On average, drivers in Brownsville, Texas pay $53 per month for minimum liability coverage and $133 per month for full coverage, just slightly higher than the state average. To help you save on auto insurance and lock in the best rates, download Jerry to shop dozens of free quotes—all within a few minutes.

The best insurance companies in Brownsville, TX

With so many options on the market, it can be hard to figure out which insurance companies are a cut above the rest. Jerry surveyed over 18,000 policyholders on their experiences with various providers, and these insurers are a great place to start.

Find affordable auto insurance in Brownsville, Texas

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

The insurance company with the best rate for your neighbor might not have the best rate for you—so it’s a good idea to shop with an insurance broker to get quotes from multiple companies. With the Jerry app, you can compare auto insurance quotes from dozens of insurance providers to find the coverage and rate that works for you.

Here’s how to do it.

1. Download Jerry to find free insurance quotes

Build your user profile by filling in some basic information about you, your vehicle, and your driving history.

2. Compare coverage options and final pricing

Jerry provides quotes from a wide selection of insurance companies, so weigh all your options. That first quote might seem like the most enticing, but you never know what might be available from another provider.

Jerry presents quotes based on four kinds of coverage levels: 

• Basic: The bare minimum coverage required by Texas
• Basic + full coverage: Mandatory minimum coverage limits plus comprehensive and collision coverage
• Standard: $50k/$100k/$50k liability coverage and full coverage, plus add-ons like uninsured motorist coverage and medical payments
• Preferred: $100k/$300k/$50k liability coverage and a wider collection of add-ons such as rental reimbursement and roadside assistance

In general, most drivers require high enough liability insurance limits to cover assets and future earning potential, plus full coverage to protect their vehicles.

Keep in mind: Look at more than just the dollar amount on your quotes. If customer experience and the claims process are important to you (and they should be!), take some time to check out some of the reviews from thousands of policyholders before committing to a policy. 

3. Enter payment information and secure your policy

When you find the policy that makes the most sense for you, simply click on “Confirm your rate” and enter your information to secure the final quote. Remember to act fast because quotes can change.

The shopping isn’t over once you have your proof of insurance. If you activate the reshop feature, Jerry will automatically reshop quotes for you regularly—before your renewal, when your credit score changes, or when a new insurer becomes available in Brownsville—to make sure you’re always getting the best insurance costs.

How to avoid high car insurance rates in Brownsville, TX

A lot of determining auto insurance factors are out of your hands, like your age or ZIP code—but there are some things you can do to help nab the cheapest rates for yourself.

Prepare to drive in inclement weather

In the last few years alone, Brownsville has seen some nasty weather, mainly in the form of flooding due to torrential rain and severe storms. Just last year, Brownsville saw record-breaking downpours over four days, with the police department warning people to exercise caution on the road. 

But you shouldn’t just practice safe driving in the face of a flash flood warning. In any severe weather scenario, here are some things you can do to keep safe:

• Avoid driving during a storm, if possible. In some circumstances, it might be safer to turn on your emergency lights and pull to the side of the road so you can wait it out.
• Leave extra space between your vehicle and others. Low visibility and slick roads can lead to reduced traction, so you’ll need to allow yourself more time to stop.
• Don’t drive through deep water. It doesn’t take much to sweep away a car or cause damage to your vehicle, so a good rule of thumb is not to cross water that’s higher than the center of your wheel.
• Watch out for debris in the water. If you’re crossing water or thinking about it, steer clear of any obstacles or downed power lines.

Don’t drink and drive

Brownsville is part of Cameron County, a midsize county that was ranked third-worst for drunk driving fatalities between 2014-2018—and in 2021, saw a total of 418 DUI-related crashes.

Texas DUI laws are strict. Young drivers under the age of 21 cannot be found with any alcohol in their systems. If charged with a DUI and found guilty, penalties may include:

• Fines between $2,000 and $10,000
• 72 hours to 10 years of jail time
• 90 days to 2 years of license suspension

It’s also worth noting that in Texas, DWIs are a bit different. The first two offenses are a class A misdemeanor—so long as you didn’t seriously injure or kill anyone, or drive with underage passengers. If you’re caught a third time in any of the aforementioned circumstances, a DWI charge is classified as a felony.

Not only that, a DUI charge can seriously impact your insurance rates. Here are some of the increases you can expect to see after only one charge:

Methodology

To determine these average increases, our editorial staff combined data from Forbes Advisor, NerdWallet, Bankrate, ValuePenguin, and Insurance.com. The data in the table above represents the average of the data contained in these sources. 

Protect yourself with UM/UIM

The Texas Department of Motor Vehicles reports that roughly 20% of people are uninsured in the state, which is why it’s important to consider UM/UIM. 

Uninsured/underinsured motorist coverage will help cover damages if you get into an accident with an at-fault driver who doesn’t have enough coverage, or doesn’t have coverage at all. It saves you from repair costs and legal fees, and isn’t subject to a deductible whereas your average health insurance policy is.

There are a lot of discounts out there

When it comes right down to it, insurance companies of all sizes have discounts for their policyholders, sometimes for doing very little!

For example, certain companies partner with outside organizations to allow discounts for healthcare providers and teachers:

• Nationwide provides discounts to members of the American Nurses Association
• AAA works with the American Society of Registered Nurses
• Mercury offers up to a 17% discount for teachers
• Farmers offers discounts to members of specific teacher groups

You can also save on insurance coverage as a college student in good standing. Allstate, GEICO, State Farm, and USAA have a good student discount, which helps B-average students save up to an average of 11% off their policy costs.

Here are some other simple discounts to look into:

• Bundling discounts: Purchasing your auto insurance policy and homeowners insurance, renters insurance, or life insurance from the same provider can save you anywhere from 9% to 20%.
• Loyalty discounts: If you’ve been with a company for a certain amount of time, you might be rewarded with a premium discount.
• Payment discounts: Paying online or paying in full could knock off as much as 10% off your premium.
• Going paperless: When you sign your documents online or opt to have policy paperwork sent electronically, some companies will give you a discount.

Remember: You can always speak with an insurance agent at your current provider to discover opportunities you might be missing.

Keep on top of your vehicle maintenance

Regular car maintenance—especially after harsh downpours or adverse weather—reduces the chances of an accident and keeps your vehicle running smoothly.

Methodology

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states. 

All quotes shown in this article are real auto insurance quotes obtained through the Jerry app for the following profile: 

• Driver: 46-year-old single female
• Location: Brownsville, TX 78521
• Vehicles: 2016 Toyota Camry LE, driven daily for commute
• Driving record: Clean
• Credit score: 550-659

Minimum coverage refers to policies with the following coverage limits: 

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

Full coverage refers to policies that contain at least the minimum liability required by law in Texas along with comprehensive and collision insurance with deductibles of either $500 or $1,000.

Sources

1. https://www.valleycentral.com/news/local-news/its-a-nightmare-brownsville-residents-frustrated-with-continuous-flooding/
2. https://myrgv.com/local-news/2021/07/09/nws-past-four-days-of-rain-set-historic-mark/
3. https://www.autoinsuranceez.com/drunk-driving-worst-counties/
4. https://ftp.txdot.gov/pub/txdot-info/trf/crash_statistics/2021/40.pdf
   

MEET OUR EXPERTS

R.E. Fulton

• Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.