Cheap Car Insurance in Edinburg, Texas ( With 2024 Rates)

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Lowest Premium

$433 / YEAR

Average Premium

$638 / YEAR

Highest Premium

$909 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Edinburg is around $638 and can go upto $909. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

$30,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
Damage to property or injury to others in one accident is $25,000.

Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$350	6.00% ($1,151,485,019)	1
Farmers	$385	7.98% ($1,530,613,603)	2
State Farm	$390	16.03% ($3,074,590,659)	119
Allstate	$495	7.38% ($1,416,050,038)	4
Liberty Mutual	$550	4.36% ($836,938,040)	64
Progressive	$660	8.75% ($1,678,264,745)	0

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Car Insurance Rates in Edinburg by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Edinburg. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Zip	Avg. Premium
78539	$638
78541	$634
78542	$640

Insurance Agents in Edinburg, TX and Near by

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Delma Ramirez

1703 W Owassa Rd Ste 7, Edinburg, TX 78539

(956) 502-5496

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Access Insurance Agency

5115 S Business 281 Ste B, Edinburg, TX 78539

(956) 702-9002

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All American Insurance Agency

1113 E University Dr, Edinburg, TX 78539

(956) 316-2426

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Maria Angulo

4701 S Business Highway 281, Edinburg, TX 78539

(956) 287-4892

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Valley Insurance Services

508 S 12th Ave, Edinburg, TX 78539

(956) 383-1696

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Arguello Insurance Group

301 North Main Street, Edinburg, TX 78539

(956) 205-1898

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Sergio Rodriguez

5121 S Jackson Rd, Edinburg, TX 78539

(956) 687-5566

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Daniel Martinez

5313 S Mccoll Rd, Edinburg, TX 78539

(956) 631-2522

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Brown & Brown Lone Star Insurance Services

135 Paseo Del Prado Ave Ste 31, Edinburg, TX 78539

(956) 971-8161

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Robert R Elizalde

5107 S Mccoll Rd, Edinburg, TX 78539

(956) 683-9800

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Arguello Intergra Insurance Services

2115 W Trenton Rd, Edinburg, TX 78539

(210) 764-4545

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Edinburg Insurance Agency

1903 S Closner Blvd Ste 1, Edinburg, TX 78539

(956) 383-0151

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Sam Saldivar

2108 S Us Highway 281, Edinburg, TX 78539

(956) 383-4312

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Juan Cazares

1408 S Closner Blvd, Edinburg, TX 78539

(956) 381-0928

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Marburger-Holt Insurance Agency & Donna Insurance

1305 S Closner Blvd, Edinburg, TX 78539

(956) 383-0117

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Janette Gonzalez

1108 S Closner Blvd, Edinburg, TX 78539

(956) 318-1140

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Jesse Gonzalez

917 S Closner Blvd, Edinburg, TX 78539

(956) 380-0391

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B & B Insurance Agency

812 S Closner Blvd, Edinburg, TX 78539

(956) 287-2700

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Campos Insurance Agency

523 S Closner Blvd, Edinburg, TX 78539

(956) 384-2345

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A-Max Insurance Services

511 S Closner Blvd, Edinburg, TX 78539

(956) 383-8000

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Roy Tijerina

1310 W University Dr, Edinburg, TX 78539

(956) 316-1040

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Joanne McTaggart

1408 W University Dr, Edinburg, TX 78539

(956) 270-4988

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Raul Resendez

200 S Sugar Rd, Edinburg, TX 78539

(956) 383-2886

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Direct General Auto Insurance

1712 W University Dr, Edinburg, TX 78539

(956) 380-2399

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Xavier Pena

2518 W Freddy Gonzalez Dr, Edinburg, TX 78539

(855) 387-0107

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Rick Villarreal

2116 W University Dr, Edinburg, TX 78539

(956) 383-7001

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Eddie Villarreal

2167 S Mccoll Rd, Edinburg, TX 78539

(956) 381-0951

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Secure Insurance Agency

920 S Mccoll Rd Ste A, Edinburg, TX 78539

(956) 383-5847

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Safeguard Insurance Agency

2701 W University Dr Ste B, Edinburg, TX 78539

(956) 383-1911

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13.24 mi

Elizabeth Mejia

3294 N Closner Blvd, Edinburg, TX 78541

(956) 381-4000

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13.24 mi

Ruby Casas

702 N Closner Blvd, Edinburg, TX 78541

(956) 383-8141

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13.24 mi

Kristina Balderas

108 N Jackson Rd Ste 34, Edinburg, TX 78541

(956) 343-2206

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13.42 mi

Maria Orta

14120 E Monte Cristo Rd, Edinburg, TX 78542

(956) 380-1950

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13.42 mi

Cesar Tamez

2117 E University Dr, Edinburg, TX 78542

(956) 383-3276

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13.42 mi

Rene Trevino

2326 E Freddy Gonzalez Dr, Edinburg, TX 78542

(956) 205-0338

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View all agents ↓

Learn More About Car Insurance in Edinburg, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered	24,527,939
Total uninsured motorists	14.1%
Estimated economic loss of all vehicle crashes	$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
Collision covers for the expenses on your car caused by accident.
Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
Medical payments cover your's and your passenger's medical bills
Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
Towing and labor covers for the pay for towing your car and labor cost.
Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

Cheap Car Insurance in Edinburg, Texas (With 2024 Rates)