Brownsville Car Insurance

The Zebra
May 30, 2018

Car Insurance in Brownsville

Texas premiums surpass the national average by $383, which is why the state is known for its costly rates. Premiums run even higher in the city, so if you are insuring a vehicle in Brownsville, being knowledgeable about premiums is crucial. Keep some money in your pocket by following the tips below about how to save on car insurance in Brownsville.

  • City Average: $1,960
  • State Average: $1,810
  • National Average: $1,427

Brownsville Car Insurance by Age

The most significant fall in premiums for Brownsville drivers happens when they hit their 20s. Once out of the teenage age range, they reduce their premiums by $3,633. Turning 60 triggers a rise in car insurance premiums, but up until that age drivers can anticipate premium reductions when they transition from one age group to the next. Car insurance premiums are highest for teenage drivers, with typical rates of $5,968 per year. At $1,651, drivers in their 50s have the lowest premiums among any age group. People in their 60s ($1,704) also have relatively low premiums.

  • Teenagers: $5,968
  • 20s: $2,335
  • 30s: $1,930
  • 40s: $1,863
  • 50s: $1,651
  • 60s: $1,704
  • 70s: $2,064

Brownsville Car Insurance by Accident or Violation History

Do you realize how much an accident or violation history can cost you in terms of premiums? An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. If you are found at-fault in an accident in Brownsville, expect your yearly car insurance payments to rise by $906. In general, a DUI in Brownsville will cost you 39% more in car insurance premiums versus the city average ($1,960). Reckless driving will push your rates up as well, with typical rates of $2,656. That is 36% higher than the city average.

  • DUI: $2,720
  • Reckless Driving: $2,656
  • At-fault Accident (damages less than $1000): $2,866
  • At-fault Accident (damages greater than $2000): $2,866
  • Speeding Ticket (16-20 mph over speed limit): $2,045

Brownsville Car Insurance by Gender and Marital Status

Pricing for car insurance premiums in Brownsville is determined by many factors, including marital status and gender. Believe it or not, marital status has a substantial impact on premiums. Married individuals save an average of 10% per year compared to those who are single or divorced. Rates for those who are widowed are also strikingly cheaper than rates for those who are single. Luckily for women, their premiums tend to be 2% cheaper than for men.

  • Female: $1,930
  • Male: $1,960
  • Single: $1,960
  • Married: $1,758
  • Divorced: $1,960
  • Widowed: $1,766

Brownsville Car Insurance by Credit Rating

Individuals with Very Poor credit (300-579) typically pay more than twice as much each year on premiums than those with Exceptional credit (800-850). Drivers will see the biggest percent drop in premiums when they upgrade their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 20% per year.

  • Very Poor: $3,487
  • Fair: $2,932
  • Good: $2,421
  • Very Good: $2,028
  • Exceptional: $1,631

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