Best Brownsville, Texas Auto Insurance in 2024 (Your Guide to the Top 10 Companies)

Geico, USAA, and State Farm lead the way in providing the best Brownsville, Texas auto insurance, with rates starting as low as $80 per month. Geico offers affordable options, perfect for residents near Boca Chica Boulevard.

USAA provides military families with discounts, while State Farm’s local agents, like those near Alton Gloor Boulevard, offer personalized support. Below you’ll find information on how to get cheap auto insurance in Brownsville, TX, for every age, credit history, and driving record.

If you’re just looking for coverage to drive legally, enter your ZIP code above to compare cheap auto insurance quotes near you.

#1 – Geico: Top Overall Pick

Pros

• Brownsville Driver-Friendly Rates: Geico’s $130/month full coverage in Brownsville beats the city average by $368, helping residents save for other local expenses like fresh seafood from Gamboas.
• Gulf Coast Protection: With Geico’s comprehensive coverage, Brownsville drivers are shielded from hurricane-related damages, crucial given the city’s 12 hurricane disasters in 2019.
• Bordertown Bilingual Service: Geico’s Spanish-language support caters to Brownsville’s large Hispanic population, ensuring clear communication for all policyholders.
• Local Business Vehicle Coverage: Geico offers tailored commercial auto policies for Brownsville’s small businesses, supporting the city’s growing entrepreneurial scene. For a deeper look into the types of commercial coverage that Geico offers, view our Geico auto insurance review.

Cons

• Limited Local Office Hours: Geico’s Brownsville office closes earlier than some competitors, potentially inconveniencing residents who work late shifts at the port.
• Limited Coverage for Cross-Border Travel: Brownsville residents frequently traveling to Matamoros, Mexico, may find Geico’s international coverage options lacking.

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#2 – USAA: Best for Military Discount

Pros

• Brownsville Veteran Focus: USAA’s military-centric policies cater to veterans in Brownsville, home to the Veterans War Memorial of Texas.
• Resaca Flood Protection: USAA’s comprehensive coverage includes protection against flooding from Brownsville’s unique Resaca waterways. To understand how their policies can keep you safe, read our USAA auto insurance review.
• Border Patrol Employee Perks: USAA provides exclusive discounts for Brownsville’s numerous U.S. Customs and Border Protection employees.

Cons

• No Local Cultural Events Sponsorship: Unlike some insurers, USAA doesn’t sponsor Brownsville’s cultural events like the Latin Jazz Festival.
• Absence of Spanish-Language Brownsville Agents: USAA lacks bilingual local agents, a drawback in predominantly Hispanic Brownsville.

#3 – State Farm: Best for Local Agents

Pros

• Brownsville Native Agents: State Farm’s local agents, born and raised in Brownsville, offer unparalleled insights into the city’s unique insurance needs.
• Brownsville Farmer’s Market Vendor Insurance: Local vendors at Brownsville Farmer’s Market can access tailored commercial auto policies from State Farm.
• Historic Brownsville Vehicle Coverage: State Farm offers specialized classic car insurance for vehicles often seen in Brownsville’s historic district. For more details on how their coverage can protect your vintage vehicle, explore our State Farm auto insurance review.

Cons

• Limited Public Transit Discounts: State Farm doesn’t offer significant discounts for users of Brownsville’s B Metro public transportation system.
• No Coverage for Pedicab Drivers: Brownsville’s growing pedicab industry in the entertainment district isn’t covered under State Farm’s policies.

#4 – Progressive: Best for Safe Driver

Pros

• Brownsville Food Truck Coverage: Progressive offers specialized insurance for Brownsville’s thriving food truck scene, including those at Linear Park.
• University Boulevard Student Discounts: Students living along University Boulevard near UTRGV can access significant discounts with Progressive. Want to see how these discounts could work for you? Take a look at our Progressive auto insurance review.
• Palmito Ranch Battlefield Commuter Rates: Progressive offers competitive rates for Brownsville residents who commute to the Palmito Ranch Battlefield historic site.

Cons

• No Brownsville Sports Park Event Coverage: Progressive doesn’t offer special event coverage for vehicles used during events at Brownsville Sports Park.
• Limited Mitte Cultural District Parking Protection: Vehicles parked in the busy Mitte Cultural District may have limited coverage options with Progressive.

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#5 – Allstate: Best for Custom Coverage

Pros

• Brownsville Port Worker Focus: Allstate offers tailored policies for employees of the Port of Brownsville, the city’s economic engine. Learn more about these customized options in our Allstate auto insurance review where we break down the benefits for local workers.
• Children’s Museum of Brownsville Family Discounts: Families with memberships to the Children’s Museum of Brownsville can access unique discounts with Allstate.
• Charity League Volunteer Benefits: Allstate provides special benefits for members of the Brownsville Charity League, supporting their community service.

Cons

• Higher Premiums in Flood-Prone Areas: Residents near Brownsville’s resacas may face higher premiums with Allstate due to flood risks.
• Limited Options for Seasonal Residents: Winter Texans in Brownsville may find Allstate’s policies less flexible for their part-time residency.

#6 – Nationwide: Best for Reliable Service

Pros

• Resaca-Front Property Adjustments: Policies are tailored for homes along Brownsville’s unique resaca system, considering flood risks and scenic premiums.
• UTRGV Campus Driver Discounts: Students and faculty commuting to the University of Texas Rio Grande Valley Brownsville campus enjoy reduced rates.
• Brownsville Metro Bus Driver Coverage: Nationwide provides specialized insurance for Brownsville’s public transit drivers, supporting the city’s transportation infrastructure.

Cons

• No SpaceX Launch Viewing Protection: Unlike some local insurers, Nationwide doesn’t offer special coverage for vehicles parked at SpaceX launch viewing sites.
• Higher Rates for Dean Porter Park Area: Residents near Dean Porter Park may face increased premiums due to event-related traffic risks. Check out how Nationwide tackles these risks in our Nationwide auto insurance review, with tips on keeping your costs in check.

#7 – Farmers: Best for Agent Network

Pros

• Brownsville-Matamoros Sister City Coverage: Farmers offers unique cross-border insurance options for Brownsville residents frequently traveling to Matamoros.
• Charro Days Fiesta Parade Vehicle Insurance: Special event coverage is available for vehicles participating in Brownsville’s annual Charro Days Fiesta parades. Learn more about how Farmers can assist with this type of coverage in our Farmers auto insurance review.
• Mitte Cultural District Art Transport Coverage: Farmers offers specialized insurance for vehicles transporting artwork to and from Brownsville’s Mitte Cultural District.

Cons

• Higher Premiums for Los Ebanos Neighborhood: Residents of Brownsville’s historic Los Ebanos neighborhood may face increased rates due to narrow streets and parking challenges.
• Limited Options for South Padre Island Commuters: Brownsville residents regularly commuting to South Padre Island may find Farmers’ coverage less tailored to their needs.

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#8 – Liberty Mutual: Best for Unique Coverage

Pros

• Linear Park Fitness Enthusiast Discounts: Brownsville residents who regularly use Linear Park for fitness activities can access special rate reductions. Learn more about how they offer these discounts in our Liberty Mutual auto insurance review.
• Brownsville Performing Arts Center Event Protection: Liberty Mutual provides specialized coverage for vehicles during events at this popular Brownsville venue.
• Jacob Brown Auditorium Conference Attendee Benefits: Visitors attending conferences at Brownsville’s Jacob Brown Auditorium can access short-term policy adjustments.

Cons

• Higher Rates for Southmost Neighborhood: Residents of Brownsville’s Southmost area may face increased premiums due to higher traffic density.
• Limited Options for Winter Texan Vehicles: Seasonal residents in Brownsville may find Liberty Mutual’s policies less flexible for their part-time vehicle use.

#9 – Travelers: Best for New Car

Pros

• Historical Association Tour Vehicle Coverage: Travelers offers specialized insurance for vehicles used in tours of Brownsville’s historical sites. Check out our Travelers auto insurance review to get the scoop on how these policies work and what coverage options you have.
• UTRGV Brownsville Campus Rideshare Protection: Students using rideshare services around the University of Texas Rio Grande Valley campus receive tailored coverage.
• Brownsville Birding Festival Participant Benefits: Travelers provides unique auto insurance options for birdwatchers attending Brownsville’s annual Birding Festival.

Cons

• Higher Premiums for Olmito Area Residents: Brownsville residents in the Olmito area may face increased rates due to its semi-rural classification.
• No Special Rates for Brownsville Metro Bus Users: Unlike some insurers, Travelers doesn’t offer discounts for regular users of Brownsville’s public transportation system.

#10 – American Family: Best for Bundling Discounts

Pros

• Independent School District Employee Benefits: American Family offers specialized auto insurance packages for employees of Brownsville’s largest school district.
• Boca Chica State Park Beachgoer Protection: Tailored coverage options for Brownsville residents frequently visiting nearby Boca Chica State Park. Check out our American Family auto insurance reviewto learn more about these customized policies.
• Brownsville Latin Jazz Festival Participant Coverage: American Family provides specialized protection for vehicles involved in this annual Brownsville cultural event.

Cons

• Higher Rates for Downtown Brownsville Parking: Vehicles regularly parked in downtown Brownsville may face increased premiums due to higher risk assessments.
• Brownsville-Port Isabel Highway Commuters: Brownsville residents who frequently travel this busy corridor may find American Family’s policies less accommodating.

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Main Factors Influencing Auto Insurance Rates in Brownsville, TX

Your car insurance provider considers factors like how much you drive and your city’s theft rates. Below’s the average rates for both minimum and full coverage from the top insurers in Brownsville.

Brownsville, Texas has a commute time average of eighteen minutes, which is less than the national average. Complete coverage rates may be lower given that 121 car thefts were reported in 2019. In addition, Brownsville experienced 12 hurricanes in 2019, making comprehensive coverage a wise decision.

Want to save some cash on auto insurance in Brownsville, Texas? Check out the best providers that offer a bunch of discounts to help you bring those rates down.

Take advantage of these discounts to maximize your savings and secure the best coverage for your needs. Don’t miss out on potential savings with pay-in-full auto insurance discounts from your chosen provider.

Monthly Brownsville, TX Car Insurance Rates

Check out the following list to see the monthly auto insurance rates for Brownsville, Texas, broken down by ZIP Code:

For more information, see auto insurance rates by ZIP code: what you need to know. Regarding pricing, there is a significant variation based on the age of the customer, as the top insurance provider for one age group might not be the best among others.

Unless you live in California, Hawaii, or Massachusetts, where credit discrimination is illegal, your Brownsville auto insurance rates will depend on your credit score. For more information on the impact of your credit score, see auto insurance and your credit score.

Driving record affects Brownsville auto insurance rates. Despite other factors, a Brownsville, Texas DUI may raise your auto insurance rates by 40–50%. See chart below:

Factors affecting auto insurance rates in Brownsville, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Brownsville, Texas auto insurance.

These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk.

Texas does use gender, so check out the average monthly auto insurance rates by age and gender in Brownsville, TX. For more information, see male vs. female auto insurance rates.

Legal Auto Insurance Requirements in Brownsville, TX

All Brownsville drivers have to meet the Texas state law minimum requirements for auto insurance. In Texas, you have to carry at least:

• $30,000 per person and $60,000 per incident for bodily injury liability (BIL) insurance
• $25,000 per incident for property damage

Texas is an at-fault state. How are at-fault accidents defined? At-fault means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

Brownsville, TX auto insurance rates are higher than the national average. Numerous factors, such as traffic violations and accidents, as well as demographics, can affect this disparity and raise premiums. Auto insurance for young adults and teens can be much more expensive.

The easiest way to snag cheap auto insurance in Brownsville, TX is by finding discounts. If you don’t qualify for any, just keep looking until you find a policy that fits your budget. Avoid expensive auto insurance premiums by entering your ZIP code below to see the cheapest rates for you.

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