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Cheapest car insurance in Rio Grande City, Texas (Nov 2024)
Cheapest car insurance in Rio Grande City, Texas (Nov 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.
Find Insurance Savings
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Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- Best car insurance companies in Rio Grande City
- How to find the cheapest car insurance quotes in Rio Grande City
- Best cheap car insurance quotes in Rio Grande City
- Average cost of car insurance in Rio Grande City
- Car insurance quotes in Rio Grande City by rating factors
- How do different factors impact your car insurance costs in Rio Grande City?
- Cheap car insurance quotes in Rio Grande City after driving violations
- Cheap car insurance quotes in Rio Grande City by age
- Cheap car insurance quotes in Rio Grande City based on insurance history
- Cheap car insurance quotes in Rio Grande City for drivers with poor credit
- Cheap car insurance quotes in Rio Grande City for popular cars
- How to lower car insurance costs in Rio Grande City
- FAQ
- Methodology
- Meet our experts
Load full table of contents
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 |
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.
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 company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $103 | Fannie, 30 Zip: 78582 | Nissan Kicks S | • State Minimum Liability |
| Safeco | $99 | Nathaniel, 32 Zip: 78582 | Chevrolet Impala Police | • State Minimum Liability |
Clearcover | $146 | Sarah, 60 Zip: 78582 | KIA Sportage LX | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Best 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:- $60,000 of bodily injury liability coverage per accident
The basic liability coverage pays for any damages you cause while driving (up to your coverage limits).
Fannie (30 years old)
$103
per month
Clearcover
Sarah (60 years old)
$146
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 coveragepays to repair or replace your car after an impact with another vehicle or stationary object.
- Comprehensive coveragepays 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 coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $292 | Mathilda, 35 Zip: 78582 | Ford F150 Supercrew |
• State Minimum Liability • Comp / Collision | Safeco | $141 | Sallie, 26 Zip: 78582 | Chevrolet Trax 1LT |
• State Minimum Liability • Comp / Collision | Mercury | $163 | Randall, 30 Zip: 78582 | Nissan Kicks S |
• State Minimum Liability • Comp / Collision | Clearcover | $146 | Sarah, 60 Zip: 78582 | KIA Sportage LX |
Last Updated Nov 17, 2024Comparing 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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Rio Grande City by rating factors
- 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 aclean 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?
How do different factors impact your car insurance costs in Rio Grande City?
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 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.
Last Updated Nov 21, 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.
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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $292 | Carl, 35 Zip: 78582 | Ford F150 Supercrew | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Clearcover | $146 | Cameron, 59 Zip: 78582 | KIA Sportage LX | • State Minimum Liability • Comp / Collision |
Last Updated Nov 17, 2024Cheapest 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.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Improper Passing | Progressive | $244 | Tommy, 59 Zip: 78582 | KIA Sportage LX | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap 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.
Allie (23 years old)
$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
.Winnie (66 years old)
$164
per month
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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.
Pauline (35 years old)
$292
per month
Clearcover
Cameron (59 years old)
$146
per month
Nicholas (35 years old)
$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 range | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $187 | Ethan, 23 Zip: 78582 | Chevrolet Trailblazer LT | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $163 | Harvey, 27 Zip: 78582 | Ford Mustang | • State Minimum Liability • Comp / Collision |
660 - 750 | Progressive | $163 | Jennie, 27 Zip: 78582 | Ford Mustang | • State Minimum Liability • Comp / Collision |
550 - 659 | Electric | $485 | Edwin, 26 Zip: 78582 | Chevrolet Silverado K2500 Heavy Duty LTZ | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Rio Grande City for popular cars
Your insurance rates in Rio Grande City are partly determined by the make and model of your vehicle. It tells insurers how much it’ll cost to repair, how likely it is to be stolen, and how vulnerable it is to thieves.
Drivers in Rio Grande City prefer these models:
Last Updated Nov 21, 2024How 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
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.
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.
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.