Brownsville Car Insurance

Your 2017 Guide to Buying Car Insurance in Brownsville, TX

Although the highways around Brownsville aren't among the most congested roadways in the state, this relatively large south Texas city still has its share of risks for local drivers. It is therefore important to have adequate Brownsville, TX car insurance.

A local independent agent in the Trusted Choice® network can provide answers to your coverage-related questions, a variety of competitive Brownsville auto insurance quotes, and personal assistance. Local agents understand the unique needs of this city's residents so they are best equipped to help you.

Texas Car Insurance Costs

  • National average cost per year: $1,311
  • Texas average cost per year: $1,449
  • 17th most expensive premiums in the U.S.

It may be interesting to compare average Texas premiums with those in the rest of the country, but that really does not tell you how much your own Brownsville car insurance policy will cost. In order to find the right plans and prices for your vehicles, you will need to compare quotes from a handful of highly-rated insurance companies.

You actual costs will be affected by factors such as the make, model and year of your car and your age. Vehicle owners who only use their cars periodically have different insurance coverage needs than drivers who need to commute to work each day. Low mileage drivers might be eligible for rate discounts from some companies.

Texas Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 30/60/25
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $25,000 coverage for property damage

All Texans are required to carry liability insurance in order to legally operate their vehicles. There are stiff penalties for failure to carry the required insurance coverage. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.

Texas Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Texas uninsured motorists: 13.3%
  • Average vehicle repair cost in Texas: $2,434

Uninsured drivers are still liable for accident damages and injuries they cause, but it may be more difficult to collect from them. Most Brownsville car insurance professionals therefore recommend purchasing uninsured motorist coverage. This coverage will compensate you for any unpaid repairs or medical bills though it does not remove any financial responsibly from the uninsured driver.

Number of Thefts in Texas

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Texas vehicle thefts (per 1,000 registered vehicles): 3.28

The National Insurance Crime Bureau ranks the Brownsville Metropolitan area as number 162 in the nation for auto thefts. Only comprehensive auto coverage protects vehicle owners from the losses associated with theft and vandalism.

Comprehensive coverage will also compensate you for non-accident related damages to your vehicle, such as if it is damaged by flood or fire. If you have financed the purchase of your vehicle, your lender may require you to carry comprehensive coverage for the duration of your loan.

Compare Brownsville Auto Insurance Quotes Today

Many Brownsville vehicle owners have complex coverage needs. All vehicle owners should shop around for the right plan and price regardless of whether they are buying a new car or have owned the same car for several years. Independent agents in the Trusted Choice network can answer your coverage questions and help you review multiple Brownsville car insurance policies and quotes.

Now, who's ready to get their insurance problems solved?