Find Car Insurance in Brownsville, TX

What You Should Know About Car Insurance in Brownsville, TX

Located on the banks of the Gulf of Mexico and the Rio Grande River, Brownsville was front and center during the Mexican-American War of 1846. The Palo Alto Battlefield National Historic Park remains a testament to the city’s rough beginnings prior to its founding in 1948. With a population of over 185,000, Brownsville offers the best of art and culture, including annual multi-day events such as Charro Days and the Latin Jazz Festival.

The city has lots of open space and waterfront areas for residents to enjoy, but to travel the Brownsville’s 145 square miles, you won’t get very far by foot. So contact an InsureOne agent, get the best auto insurance at the best prices in Texas, and start enjoying the city’s many sights and events.

How Much Does Car Insurance Cost in Brownsville, Texas?

You can get full coverage car insurance in Texas for about $2,019 yearly, which is only slightly more than the national average of $2,014. Minimum liability coverage costs approximately $565, significantly lower than the U.S. average of $622.

What Does Full Coverage vs. Minimum Liability Mean?

A full coverage policy provides a high level of financial protection, covering many instances where your vehicle may suffer damage. For example, if a passerby vandalizes or steals your car, your insurer will help you repair or replace it. A minimum liability policy only helps you pay for damages others suffer when you cause a crash. It is much more affordable than full coverage because it offers significantly less protection.

Affordable Car Insurance Rates Comparison by Cities in Texas

Each zip code can pay a different amount for coverage. The following chart compares monthly rates between Brownsville and several nearby cities.

City	Full Coverage Insurance	Liability Insurance Coverage
Brownsville	$176	$54
Harlingen	$173	$53
Raymondville	$172	$50
McAllen	$184	$57
Rio Grande City	$180	$51

What Types of Car Insurance Discounts Are Available in Brownsville?

You know that bundling policies with the same insurer can lower your insurance premiums, but there are many more discounts you may be entitled to. Ask your InsureOne agent if these and other discounts can make your rates even more affordable:

• Low-mileage discount
• Senior discount
• Student discount
• Multi-car discount
• Retention discount

Notable Car Insurance Laws in Brownsville

Texas statutes dictate insurance regulations for all its municipalities. The following are some state laws that affect auto policies in the state.

What Are the Mandatory Car Insurance Requirements in Brownsville?

Like all other states, the Lone Star State requires any resident who operates a vehicle to carry minimum levels of coverage as a starting point. All Texas drivers must obtain at least the following:

• $30,000 liability coverage for bodily injury per person
• $60,000 liability coverage for bodily injury per accident
• $25,000 liability coverage for property damage

What Is the Penalty for Driving Without Insurance in Brownsville?

Uninsured drivers could suffer serious financial consequences. They would have to pay for any damages they cause in an accident without the assistance of an insurer, which could add up to a significant amount of money. In addition, simply getting pulled over and not having a policy in place could lead to these fines and penalties for uninsured drivers in Texas:

• $175 to $350 fine, possibly lower in cases of economic hardship
• $350 to $1,000 fine for a second offense
• A yearly insurance surcharge of $250 for three years
• Possible license suspension
• Possible vehicle impoundment

Do Brownsville-Specific Laws Play a Role in Determining Your Insurance Premiums?

Texas law allows insurers to use many details about you and your vehicle to calculate their risk exposure and potential expenses. The following are some of the factors they may use.

• Location: The city you live in may have high repair costs and theft or crash rates, which could lead to higher premiums.
• Claims history: If you have filed many claims in the past, your insurer might charge you more, assuming you will likely file a claim in the future.
• Age: Teens typically pay the highest premiums, with seniors coming in a distant second, based on crash rate statistics for various age groups.
• Replacement cost: Your insurer may have to replace your car under covered circumstances, so they factor replacement costs into your policy rates.
• Amount of coverage: If you increase the coverage levels included in a minimum liability policy, your premiums will increase accordingly.

Auto Insurance Rates for Young Drivers vs. Older People in Texas

Younger drivers, specifically teenagers, pay the highest rates for auto coverage. This is because statistics show they present a high risk due to their age and lack of experience on the road. As time passes, if they keep their record clean of tickets and accidents, they will see their rates drop drastically. Premiums remain low for many years and start increasing when drivers reach ages where they might not be as cognitively sharp as in the past.

Regardless of your age, at InsureOne, our expert agents help you find the best auto insurance with customizable options that best meet your needs.

How Many Car Accidents Happen in Brownsville Per Year?

The Texas Department of Transportation reports the following as total crashes in Brownsville and several nearby cities in 2023:

City	Total Crashes
Brownsville	3,795
Harlingen	1,960
Raymondville	77
McAllen	2,724
Rio Grande City	283

 

How Many Uninsured/Underinsured Motorists Are in Brownsville?

The Insurance Information Institute reports that 13.8% of Texas were uninsured in 2022, while TexasSure estimates that 20% of drivers in the state were uninsured that same year. The latter number especially underscores the importance of obtaining uninsured/underinsured driver coverage.