Cheapest Car Insurance Quotes in Brownsville

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Brownsville Car Insurance

^$ 89

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Brownsville

The car insurance rate in Brownsville is $2405 for a six-month policy, which is $780 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1433, making it a popular choice for budget-conscious drivers. Rates in Brownsville can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Brownsville

$2405

Avg. Car Insurance in Florida

$1625

National Average

$1278

Cheapest Car Insurance Companies in Brownsville

1st place: Travelers

At $1433 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: State Farm

State Farm offers auto insurance rates at $1600 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Nationwide

Nationwide offers auto insurance rates at $1749 for six months, making it the third cheapest auto insurance company in Brownsville.

Brownsville Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Brownsville, FL is Travelers, offering policies at just $1433 for a six-month term. This is followed by State Farm, which has an average six-month premium of $1600.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $3534 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Brownsville drivers find the best deals.

Cheap Car Insurance Companies in Brownsville, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1433	$241
State Farm	$1600	$269
Nationwide	$1749	$295
Progressive	$1854	$312
United Automobile Ins Group	$2022	$337
UAIC	$2216	$377
Allstate	$3613	$602
Mercury	$3815	$648
MetLife	$2224	$379
Farmers	$3534	$589

Key Takeaways

Way's key takeaways about car insurance in Brownsville

The auto insurance costs in Brownsville fall around $1433 for six months.
The cheapest auto insurance company in Brownsville is Travelers.
Teen drivers pay the highest rate in Brownsville at $2044 per month.

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Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Brownsville

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Brownsville are given below.

Travelers provides the cheapest minimum car insurance coverage in Brownsville. Their Average 6 Month Premium is $527. Farmers is the most expensive at $975 for the same period.

Cheapest Liability Coverage in Brownsville, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$527	$89
State Farm	$571	$96
Mercury	$633	$107
Nationwide	$703	$120
MetLife	$739	$123
AIG	$826	$141
Progressive	$1037	$175
United Automobile Ins Group	$1064	$181
UAIC	$1151	$192
Allstate	$1319	$222
Patrons Insurance	$185	$31
Farmers	$975	$163

Cheapest Full Coverage Car Insurance in Brownsville

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Brownsville is Travelers at $241 per month and $1433 for six months.

Cheapest Full Coverage Car Insurance Quotes in Brownsville, FL

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$1433	$241
State Farm	$1600	$269
Nationwide	$1749	$295
Progressive	$1854	$312
United Automobile Ins Group	$2022	$337
UAIC	$2216	$377
Allstate	$3613	$602
Mercury	$3815	$648
MetLife	$2224	$379
Farmers	$3534	$589

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Average Car Insurance in Brownsville by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Brownsville, FL increasing?

Despite maintaining a clean driving record, your car insurance rates in Brownsville, Florida, may be increasing due to several external factors. Florida has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Brownsville's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Brownsville

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Brownsville,FL

If you are planning to get a car insurance policy for your teenage dependent, Nationwide provides the cheapest car insurance in the Brownsville at $133 per month. At $12018 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$801	$133
AIG	$1082	$184
Travelers	$2356	$397
State Farm	$2831	$477
UAIC	$3771	$635
United Automobile Ins Group	$4985	$848
Allstate	$6154	$1036
Progressive	$7921	$1333
Mercury	$9371	$1578
Farmers	$12018	$2044

Teen Car Insurance Rates in FL by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Brownsville, Nationwide is the cheapest car insurance provider. At $958 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Brownsville is Farmers, offering rates of around $4888 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$958	$163
Mercury	$1046	$175
Direct General Insurance	$1091	$185
UAIC	$2119	$354
Travelers	$2321	$391
Progressive	$4079	$679
Allstate	$7156	$1217
State Farm	$7323	$1221
Farmers	$4888	$832

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Car Insurance Rates with An Accident in Brownsville

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Brownsville, FL, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Brownsville

The cheapest car insurance companies after an at-fault accident in Brownsville include Nationwide and AIG, offering $1011 and $1292, respectively. Farmers is an expensive provider with an average six-month premium of $4931.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$1011	$169
AIG	$1292	$219
State Farm	$1504	$253
Travelers	$1530	$258
United Automobile Ins Group	$2628	$438
Mercury	$2716	$457
UAIC	$2751	$459
Progressive	$3604	$607
Allstate	$6417	$1080
Farmers	$4931	$821

Brownsville Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Brownsville FL. For example, the car insurance in Brownsville after a DUI increases to $1388 for a six month policy. While the rate increases by $421 for a six-month policy in the case of a speeding ticket.

Brownsville auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$2700	$450
One Med/PIP claim	$2700	$459
Not-at-fault accident	$2919	$487
Two Med/PIP claims	$2998	$509
One comp claim	$3041	$508
Child safety restraint	$3050	$518
Failure to wear a seat belt	$3050	$509
Driving without lights	$3059	$519
Failure to show documents	$3059	$511
Speeding 6 - 10 MPH over limit	$3121	$531
Improper passing	$3130	$521
Passing school bus	$3130	$533
Wrong way/wrong lane	$3130	$521
Failure to stop at a red light	$3139	$534
Failure to yield	$3139	$522
Illegal turn	$3139	$534
Cell phone violation	$3148	$524
Driving with expired registration	$3148	$536
Following too closely	$3148	$524
Texting while driving	$3155	$537
Two comp claims	$3226	$537
Driving too slowly	$3244	$552
Speeding in school zone	$3244	$540
Speeding 11 - 15 MPH over limit	$3253	$554
In 65 MPH zone	$3367	$561
Speeding 16 - 20 MPH over limit	$3367	$573
Speeding 21 - 25 MPH over limit	$3385	$564
Open container	$3420	$582
Operating a vehicle without permission	$3420	$570
At-fault accident - less than $1000	$3710	$630
At-fault accident - $1000-$2000	$3771	$629
At-fault accident - greater than $2000	$3771	$641
Racing	$4079	$679
DUI	$4088	$696
Refusal to submit to a chemical test	$4088	$681
Driving with a suspended license	$4159	$707
Reckless driving	$4246	$707
Leaving scene of an accident/hit and run	$4291	$730

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Brownsville after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Brownsville.

The cheapest car insurance premiums in Brownsville are offered by AIG at $950 for a six-month policy. However, it can be as expensive as $4018 with companies like Farmers.

Brownsville car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AIG	$950	$161
Travelers	$1555	$262
Progressive	$1785	$300
State Farm	$2145	$361
Allstate	$2901	$488
UAIC	$3728	$622
Farmers	$4018	$669

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Brownsville are offered by Nationwide at $826. However, it can be as expensive as $4291 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Brownsville after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$826	$138
State Farm	$1046	$176
Travelers	$1187	$200
Allstate	$3112	$524
UAIC	$3403	$567
Progressive	$4168	$709
Farmers	$4291	$730

Car Insurance Price Trends in Brownsville, Florida

Car insurance rates in Brownsville have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Brownsville dipped by $379 in January compared to $408 of December. In other words, there has been an decrease by $29 when you compare January and December.

The average cost of liability insurance in the Brownsville dipped to $123 in January, compared to $124 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Brownsville?

The car insurance in Brownsville is $89 per month, which is lower than the national average.

What is the cheapest car insurance in Brownsville?

The cheapest car insurance in Brownsville is $241 per month for full coverage.

How much is car insurance in Brownsville for teenagers?

Car insurance for teenagers costs $801 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Brownsville?

The average cost of car insurance is $1625 for a six-month policy. It will cost around $404 per month to insure your car in Brownsville.

Is car insurance expensive in Brownsville?

Car insurance can be expensive in Brownsville if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Brownsville can be affordable.

Cheapest Car Insurance Quotes in Brownsville

Why you can trust Way?

How Much Is Car Insurance in Brownsville

Avg. Car Insurance in Brownsville

Avg. Car Insurance in Florida

National Average

Cheapest Car Insurance Companies in Brownsville

1st place: Travelers

2nd place: State Farm

3rd place: Nationwide

Brownsville Car Insurance Rates by Company

Cheap Car Insurance Companies in Brownsville, FL

Way's key takeaways about car insurance in Brownsville

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Brownsville

Cheapest Liability Coverage in Brownsville, FL

Cheapest Full Coverage Car Insurance in Brownsville

Cheapest Full Coverage Car Insurance Quotes in Brownsville, FL

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Brownsville by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Brownsville, FL increasing?

Car Insurance Premiums by Age in Brownsville

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Brownsville,FL

If you are in your twenties N/A is the best choice for car insurance in Brownsville.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Brownsville

Cheapest Car Insurance Companies after an At-Fault Accident in Brownsville

Brownsville Car Insurance Rates by Violation

Brownsville auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Brownsville after a DUI

Brownsville car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Brownsville after Speeding ticket

Car Insurance Price Trends in Brownsville, Florida

Average Car Insurance Cost in Brownsville by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Brownsville, FL

Car Insurance Rates by State in the USA (2025 Update)

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