Best Edinburg, TX Car Insurance in 2024
Car insurance in Edinburg, TX averages $382 a month. Edinburg, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Edinburg car insurance rates, compare quotes from the top car insurance companies in Edinburg, TX.
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Dorothea Hudson
Insurance and Finance Writer
Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...
Insurance and Finance Writer
UPDATED: Oct 24, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Oct 24, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Edinburg is State Farm
- Average car insurance rates in Edinburg, TX after a DUI are $5,234/year
- The cheapest ZIP code in Edinburg is 78542
If you need to buy Edinburg, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Edinburg, TX is right here.
You’ll find Edinburg car insurance rates, the cheapest Edinburg, TX car insurance companies, and information on Texas car insurance laws. You can also compare Edinburg, Texas car insurance rates to Corpus Christi car insurance rates, and Houston car insurance rates.
Ready to find affordable Edinburg, TX car insurance today? Enter your ZIP code for fast, free Edinburg car insurance quotes.
Cheapest Edinburg, TX Car Insurance Rates By Age, Gender, and Marital Status
What are the factors that affect car insurance rates? How do age, gender, and marital status affect Edinburg, TX car insurance rates? Do you know the cost of married car insurance vs. single car insurance? Every Edinburg, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Edinburg, TX
Every driver must carry the minimum car insurance in Edinburg, TX. It’s important to know how to find car insurance coverage requirements in your state. Take a look at the Texas car insurance requirements.
| 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 |
Cheapest Edinburg, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Edinburg, TX. Compare credit history car insurance rates in Edinburg from top companies for good, fair, and poor credit. What is a good credit discount? You may find savings if you have good credit.
| 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 |
Cheapest Edinburg, TX Car Insurance Rates by Driving Record
Do car insurance companies check your driving record? Your driving record is one of the biggest factors affecting car insurance costs. Compare car insurance rates with a bad driving record in Edinburg, TX to rates for a clean record with top companies. Read more about the best car insurance companies.
| 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 |
Cheapest Edinburg, TX Car Insurance for Teen Drivers
Teen car insurance in Edinburg, TX can be expensive. Compare car insurance rates for teen drivers from the top car insurance companies in Edinburg.
| 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 |
Cheapest Edinburg, TX Car Insurance for Seniors
Take a look at Edinburg, TX car insurance rates for seniors from top companies. Shopping around can make a big difference for senior 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 |
Cheapest Edinburg, TX Car Insurance Rates After a DUI
A DUI in Edinburg, TX increases car insurance rates. Compare car insurance rates after a DUI in Edinburg, Texas by company to find the cheapest option.
| Insurance Company | Annual Car 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 |
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Cheapest Edinburg, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Edinburg, TX by commute? Take a look at a comparison of the top companies by commute length. Find out how to get lower car insurance by driving less, if you don’t have a commute.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 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 |
Cheapest Edinburg, TX Car Insurance Rates by ZIP Code
Edinburg car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Edinburg, TX. Where you live is part of what affects a car insurance quote.
| ZIP Code | Average Annual Rates |
|---|---|
| 78539 | $6,715 |
| 78541 | $6,874 |
| 78542 | $6,697 |
The Best Cheap Car Insurance Companies in Edinburg, TX
Take a look at a side-by-side comparison of the top car insurance companies in Edinburg, TX to find the best option for your needs. For more information, read about the best car insurance companies.
| 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 |
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Category Winners: Cheapest Car Insurance in Edinburg, Texas
Find the cheapest car insurance companies in Edinburg, TX for each category right here.
| 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 |
Cheapest Edinburg, TX Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Edinburg car insurance rates. Understanding the types of car insurance coverage is important. Find the cheapest Edinburg, TX car 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 |
What affects car insurance rates in Edinburg, Texas?
What factors can have an impact on Edinburg, TX car insurance? There are several reasons why Edinburg car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Edinburg, Texas.
Car Theft in Edinburg
High levels of vehicle theft can make car insurance more expensive. Edinburg, TX car theft statistics from the FBI indicate 74 vehicle thefts a year. Read about the states with the highest vehicle theft rate to compare.
Commute Time in Edinburg
The more time you spend in your car the higher the risk of an accident. The average commute length in Edinburg, TX is 19.4 minutes according to City-Data.
Traffic in Edinburg
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Edinburg, TX traffic data from INRIX ranks Edinburg as the 112th-most congested in the world.
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Compare Car Insurance Quotes in Edinburg, TX
Learn how to compare multiple car insurance quotes online. Ready to find affordable Edinburg, Texas car insurance today? Enter your ZIP code for fast, free Edinburg, TX car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Edinburg, TX?
To compare car insurance rates in Edinburg, TX, you can follow these steps:
- Research insurance providers: Look for reputable insurance companies that operate in Edinburg, TX.
- Gather quotes: Contact multiple insurance companies and request quotes based on your specific needs.
- Provide accurate information: Ensure you provide accurate details about your vehicle, driving history, and coverage requirements when requesting quotes.
- Compare coverage options: Review the coverage levels, deductibles, and additional features offered by each insurance provider.
- Consider customer reviews: Check online reviews and ratings to gauge customer satisfaction and the insurer’s reputation.
- Evaluate premiums: Compare the premiums for similar coverage options from different insurance companies.
- Make an informed decision: Based on your research, choose the insurance policy that best fits your needs and budget.
Are car insurance rates the same for all drivers in Edinburg, TX?
No, car insurance rates in Edinburg, TX can vary from one driver to another. Insurance companies consider several factors when determining rates, such as your age, driving experience, vehicle type, driving record, credit history, and location. Additionally, factors specific to Edinburg, TX, such as local traffic patterns and accident statistics, may also influence insurance rates.
What factors affect car insurance rates in Edinburg, TX?
Several factors can impact car insurance rates in Edinburg, TX. Some common factors include:
- Age and gender: Younger drivers, especially teenagers, often have higher insurance rates compared to older, more experienced drivers.
- Driving record: Drivers with a history of accidents or traffic violations may face higher premiums.
- Vehicle type: The make, model, year, and safety features of your vehicle can affect insurance rates.
- Location: Where you live in Edinburg, TX can impact rates due to factors like crime rates, population density, and traffic patterns.
- Credit history: In some states, insurance companies may consider your credit history when determining rates.
- Coverage and deductibles: The level of coverage you choose and the deductible amount can affect your insurance premium.
How can I find affordable car insurance rates in Edinburg, TX?
To find affordable car insurance rates in Edinburg, TX, you can:
- Shop around: Obtain quotes from multiple insurance providers to compare rates and coverage options.
- Bundle policies: Consider bundling your car insurance with other policies, such as home or renters insurance, to potentially qualify for discounts.
- Maintain a good driving record: Avoid accidents and traffic violations to maintain a clean driving history, which can lead to lower premiums.
- Increase deductibles: Opting for a higher deductible can lower your premium, but be sure you can afford the deductible amount if you need to file a claim.
- Inquire about discounts: Ask insurance providers about available discounts, such as good student discoun
Are there any specific requirements for car insurance coverage in Edinburg, TX?
Yes, Texas state law requires drivers in Edinburg, TX to carry a minimum level of liability insurance coverage. The minimum requirements include:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Dorothea Hudson
Insurance and Finance Writer
Dorothea Hudson has been professionally writing in many spheres since 2013. She has written on entertainment, insurance, finance, travel, technology, AI, renewable energy, crypto, fundraising, and real estate for many websites. Her work has been published for British retailer Marks and Spencer, Kroger Magazine, the Vision Group, and more. Her passions include writing, music, running, travel, te...
Insurance and Finance Writer
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.