Cheap Quotes for Pharr, TX Car Insurance (2021)

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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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • 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.

Minimum Required Car Insurance Coverage in Pharr, Texas

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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Pharr, Texas

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.

Annual Car Insurance Rates for Teen Drivers in Pharr, Texas

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.

Annual Car Insurance Rates for Senior Drivers in Pharr, Texas

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.

Annual Car Insurance Rates by Coverage Level in Pharr, Texas

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.

Annual Pharr, Texas Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates After a DUI in Pharr, Texas

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.

Annual Car Insurance Rates by Credit Score in Pharr, Texas

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.

Annual Car Insurance Rates by Commute Length in Pharr, Texas

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.

Best Annual Car Insurance Rates by Company in Pharr, Texas

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.

Average Annual Car Insurance Rates by Company in Pharr, Texas

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

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