Cheapest Car Insurance Quotes In Pharr, TX For 2024

In Pharr, Texas Farm Bureau offers the most affordable choice, with an average monthly rate of $26.

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Updated: 29 March 2024
Written by
Bob Phillips
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When looking for budget-friendly car insurance in Pharr, Texas, there are several options to consider. However, Texas Farm Bureau stands out for its competitive pricing. On average, Pharr residents can obtain car insurance for approximately $26 per month, a significant difference from the state’s average of $125.

For those interested in the most affordable liability-only coverage, Texas Farm Bureau is the top choice. On the other hand, individuals seeking comprehensive protection will also find Texas Farm Bureau to offer the best rates for full coverage policies, priced at $58 monthly. It’s worth noting that State Farm provides the most economical rates for young drivers, coming in at $104 per month.

Cheapest Car Insurance Companies In Pharr, TX

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Cheapest Minimum Coverage - Texas Farm Bureau
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Cheapest For Full Coverage - Texas Farm Bureau
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Cheapest For Seniors - Texas Farm Bureau
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Cheapest For Teenagers - Nationwide
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Cheapest For Good Drivers - Texas Farm Bureau
Cheapest Car Insurance, Pharr, TX

Our Methodology

Utilizing a comprehensive analysis covering diverse aspects like customer service ratings, product offerings, pricing, and a meticulous assessment of numerous online review platforms and user feedback, I've developed a detailed understanding of the car insurance provider landscape in Pharr, Texas. This perspective is informed by over 15 years of active engagement in the industry as a licensed insurance agent. It incorporates numerous interactions with representatives from different companies and insights derived from firsthand experiences.

65

Quotes Analyzed

15+

Years Of Industry Experience

22

Brands Reviewed

35+

Research Hours

How Much Is Car Insurance In Pharr, TX?

In Pharr, Texas, Texas Farm Bureau provides the most affordable car insurance option, with coverage available for $145 per month.

Comparing their rates to the average rates in both Texas and the entire United States, prices are significantly lower, as illustrated in the table below:

Area Average Monthly Rate
National $152
Texas $125
Pharr, TX $145

It’s important to note that the national average cost encompasses a wide range of states, including both high-cost ones like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates for car insurance can differ based on various factors, including vehicle type, coverage amount, zip code, driving history, among others. Therefore, individual rates may vary depending on your specific location and circumstances.

Cheapest Car Insurance Rates In Pharr For Full Coverage

In Pharr, Texas, Texas Farm Bureau offers the most budget-friendly rates for full coverage car insurance. On average, their quotes come in at $58 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $58 $694
GEICO $95 $1,141
Mercury $80 $958
Allstate $75 $896
State Farm $57 $682

Full coverage car insurance provides extensive protection that exceeds the basic requirements mandated by law. It usually combines comprehensive and collision coverages.

Comprehensive coverage shields against non-collision events such as theft, vandalism, or natural disasters. Meanwhile, collision coverage offers financial security for vehicle damages resulting from accidents, regardless of fault.

Cheapest Car Insurance Rates In Pharr For Seniors

In Pharr, Texas, Texas Farm Bureau offers the most affordable car insurance rates for seniors, with average quotes amounting to $49 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $49 $586
GEICO $92 $1,095
Progressive $93 $1,107
Mercury $101 $1,213
Chubb $104 $1,249

In Texas, numerous seniors may discover favorable car insurance rates, influenced by various advantageous factors. While age often plays a role in determining insurance rates, with older individuals sometimes presumed to have reduced driving abilities, this stereotype doesn’t apply universally.

Cheapest Car Insurance Rates In Pharr For Minimum Coverage

In Pharr, Texas, Texas Farm Bureau offers the most economical car insurance for minimum coverage, with an average monthly cost of $26.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $26 $310
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Nationwide $49 $581

A minimum car insurance policy should include at least the following coverage types:

  • $30,000 for bodily injury per person
  • $60,000 for bodily injury per accident
  • $25,000 for property damage per accident

Maintaining minimum car insurance offers some level of protection while driving, but it lacks collision or comprehensive coverage. This means damages to your own vehicle in accidents or incidents such as theft and natural disasters aren’t covered.

In Texas, driving without insurance is illegal. Failing to provide proof of insurance during a traffic stop can lead to penalties ranging from fines to license suspension or more severe consequences.

Cheapest Car Insurance Rates In Pharr For Teenagers

Teenage drivers in Pharr can secure the most affordable car insurance quotes from Nationwide, with average monthly premiums totaling $198.

Provider Average Monthly Cost Average Annual Cost
State Farm $201 $2,410
GEICO $319 $3,832
Nationwide $198 $2,374
Foremost $354 $4,112
Progressive $380 $4,591

Teenage drivers typically encounter the highest car insurance premiums, primarily because of their lack of experience on the road. Insurance providers view these young drivers as high-risk individuals because they statistically have a higher likelihood of being involved in accidents and committing traffic violations.

Cheapest Car Insurance Rates In Pharr For Young Adults

State Farm provides the most budget-friendly quotes for young adults in Pharr, with rates averaging around $104 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $104 $1,246
GEICO $242 $2,917
Allstate $257 $3,020
Progressive $264 $3,119
Foremost $278 $3,214

In Texas, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of driving habits and a decrease in risk-taking behaviors as drivers mature.

Statistically, young adults are less likely to file insurance claims, indicating a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.

Cheapest Car Insurance Rates In Pharr For Good Drivers

Drivers with good records in Pharr can obtain the most affordable car insurance quotes from Texas Farm Bureau, typically priced at around $26 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $26 $310
Progressive $42 $500
Mercury $43 $514
State Farm $48 $574
Nationwide $49 $581

In Pharr, drivers with clean driving records typically receive lower car insurance rates because they’re seen as lower risk. Insurance companies use driving records to assess how safely a person drives. Fewer incidents, such as accidents or traffic violations, indicate that the driver is cautious and less likely to file a claim.

Insurers set their rates based on the probability of a driver making a claim. A pristine driving record can result in substantial savings on premiums. It all boils down to risk assessment – the cleaner the record, the lower the perceived risk, and therefore, the lower the insurance cost.

Cheapest Car Insurance Rates In Pharr For Drivers With Prior Incidents

In Pharr, drivers with a history of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These driving infractions lead insurance companies to classify them as high-risk drivers, implying a greater likelihood of filing future insurance claims.

As a result, insurance providers raise their rates for these individuals to offset the risk of potential higher claim payouts.

Cheapest Car Insurance Rates In Pharr For Drivers With A Speeding Ticket

Texas Farm Bureau stands out for its affordability compared to other companies, offering average rates of $55 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $55 $673
Travelers $241 $2,842
Geico $100 $1,198
Allstate $73 $874
Progressive $147 $1,762

Cheapest Car Insurance Rates In Pharr For Drivers With An At-Fault Accident

For drivers with an at-fault incident on their record, Texas Farm Bureau provides the most economical car insurance quotes, averaging around $90 per month.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $90 $1,078
Dairyland $259 $3,218
Foremost $265 $3,242
Progressive $190 $2,278
Allstate $110 $1,318

Cheapest Car Insurance Rates In Pharr For Drivers After A DUI

After a DUI, Texas Farm Bureau offers the most budget-friendly rates for drivers in Pharr, with average monthly premiums of $105.

Provider Average Monthly Cost Average Annual Cost
Texas Farm Bureau $105 $1,258
Chubb $269 $3,286
Progressive $137 $1,642
Geico $155 $1,858
Allstate $115 $1,378

Best Car Insurance Companies In Pharr

When selecting a car insurance company in Pharr, it’s crucial to find a balance between affordable rates and dependable coverage. Below are the top 10 car insurance companies in Pharr, TX, ranked by the average monthly rate they offer:

Company Monthly Premium
Nationwide $170
GAINSCO $90
Texas Farm Bureau $93
Direct Auto $101
State Farm $101
Kemper $146
Mercury $152
Clearcover $74
SafeAuto $112
USAA $120

Average Car Insurance Rates By Age In Pharr

Age Average Yearly Rate
Teenagers $3,992
20s $2,100
30s $1,392
40s $1,356
50s $1,284
60s $1,188
70s $1,404

Age significantly influences car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. As drivers reach 25 years old, their rates typically begin to decline, assuming a clean driving record.

The most favorable insurance rates are often available for drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk potential, thus adjusting premium costs accordingly.

Average Car Insurance Rates By Vehicle Type In Pharr

Vehicle Average Monthly Rate
Honda Civic $82
Chevrolet Trax $94
Chevrolet Silverado $75
Toyota Sienna $74
Honda Cr-V $360

The type of vehicle you drive significantly affects your car insurance costs. Insurance companies consider factors such as the make, model, year, and body type of the car. Typically, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.

Conversely, older cars or those less expensive to repair or replace may attract lower premiums. Insurers take these aspects into account because they directly impact the potential cost of claims – for instance, repairs for a high-end car are generally more costly than for a standard vehicle. Additionally, certain car models known for safety may qualify for lower insurance rates due to a reduced risk of accidents and injuries.

How Much Is Car Insurance For Other Cities In Texas?

City Average Monthly Rate
Midland $118
Sherman $108
Beaumont $127
Arlington $130
Alpine $118
El Paso $122
Fort Worth $123
Baytown $140
Irving $135
Lubbock $116

The city where you reside significantly impacts your car insurance rates. Insurance companies consider various factors related to your location, such as the likelihood of accidents, vehicle theft, and vandalism rates, which tend to be higher in urban areas. This increased risk often leads to higher premiums.

FAQs

Who has the lowest car insurance rates in Pharr?

Texas Farm Bureau provides the lowest car insurance rates in Pharr for both the minimum coverage required by the State of Texas and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Pharr?

The average cost of car insurance in Pharr is approximately $145 per month. However, rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other individual factors.

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