Best Edinburg, Texas Auto Insurance in 2024
The average Edinburg, TX auto insurance rates are $382 per month. The minimum auto insurance in Edinburg is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Edinburg, Texas, compare quotes from multiple companies.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
UPDATED: Sep 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Edinburg is 19.4 minutes
- The most expensive auto insurance company in Edinburg for teen drivers is Progressive
- Average auto insurance rates in Edinburg, TX for senior drivers are $2,834 per year
Edinburg, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Edinburg can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Edinburg, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Edinburg to other Texas cities, including Corpus Christi auto insurance rates, Dallas auto insurance rates, and Laredo auto insurance rates to see how Edinburg, Texas auto insurance rates stack up.
Before you buy Edinburg, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Edinburg, Texas auto insurance quotes.
Minimum Auto Insurance in Edinburg, Texas
Edinburg, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Edinburg, Texas.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Edinburg, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Edinburg, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,097 | $4,156 | $4,051 | $4,051 | $10,221 | $12,405 | $5,057 | $5,302 |
| American Family | $2,977 | $3,329 | $2,785 | $3,208 | $8,004 | $10,399 | $4,307 | $4,892 |
| Geico | $2,815 | $3,077 | $2,804 | $3,286 | $6,076 | $6,124 | $3,017 | $2,892 |
| Nationwide | $3,615 | $3,687 | $3,181 | $3,388 | $10,001 | $12,950 | $4,224 | $4,594 |
| Progressive | $2,885 | $2,733 | $2,541 | $2,606 | $11,425 | $12,701 | $3,386 | $3,394 |
| State Farm | $2,152 | $2,152 | $1,911 | $1,911 | $5,099 | $6,477 | $2,336 | $2,396 |
| USAA | $2,052 | $2,085 | $1,968 | $1,984 | $5,562 | $6,095 | $2,755 | $2,987 |
Cheap Edinburg, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Edinburg, Texas is a challenge. Take a look at the annual teen auto insurance rates in Edinburg, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,221 | $12,405 |
| American Family | $8,004 | $10,399 |
| Geico | $6,076 | $6,124 |
| Nationwide | $10,001 | $12,950 |
| Progressive | $11,425 | $12,701 |
| State Farm | $5,099 | $6,477 |
| USAA | $5,562 | $6,095 |
Cheap Edinburg, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Edinburg, Texas? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $4,051 | $4,051 |
| American Family | $2,785 | $3,208 |
| Geico | $2,804 | $3,286 |
| Nationwide | $3,181 | $3,388 |
| Progressive | $2,541 | $2,606 |
| State Farm | $1,911 | $1,911 |
| USAA | $1,968 | $1,984 |
Cheap Edinburg, Texas Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Edinburg, Texas compared to the annual auto insurance rates with a clean record in Edinburg, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,898 | $7,316 | $7,558 | $4,898 |
| American Family | $4,549 | $5,778 | $5,074 | $4,549 |
| Geico | $3,185 | $4,207 | $3,509 | $4,145 |
| Nationwide | $4,924 | $4,924 | $7,384 | $5,588 |
| Progressive | $4,539 | $5,845 | $5,326 | $5,125 |
| State Farm | $2,716 | $3,112 | $3,674 | $2,716 |
| USAA | $2,379 | $3,515 | $4,114 | $2,735 |
Cheap Edinburg, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Edinburg, Texas is not easy. Compare the annual rates for DUI auto insurance in Edinburg, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,558 |
| American Family | $5,074 |
| Geico | $3,509 |
| Nationwide | $7,384 |
| Progressive | $5,326 |
| State Farm | $3,674 |
| USAA | $4,114 |
Cheap Edinburg, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Edinburg, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,880 | $5,731 | $4,892 |
| American Family | $6,797 | $4,364 | $3,802 |
| Geico | $5,823 | $3,282 | $2,178 |
| Nationwide | $6,899 | $5,471 | $4,746 |
| Progressive | $5,920 | $5,051 | $4,656 |
| State Farm | $4,329 | $2,691 | $2,143 |
| USAA | $4,666 | $2,708 | $2,184 |
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Cheap Edinburg, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Edinburg, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Edinburg, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 78539 | $6,715 |
| 78541 | $6,874 |
| 78542 | $6,697 |
Cheap Edinburg, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Edinburg, Texas auto insurance. Find the cheapest annual Edinburg, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,023 | $6,312 |
| American Family | $4,988 | $4,988 |
| Geico | $3,682 | $3,840 |
| Nationwide | $5,705 | $5,705 |
| Progressive | $5,209 | $5,209 |
| State Farm | $3,054 | $3,054 |
| USAA | $3,144 | $3,228 |
Cheap Edinburg, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Edinburg, Texas? Check out the comparison of annual Edinburg, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,017 | $6,111 | $6,375 |
| American Family | $4,566 | $4,753 | $5,644 |
| Geico | $3,420 | $3,655 | $4,210 |
| Nationwide | $6,048 | $5,446 | $5,621 |
| Progressive | $4,843 | $5,173 | $5,610 |
| State Farm | $2,853 | $3,030 | $3,280 |
| USAA | $3,048 | $3,166 | $3,344 |
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Best By Category: Cheapest Auto Insurance in Edinburg, Texas
Compare the cheapest auto insurance companies in Edinburg, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | State Farm |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | Geico |
| With 1 Speeding Violation | State Farm |
The Cheapest Edinburg, Texas Auto Insurance Companies
What auto insurance companies in Edinburg, Texas are the cheapest? Compare the top Edinburg, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,168 |
| American Family | $4,988 |
| Geico | $3,761 |
| Nationwide | $5,705 |
| Progressive | $5,209 |
| State Farm | $3,054 |
| USAA | $3,186 |
What affects auto insurance rates in Edinburg, Texas?
There are a lot of reasons why auto insurance rates in Edinburg, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Edinburg, Texas. Many local factors may affect your Edinburg auto insurance rates.
Edinburg Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Edinburg, Texas auto theft statistics, there have been 74 auto thefts in the city.
Edinburg Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Edinburg, Texas commute length is 19.4 minutes according to City-Data.
Edinburg Traffic
How does Edinburg, Texas rank for traffic? According to Inrix Edinburg, Texas is the 112th most congested worldwide.
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Compare Edinburg, Texas Auto Insurance Quotes
Before you buy Edinburg, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Edinburg, Texas auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection for vehicles and their owners in the event of accidents, theft, or damage. It typically includes liability coverage, which pays for bodily injury and property damage to others, as well as coverage for the insured vehicle itself.
Is auto insurance mandatory in Edinburg, TX?
Yes, auto insurance is mandatory in Edinburg, TX, as it is in most states in the United States. Texas law requires drivers to carry minimum liability insurance coverage to help cover costs in the event of an accident.
What are the minimum auto insurance requirements in Edinburg, TX?
The minimum auto insurance requirements in Edinburg, TX are as follows:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
How is auto insurance premium determined in Edinburg, TX?
Auto insurance premiums in Edinburg, TX are typically determined based on various factors, including the insured driver’s age, gender, driving history, credit score, the type of vehicle insured, the coverage limits chosen, and the deductible amount selected. Insurance companies also consider the local area’s accident rates, population density, and crime rates.
Can I get discounts on auto insurance in Edinburg, TX?
Yes, many insurance companies offer discounts on auto insurance in Edinburg, TX. Common discounts include safe driver discounts, multi-vehicle discounts, bundling multiple policies (such as auto and home insurance) with the same company, and discounts for installing safety devices in your vehicle.
How can I find affordable auto insurance in Edinburg, TX?
To find affordable auto insurance in Edinburg, TX, consider the following steps:
- Shop around and compare quotes from multiple insurance companies.
- Maintain a good driving record to qualify for lower rates.
- Increase your deductibles, but ensure you can afford them in case of a claim.
- Take advantage of available discounts.
- Consider bundling your auto insurance with other policies from the same insurer.
- Seek the assistance of an insurance agent or broker who can help you find the best coverage at a competitive price.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Brandon Frady
Licensed Insurance Producer
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.