Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Pharr, Texas (Apr 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Pharr, Texas.
compare
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
compare
avatar
Jasmine Kanter
Expert Insurance Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Maria Cruz, Expert Insurance Writer & Editor

How to find the cheapest car insurance quotes in Pharr

In Pharr, the average
auto insurance
policy costs about $106 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. Pharr drivers pay 9% more than the
Texas
average.  
Every month, thousands of savvy car insurance shoppers in Pharr, Texas use the
trusted broker
Jerry Insurance Agency to seamlessly compare prices and procure a policy. To prove it, here are some cheapest car insurance quotes Jerry found for our Pharr customers.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$100
Lily, 45
Zip: 78577
Nissan Altima SR
• 100,000/300,000 Liability
• Comp / Collision
Travelers
$131
Carlos, 34
Zip: 78577
Chevrolet Traverse LT
• 50,000/100,000 Liability
• Comp / Collision
Clearcover
$66
Sophia, 52
Zip: 78577
Toyota Tacoma Double Cab
• State Minimum Liability
Bristol West
$318
Adele, 26
Zip: 78577
Dodge Charger R/T
• State Minimum Liability
Commonwealth Insurance
$85
Luke, 46
Zip: 78577
Chevrolet Silverado C1500
• State Minimum Liability
coverageLast Updated Apr 10, 2024

Best car insurance companies in Pharr

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. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4
3.8
4.3
USAA
4.2
3.3
4.4
4.3
State Farm
3.9
3.4
3.7
4
Geico
3.9
3.1
4.2
4.1
Liberty Mutual
3.3
2.6
N/A
3.2
Highlighticon

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 Pharr

Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Pharr—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 Pharr

To hit the road legally, Pharr 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. 
Jerry has helped Pharr drivers find affordable minimum liability coverage with no hassles.
card cover
Ian (55 years old)
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
$76
per month
card cover
Erik (50 years old)
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
carChrysler 200 LX
$109
per month
card cover
Brent (27 years old)
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
$162
per month
card cover
Electric
Lloyd (32 years old)
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
$188
per month

Do you need more than minimum coverage in Pharr?

Most drivers in Pharr 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! 
The bottom line: 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 Pharr

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 coverage
    covers the cost of repairing or replacing your car after an accident. In contrast
  • Comprehensive coverage
    pays 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. 
Jerry has helped drivers in Pharr and beyond find full coverage quotes that won’t break the bank.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• 100,000/300,000 Liability
• Comp / Collision
Progressive
$100
Lily, 45
Zip: 78577
Nissan Altima SR
• 50,000/100,000 Liability
• Comp / Collision
Travelers
$131
Carlos, 34
Zip: 78577
Chevrolet Traverse LT
• 100,000/300,000 Liability
• Comp / Collision
Mercury
$190
Stanley, 43
Zip: 78577
Nissan Versa Note S
• State Minimum Liability
• Comp / Collision
Bristol West
$258
Johnny, 23
Zip: 78577
Hyundai Tucson Limited
• 50,000/100,000 Liability
• Comp / Collision
Electric
$328
Julia, 27
Zip: 78577
Volkswagen Jetta S
coverageLast Updated Apr 12, 2024
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 Pharr

After analyzing scores of insurance providers in Pharr, we have discovered that the average price for minimum liability coverage amounts to be $106 per month or $1,270 per year. Additionally, residents of Pharr can expect to pay an average of $150 per month or $1,800 per year for full coverage insurance.
While it's useful to understand average insurance rates to estimate your personal insurance costs, it's important to note that individual insurance premiums are influenced by numerous factors. These factors may include vehicle type, driving history, claims record, and other key demographics.
Lower my car insurance too!

Car insurance quotes in Pharr by rating factors 

Insurance companies in Pharr use many rating factors when
deciding your auto insurance premium
:  
  • 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 Pharr?

icon
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
icon
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 Pharr:

Cheap car insurance quotes in Pharr 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 Pharr after speeding ticket

In Pharr, a speeding ticket could increase your car insurance rate by about 19%. Thankfully, Jerry helps drivers with speeding tickets save on car insurance.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Safeco
$71
Ivan, 33
Zip: 78577
Jaguar XE
• 100,000/300,000 Liability
• Comp / Collision
Speeding 6-10
AAA
$72
Alma, 37
Zip: 78577
Saturn VUE
• State Minimum Liability
coverageLast Updated Apr 7, 2024

Cheapest car insurance in Pharr after DUI

A
DUI
in Pharr 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 Pharr drivers with finding affordable rates after a DUI.
card cover
Sallie (43 years old)
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
$57
per month
card cover
Nina (35 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
locationPharr, TX
(Zip Code: 78577)
$82
per month

Cheapest car insurance in Pharr 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.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$388
Lily, 26
Zip: 78577
Dodge Charger R/T
• State Minimum Liability
• Comp / Collision
Not At Fault
Allstate
$162
Vera, 27
Zip: 78577
Toyota Tacoma Double Cab
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Bristol West
$318
Winnie, 26
Zip: 78577
Dodge Charger R/T
• State Minimum Liability
coverageLast Updated Apr 12, 2024

Cheapest car insurance in Pharr 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 Pharr.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Failure to Obey Signal
Progressive
$232
Tyler, 24
Zip: 78577
Nissan Sentra SV
• 50,000/100,000 Liability
• Comp / Collision
Failure to Obey Signal
Clearcover
$111
Henrietta, 24
Zip: 78577
Dodge Charger SE
• State Minimum Liability
coverageLast Updated Apr 8, 2024

Cheap car insurance quotes in Pharr 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 Pharr for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Pharr. 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! Take a look at these real quotes teen drivers in Texas found with the Jerry app.
card cover
Leon (24 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPharr, TX
(Zip Code: 78577)
$232
per month
card cover
Eric (23 years old)
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
carChevrolet Sonic LT
$111
per month
card cover
Clearcover
Rachel (23 years old)
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
$192
per month
card cover
Charles (24 years old)
coverageCoverage
30,000 per person
30,000 per accident bodily injury
locationPharr, TX
(Zip Code: 78577)
$125
per month

Cheapest car insurance in Pharr 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.
But with Jerry, senior drivers can continue to save on car insurance. Here's what real senior motorists in Texas were quoted using the Jerry app:
card cover
Emma (72 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
locationPharr, TX
(Zip Code: 78577)
$64
per month

Cheap car insurance quotes in Pharr 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. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Julia (45 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPharr, TX
(Zip Code: 78577)
$100
per month
card cover
Larry (27 years old)
Currently Insured
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
$162
per month
card cover
Mae (34 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPharr, TX
(Zip Code: 78577)
$131
per month
card cover
Harold (50 years old)
Currently Insured
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
carChrysler 200 LX
$109
per month
card cover
Gainsco
Gussie (35 years old)
Currently Insured
coverageCoverage
State Minimum
locationPharr, TX
(Zip Code: 78577)
$224
per month

Cheap car insurance quotes in Pharr 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 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Take a look at how your rates could change with a lower credit score, and the premiums you could find using Jerry:
Credit rangeInsurance companyPremium (monthly)CustomerCarInsurance coverage
> 750
Progressive
$193
Glen, 24
Zip: 78577
Nissan Sentra SV
• State Minimum Liability
• Comp / Collision
660 - 750
Safeco
$109
Terry, 50
Zip: 78577
Chrysler 200 LX
• State Minimum Liability
660 - 750
Gainsco
$132
Margaret, 50
Zip: 78577
Chrysler 200 LX
• State Minimum Liability
550 - 659
Bristol West
$318
Winnie, 26
Zip: 78577
Dodge Charger R/T
• State Minimum Liability
< 550
Progressive
$76
Irene, 55
Zip: 78577
Mercury Mariner
• State Minimum Liability
coverageLast Updated Apr 8, 2024

How to lower car insurance costs in Pharr

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.

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’s the cheapest car insurance in Texas?

The cheapest car insurance in Texas is the minimum amount of liability coverage required by state law, which follows the 30/60/25 rule. That means at least $30,000 of bodily injury liability coverage per person (to a maximum of $60,000 per accident) and $25,000 of property damage liability coverage.

How can I lower my car insurance in Texas?

The best way to lower your car insurance in Texas is to comparison shop. Different companies cater to different demographics, and you’ll find the best match for your particular driver profile (which includes your age, driving history, and more) by comparing the competition.

How much is average car insurance in Texas? 

The average car insurance in Texas is $85 per month for minimum coverage or $198 per month for full coverage. This means the average rates in the Lone Star State add up to a total insurance cost of anywhere between $1,021 to $2,374 per year.

Why is car insurance so high in Texas?

Car insurance rates are high in Texas thanks to the state’s above-average rate of motor vehicle crash deaths, increasing frequency of severe weather, and population density. With a reported population of over 30,000,000 people in 2023, the densely populated state also saw a historic number of natural weather disasters that year—including hail storms, heat waves, and droughts. 
IIHS reported in 2021 that Texas also suffered an average of 15 crash deaths per 100,000 people per year. The more accidents a state experiences, the higher their average cost of insurance will be. 

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

avatar
Jasmine Kanter
Jasmine Kanter is an insurance writer specializing in subjects relating to home ownership, car insurance requirements, and driving tips. Jasmine combines her background in communication and languages with a passion for writing to create straightforward, yet comprehensive content that’s accessible to car enthusiasts, beginners, and everyone in between. Since joining the Jerry team, Jasmine has penned nearly 300 articles covering subjects from how to save money on homeownership costs to roadside assistance service reviews.
Prior to joining Jerry, Jasmine worked as a storyboard analyst for Depanneur Films and a training assistant for Assistance Services Group.
avatar
Maria Cruz
badge icon
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.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.