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Cheapest recent rates near Brownsville, Texas
Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $57/mo for full coverage in Brownsville and other Texas cities.
*Quotes generated for Insurify users in and around Brownsville, Texas within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Brownsville, Texas within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Brownsville, car insurance costs an average of $169 a month, which is close to the Texas state average of $182. For comparison, the national average rate is $158.
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.
Quick Facts
The average cost of car insurance in Brownsville is $226 a month for full coverage and $111 for liability.
Brownsville drivers must carry 30/60/25 liability limits to drive legally in Texas.[2]
The Texas Automobile Insurance Plan Association can help if insurers deny you coverage.
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.
Insurance Company
▲▼
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: State Farm
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$34/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$59/mo
State Farm has some of the lowest average rates for liability-only insurance in Brownsville. The company has been in business for more than 100 years and is the largest car insurance company in the U.S. by market share. You’ll find eight State Farm agents in Brownsville, who can help you customize your coverage to lower your costs.
Pros
Above-average J.D. Power customer satisfaction rating in Texas
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
8.9/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$48/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$84/mo
The fourth-largest car insurance company in the U.S., Allstate offers rates that are notably less than the city’s average. It’s also the best auto insurance company for teens. The company has discount programs specifically tailored for Brownsville’s young drivers. Additionally, eight of the nine local Allstate insurance agents have “elite” status, suggesting top-tier customer service.
Pros
Accident forgiveness, regardless of fault
Custom parts and sound system coverage available
Cons
Below-average J.D. Power customer satisfaction rating in Texas
The customer service at the local office is top-notch, especially Emily from Shae's office - she's the best. However, when forwarded to corporate after hours, the service is extremely poor. I've communicated this to Shane in San Diego.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.0/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$37/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo
Brownsville drivers generally pay less for car insurance when they go with GEICO. Although there’s no in-person support, considering the nearest agent is more than 160 miles away in Corpus Christi, GEICO customer service can help you file an SR-22 certificate with the state if your DWI conviction requires one.
Pros
Highly rated mobile app
Roadside assistance starts at $14 per year
Cons
Below-average J.D. Power customer satisfaction rating in Texas
Initially, it was shown that the monthly cost would be 'x' value. However, it has now increased to 'x+20', 'x+30', 'x+40', which is inconsistent.
Patti - October 20, 2024
Verified
Very Expensive Insurance
Their rates have become unaffordable.
Ronald - October 20, 2024
Verified
GEICO
The service is good, except for the frequent price increases.
…
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.
Find Cheap Car Insurance in Brownsville, Texas
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4.8/5
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 $34 a month. The table below shows the average car insurance quotes for liability coverage from the best companies in Brownsville.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$34
GEICO
$37
Allstate
$48
Mile Auto
$50
Hugo
$53
USAA
$60
Nationwide
$76
Mercury
$78
Safeco
$79
Midvale Home & Auto
$89
Progressive
$90
Dairyland
$95
Chubb
$103
Clearcover
$103
National General
$110
21st Century
$119
Elephant
$120
Direct Auto
$121
Commonwealth Casualty
$124
Liberty Mutual
$124
The General
$127
Bristol West
$137
GAINSCO
$144
State Auto
$158
AssuranceAmerica
$160
Infinity
$178
Hallmark
$179
Foremost
$201
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $226 a month, and the table below shows the cheapest car insurance companies for full coverage in the city.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote
▲▼
State Farm
$59
GEICO
$65
Allstate
$84
Mile Auto
$104
USAA
$106
Clearcover
$130
Mercury
$130
Hugo
$132
Nationwide
$152
Progressive
$157
Safeco
$158
Midvale Home & Auto
$164
Chubb
$180
Elephant
$202
21st Century
$208
AssuranceAmerica
$215
National General
$237
Direct Auto
$244
Dairyland
$247
Liberty Mutual
$254
The General
$270
Bristol West
$284
Infinity
$286
State Auto
$306
GAINSCO
$317
Commonwealth Casualty
$332
Foremost
$420
Hallmark
$422
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Brownsville, Texas
Drivers using Insurify have found quotes as cheap as $36/mo for liability only and $57/mo for full coverage in Brownsville and other Texas cities.
*Quotes generated for Insurify users in and around Brownsville, Texas within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Brownsville, Texas within the last 10 days. Last updated on October 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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]
Coverage
▲▼
Minimum Requirements
▲▼
Bodily injury liability
$30,000 per person / $60,000 per accident
Property damage liability
$25,000 per accident
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:
Collision coverage
Collision coveragesteps in when your car hits another vehicle or object to pay for your repair or replacement costs, no matter who’s at fault.
Comprehensive coverage
Comprehensive coverageprotects against theft, fire, vandalism, tornadoes, hail, and falling objects, among other non-collision events.
Medical payments coverage
Medical payments coveragepays for medical bills for you and your passengers, even if you’re the passenger in another vehicle or get injured while cycling or on foot.
Roadside assistance coverage
Towing, battery boosts, and other emergency roadside help is handy if you find yourself stuck on the side of the road.
Rental car coverage
This helps pay for a temporary ride if your vehicle needs repairs after an accident.
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.
Shop for Car Insurance in Brownsville, TX
Rates start at $41 per month for drivers with an incident
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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 $232 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.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote: Full Coverage
▲▼
Average Monthly Quote: Liability Only
▲▼
State Farm
$75
$43
GEICO
$83
$47
Allstate
$107
$61
USAA
$135
$77
Mile Auto
$137
$66
Hugo
$167
$67
Clearcover
$169
$134
Mercury
$178
$107
Nationwide
$196
$98
Progressive
$200
$115
Safeco
$205
$102
Chubb
$234
$134
21st Century
$275
$157
AssuranceAmerica
$278
$207
Elephant
$280
$166
National General
$304
$141
Direct Auto
$311
$154
Dairyland
$317
$122
The General
$349
$164
Liberty Mutual
$352
$172
Bristol West
$363
$175
Infinity
$380
$236
State Auto
$425
$220
GAINSCO
$439
$199
Commonwealth Casualty
$460
$172
Foremost
$581
$278
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $246 per month. To start your search, consider the insurers in the table below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote: Full Coverage
▲▼
Average Monthly Quote: Liability Only
▲▼
State Farm
$80
$46
GEICO
$88
$50
Allstate
$114
$65
USAA
$144
$81
Mile Auto
$148
$71
Mercury
$188
$113
Clearcover
$189
$150
Hugo
$192
$77
Nationwide
$208
$104
Safeco
$210
$105
Progressive
$216
$124
Chubb
$246
$141
Elephant
$269
$160
21st Century
$290
$166
AssuranceAmerica
$290
$216
National General
$324
$150
Dairyland
$334
$128
Direct Auto
$338
$168
Liberty Mutual
$369
$180
The General
$373
$175
Infinity
$382
$238
Bristol West
$383
$185
GAINSCO
$413
$187
Commonwealth Casualty
$441
$165
State Auto
$455
$235
Foremost
$610
$292
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $280 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.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Average Monthly Quote: Full Coverage
▲▼
Average Monthly Quote: Liability Only
▲▼
State Farm
$98
$56
GEICO
$107
$61
Allstate
$139
$79
Mile Auto
$172
$83
USAA
$175
$99
Mercury
$197
$118
Clearcover
$215
$170
Hugo
$218
$88
Nationwide
$251
$126
Progressive
$260
$149
Safeco
$261
$131
Chubb
$298
$170
Elephant
$334
$198
21st Century
$344
$197
AssuranceAmerica
$355
$265
National General
$392
$182
Direct Auto
$403
$200
Dairyland
$408
$157
Liberty Mutual
$420
$205
The General
$446
$210
Bristol West
$470
$227
Infinity
$473
$294
State Auto
$506
$261
GAINSCO
$524
$238
Commonwealth Casualty
$549
$205
Foremost
$694
$332
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $87 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.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$26
$45
GEICO
$29
$50
Allstate
$37
$66
Mile Auto
$37
$76
Hugo
$41
$102
USAA
$47
$82
Nationwide
$55
$110
Mercury
$59
$98
Progressive
$63
$109
Safeco
$65
$129
Chubb
$73
$128
Dairyland
$74
$192
National General
$82
$177
Clearcover
$83
$105
21st Century
$86
$151
Direct Auto
$92
$185
Elephant
$95
$159
Commonwealth Casualty
$96
$258
Liberty Mutual
$101
$206
The General
$101
$214
Bristol West
$107
$221
State Auto
$117
$226
AssuranceAmerica
$118
$158
GAINSCO
$118
$259
Infinity
$131
$211
Foremost
$155
$324
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $200 a month for liability only and $408 for full coverage. Check out the table below to see how companies offer different quotes for teen drivers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company
▲▼
Liability Only
▲▼
Full Coverage
▲▼
State Farm
$59
$102
GEICO
$60
$105
Allstate
$86
$151
Hugo
$88
$220
Mile Auto
$99
$205
USAA
$102
$180
Nationwide
$134
$267
Mercury
$142
$237
Dairyland
$159
$413
Safeco
$160
$321
Progressive
$163
$284
Chubb
$197
$345
Elephant
$200
$336
Clearcover
$201
$253
21st Century
$204
$357
The General
$206
$439
National General
$220
$474
Commonwealth Casualty
$221
$591
Liberty Mutual
$223
$458
Direct Auto
$224
$452
Bristol West
$236
$489
GAINSCO
$256
$563
State Auto
$286
$553
AssuranceAmerica
$300
$403
Infinity
$329
$529
Foremost
$363
$760
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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.[5] 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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Brownsville car insurance FAQs
Learn how to shop for car insurance in Insurify’s guide, and check out the answers to questions about car insurance in Brownsville below.
How much is car insurance in Brownsville?
The average cost of car insurance in Brownsville is $226 a month for full coverage and $111 a month for liability.
Who has the cheapest car insurance in Brownsville?
State Farm is the cheapest car insurance company in Brownsville, with an average cost of $34 for liability insurance.
What are the best car insurance companies in Brownsville?
Some of the best car insurance companies in Brownsville include State Farm, Allstate, and GEICO. These companies have solid Insurify Quality Scores, relatively affordable average rates, and strong AM Best ratings.
How much does car insurance cost a month in Texas?
The average cost of car insurance in Texas is $119 a month for liability only and $245 a month for full coverage.
What is the bare-minimum car insurance in Texas?
Texas requires 30/60/25 liability insurance, which translates to $30,000 per person and $60,000 per accident for bodily injury liability and $25,000 per accident for property damage liability.[2]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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State Farm
Allstate
GEICO
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