Edinburg, TX Car Insurance

Auto insurance costs an average of $133 per month in Edinburg. If you're paying too much, compare rates and save.

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How much does auto insurance cost in Edinburg?


Car insurance costs an average of $1,600 per year in Edinburg. That's greater than than the Texas average ($1,415) and more expensive than the national average of $1,548. Continue reading to learn how much you can expect to pay for insurance based on your marital status, age, credit score and other factors in Edinburg.


EDINBURG AUTO INSURANCE RATES
Edinburg Average (annual)Texas AverageNational Average
$1,600$1,415$1,548

Table of contents:

Edinburg car insurance premiums by insurer


One way to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical insurance customer, State Farm provides Edinburg's cheapest rates. See below the best companies for cheap auto insurance in Edinburg.


EDINBURG CAR INSURANCE RATES BY COMPANY
InsurerAverage Annual Rate
State Farm$1,354
USAA$1,366
GEICO$1,408
Allstate$2,703

Read our guide to finding the best cheap auto insurance.



Edinburg car insurance costs by age

The age bracket that pays the least for auto insurance in Edinburg consists of drivers in their 50s, who pay an average of $1,394. Those in their 60s don't pay significantly more ($1,429).

Teenage drivers pay Edinburg's most expensive insurance rates. When Edinburg drivers hit their 20s, their insurance rates drop substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Edinburg is $1,682, the largest such difference between any two age brackets.


EDINBURG CAR INSURANCE PREMIUMS BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$3,661
20s$1,979
30s$1,570
40s$1,534
50s$1,394
60s$1,429
70s$1,716

Learn more about the impact of age on auto insurance rates.



Edinburg auto insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Edinburg pay $97 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.

Gender is yet another factor that can affect auto insurance premiums. In Edinburg, male drivers pay $13 more per year for car insurance than do female drivers.


INSURANCE RATES IN EDINBURG BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Yearly Rate
Female$1,587
Male$1,600
Single$1,600
Married$1,503
Divorced$1,600
Widowed$1,464

Learn more about how gender and marital status have on car insurance premiums.



Edinburg car insurance rates by citation and accident history


If you want to keep your car insurance rates down, keep your driving record clean. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to an increase in your auto insurance costs, as insurance companies reward low-risk drivers with the gift of affordable rates.

Edinburg drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $818 per year when compared to the city average. A ticket for speeding results in a $140 rate increase, on average, while a DUI violation costs $839per year in insurance premiums.


EDINBURG CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Annual Rate
DUI/DWI$2,439
Reckless Driving$2,418
At-fault Accident (damages less than $1,000)$2,007
At-fault Accident (damages greater than $2,000)$2,395
Speeding Ticket (16-20 mph over speed limit)$1,740

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



Edinburg car insurance costs by credit score


Another major insurance rating factor is credit score. Drivers with poor credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Edinburg drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 55% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Edinburg, improving your credit to "Fair" could help you earn a $638 decrease in annual car insurance rates.


EDINBURG CAR INSURANCE PREMIUMS BY CREDIT SCORE
Credit LevelAverage Yearly Rate
Very Poor$3,149
Fair$2,511
Good$2,070
Very Good$1,705
Exceptional$1,404

Learn more about the relationship between credit scores and car insurance rates.



The Zebra

The Zebra is the nation's leading independent insurance comparison site. The Zebra compares more than 100 insurance companies and provides agent support and educational resources to ensure drivers are equipped to make the most informed decisions about their home and auto insurance.