Brownsville, TX Car Insurance

The average driver pays $126 per month for auto insurance in Brownsville. If you're paying too much, compare rates side-by-side and save.

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How much is auto insurance in Brownsville?

 

Auto insurance costs an average of $1,522 per year in Brownsville. That's pricier than the statewide average in Texas ($1,415) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Brownsville.

 
CAR INSURANCE: BROWNSVILLE RATES VS. STATE + NATIONAL AVERAGES
Brownsville Average (per year)Texas AverageNational Average
$1,522$1,415$1,548
 
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Brownsville auto insurance rates by company

 

The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical insurance customer, GEICO provides Brownsville's cheapest rates. We've listed the best cheap car insurance companies in Brownsville below.

Use this information as a starting point and be sure to compare quotes specific to your unique driving profile.

 
BROWNSVILLE AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
GEICO$1,294
State Farm$1,303
USAA$1,410
Allstate$2,422

 

Brownsville car insurance premiums by age

The best age for car insurance rates as a driver in Brownsville is your 50s: drivers in this age group pay an average of $1,317 per year. Drivers in their 60s don't pay significantly more ($1,353).

Teen drivers pay Brownsville's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Brownsville is to age out of your teenage years. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Brownsville is $1,731, the largest such difference between any two age brackets.

 
BROWNSVILLE CAR INSURANCE PREMIUMS BY DRIVER AGE
Age groupAverage Annual Rate
Teenagers$3,689
20s$1,958
30s$1,497
40s$1,459
50s$1,317
60s$1,353
70s$1,632
 

Learn more about how age influences auto insurance rates.

 

Brownsville car insurance rates by marital status and gender

 

Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Brownsville, married motorists pay $105 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Brownsville, widowed drivers pay less than those who are single.

Gender is another factor that can affect car insurance rates. In Brownsville, the gap in car insurance costs between genders is $22 per year, with male drivers paying more than female drivers.

 
BROWNSVILLE AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,500
Male$1,522
Single$1,417
Married$1,417
Divorced$1,522
Widowed$1,384
 

Learn more about how gender and marital status have on auto insurance rates.

 

Brownsville car insurance costs by accident and violation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Brownsville drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $762 per year versus the city average. A ticket for speeding results in a $134 rate hike, on average, while a DUI violation costs $783 per year in additional insurance premiums.

 
AVERAGE BROWNSVILLE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Yearly Rate
DWI/DUI$2,305
Reckless Driving$2,284
At-fault Accident (damages less than $1,000)$1,885
At-fault Accident (damages > $2,000)$2,273
Speeding Ticket (16-20 mph over speed limit)$1,656
 

Learn more about the impact of driving violations on car insurance rates.

 

Brownsville auto insurance rates by credit tier

 

It's no secret credit score is closely correlated with car insurance rates. In fact, Brownsville drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 60% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Brownsville, improving your credit to "Fair" could help you earn a $1,285 decrease in yearly insurance premiums.

 
BROWNSVILLE CAR INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$3,172
Fair$1,887
Good$1,522
Very Good$1,415
Exceptional$1,265
 

Get additional information on how credit impacts car insurance costs.

Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including BestCompany.com and USInsuranceAgents.com.