Cheap Quotes for Pharr, TX Car Insurance (2024)
Pharr, Texas car insurance rates average $378 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Pharr, TX companies, you can find cheap Pharr car insurance quotes to fit your needs and budget.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right cheap car insurance coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average car insurance rates in Pharr, TX for senior drivers are $2,801/year
- Average car insurance rates in Pharr, TX after a DUI are $5,187/year
- The cheapest car insurance company in Pharr is USAA
How do the Pharr, Texas monthly average car insurance rates of $378/month compare to nearby cities like Fort Worth car insurance rates, Houston car insurance rates, and Dallas car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Pharr, TX.
We’ll cover the Texas minimum coverage requirements, Texas car insurance laws, and Pharr, TX statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Pharr, Texas companies to find the most affordable Pharr car insurance rates.
Enter your ZIP code above to find cheap Pharr, TX car insurance quotes today.
What are the minimum Pharr, TX car insurance requirements?
To meet Texas minimum car insurance coverage requirements, Pharr, TX drivers need to carry at least 30/60/25 coverage.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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How do age, gender, and marital status affect Pharr, TX car insurance rates?
Three of the criteria that most affect car insurance rates in Pharr, Texas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Pharr car insurance companies.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,975 | $4,027 | $3,927 | $3,927 | $10,167 | $12,332 | $4,923 | $5,156 |
| American Family | $3,104 | $3,461 | $2,859 | $3,286 | $8,053 | $10,463 | $4,438 | $5,032 |
| Geico | $2,732 | $2,983 | $2,724 | $3,184 | $5,823 | $5,890 | $2,923 | $2,805 |
| Nationwide | $3,651 | $3,726 | $3,211 | $3,422 | $10,109 | $13,104 | $4,268 | $4,645 |
| Progressive | $2,971 | $2,836 | $2,598 | $2,673 | $11,352 | $12,625 | $3,498 | $3,528 |
| State Farm | $2,148 | $2,148 | $1,908 | $1,908 | $5,086 | $6,460 | $2,332 | $2,391 |
| USAA | $1,863 | $1,889 | $1,787 | $1,797 | $5,071 | $5,546 | $2,495 | $2,698 |
How much do teen drivers pay for car insurance in Pharr, TX?
Pharr, Texas car insurance rates for teens are often higher than rates for other drivers. Compare Pharr car insurance rates from multiple Pharr, Texas car insurance companies to get the best deal.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,167 | $12,332 |
| American Family | $8,053 | $10,463 |
| Geico | $5,823 | $5,890 |
| Nationwide | $10,109 | $13,104 |
| Progressive | $11,352 | $12,625 |
| State Farm | $5,086 | $6,460 |
| USAA | $5,071 | $5,546 |
How much do senior drivers pay for car insurance in Pharr, TX?
With a little research, seniors can find affordable car insurance in Pharr, Texas. Here’s a look at how the top Pharr car insurance companies stack up.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,927 | $3,927 |
| American Family | $2,859 | $3,286 |
| Geico | $2,724 | $3,184 |
| Nationwide | $3,211 | $3,422 |
| Progressive | $2,598 | $2,673 |
| State Farm | $1,908 | $1,908 |
| USAA | $1,787 | $1,797 |
How does coverage level affect Pharr, TX car insurance rates?
How much coverage do you need? Are you comfortable with the Texas minimum of 30/60/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Pharr, TX car insurance rates will be. Let’s take a look.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,928 | $6,007 | $6,229 |
| American Family | $4,666 | $4,851 | $5,743 |
| Geico | $3,300 | $3,524 | $4,075 |
| Nationwide | $6,114 | $5,504 | $5,683 |
| Progressive | $4,915 | $5,225 | $5,641 |
| State Farm | $2,844 | $3,023 | $3,276 |
| USAA | $2,768 | $2,875 | $3,036 |
How does your driving record affect Pharr, TX car insurance rates?
Safe driving pays off. The more traffic violations you have in Pharr, TX, the higher your car insurance rates will be. Compare rates based on driving infractions from top Pharr, Texas companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,766 | $7,210 | $7,476 | $4,766 |
| American Family | $4,646 | $5,884 | $5,171 | $4,646 |
| Geico | $3,079 | $4,052 | $3,393 | $4,007 |
| Nationwide | $4,974 | $4,974 | $7,472 | $5,648 |
| Progressive | $4,587 | $5,868 | $5,393 | $5,193 |
| State Farm | $2,710 | $3,104 | $3,666 | $2,710 |
| USAA | $2,160 | $3,192 | $3,737 | $2,482 |
How does a DUI affect Pharr, TX car insurance rates?
With even one DUI on your record, you can see an increase in your Pharr, TX car insurance rates.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,476 |
| American Family | $5,171 |
| Geico | $3,393 |
| Nationwide | $7,472 |
| Progressive | $5,393 |
| State Farm | $3,666 |
| USAA | $3,737 |
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How does your credit history affect Pharr, TX car insurance rates?
Take a look at the data here to see how your Pharr, Texas car insurance rates are affected by your credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,718 | $5,632 | $4,813 |
| American Family | $6,964 | $4,439 | $3,857 |
| Geico | $5,620 | $3,171 | $2,107 |
| Nationwide | $6,973 | $5,529 | $4,799 |
| Progressive | $6,010 | $5,091 | $4,679 |
| State Farm | $4,319 | $2,685 | $2,138 |
| USAA | $4,230 | $2,461 | $1,987 |
How does your commute affect Pharr, TX car insurance rates?
Pharr, TX car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Texas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Pharr if you’re financing.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,910 | $6,199 |
| American Family | $5,087 | $5,087 |
| Geico | $3,555 | $3,711 |
| Nationwide | $5,767 | $5,767 |
| Progressive | $5,260 | $5,260 |
| State Farm | $3,048 | $3,048 |
| USAA | $2,855 | $2,931 |
Who has the cheapest Pharr, TX car insurance rates?
Here’s a breakdown of Pharr, Texas car insurance rates by company. You can see which company offers the cheapest Pharr car insurance rates in each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
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What are the top Pharr, TX car insurance companies?
Which Pharr, Texas car insurance company will best fit your needs and budget? Check out this comparison of the top Pharr companies to find the one for you.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,054 |
| American Family | $5,087 |
| Geico | $3,633 |
| Nationwide | $5,767 |
| Progressive | $5,260 |
| State Farm | $3,048 |
| USAA | $2,893 |
What factors affect Pharr, TX car insurance rates?
Why are Pharr, Texas car insurance rates different than rates in Fort Worth or Houston? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.
What is the car theft rate in Pharr, TX?
FBI statistics show that the Pharr, Texas car theft rate is 61 thefts each year. High theft rates can lead to higher than average Pharr, TX car insurance rates.
How long is the average commute in Pharr, TX?
More time spent behind the wheel can lead to higher Pharr, Texas car insurance rates. In Pharr, TX, the average commute length is 21.8 minutes.
Car Insurance Quotes for Pharr, TX
Shop for affordable Pharr, Texas car insurance rates today. Enter your ZIP code to compare quotes from multiple Pharr, TX car insurance companies.
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.