Best Auto Insurance Rates in Brownsville, Texas

On average, your neighbors pay $77 a month.

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Brownsville, Texas is the only Texas city that is located between the Rio Grande and the Gulf of Mexico. With such a distinctive location, Brownsville is a sought after area for importing and exporting goods. With all that trading industry success and a flourishing economy, Brownsville residents deserve cheap car insurance rates.

Average Brownsville Car Insurance Rates

How much is car insurance in Brownsville, TX? Residents shouldn't be surprised that average rates in Brownsville are higher than the national average. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your limits, coverage, and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local agents. Comparing quotes can help you find cheap car insurance rates near Brownsville, Texas and save up to 40% on your premium.

Last year, 3,294 people used QuoteWizard to compare car insurance quotes in Brownsville, TX from multiple companies and find the cheapest rates.

Best Car Insurance Companies in Brownsville, TX

These were the most common car insurance companies reported by QuoteWizard users living in Brownsville, Texas last year. 182 of these users were uninsured.

Top 10 Vehicles in Brownsville

These are the most common car makes and models owned by Brownsville, TX drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Nissan Sentra S/SV/SR/SL
  3. Chevrolet C1500 Silverado
  4. Nissan Altima 2.5/S/SV/SL
  5. Chevrolet Cavalier
  6. Jeep Grand Cherokee Laredo
  7. Nissan Versa S/S Plus/SV/SL
  8. Chevrolet Malibu
  9. Ford Fusion SE
  10. Chevrolet Equinox
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Brownsville, TX

Brownsville, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The total your carrier will pay for property damage caused by a car accident.

Brownsville Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Brownsville, TX ranked second out of 200 US cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 14.5 years, 24.6% better than the national average, making it one of the safest US cities for driving.

Brownsville drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors that can influence insurance rates are weather and road conditions.

Weather

Brownsville, Texas located right on the Gulf Coast experiences a semi-tropical climate year round. Winters are mild, with the coldest month being January, with an average temperature of 63 degrees. The average temperature is 74 degrees and an average of 25.55 inches of rain falls annually. Residents enjoy an annual average of 234 sunny days.

Road Conditions

TRIP reports that 16 percent of Texas's roads are in poor condition and 51 percent are rated mediocre or fair. The poor conditions of the roads in Texas cost drivers a total of $25.1 billion every year for vehicle operating costs, congestion delays and car accidents.

Traffic Congestion

In 2015, the Texas A&M Transportation Institute (TTI) ranked Brownsville 94th in the nation for yearly delays per commuter. According to the TTI study, residents spend an extra 21 hours a year stuck in traffic congestion and waste 11 gallons of fuel annually. The total cost per commuter is estimated by the TTI to be $494 per year on average.

Moving Violations

Moving violations such as speeding tickets, at-fault accidents, and reckless driving will give you a bad driving record and raise your insurance rates through the roof.

Traffic Tickets

The Brownsville Municipal Court website allows you to pay traffic citations, tells drivers how to contest tickets, provides a way to request a driving safety course, and provides helpful traffic court information.

Brownsville Police issued 27,721 traffic citations in 2014.

SR-22 DWI Insurance

If you've been convicted of a DWI and need to obtain an SR-22 form, request a quote and we will connect you with local insurance agents from top insurance companies that specialize in Brownsville, TX DWI insurance.

Car Accident Statistics

Brownsville officials reported 4,105 car crashes in 2016. These crashes resulted in 1,375 injuries, 104 of them incapacitating.

DWI Crashes and Injuries

Brownsvile reported 131 crashes involving alcohol or drugs in 2016. These accidents involving impaired drivers caused 107 injuries and two fatalities.

Traffic Fatalities

Brownsville experienced 15 fatal collisions in 2016 resulting in 15 deaths in motor vehicle crashes.

This works out to a fatality rate of 8.16 per 100,000 residents. All traffic deaths are a tragic loss, and considering Brownsville’s estimated population of 183,823, this city ranks among the nation's safest in terms of traffic fatalities per capita.

Vehicle Theft Rates

Brownsville reported 143 vehicle thefts in 2016. This is a rate of 0.78 per 1,000 residents, far below the national rate of 2.20 stolen cars per 1,000 people.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. Below are only some of the car insurance discounts available to drivers in Brownsville, TX.

  1. Bundle your auto insurance with your homeowners, renters, or life policy. Bundling your policies with a single insurer can save you as much as 15%
  2. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  3. Install anti-theft devices or a car alarm system
  4. Live in a safe zip code with low crime rates. People that live in areas with high crime and poor driving conditions file more insurance claims
  5. Drive less. Live close to work and get the low mileage discount
  6. Safe driver. If you have a perfect driving record with no tickets or accidents, you may qualify for the safe driver or accident-free discount.
  7. Get a new car with advanced safety features like electronic stability control or anti-lock brakes
  8. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  9. Are you married or getting married soon? Many insurers offer a discount for married couples
  10. Shop around and compare low-cost Brownsville car insurance quotes to discover all the discounts you qualify for

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