Best Cheap Auto Insurance in Harlingen, TX (2021)

The average Harlingen, TX auto insurance rates are $342 per month. The minimum auto insurance in Harlingen is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Harlingen, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The minimum auto insurance required in Harlingen, Texas is 30/60/25
  • Average auto insurance rates in Harlingen, TX for senior drivers are $2,537 per year
  • The average commute length in Harlingen is 17.1 minutes

Harlingen, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Harlingen can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Harlingen, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Harlingen to other Texas cities, including San Antonio auto insurance rates, Houston auto insurance rates, and Arlington auto insurance rates to see how Harlingen, Texas auto insurance rates stack up.

Before you buy Harlingen, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Harlingen, Texas auto insurance quotes.

Minimum Auto Insurance in Harlingen, Texas

Harlingen, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Harlingen, Texas.

Minimum Required Auto Insurance Coverage in Harlingen, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Harlingen, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Harlingen, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Harlingen, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,789 $3,839 $3,745 $3,745 $9,657 $11,714 $4,690 $4,912
American Family $2,547 $2,839 $2,376 $2,725 $6,668 $8,644 $3,644 $4,128
GEICO $2,330 $2,529 $2,301 $2,652 $4,966 $5,061 $2,496 $2,426
Nationwide $3,468 $3,543 $3,050 $3,253 $9,499 $12,319 $4,042 $4,399
Progressive $2,468 $2,364 $2,177 $2,229 $9,675 $10,797 $2,919 $2,960
State Farm $1,982 $1,982 $1,758 $1,758 $4,653 $5,904 $2,148 $2,206
USAA $1,955 $1,991 $1,867 $1,887 $5,223 $5,743 $2,621 $2,855

Cheap Harlingen, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Harlingen, Texas is a challenge. Take a look at the annual teen auto insurance rates in Harlingen, Texas.

Annual Auto Insurance Rates for Teen Drivers in Harlingen, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,657 $11,714
American Family $6,668 $8,644
GEICO $4,966 $5,061
Nationwide $9,499 $12,319
Progressive $9,675 $10,797
State Farm $4,653 $5,904
USAA $5,223 $5,743

Cheap Harlingen, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Harlingen, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Harlingen, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,745 $3,745
American Family $2,376 $2,725
GEICO $2,301 $2,652
Nationwide $3,050 $3,253
Progressive $2,177 $2,229
State Farm $1,758 $1,758
USAA $1,867 $1,887

Cheap Harlingen, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Harlingen, Texas compared to the annual auto insurance rates with a clean record in Harlingen, Texas.

Annual Harlingen, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,543 $6,854 $7,104 $4,543
American Family $3,838 $4,844 $4,266 $3,838
GEICO $2,628 $3,455 $2,897 $3,400
Nationwide $4,700 $4,700 $7,052 $5,335
Progressive $3,883 $4,976 $4,551 $4,383
State Farm $2,494 $2,851 $3,358 $2,494
USAA $2,261 $3,324 $3,888 $2,598

Cheap Harlingen, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Harlingen, Texas is not easy. Compare the annual rates for DUI auto insurance in Harlingen, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Harlingen, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,104
American Family $4,266
GEICO $2,897
Nationwide $7,052
Progressive $4,551
State Farm $3,358
USAA $3,888

Cheap Harlingen, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Harlingen, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Harlingen, Texas

Insurance Company Poor Fair Good
Allstate $7,350 $5,358 $4,576
American Family $5,732 $3,663 $3,194
GEICO $4,771 $2,706 $1,809
Nationwide $6,591 $5,219 $4,530
Progressive $5,056 $4,313 $3,976
State Farm $3,966 $2,467 $1,965
USAA $4,441 $2,557 $2,056

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Cheap Harlingen, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Harlingen, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Harlingen, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Harlingen, Texas

ZIP Code Average Annual Rates
78550 $6,070
78552 $5,947

Cheap Harlingen, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Harlingen, Texas auto insurance. Find the cheapest annual Harlingen, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Harlingen, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,626 $5,897
American Family $4,196 $4,196
GEICO $3,033 $3,157
Nationwide $5,447 $5,447
Progressive $4,449 $4,449
State Farm $2,799 $2,799
USAA $2,978 $3,057

Cheap Harlingen, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Harlingen, Texas? Check out the comparison of annual Harlingen, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Harlingen, Texas

Insurance Company Low Medium High
Allstate $5,633 $5,713 $5,938
American Family $3,848 $4,005 $4,736
GEICO $2,856 $3,024 $3,405
Nationwide $5,795 $5,197 $5,347
Progressive $4,182 $4,426 $4,738
State Farm $2,622 $2,779 $2,996
USAA $2,899 $3,001 $3,153

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Best By Category: Cheapest Auto Insurance in Harlingen, Texas

Compare the cheapest auto insurance companies in Harlingen, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Harlingen, Texas

Category Insurance Company
Teenagers GEICO
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation State Farm

The Cheapest Harlingen, Texas Auto Insurance Companies

What auto insurance companies in Harlingen, Texas are the cheapest? Compare the top Harlingen, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Harlingen, Texas

Insurance Company Average Annual Rates
Allstate $5,761
American Family $4,196
GEICO $3,095
Nationwide $5,447
Progressive $4,449
State Farm $2,799
USAA $3,018

What affects auto insurance rates in Harlingen, Texas?

There are a lot of reasons why auto insurance rates in Harlingen, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Harlingen, Texas. Many local factors may affect your Harlingen auto insurance rates.

Harlingen Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Harlingen, Texas auto theft statistics, there have been 75 auto thefts in the city.

Harlingen Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Harlingen, Texas commute length is 17.1 minutes according to City-Data.

Harlingen Traffic

How does Harlingen, Texas rank for traffic? According to Inrix Harlingen, Texas is the 997th most congested worldwide.

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Compare Harlingen, Texas Auto Insurance Quotes

Before you buy Harlingen, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Harlingen, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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