Best Cheap Auto Insurance in Pharr, TX (2021)

The average Pharr, TX auto insurance rates are $378 per month. The minimum auto insurance in Pharr is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Pharr, 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 Pharr, Texas is 30/60/25
  • The cheapest auto insurance company in Pharr is USAA
  • The average commute length in Pharr is 21.8 minutes

Pharr, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Pharr 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 Pharr, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Pharr to other Texas cities, including Corpus Christi auto insurance rates, Austin auto insurance rates, and Dallas auto insurance rates to see how Pharr, Texas auto insurance rates stack up.

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

Minimum Auto Insurance in Pharr, Texas

Pharr, 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 Pharr, Texas.

Minimum Required Auto Insurance Coverage in Pharr, 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 Pharr, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Pharr, 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 Pharr, 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 $3,975 $4,027 $3,927 $3,927 $10,167 $12,332 $4,923 $5,156
American Family $3,104 $3,461 $2,859 $3,286 $8,053 $10,463 $4,438 $5,032
GEICO $2,732 $2,983 $2,724 $3,184 $5,823 $5,890 $2,923 $2,805
Nationwide $3,651 $3,726 $3,211 $3,422 $10,109 $13,104 $4,268 $4,645
Progressive $2,971 $2,836 $2,598 $2,673 $11,352 $12,625 $3,498 $3,528
State Farm $2,148 $2,148 $1,908 $1,908 $5,086 $6,460 $2,332 $2,391
USAA $1,863 $1,889 $1,787 $1,797 $5,071 $5,546 $2,495 $2,698

Cheap Pharr, Texas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Pharr, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,167 $12,332
American Family $8,053 $10,463
GEICO $5,823 $5,890
Nationwide $10,109 $13,104
Progressive $11,352 $12,625
State Farm $5,086 $6,460
USAA $5,071 $5,546

Cheap Pharr, Texas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Pharr, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,927 $3,927
American Family $2,859 $3,286
GEICO $2,724 $3,184
Nationwide $3,211 $3,422
Progressive $2,598 $2,673
State Farm $1,908 $1,908
USAA $1,787 $1,797

Cheap Pharr, 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 Pharr, Texas compared to the annual auto insurance rates with a clean record in Pharr, Texas.

Annual Pharr, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,766 $7,210 $7,476 $4,766
American Family $4,646 $5,884 $5,171 $4,646
GEICO $3,079 $4,052 $3,393 $4,007
Nationwide $4,974 $4,974 $7,472 $5,648
Progressive $4,587 $5,868 $5,393 $5,193
State Farm $2,710 $3,104 $3,666 $2,710
USAA $2,160 $3,192 $3,737 $2,482

Cheap Pharr, Texas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Pharr, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,476
American Family $5,171
GEICO $3,393
Nationwide $7,472
Progressive $5,393
State Farm $3,666
USAA $3,737

Cheap Pharr, Texas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Pharr, Texas

Insurance Company Poor Fair Good
Allstate $7,718 $5,632 $4,813
American Family $6,964 $4,439 $3,857
GEICO $5,620 $3,171 $2,107
Nationwide $6,973 $5,529 $4,799
Progressive $6,010 $5,091 $4,679
State Farm $4,319 $2,685 $2,138
USAA $4,230 $2,461 $1,987

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Cheap Pharr, Texas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Pharr, Texas

ZIP Code Average Annual Rates
78577 $6,649

Cheap Pharr, Texas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Pharr, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,910 $6,199
American Family $5,087 $5,087
GEICO $3,555 $3,711
Nationwide $5,767 $5,767
Progressive $5,260 $5,260
State Farm $3,048 $3,048
USAA $2,855 $2,931

Cheap Pharr, Texas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Pharr, Texas

Insurance Company Low Medium High
Allstate $5,928 $6,007 $6,229
American Family $4,666 $4,851 $5,743
GEICO $3,300 $3,524 $4,075
Nationwide $6,114 $5,504 $5,683
Progressive $4,915 $5,225 $5,641
State Farm $2,844 $3,023 $3,276
USAA $2,768 $2,875 $3,036

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Best By Category: Cheapest Auto Insurance in Pharr, Texas

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

Best Annual Auto Insurance Rates by Company in Pharr, Texas

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

The Cheapest Pharr, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Pharr, Texas

Insurance Company Average Annual Rates
Allstate $6,054
American Family $5,087
GEICO $3,633
Nationwide $5,767
Progressive $5,260
State Farm $3,048
USAA $2,893

What affects auto insurance rates in Pharr, Texas?

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

Pharr Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Pharr, Texas auto theft statistics, there have been 61 auto thefts in the city.

Pharr Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Pharr, Texas commute length is 21.8 minutes according to City-Data.

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Compare Pharr, Texas Auto Insurance Quotes

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