Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Rio Grande City, Texas (Jul 2024)

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

Best car insurance companies in Rio Grande City

There’s no consensus on the best auto insurance company in Texas. Every driver gets a different insurance quote depending on their profile, so there’s no single lowest-cost choice. Affordability also isn’t everyone’s top priority—you might also want to consider claims handling and customer service.
Jerry conducted an insurance shopping survey to help drivers better compare the biggest insurers in America. After asking 15,000 policyholders nationwide to rate their providers, Jerry discovered that providers like Clearcover, Mercury Auto, and Allstate in Rio Grande City scored some of the top ratings.
Additional large companies like Progressive and
State Farm
in Rio Grande City also scored high in the survey—with both affordable coverage available and high customer satisfaction.
Insurance Company
Overall Jerry rating
Average annual full coverage cost
Average annual minimum coverage cost
Clearcover
4.6
$1,424
$808
4.3
$1,582
$758
4.2
$1,832
$682
4.4
$1,987
$493
4.5
$2,069
$452
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.

How to find the cheapest car insurance quotes in Rio Grande City

Auto insurance
costs about $243 per month for a minimum coverage policy and about $124 per month for full coverage insurance in Rio Grande City. Compared to the rest of Texas, drivers in Rio Grande City pay 23% more than the state average.
Jerry
streamlines the process of
shopping for car insurance
in Rio Grande City, TX, with free quotes and automatic comparisons of local prices. See for yourself by browsing the deals Jerry found for
auto insurance in Texas
below.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$292
Maurice, 35
Zip: 78582
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
Safeco
$99
Jesse, 31
Zip: 78582
Chevrolet Impala Police
• State Minimum Liability
Clearcover
$146
Alfred, 59
Zip: 78582
KIA Sportage LX
• State Minimum Liability
• Comp / Collision
Mercury
$199
Calvin, 28
Zip: 78582
Chevrolet Silverado C1500 LT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

Best cheap car insurance quotes in Rio Grande City

The minimum auto insurance required in the state of Texas is
liability coverage
. Often, the bare minimum coverage has the cheapest price tag—but it can incur some extremely high costs down the road.

Cheap minimum liability insurance quotes in Rio Grande City

Drivers in Rio Grande City must carry the minimum coverage required by
Texas car insurance laws
, which follows the 30/60/25 rule:
The basic liability coverage pays for any damages you cause while driving (up to your coverage limits). 
card cover
Elijah (23 years old)
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carChevrolet Trailblazer LT
$187
per month
card cover
Calvin (28 years old)
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carChevrolet Silverado C1500 LT
$199
per month
card cover
Electric
Mike (59 years old)
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carKIA Sportage LX
$161
per month

Do you need more than minimum coverage in Rio Grande City?

It’s a smart move to carry more than the minimum 30/60/25 liability coverage in Rio Grande City, not to mention the rest of Texas.
The medical bills and vehicle repairs from an at-fault car accident in Texas could cost much more than $40,000 each, especially if there’s a severe injury. Given that
Texas car accident laws
give injured parties the right to file a personal injury lawsuit up to two years after the accident, you should plan to stretch your liability coverage over the long term. 
The bottom line: Consider 50/100/50 or 100/300/100 liability insurance (not to mention full coverage) for greater financial protection.

Cheapest full coverage car insurance quotes in Rio Grande City

Full-coverage car insurance
protects you from the financial impact of having to repair or replace your car. It includes the minimum liability insurance, plus two other coverage options:
  • Collision coverage
    pays to repair or replace your car after an impact with another vehicle or stationary object.
  • Comprehensive coverage
    pays for repairs or a replacement if your car is stolen, vandalized, or damaged by a natural disaster, like flooding or hail.
Full coverage insurance is normally optional, but your bank might require it if you lease or finance your vehicle. Jerry can help you meet your insurance needs at a great price by comparing quotes like the ones below.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$292
Maurice, 35
Zip: 78582
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
Safeco
$141
Patrick, 25
Zip: 78582
Chevrolet Trax 1LT
• State Minimum Liability
• Comp / Collision
Clearcover
$146
Alfred, 59
Zip: 78582
KIA Sportage LX
• State Minimum Liability
• Comp / Collision
Electric
$485
Ethan, 26
Zip: 78582
Chevrolet Silverado K2500 Heavy Duty LTZ
coverageLast Updated Jul 19, 2024
Comparing car insurance rates online is the easiest and fastest way to find the most budget-friendly option for your desired level of coverage. Jerry is a
licensed insurance broker
that lets you compare free quotes and access a team of expert insurance agents to help you answer any questions.

Average cost of car insurance in Rio Grande City

Jerry’s data after helping thousands of drivers indicates the average price of minimum liability coverage is $124 per month or $1,488 per year in Rio Grande City. If you want full coverage, you should budget an average of $243 per month or $2,916 per year.
The average insurance rates are useful for broadly estimating your costs, but your actual rates depend on many factors. You won’t know how much you’ll have to pay until you plug your driving history, claims history, and vehicle type into the formula.
Lower my car insurance too!

Car insurance quotes in Rio Grande City by rating factors 

There are many personal rating factors
contributing to your auto insurance premiums
, including:
  • Your credit score: Good credit drivers pay less for auto insurance than those with bad credit, even for the same coverage.
  • Your driving record and claims history: If you’ve had a few at-fault accidents or traffic violations in the past, you’ll have to pay more than a driver with a
    clean driving record
    .
  • Your demographics: Age, gender, and marital status all play a part in deciding your auto insurance rates.
  • Your mileage: The more you drive, the more you’ll pay for car insurance.
  • Your vehicle: Cars with more expensive parts (like luxury, high-performance, and sport models) cost more to repair and insure.

How do different factors impact your car insurance costs in Rio Grande City?

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 Rio Grande City:

Cheap car insurance quotes in Rio Grande City after driving violations

If insurance providers see numerous driving violations on your
Texas driving record
, they may label you a high-risk driver and charge you a steeper rate. These expense factors include:
  • At-fault car accidents 
  • Driving on a suspended license
  • DUI convictions
  • Speeding tickets

Cheapest car insurance in Rio Grande City after speeding ticket

A speeding ticket in Texas could increase your auto insurance rates by an average of 19%. Jerry can help you save on insurance coverage even if you’ve got a few tickets in your history.
Speeding TypeInsurance CompanyPremium (monthly)CustomerCarInsurance Coverage
Speeding 1-5
Travelers
$63
Kate, 33
Zip: 78582
KIA Seltos
• State Minimum Liability
Speeding 6-10
Nationwide
$67
Adele, 31
Zip: 78582
Mini Cooper
• 50,000/100,000 Liability
coverageLast Updated Jul 24, 2024

Cheapest car insurance in Rio Grande City after DUI

If you’re convicted of a DUI in Texas, you’ll see your insurance rates in Rio Grande City jump exponentially. Some providers may even refuse you coverage, but Jerry can help you find the ones that won’t.
card cover
Aaron (34 years old)
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
$56
per month
card cover
Irene (30 years old)
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
$67
per month

Cheapest car insurance in Rio Grande City after an at-fault accident

In Texas, any at-fault car accident could cost your insurance provider a lot of money. As a result, you’ll pay higher rates if you have one or more at-fault car accidents in your recent driving history.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$292
Jonathan, 35
Zip: 78582
Ford F150 Supercrew
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Clearcover
$146
Lewis, 59
Zip: 78582
KIA Sportage LX
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 19, 2024

Cheapest car insurance in Rio Grande City after other driving violations

Your premiums will spike if you get a speeding ticket, driver’s license suspension, or any other driving violation in Rio Grande City. Here are a few deals Jerry customers found after a variety of driving mistakes.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Improper Passing
Progressive
$244
Melvin, 59
Zip: 78582
KIA Sportage LX
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

Cheap car insurance quotes in Rio Grande City by age

New drivers with little driving experience pay the most for car insurance. You can look forward to your rates dropping when you turn 25, but it won’t last forever; car insurance rates go back up as soon as senior drivers turn 75.

Cheapest car insurance in Rio Grande City for young drivers

Considering drivers aged 16-19 pay the highest rates of any age group in Rio Grande City, it’s hard to find
cheap car insurance for teen drivers
To keep rates low, try adding young drivers to an older household member’s policy. You might also want to pick up full coverage to pay for any driving mistakes, and download Jerry to compare free quotes like the ones below.
card cover
Elijah (23 years old)
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carChevrolet Trailblazer LT
$187
per month

Cheapest car insurance in Rio Grande City for senior drivers

Because older drivers are more likely to be involved in car accidents (and suffer severe injuries), they often pay higher rates than middle-aged drivers. But Jerry can help you find deals on
the best car insurance for seniors
.
card cover
Gary (65 years old)
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carChevrolet Colorado LT
$164
per month

Cheap car insurance quotes in Rio Grande City based on insurance history

Similar to your driving record and claims history, your insurance history plays a significant role in your rates. How long you’ve been insured, whether you’re currently insured, and whether you’ve had any
car insurance lapses
all matter.
Any gaps can raise your rates, but Jerry can help you find savings regardless.
card cover
Theresa (35 years old)
Currently Insured
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carFord F150 Supercrew
$292
per month
card cover
Ray (31 years old)
Currently Insured
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carChevrolet Impala Police
$99
per month
card cover
Harry (28 years old)
Currently Insured
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carChevrolet Silverado C1500 LT
$199
per month
card cover
Clearcover
Lewis (59 years old)
Currently Insured
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carKIA Sportage LX
$146
per month
card cover
Maurice (35 years old)
Currently Insured
coverageCoverage
State Minimum
locationRio Grande City, TX
(Zip Code: 78582)
carFord F150 Supercrew
$292
per month

Cheap car insurance quotes in Rio Grande City for drivers with poor credit

While your
credit rating
doesn’t necessarily reflect your driving skills, insurers have noted a relationship between low credit scores and an increased number of insurance claims. If you have bad credit (below 550), you’ll pay more for coverage than a driver with good credit (over 750).
The table below shows the price difference between credit rating brackets and what drivers paid through Jerry.
Credit rangeInsurance companyPremium (monthly)CustomerCarInsurance coverage
> 750
Progressive
$187
Cornelia, 23
Zip: 78582
Chevrolet Trailblazer LT
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$163
Christina, 27
Zip: 78582
Ford Mustang
• State Minimum Liability
• Comp / Collision
660 - 750
Progressive
$163
Justin, 27
Zip: 78582
Ford Mustang
• State Minimum Liability
• Comp / Collision
550 - 659
Electric
$485
Verna, 26
Zip: 78582
Chevrolet Silverado K2500 Heavy Duty LTZ
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 21, 2024

How to lower car insurance costs in Rio Grande City

1. Shop around and compare quotes

Every insurance company has a different formula to calculate your premiums, and they’re constantly updating their methods. Experts recommend comparing quotes from at least three companies every six months to stay on top of the most cost-effective option.
Jerry simplifies this time-consuming process by automatically gathering and comparing quotes from leading providers. You can discover the best coverage at the best price for free.

2. Hunt for car insurance discounts

You can find
car insurance discounts
at every provider, but they don’t all have the same savings programs. You can speak with your current provider to find out if they offer these common discounts.
  • Auto and home insurance bundles
    : Bundling two or more insurance products—like roadside assistance or renters insurance—can get you savings for each one.
  • Good driver discounts: A clean driving record and a claims-free history can get you some nice savings.
  • Good student discounts: Full-time status in high school or college with a B average or better can help you save on car insurance.
  • Telematics discounts: Tracking your driving habits can yield some great savings if you take the time to drive safely.

3. Increase your deductible for comprehensive and collision coverage

Increasing your deductible can help you cut your monthly costs without sacrificing full coverage, but keep in mind it’s a last resort.

FAQ

How much is car insurance per month in Texas?

On average, minimum coverage car insurance is $85 per month in Texas, while full coverage is $198 per month. This adds up to an average cost of $1,020 to $2,376 per year.

Why is car insurance so high in Texas?

Car insurance is so high in Texas due to inflation and the risks of driving in the Lone Star state. As the price of vehicle parts and repairs goes up, so do insurance costs. Meanwhile, it’s also getting riskier to drive in Texas thanks to
bad driving habits motorists developed during the pandemic
and the
above-average rate of motor vehicle crash fatalities
.

How much is car insurance in Houston, Texas?

Car insurance in Houston, Texas, costs an average of $122 per month (or $1,464 per year) for minimum coverage and $264 per month (or $3,168 per year) for full coverage.

How much is car insurance in Texas for a 20-year-old?

Our research shows that Texas drivers aged 18-21 pay an average of $255 per month for state minimum coverage and $572 each month for full coverage. Drivers under the age of 25 pay the highest car insurance rates of any age group due to their inexperience and high chances of getting into a car accident.

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 a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
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.