$2,222
|
|
|
$4,001
|
$2,426
|
|
|
$5,966
|
$3,194
|
|
|
$5,967
|
$4,343
|
Brownsville rates for adults
Rates tend to continue to decrease as drivers progress into middle age. However, age isn't the only factor that determines your auto insurance premium. Factors like your credit history, ZIP code, driving record and claim history will all affect your rates in Brownsville.
|
|
|
|
|
|---|---|---|---|
|
$506
|
$503
|
$484
|
|
|
$526
|
$530
|
$518
|
|
|
$604
|
$571
|
$543
|
|
|
$652
|
$572
|
$566
|
|
|
$687
|
$683
|
$664
|
|
|
|
|
|
|---|---|---|---|
|
$1,795
|
$1,754
|
$1,689
|
|
|
$1,916
|
$1,915
|
$1,823
|
|
|
$2,183
|
$2,014
|
$1,886
|
|
|
$2,615
|
$2,266
|
$2,103
|
|
|
$2,914
|
$2,679
|
$2,608
|
Brownsville rates for senior drivers
While rates tend to decrease with age, drivers over the age of 60 may start to see their rates creep back up. This is because age-related risk factors like poor vision and slower reaction speeds can increase the risk of an accident. Below you can see how rates vary for senior drivers from some of the cheapest companies in Brownsville.
|
|
|
|
|---|---|---|
|
$472
|
$588
|
|
|
$493
|
$544
|
|
|
$506
|
$653
|
|
|
$546
|
$690
|
|
|
$625
|
$687
|
|
|
|
|
|---|---|---|
|
$493
|
$1,652
|
|
|
$472
|
$1,930
|
|
|
$506
|
$2,212
|
|
|
$546
|
$2,074
|
|
|
$711
|
$2,814
|
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Compare auto insurance rates
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
The cheapest car insurance in Brownsville by driving record
One of the factors that insurers pay attention to when assigning premiums is your driving record. If you have a clean driving record, it's likely that you will pay less for your policy than someone with multiple violations, all other factors being equal. Even a single speeding ticket or other moving violation may bump up the rate you pay for your policy, depending on your insurer.
Car insurance with a speeding ticket in Brownsville
The average cost of car insurance for Brownsville drivers with a single speeding ticket is higher than for those with no infractions on their record. Some insurers, however, may offer benefits including a discount if you take a defensive driving course after your ticket, so this can be one way to mitigate the effects of an increase.
|
|
|
|
|---|---|---|
|
$579
|
$2,205
|
|
|
$606
|
$1,941
|
|
|
$644
|
$2,282
|
|
|
$683
|
$2,867
|
|
|
$787
|
$3,049
|
Car insurance after an accident in Brownsville
An at-fault accident signals to insurers that you may engage in unsafe driving practices, and they are likely to respond by raising your rate. One exception may be for drivers who have purchased accident forgiveness coverage as part of their policy — this endorsement may, in some cases, mean you won't face an increase after a single accident.
|
|
|
|
|---|---|---|
|
$691
|
$2,122
|
|
|
$725
|
$2,679
|
|
|
$963
|
$3,182
|
|
|
$1,111
|
$4,024
|
|
|
$1,223
|
$4,167
|
Car insurance after a DUI in Brownsville
A DUI is one of the most serious infractions you can have on your license in Brownsville, and you are likely to face civic fees and other penalties if you are convicted of one. In some cases, insurers may not be willing to work with you if you have one or more DUIs on your record, and in that case you would need to look for carriers who offer high-risk insurance.
|
|
|
|
|---|---|---|
|
$771
|
$2,700
|
|
|
$898
|
$3,154
|
|
|
$995
|
$3,830
|
|
|
$1,153
|
$3,877
|
|
|
$1,203
|
$4,251
|
Minimum coverage requirements in Brownsville
As is true in almost all states, Texas requires drivers to carry a minimum amount of liability coverage in order to drive legally on public roads. Texas law mandates that all drivers have at least:
- $30,000 bodily injury liability per person per accident
- $60,000 bodily injury liability total per accident
- $25,000 property damage liability per accident
Although these are minimum limits of your insurance, many insurance experts would recommend that you purchase higher levels of coverage. For example, considering that the average cost of a new car is nearly $50,000, minimum coverage may not be enough to cover your costs in the event of an accident where you total a newer model.
Frequently asked questions
Methodology
Rates
Bankrate utilizes Quadrant Information Services to analyze September 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.
If otherwise specified, the base profile has been modified with the following driver characteristics:
Other profiles
Bankrate Score
Our 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
- Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the National Association of Insurance Commissioners (NAIC).
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated the discount options listed on each company’s website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored in a company’s corporate sustainability efforts.
Tier scores are unweighted to show the company's true score in each category out of a possible five points.