Best Harlingen, Texas Auto Insurance in 2024
The average Harlingen, TX auto insurance rates are $342 per month. The minimum auto insurance in Harlingen is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Harlingen, Texas, compare quotes from multiple companies.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Sep 10, 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 10, 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 minimum auto insurance required in Harlingen, Texas is 30/60/25
- Average auto insurance rates in Harlingen, TX for senior drivers are $2,537 per year
- The average commute length in Harlingen is 17.1 minutes
Harlingen, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Harlingen 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 Harlingen, Texas, including driving record, credit, commute time, and more.
Compare auto insurance in Harlingen to other Texas cities, including San Antonio auto insurance rates, Houston auto insurance rates, and Arlington auto insurance rates to see how Harlingen, Texas auto insurance rates stack up.
Before you buy Harlingen, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Harlingen, Texas auto insurance quotes.
Minimum Auto Insurance in Harlingen, Texas
Harlingen, 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 Harlingen, 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 Harlingen, Texas Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Harlingen, 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 | $3,789 | $3,839 | $3,745 | $3,745 | $9,657 | $11,714 | $4,690 | $4,912 |
| American Family | $2,547 | $2,839 | $2,376 | $2,725 | $6,668 | $8,644 | $3,644 | $4,128 |
| Geico | $2,330 | $2,529 | $2,301 | $2,652 | $4,966 | $5,061 | $2,496 | $2,426 |
| Nationwide | $3,468 | $3,543 | $3,050 | $3,253 | $9,499 | $12,319 | $4,042 | $4,399 |
| Progressive | $2,468 | $2,364 | $2,177 | $2,229 | $9,675 | $10,797 | $2,919 | $2,960 |
| State Farm | $1,982 | $1,982 | $1,758 | $1,758 | $4,653 | $5,904 | $2,148 | $2,206 |
| USAA | $1,955 | $1,991 | $1,867 | $1,887 | $5,223 | $5,743 | $2,621 | $2,855 |
Cheap Harlingen, Texas Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Harlingen, Texas is a challenge. Take a look at the annual teen auto insurance rates in Harlingen, Texas.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $9,657 | $11,714 |
| American Family | $6,668 | $8,644 |
| Geico | $4,966 | $5,061 |
| Nationwide | $9,499 | $12,319 |
| Progressive | $9,675 | $10,797 |
| State Farm | $4,653 | $5,904 |
| USAA | $5,223 | $5,743 |
Cheap Harlingen, Texas Auto Insurance for Seniors
What are senior auto insurance rates in Harlingen, 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 | $3,745 | $3,745 |
| American Family | $2,376 | $2,725 |
| Geico | $2,301 | $2,652 |
| Nationwide | $3,050 | $3,253 |
| Progressive | $2,177 | $2,229 |
| State Farm | $1,758 | $1,758 |
| USAA | $1,867 | $1,887 |
Cheap Harlingen, 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 Harlingen, Texas compared to the annual auto insurance rates with a clean record in Harlingen, Texas.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,543 | $6,854 | $7,104 | $4,543 |
| American Family | $3,838 | $4,844 | $4,266 | $3,838 |
| Geico | $2,628 | $3,455 | $2,897 | $3,400 |
| Nationwide | $4,700 | $4,700 | $7,052 | $5,335 |
| Progressive | $3,883 | $4,976 | $4,551 | $4,383 |
| State Farm | $2,494 | $2,851 | $3,358 | $2,494 |
| USAA | $2,261 | $3,324 | $3,888 | $2,598 |
Cheap Harlingen, Texas Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Harlingen, Texas is not easy. Compare the annual rates for DUI auto insurance in Harlingen, Texas to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,104 |
| American Family | $4,266 |
| Geico | $2,897 |
| Nationwide | $7,052 |
| Progressive | $4,551 |
| State Farm | $3,358 |
| USAA | $3,888 |
Cheap Harlingen, Texas Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Harlingen, Texas annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,350 | $5,358 | $4,576 |
| American Family | $5,732 | $3,663 | $3,194 |
| Geico | $4,771 | $2,706 | $1,809 |
| Nationwide | $6,591 | $5,219 | $4,530 |
| Progressive | $5,056 | $4,313 | $3,976 |
| State Farm | $3,966 | $2,467 | $1,965 |
| USAA | $4,441 | $2,557 | $2,056 |
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Cheap Harlingen, Texas Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Harlingen, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Harlingen, Texas to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 78550 | $6,070 |
| 78552 | $5,947 |
Cheap Harlingen, Texas Auto Insurance Rates By Commute
Commute length and annual mileage affect Harlingen, Texas auto insurance. Find the cheapest annual Harlingen, Texas auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,626 | $5,897 |
| American Family | $4,196 | $4,196 |
| Geico | $3,033 | $3,157 |
| Nationwide | $5,447 | $5,447 |
| Progressive | $4,449 | $4,449 |
| State Farm | $2,799 | $2,799 |
| USAA | $2,978 | $3,057 |
Cheap Harlingen, Texas Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Harlingen, Texas? Check out the comparison of annual Harlingen, Texas auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,633 | $5,713 | $5,938 |
| American Family | $3,848 | $4,005 | $4,736 |
| Geico | $2,856 | $3,024 | $3,405 |
| Nationwide | $5,795 | $5,197 | $5,347 |
| Progressive | $4,182 | $4,426 | $4,738 |
| State Farm | $2,622 | $2,779 | $2,996 |
| USAA | $2,899 | $3,001 | $3,153 |
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Best By Category: Cheapest Auto Insurance in Harlingen, Texas
Compare the cheapest auto insurance companies in Harlingen, Texas in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | State Farm |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | Geico |
| With 1 Speeding Violation | State Farm |
The Cheapest Harlingen, Texas Auto Insurance Companies
What auto insurance companies in Harlingen, Texas are the cheapest? Compare the top Harlingen, Texas auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,761 |
| American Family | $4,196 |
| Geico | $3,095 |
| Nationwide | $5,447 |
| Progressive | $4,449 |
| State Farm | $2,799 |
| USAA | $3,018 |
What affects auto insurance rates in Harlingen, Texas?
There are a lot of reasons why auto insurance rates in Harlingen, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Harlingen, Texas. Many local factors may affect your Harlingen auto insurance rates.
Harlingen Auto Theft
More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Harlingen, Texas auto theft statistics, there have been 75 auto thefts in the city.
Harlingen Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Harlingen, Texas commute length is 17.1 minutes according to City-Data.
Harlingen Traffic
How does Harlingen, Texas rank for traffic? According to Inrix Harlingen, Texas is the 997th most congested worldwide.
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Compare Harlingen, Texas Auto Insurance Quotes
Before you buy Harlingen, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Harlingen, Texas auto insurance quotes.
Frequently Asked Questions
What is Harlingen, TX Auto Insurance?
Harlingen, TX Auto Insurance refers to the auto insurance coverage available to residents of Harlingen, Texas. It provides financial protection and coverage for vehicles against potential risks, damages, and liabilities.
What types of auto insurance coverage are available in Harlingen, TX?
Harlingen, TX offers various types of auto insurance coverage, including:
- Liability Coverage: This coverage helps pay for damages and injuries to others if you are found at fault in an accident.
- Collision Coverage: It covers the cost of repairs or replacement if your vehicle is damaged in a collision with another vehicle or object.
- Comprehensive Coverage: This coverage protects against non-collision-related damages, such as theft, vandalism, or natural disasters.
- Personal Injury Protection (PIP): PIP coverage helps pay for medical expenses and lost wages for you and your passengers, regardless of fault.
- Uninsured/Underinsured Motorist Coverage: This coverage provides protection if you are involved in an accident with a driver who has insufficient or no insurance coverage.
Are there any specific auto insurance requirements in Harlingen, TX?
Yes, Harlingen, TX follows the auto insurance requirements set by the state of Texas. Drivers in Harlingen are required to carry minimum liability insurance coverage, which includes $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability per accident. Additional coverage may be recommended for better protection.
How can I find affordable auto insurance in Harlingen, TX?
To find affordable auto insurance in Harlingen, TX, consider the following tips:
- Shop around: Obtain quotes from multiple insurance providers to compare coverage options and rates.
- Consider discounts: Inquire about available discounts such as safe driver discounts, multi-policy discounts, or discounts for certain safety features on your vehicle.
- Maintain a good driving record: A clean driving record can often result in lower insurance premiums.
- Increase deductibles: Choosing higher deductibles may lower your premium, but be prepared to pay more out of pocket in the event of a claim.
- Review your coverage needs: Ensure that you have the appropriate coverage for your specific circumstances. Adjusting coverage limits or removing unnecessary coverage can help reduce costs.
Are there any local insurance requirements specific to Harlingen, TX?
While Harlingen, TX follows the auto insurance requirements set by the state of Texas, there are no additional local insurance requirements specific to Harlingen.
Where can I purchase auto insurance in Harlingen, TX?
Auto insurance can be purchased from various sources in Harlingen, TX. You can contact insurance agents or brokers, visit their offices, or utilize online platforms to obtain quotes and purchase coverage. Many insurance companies also offer the option to purchase insurance directly from their websites or over the phone.
Can I use my auto insurance outside of Harlingen, TX?
Yes, your auto insurance coverage typically extends beyond Harlingen, TX. Your coverage is valid within the state of Texas and may also provide limited coverage when driving in other states within the United States. However, it’s essential to review the terms and conditions of your specific insurance policy to understand the extent of coverage while traveling outside Harlingen.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
Licensed Insurance Agent
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.