The best car insurance in Brownsville, TX

By

Erin Gobler

Erin Gobler

Insurance Expert

Erin Gobler is a freelance insurance writer at Policygenius, specializing in auto insurance. Erin has been writing about insurance and other personal finance topics since 2018 and has been published in some of the industry’s leading publications.

Published November 1, 2021

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The average car insurance rate in Texas is $1,840. The state’s premiums are slightly higher than the national average, and the average car insurance rate in Brownsville is even higher at $2,113. But luckily, plenty of insurance companies in Brownsville offer average rates that are lower than the overall state average.

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If you’re in the market for car insurance, it’s important to shop around to get the best rate for the coverage you need. Policygenius can help you get quotes from the top insurers in your area and choose the best coverage for your needs.

Key Takeaways

  • Germania Insurance has the cheapest average insurance rates in Brownsville

  • Germania Insurance and State Farm offer the lowest average rates for Brownsville drivers with bad credit

  • Texas drivers must have at least $30,000 per person and $60000 per accident of bodily injury liability coverage and $25,000 of property damage liability coverage

Cheapest car insurance companies in Brownsville, TX

When you sign up for car insurance, your carrier uses a variety of information to set your premiums. Your age, gender, driving history, location, and more are all important factors. And while all insurers rely on the same basic information, each has its own system for setting rates. As a result, one driver may receive very different quotes from different providers.

The average car insurance rate in Brownsville is $2,113, but as you can see below, insurance rates can vary dramatically from one provider to the next. Germania Insurance has the cheapest rates, while USAA has the most expensive.

Company

Average cost

JD Power Rating

Germania Insurance

$1,233

--

State Farm

$1,260

881

GEICO

$1,361

871

Texas Farm Bureau

$1,402

--

USAA

$1,774

890

Cheapest car insurance rates by ZIP code in Brownsville, TX

Your location is one of the most important factors in determining your car insurance rates. Not only do insurers consider your city, but they also use your ZIP code as a factor. Certain Brownsville ZIP codes may have lower insurance rates because of fewer accidents, a lower crime rate, or a lower rate of uninsured drivers. Below you can see the average car insurance rate in the different Brownsville ZIP codes.

ZIP code

Average cost

78520

$2,123

78521

$2,114

78526

$2,138

78575

$2,077

Choosing the right car insurance company in Brownsville, TX

When shopping for a car insurance policy, it’s important to find the right balance between getting all the coverage you need and paying an affordable price. And because insurance rates can vary from one provider to the next, it’s important to shop around for the best policy. Policygenius can help you find the best insurance rate available without sacrificing the quality of coverage.

Car insurance rates for drivers with driving violations in Brownsville, TX

Your driving history is one of the most important factors that insurers consider when setting your insurance rates. When you sign up for a policy, your insurer will look at your motor vehicle record to see if you have any driving violations such as accidents, speeding tickets, or DUIs. Having a driving violation on your record is likely to increase your insurance rates. As you can see below, the rate increase you’ll see depends on your insurance company and the type of offense it is. Luckily, violations often fall off your record after a few years, in which case your rate may go back down.

Violation

Germania Insurance

State Farm

GEICO

Texas Farm Bureau

USAA

At-fault Accident

$1,670

$1,505

$2,100

$2,378

$2,882

DUI

$2,768

$2,010

$2,318

$6,730

$2,852

Driving with a suspended license

$2,218

$1,758

$2,318

$2,430

$2,648

Driving with an open container

$1,314

$1,910

$2,318

$6,730

$2,170

Driving with expired registration

$1,314

$1,279

$1,603

$1,551

$2,170

Driving without Lights

$1,314

$1,279

$1,603

$1,551

$2,170

Failure to show documents

$1,314

$1,279

$1,603

$1,551

$2,170

Failure to stop at a red light

$1,314

$1,279

$1,603

$1,551

$2,170

Cheapest car insurance for drivers with bad credit in Brownsville, TX

Research has linked credit history with the chances of filing a car insurance claim. In general, that research shows that drivers with poor credit are more likely to file a claim, while drivers with good credit are less likely to file a claim. As a result, insurance companies tend to increase rates for drivers with bad credit. In fact, you can see in the table below that the average rate for someone with bad credit can easily be $1,000 per year higher than for other drivers.

Texas law does have some limits as to what information that insurance companies can use. Your insurer can’t use medical debt in collections, credit checks for insurance coverage, or credit checks you didn’t request when setting your rates.

Company

Rates for drivers with bad credit

Germania Insurance

$2,423

State Farm

$2,650

Auto Club Group

$2,936

USAA

$3,352

Redpoint County Mutual

$3,372

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Buying car insurance in Brownsville, TX

Like nearly every other state, Texas requires all drivers to carry a certain amount of car insurance to legally operate a vehicle. The state requires that drivers have the following minimum liability coverage:

  • Bodily injury liability coverage of $30,000 per person and $60,000 per accident

  • Property damage liability coverage of $25,000

Texas isn’t a no-fault insurance state. As a result, the driver that causes an accident is financially responsible for all damage to people and property. The liability coverage all drivers carry is intended to cover their liabilities if they cause an accident. Drivers can also purchase liability coverage that’s higher than the state minimum to avoid paying anything out of their own pocket in the event of an expensive accident.

Drivers caught without car insurance in Brownsville may be subject to penalties. On a first offense, you may get a fine of between $175 and $350. If you’re caught driving without insurance again, you could have your car impounded for up to $180 and be responsible for the impoundment fees. You’ll have to show proof of insurance before you can get your car back.

In addition to the required liability coverage, Texas also requires that insurance companies include uninsured and underinsured motorist coverage in all policies. As a customer, you can decline this coverage, but you’ll have to do so in writing.

How to get cheap car insurance in Brownsville, TX

Frequently asked questions

How much does car insurance cost in Brownsville?

Brownsville drivers pay an average car insurance rate of $2,113, which is higher than the national average, but many Brownsville insurance companies offer lower average rates.

Who is the cheapest Brownsville insurance company?

Germania Insurance has the cheapest Brownsville insurance premiums, with an average rate of $1,233. State Farm has the second cheapest, with an average rate of $1,260.

How can I lower my insurance premium in Brownsville?

There are plenty of ways to save money on car insurance, including taking advantage of discounts that your provider offers, increasing your deductible, and shopping around for the best rate.

How much car insurance do I need in Brownsville?

Texas requires all drivers to carry at least $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $25,000 of property damage liability coverage.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.