120+ more*Quotes generated for Insurify users in and around Brownsville, Texas within the last 10 days. Last updated on April 28, 2026. 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 April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
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Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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State Farm, Allstate, and Mile Auto are the cheapest car insurance companies in Brownsville.
Brownsville car insurance rates are close to the Texas average, but the state’s rates are higher than the national average.
Brownsville had more car accidents in 2024 than similarly sized Texas cities like Grand Prairie and McKinney.
On average, a state-minimum liability car insurance policy costs $110 per month in Brownsville. Full coverage costs an average of $208 per month. The city’s rates are close to the average car insurance cost in Texas.
Brownsville drivers have a roughly equal commute time and slightly more auto accidents than similarly sized cities.[1] That keeps liability rates close to the Texas car insurance average of $111 per month.
The table below shows how Brownsville’s average rates compare to the state average, according to Insurify data.
Car Insurance Costs in Brownsville vs. Texas | Average Monthly Quote |
|---|---|
| Brownsville average | $159 |
| Texas average | $159 |
State Farm offers the cheapest liability auto insurance in Brownsville. State Farm has the most affordable full-coverage auto insurance.
Brownsville is ramping up its investment in road improvements and installing new traffic systems in 2026.[2] Drivers should be on the lookout for new construction projects throughout the year. Traffic disruptions create dangerous driving situations, and work zones have doubled speeding fines.
Defensive driving in Brownsville is a must. The city had nearly 4,000 crashes in 2024, according to the Texas Department of Transportation. McAllen, with a similar population, had only 3,000 accidents in 2024.[3]
Even though motor vehicle thefts in Brownsville declined by 50% between 2024 and 2025, local police are concerned about increased vehicle thefts.[4] Dodge owners, in particular, should use extra caution, according to the Brownsville Police Department. Full-coverage car insurance includes comprehensive coverage, which covers vehicle theft.
The Brownsville metro ranks No. 59 for auto thefts, according to the National Insurance Crime Bureau. Nearby Corpus Christi ranks No. 60. San Antonio, Odessa, Midland, and Houston rank in the top 50, but no Texas cities are in the top 10.
Texas car insurance is more expensive than the national average. Houston typically has the highest premiums in the state, due to hurricane risk, auto theft rates, and traffic congestion.[5] Car insurance is cheapest in quiet West Texas cities like Abilene and Big Spring, where traffic is minimal, and hurricanes can’t cause as much damage.
Brownsville car insurance premiums are in line with the state average. As a Gulf town, it experiences significant risk from rainstorms and hurricanes.[6] But the city has relatively average traffic congestion and crime rates.
Here’s a look at Texas car insurance rates by city.
City | Average Monthly Quote |
|---|---|
| Abilene | $129 |
| Amarillo | $152 |
| Arlington | $166 |
| Austin | $165 |
| Beaumont | $175 |
| Brownsville | $159 |
| Corpus Christi | $165 |
| Dallas | $180 |
| Denton | $156 |
| El Paso | $139 |
| Fort Worth | $159 |
| Galveston | $163 |
| Garland | $181 |
| Grand Prairie | $171 |
| Houston | $214 |
| Huntsville | $151 |
| Irving | $170 |
| Killeen | $147 |
| Laredo | $153 |
| Lubbock | $150 |
| McAllen | $170 |
| Mesquite | $182 |
| Midland | $148 |
| Odessa | $164 |
| Plano | $160 |
| San Antonio | $167 |
| San Marcos | $158 |
At about 21 minutes, average commute times in Brownsville are slightly shorter than the state average. Fewer miles on the road help keep Brownsville’s auto insurance rates reasonable.
Crash rates could go down as the city invests in traffic safety in 2026. These improvements will likely lead to slower overall speeds and fewer severe car accidents and injuries, ultimately improving car insurance rates.
As the Brownsville metro area grows, Cameron County anticipates significant traffic increases north of downtown at the major highway interchanges. Pay attention when you’re in the area where Interstate 69 splits at 169.[7] Year-round road work is also taking place on Coffee Road/Ruben M. Torres Boulevard, as of late March 2026.
At $43 per month, State Farm offers the cheapest liability auto insurance coverage in Brownsville. Compare Brownsville’s average liability premiums to the Texas state average of $111 per month.
Texas’ state-minimum car insurance requirements are $30,000 per person and $60,000 per accident of personal injury liability coverage, and $25,000 of property damage liability coverage.[8] Insurers must offer personal injury protection (PIP), but you can waive it in writing if you don’t want it.
The table below shows the cheapest liability-only auto insurance quotes available in Brownsville.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $43 |
| Allstate | $61 |
| Mile Auto | $63 |
| Progressive | $65 |
| GEICO | $70 |
| USAA | $78 |
| Mercury | $87 |
| First Acceptance | $90 |
| The General | $92 |
| Alinsco | $94 |
| Lone Star | $96 |
| Freedom National | $97 |
| Nationwide | $98 |
| Commonwealth Casualty | $99 |
| Dairyland | $100 |
| GAINSCO | $101 |
| Bristol West | $103 |
| Clearcover | $103 |
| Root | $104 |
| Mendota | $106 |
| Covercube | $107 |
| AssuranceAmerica | $109 |
| Sun Coast | $115 |
| Safeco | $116 |
| Direct Auto | $117 |
| National General | $118 |
| Loop | $122 |
| Elephant | $123 |
| Chubb | $132 |
| Trexis One | $136 |
| 21st Century | $153 |
| Liberty Mutual | $188 |
Pay your first week’s premium and get immediate proof of insurance
Full-coverage car insurance in Brownsville averages $208 per month.
A full coverage policy is a great idea for Brownsville drivers for two main reasons. It protects your car from wind and rainstorm damage, which everyone in the Rio Grande Valley must deal with. Full-coverage insurance also covers your car if someone steals it, extending coverage beyond a minimum-coverage 30/60/25 policy.
The companies below offer the cheapest full-coverage Texas auto insurance policies in Brownsville, according to Insurify data.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $84 |
| Allstate | $119 |
| Progressive | $122 |
| Mile Auto | $134 |
| Mercury | $138 |
| GEICO | $147 |
| USAA | $150 |
| Root | $168 |
| Safeco | $168 |
| Clearcover | $176 |
| Alinsco | $181 |
| Direct Auto | $181 |
| Elephant | $187 |
| Nationwide | $189 |
| GAINSCO | $192 |
| National General | $193 |
| Bristol West | $196 |
| The General | $203 |
| AssuranceAmerica | $204 |
| Mendota | $206 |
| First Acceptance | $217 |
| Commonwealth Casualty | $217 |
| Loop | $221 |
| Lone Star | $225 |
| Sun Coast | $227 |
| Dairyland | $242 |
| Covercube | $246 |
| Freedom National | $253 |
| Chubb | $255 |
| Liberty Mutual | $268 |
| Trexis One | $277 |
| 21st Century | $294 |
*Quotes generated for Insurify users in and around Brownsville, Texas within the last 10 days. Last updated on April 28, 2026. 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 April 28, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Brownsville drivers with a recent ticket pay an average of $199 per month for car insurance.
The City of Brownsville Municipal Court has opted into a state program that places a hold on your driver’s license if you have outstanding fines or fees. Make sure you address unpaid tickets, or you’ll have problems renewing your license.
Below, you can compare the cheapest car insurance quotes in Brownsville for drivers with a speeding ticket.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $55 |
| Mile Auto | $77 |
| Allstate | $79 |
| Progressive | $81 |
| GEICO | $92 |
| USAA | $101 |
| First Acceptance | $113 |
| Commonwealth Casualty | $117 |
| Alinsco | $118 |
| Lone Star | $120 |
| Mercury | $120 |
| GAINSCO | $121 |
| Freedom National | $121 |
| The General | $123 |
| Dairyland | $124 |
| Nationwide | $127 |
| Bristol West | $130 |
| Clearcover | $131 |
| Mendota | $133 |
| Covercube | $134 |
| Root | $139 |
| AssuranceAmerica | $139 |
| Sun Coast | $144 |
| National General | $147 |
| Direct Auto | $147 |
| Elephant | $147 |
| Safeco | $152 |
| Loop | $153 |
| Chubb | $168 |
| Trexis One | $170 |
| 21st Century | $202 |
| Liberty Mutual | $239 |
In Brownsville, 3% of drivers have an at-fault accident on their driving record, according to Insurify data. Brownsville drivers with a recent accident pay an average of $210 per month for car insurance. Texas is an at-fault state, which means the driver who causes an accident must pay for the other driver’s resulting vehicle damages and medical bills.
This table shows the cheapest liability car insurance quotes in Brownsville for drivers with at-fault accidents.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $57 |
| Allstate | $82 |
| Mile Auto | $85 |
| Progressive | $86 |
| GEICO | $92 |
| USAA | $105 |
| First Acceptance | $119 |
| Alinsco | $124 |
| Lone Star | $127 |
| The General | $127 |
| Freedom National | $128 |
| GAINSCO | $130 |
| Mercury | $130 |
| Commonwealth Casualty | $131 |
| Dairyland | $132 |
| Nationwide | $132 |
| Bristol West | $136 |
| Root | $140 |
| Mendota | $140 |
| Covercube | $142 |
| AssuranceAmerica | $145 |
| Clearcover | $148 |
| Sun Coast | $152 |
| National General | $157 |
| Direct Auto | $160 |
| Loop | $161 |
| Elephant | $161 |
| Safeco | $162 |
| Chubb | $176 |
| Trexis One | $180 |
| 21st Century | $209 |
| Liberty Mutual | $250 |
Drivers in Brownsville with a driving while intoxicated (DWI) conviction pay an average of $218 per month for car insurance. About one in every 300 Brownsville drivers has a DWI on their driving record, according to Insurify data.
You could face a $2,000 fine and mandatory jail time after a DWI. If you get a second DWI, you’ll face fines of up to $4,000, up to one year in jail, and the loss of your license for up to two years.[9]
These companies offer the cheapest liability car insurance quotes in Brownsville to people with DWIs on their driving records.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $60 |
| Allstate | $86 |
| Mile Auto | $88 |
| Progressive | $89 |
| GEICO | $98 |
| USAA | $110 |
| First Acceptance | $124 |
| The General | $125 |
| Alinsco | $129 |
| Mercury | $129 |
| Lone Star | $132 |
| Freedom National | $133 |
| Commonwealth Casualty | $135 |
| Nationwide | $138 |
| Dairyland | $140 |
| GAINSCO | $142 |
| Bristol West | $145 |
| Mendota | $145 |
| Clearcover | $145 |
| Covercube | $147 |
| Root | $148 |
| AssuranceAmerica | $153 |
| Sun Coast | $158 |
| Direct Auto | $164 |
| National General | $166 |
| Loop | $167 |
| Safeco | $173 |
| Elephant | $173 |
| Chubb | $185 |
| Trexis One | $187 |
| 21st Century | $206 |
| Liberty Mutual | $264 |
More than 28% of Brownsville’s population is younger than age 18, making it considerably younger than Texas as a whole. Teen drivers in Brownsville pay an average of $312 per month for car insurance.
The Texas Department of Insurance advises parents to add a teenager to their Texas car insurance policy instead of buying a separate policy.[10] Buying a younger driver their own policy is usually more expensive than adding them to an existing one.
The table below shows the companies that offer the cheapest liability insurance rates to teenage Brownsville drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $87 |
| Allstate | $125 |
| Progressive | $127 |
| GEICO | $132 |
| Mile Auto | $134 |
| USAA | $150 |
| Mercury | $166 |
| The General | $172 |
| First Acceptance | $176 |
| Clearcover | $177 |
| Dairyland | $181 |
| Alinsco | $184 |
| Root | $188 |
| Lone Star | $188 |
| GAINSCO | $188 |
| Bristol West | $190 |
| Freedom National | $190 |
| Commonwealth Casualty | $192 |
| Nationwide | $198 |
| Mendota | $208 |
| Covercube | $210 |
| Sun Coast | $225 |
| Elephant | $228 |
| AssuranceAmerica | $233 |
| Direct Auto | $236 |
| Loop | $239 |
| Safeco | $244 |
| National General | $245 |
| Trexis One | $266 |
| Chubb | $281 |
| 21st Century | $286 |
| Liberty Mutual | $343 |
Compare quotes starting at $43 per month
About 13% of people in Brownsville are 65 or older. Brownsville seniors pay an average of $135 per month for car insurance. But even with these relatively affordable rates, shopping around can help you find the best price.
The table below shows which auto insurance companies offer the most affordable Texas auto insurance for seniors living in Brownsville, according to Insurify data.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $34 |
| Allstate | $49 |
| Mile Auto | $49 |
| Progressive | $55 |
| GEICO | $55 |
| USAA | $63 |
| Mercury | $69 |
| Nationwide | $74 |
| First Acceptance | $77 |
| The General | $78 |
| Commonwealth Casualty | $79 |
| Alinsco | $80 |
| Lone Star | $82 |
| Freedom National | $83 |
| Dairyland | $84 |
| Bristol West | $85 |
| AssuranceAmerica | $85 |
| Root | $86 |
| GAINSCO | $86 |
| Mendota | $90 |
| Covercube | $91 |
| Clearcover | $91 |
| National General | $92 |
| Direct Auto | $95 |
| Sun Coast | $98 |
| Chubb | $99 |
| Elephant | $100 |
| Safeco | $101 |
| Loop | $104 |
| Trexis One | $116 |
| 21st Century | $120 |
| Liberty Mutual | $155 |
Below, we answered some common questions about Brownsville car insurance.
Car insurance in Brownsville costs an average of $159 per month, according to Insurify data. But your personal rates will depend on factors such as your deductible, coverage choices, and ZIP code.
State Farm has the cheapest car insurance in Brownsville. The insurer’s rates average $43 per month. Comparing auto insurance quotes from multiple companies can help you find the best price for your policy.
A variety of factors affect your Brownsville car insurance, including your vehicle, driving history, credit history, and more. You can also qualify for various discounts that will help lower your rates.
Yes. The average cost of car insurance in Brownsville is $159 per month, much less than $300. Even full coverage averages only $208 per month in Brownsville. Comparing quotes can help you get the cheapest price for the coverage you need.
You have a few ways to lower your car insurance in Brownsville. Compare quotes from multiple companies to ensure you get the best price for your policy. Maintaining a clean driving record and good credit history can also help lower your rates. And make sure to ask your insurer for any discounts you qualify for.
If your auto insurance lapses while you’re living in Brownsville, you could face fines of up to $350.[11] If you let your car insurance lapse a second time, fines jump to $1,000, and the state can suspend your license. In addition to these fines, insurance lapses also increase your premiums.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Small business blogger
Charlie Hope D’Anieri is an experienced copywriter, researcher, and journalist. He has written about business formation and home and auto insurance for several years. He’s covered agriculture and politics for outlets including The Guardian, The New Republic, and many others.
A graduate of Middlebury College, he also holds a master’s degree in English Language & Literature from The University of Maryland-College Park. Charlie is passionate about helping readers understand how insurance works, and why it’s important to their financial wellbeing.
Matthew Gross is an insurance editor at Insurify. He aspires to help readers make more informed decisions through well-crafted content. Matthew’s background in journalism and SEO taught him the value of keeping readers at the core of his work. Prior to Insurify, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe. He holds a bachelor’s degree in Journalism from Illinois State University.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in