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Cheapest car insurance in Edinburg, Texas (Nov 2024)
Cheapest car insurance in Edinburg, Texas (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Edinburg, Texas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
Learn more about our insurance review board
What's on this page?
- How to find the cheapest car insurance quotes in Edinburg
- Best car insurance companies in Edinburg
- Best cheap car insurance quotes in Edinburg
- Average cost of car insurance in Edinburg by zip code
- Car insurance quotes in Edinburg by rating factors
- How do different factors impact your car insurance costs in Edinburg?
- Cheap car insurance quotes in Edinburg after driving violations
- Cheap car insurance quotes in Edinburg by age
- Cheap car insurance quotes in Edinburg based on insurance history
- Cheap car insurance quotes in Edinburg for popular cars
- How to lower car insurance costs in Edinburg
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance quotes in Edinburg
In Edinburg, the average
auto insurance
policy costs about $92 per month for minimum coverage liability insurance, and $148 per month for full coverage insurance.Take a look at what Edinburg drivers are paying for minimum and full coverage compared to the state and national average.
Coverage | Edinburg, TX | Texas | United States |
|---|---|---|---|
Minimum coverage | $92 | $85 | $77 |
Full coverage | $148 | $198 | $165 |
The best way to find cheap car insurance in Edinburg is with the
Jerry
app. Using Jerry, you can compare rates and buy car insurance
in under three hours to help you find your best rates.| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $85 | Isabelle, 37 Zip: 78539 | Toyota Camry | • State Minimum Liability |
| Safeco | $86 | Marion, 30 Zip: 78541 | Dodge Charger R/T | • State Minimum Liability |
| Travelers | $87 | Tillie, 43 Zip: 78541 | Infiniti QX70 | • 50,000/100,000 Liability • Comp / Collision |
| Allstate | $80 | Janie, 29 Zip: 78541 | Volkswagen Passat R-Line | • State Minimum Liability |
Clearcover | $79 | Allen, 28 Zip: 78542 | Nissan Sentra S | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Best car insurance companies in Edinburg
No one car insurance company is the right fit for every driver. The primary reason is that every customer gets different
car insurance quotes
based on their profile—so the most affordable company differs for everyone. Besides price, you also have to consider factors such as claims handling and customer service. Jerry conducted the largest insurance survey in the country to help drivers better compare the cheapest car insurance companies.
Progressive
,Travelers
, and National General
tend to be popular insurers among Edinburg policyholders. But let’s take a look at how our customers reviewed them on a scale of 0 to 5.Insurance company | Monthly minimum coverage cost | Monthly full coverage cost | Cost rating | Overall Jerry rating |
|---|---|---|---|---|
$47 | $178 | 3.8 | 3.6 | |
$81 | $288 | 4.0 | 4.3 | |
$78 | $180 | 3.9 | 4.3 | |
$27 | $163 | 4.4 | 4.6 | |
$194 | $508 | 4.8 | 4.8 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Edinburg
Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Edinburg—and offers you the cheapest rate.
But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.
Cheap minimum liability insurance quotes in Edinburg
To hit the road legally, Edinburg drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 for property damage
These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving.
While not all drivers will receive the same quote with all providers, here’s what Edinburg drivers paid on average with some of the top insurers in the city.
Insurance company | Monthly minimum coverage cost |
|---|---|
$27 | |
$47 | |
$78 | |
$81 | |
$194 |
Do you need more than minimum coverage in Edinburg?
Most drivers in Edinburg need higher liability coverage than the 30/60/25 state minimum mandated by
Texas car insurance laws
. If you cause an accident, you could be responsible for medical bills and vehicle repairs well past the 30/60/25 limit, especially if you cause severe injuries to another person. If the car is totaled, the cost to replace it can be more than $40,000—well above the $25,000 property damage limit.
It’s important to note that
Texas’ car accident laws
allow drivers to file bodily injury and property damage lawsuits for up to two years after a car accident—so your liability extends long past the accident date! For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
For optimal financial protection, you should consider 50/100/50 or 100/300/100 liability coverage—even if you choose not to have full coverage on your car.
Cheap full coverage car insurance quotes in Edinburg
Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. Full coverage includes comprehensive and collision coverage:
- Collision coveragecovers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive coveragepays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters.
If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. These insurance companies offer the lowest average rates for Edinburg drivers with full coverage.
Insurance provider | Monthly full coverage cost |
|---|---|
$163 | |
$178 | |
$180 | |
$288 | |
$508 |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.Average cost of car insurance in Edinburg by zip code
Where you live can also impact your insurance premium—right down to your zip code. Insurance companies consider factors like population density, accident rates, crime statistics, and local weather conditions when calculating your premium.
Take a look at the table below to see what monthly minimum rates look like on average, for different ZIP codes in Edinburg.
ZIP code | Monthly coverage cost |
|---|---|
78541 | $102 |
78539 | $118 |
78542 | $126 |
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Sean S.
Car insurance quotes in Edinburg by rating factors
- Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
- Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
- Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density.
- Your mileage: High annual mileage can result in higher insurance costs.
- The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
- Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.
How do different factors impact your car insurance costs in Edinburg?
How do different factors impact your car insurance costs in Edinburg?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Edinburg:
Cheap car insurance quotes in Edinburg after driving violations
Your
Texas driving record
influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Edinburg after speeding ticket
In Edinburg, a speeding ticket could increase your car insurance rate by more than 50%. Here's how a speeding violation can impact your rates in Edinburg.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
Speeding | $218 | 81.6% |
Cheapest car insurance in Edinburg after DUI
A
DUI
in Edinburg is a serious violation and it will trigger extremely high rates for car insurance and label you as a high-risk driver
. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to shop around and compare rates
. Jerry has assisted many Texas drivers with finding affordable rates after a DUI. Check out the table below to see what you may pay for car insurance after a DUI in Edinburg—and what your rates could increase by.
Violation | Monthly coverage cost | Rate increase (%) |
|---|---|---|
DUI | $225 | 87.5% |
Cheapest car insurance in Edinburg after an at-fault accident
One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
Take a look at how your premiums can change with at-fault accidents in the recent past.
Driving record | Monthly coverage cost | Rate increase (%) |
|---|---|---|
At-fault accident | $274 | 128% |
Cheapest car insurance in Edinburg after other driving violations
Speeding tickets, DUIs,
reckless driving
, and suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Edinburg.Here’s a list of different driving violations and how much your rates could increase after these infractions.
Violation | Monthly minimum coverage cost | Rate increase (%) |
|---|---|---|
Failure to yield | $158 | 31.6% |
Failure to observe a safety zone | $207 | 72.5% |
Wrong way/Wrong lane | $237 | 97.5% |
Cheap car insurance quotes in Edinburg by age
Young people and seniors generally face the highest insurance rates.
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.
Cheapest car insurance in Edinburg for young drivers
Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Edinburg, although rates typically stay high until a driver reaches the age of 25. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents. Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option!
This table shows what Edinburg drivers between 18 and 25 pay for minimum liability and full coverage car insurance.
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
18–21 | $258 | $368 |
22–25 | $164 | $291 |
Cheapest car insurance in Edinburg for middle-aged drivers
As drivers gain more experience behind the wheel, their rates lower. Drivers 25-34 see some of the cheapest rates for all age demographics, with rates rising again for ages 35-44, and again for 65+.
On average, this is what middle-aged drivers pay for coverage in Edinburg.
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
26-34 | $66 | $221 |
35-44 | $101 | $180 |
45-54 | $98 | $181 |
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.
Cheapest car insurance in Edinburg for senior drivers
Car insurance rates for seniors
tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.Here’s what drivers pay on average for full coverage and minimum liability insurance once they reach ages 55 and up.
Age group | Monthly minimum coverage cost | Monthly full coverage cost |
|---|---|---|
55–64 | $89 | $145 |
65+ | $110 | $187 |
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Cheap car insurance quotes in Edinburg based on insurance history
Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
. Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. Check out the table below to see how a lapse can influence your premiums.
Insurance history | Monthly minimum coverage cost | Rate increase (%) |
|---|---|---|
With coverage lapses | $191 | 59% |
Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores
often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 700) will pay less on car insurance compared to individuals with poorer scores (below 600).
Here are the average car insurance costs for Edinburg drivers based on their credit rating.
Credit score | Monthly minimum coverage cost |
|---|---|
< 600 | $113 |
601–699 | $112 |
700+ | $85 |
Cheap car insurance quotes in Edinburg for popular cars
The make and model of your vehicle is an important factor in determining your insurance rate in Edinburg. Every model has a unique cost of repair, set of safety features, and rate of theft.
This is what drivers pay on average to insure some of the most popular vehicles in Edinburg.
Vehicle type | Monthly minimum coverage cost |
|---|---|
$102 | |
$182 | |
$74 | |
$153 | |
$144 |
How to lower car insurance costs in Edinburg
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free!
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: - Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims
- Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
- Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
What is the minimum car insurance in Edinburg, Texas?
The state-minimum car insurance in Edinburg, Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.
How much is car insurance in Edinburg?
People living in Edinburg pay on average $92 per month – or $1104 per year – on state-minimum liability coverage. Full coverage in Edinburg costs on average $148 per month or $1776 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the cheapest car insurance in Edinburg?
Based on thousands of Edinburg drivers Jerry has worked with, most drivers find the cheapest premiums with ,
Nationwide
, and Progressive
.What is the best car insurance in Edinburg?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too.
Progressive
, Travelers
and National General
receive good ratings from Edinburg drivers, based on the largest car insurance survey in the nation conducted by Jerry.Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray
Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.