Cheapest Auto Insurance in Brownsville, Texas (2025)

In Brownsville, car insurance costs an average of $166 a month, which is close to the Texas state average of $171. For comparison, the national average rate is $143. 

A growing population in the state is partly to blame for the city’s more expensive insurance costs. Additionally, Brownsville’s location in the Rio Grande Valley exposes it to threats like tornadoes, flash flooding, and wildfires, further driving up car insurance costs.1

Comparing quotes is crucial to finding a great deal on Brownsville car insurance. Just remember that your cost depends on your circumstances and coverage needs.

Best and cheapest car insurance companies in Brownsville

Finding cheap auto insurance isn’t easy. Drivers in the state of Texas saw a 25% jump in premiums in 2023, according to Insurify’s latest car insurance pricing report. But Brownsville drivers can still find affordable rates and good service. Here are three top insurers to consider.

Best insurer for liability-only coverage: State Farm

Best insurer for young drivers: Allstate

Best insurer for drivers with a DWI: GEICO

How to get the cheapest car insurance in Brownsville

To reduce your premiums, it helps to know what insurance rating factors contribute to a car insurance quote. Insurers consider driving history, vehicle type, marital status, credit history, and where you park overnight. Consider these strategies to increase your savings on your next car insurance bill:

• Ask about discounts. While car insurance discounts can vary by auto insurance company, many offer discounts for good grades, safe drivers, and eco-friendly vehicles.

• Increase policy deductibles. Higher deductibles can lower your rates, but it means you’ll pay more out of pocket if you file a claim.

• Bundle policies. Combine home or renters insurance with auto insurance to take advantage of bundling discounts.

• Shop around. Low auto insurance rates won’t just appear on your doorstep. Get multiple quotes to compare coverage and choose the best deal.

Cheapest liability-only car insurance in Brownsville

Liability car insurance doesn’t cover your car’s dents. It pays for damages and injuries you cause to others in a car accident. This coverage meets Texas’ auto insurance requirements but can leave gaps in your protection.

In Brownsville, State Farm leads the pack for budget-friendly liability-only car insurance, averaging a rate of just $55 a month. The table below shows the average car insurance quotes for liability coverage from the best companies in Brownsville.

Cheapest full-coverage car insurance in Brownsville

While liability insurance offers minimum coverage for damages you cause to others, full-coverage car insurance goes the extra mile. You’ll get protection for your vehicle’s damages. If you’re financing or leasing a vehicle, your lender may require full coverage. However, it’s also helpful if you’re looking for more peace of mind.

The average cost of full coverage in Brownsville is $207 a month, and the table below shows the cheapest car insurance companies for full coverage in the city.

Car insurance requirements in Texas

Texas auto insurance has specific requirements, including having a 30/60/25 policy with personal injury protection (PIP) included. If you don’t want PIP coverage, you must inform your insurer in writing. The state uses a fault system, which means you’re on the hook for damages and injuries if you cause an accident. However, minimum coverage may not always cover the full scope of expenses, and the Texas Department of Insurance (TDI) suggests increasing your coverage limits.

Here are the minimum car insurance requirements in Texas:2

Buying more than the bare-minimum coverage is a good idea. Brownsville’s best car insurance companies offer additional coverage to customize your policy. Two common options are collision and comprehensive insurance, but TDI specifically mentions five add-ons to increase your coverage:

Cheapest car insurance for drivers with an incident

At-fault accidents, speeding tickets, DWIs, and other incidents can cause your auto insurance prices to surge. Insurers see these traffic violations as indicators of risky behavior, which increases the potential of having to pay future claims. If your driving record isn’t perfect, you aren’t doomed to high rates — savvy Brownsville drivers can still find cost-effective coverage.

Cheapest car insurance for drivers with a speeding ticket: State Farm

Getting a speeding ticket means more than an immediate fine. It sends a message to insurers that you might be a high-risk driver, potentially leading to more expensive auto insurance coverage. The overall average cost of car insurance for Brownsville drivers with a speeding ticket is $199 a month.

If you’re ready to compare coverage options, look at the table below. It shows how Brownsville car insurance companies measure up for drivers with speeding tickets.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you cause an accident, you’re not only responsible for paying for the injuries of the other driver and their passengers, but it also puts you in a riskier category for car insurance. A riskier profile often translates to steeper auto insurance premiums. Some insurers offer accident forgiveness, providing some financial relief, even for at-fault accidents.

You may also see lower rates by switching to a different insurance company. In Brownsville, the overall average for car insurance after an at-fault accident is $212 per month. To start your search, consider the insurers in the table below.

Cheapest car insurance for drivers with a DWI: State Farm

Driving under the influence isn’t just a legal misstep — it casts a shadow over your insurance rates. In 2021, the Brownsville Police Department reported 3.5 times more alcohol-related car accidents than in 2020.3 

Drunk driving increases your risk level, leading insurers to hike up your premiums — the overall average cost for insurance after a DWI in Brownsville is $267 a month. You may also need to file an SR-22 certificate to verify insurance coverage.

Check out the table below for a comparison of Brownsville insurance quotes for drivers with a DWI.

Cheapest car insurance for seniors: State Farm

Car insurance rates can change as drivers age. Rates typically decrease around age 35 due to better driving habits and more experience. While seniors are often safe drivers, premiums tend to rise by age 70 because they’re more likely to get into fatal car accidents.4

Seniors drivers in Brownsville pay an average of $106 a month for liability insurance and $176 a month for full coverage. Other Brownsville car insurance companies offer affordable coverage for senior drivers, as shown in the table below.

Cheapest car insurance for teens: State Farm

Being a teen driver can be fun, but it’s often costly when it comes to car insurance. Teens are new to driving and likely to make more mistakes, so insurance companies see them as risky and charge them more. To save money, young drivers can rely on a few strategies:

• Stay on their parents’ insurance plan. Adding a teen to a parent’s policy is cheaper than buying separate coverage.

• Choose a safe car. Vehicles with better safety ratings qualify for lower premiums.

• Earn good grades. Insurers often provide good student discounts.

• Complete a driver’s education course. Taking a driver’s education course can open up insurer discounts.

Brownsville car insurance costs for teen drivers are an average of $245 a month for liability only and $406 for full coverage. Check out the table below to see how companies offer different quotes for teen drivers.

Brownsville car insurance quotes by credit tier

While Texas has some of the toughest rules about how insurers use credit information, credit history is still a primary factor for car insurance quotes.6 It’s common for drivers with poor credit scores to pay twice as much as drivers with excellent or good credit scores, even if they have a safe driving record.

Here’s how monthly rates stack up based on different credit levels for Brownsville drivers.

Is car insurance more expensive in Brownsville?

Location plays a big role when insurers calculate car insurance quotes. Prices vary by city and ZIP code, and Brownsville auto insurance premiums are more expensive on average. While rates in the city are similar to the Texas average, Brownsville insurance policies cost more than the national average.

More cities in Texas

Here’s how other Texas cities compare to Brownsville’s car insurance costs.

Brownsville car insurance FAQs