Cheap Car Insurance in Edinburg, Texas (With 2021 Rates)

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Home » Car insurance » Texas » Cheap Car Insurance Edinburg

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.
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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.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($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.

ZipAvg. Premium
78539$638
78541$634
78542$640

Insurance Agents in Edinburg, TX and Near by

  • 0 mi
    Delma Ramirez
    1703 W Owassa Rd Ste 7, Edinburg, TX 78539
    (956) 502-5496
  • 0 mi
    Access Insurance Agency
    5115 S Business 281 Ste B, Edinburg, TX 78539
    (956) 702-9002
  • 0 mi
    All American Insurance Agency
    1113 E University Dr, Edinburg, TX 78539
    (956) 316-2426
  • 0 mi
    Maria Angulo
    4701 S Business Highway 281, Edinburg, TX 78539
    (956) 287-4892
  • 0 mi
    Valley Insurance Services
    508 S 12th Ave, Edinburg, TX 78539
    (956) 383-1696
  • 0 mi
    Arguello Insurance Group
    301 North Main Street, Edinburg, TX 78539
    (956) 205-1898
  • 0 mi
    Sergio Rodriguez
    5121 S Jackson Rd, Edinburg, TX 78539
    (956) 687-5566
  • 0 mi
    Daniel Martinez
    5313 S Mccoll Rd, Edinburg, TX 78539
    (956) 631-2522
  • 0 mi
    Brown & Brown Lone Star Insurance Services
    135 Paseo Del Prado Ave Ste 31, Edinburg, TX 78539
    (956) 971-8161
  • 0 mi
    Robert R Elizalde
    5107 S Mccoll Rd, Edinburg, TX 78539
    (956) 683-9800
  • 0 mi
    Arguello Intergra Insurance Services
    2115 W Trenton Rd, Edinburg, TX 78539
    (210) 764-4545
  • 0 mi
    Edinburg Insurance Agency
    1903 S Closner Blvd Ste 1, Edinburg, TX 78539
    (956) 383-0151
  • 0 mi
    Sam Saldivar
    2108 S Us Highway 281, Edinburg, TX 78539
    (956) 383-4312
  • 0 mi
    Juan Cazares
    1408 S Closner Blvd, Edinburg, TX 78539
    (956) 381-0928
  • 0 mi
    Marburger-Holt Insurance Agency & Donna Insurance
    1305 S Closner Blvd, Edinburg, TX 78539
    (956) 383-0117
  • 0 mi
    Janette Gonzalez
    1108 S Closner Blvd, Edinburg, TX 78539
    (956) 318-1140
  • 0 mi
    Jesse Gonzalez
    917 S Closner Blvd, Edinburg, TX 78539
    (956) 380-0391
  • 0 mi
    B & B Insurance Agency
    812 S Closner Blvd, Edinburg, TX 78539
    (956) 287-2700
  • 0 mi
    Campos Insurance Agency
    523 S Closner Blvd, Edinburg, TX 78539
    (956) 384-2345
  • 0 mi
    A-Max Insurance Services
    511 S Closner Blvd, Edinburg, TX 78539
    (956) 383-8000
  • 0 mi
    Roy Tijerina
    1310 W University Dr, Edinburg, TX 78539
    (956) 316-1040
  • 0 mi
    Joanne McTaggart
    1408 W University Dr, Edinburg, TX 78539
    (956) 270-4988
  • 0 mi
    Raul Resendez
    200 S Sugar Rd, Edinburg, TX 78539
    (956) 383-2886
  • 0 mi
    Direct General Auto Insurance
    1712 W University Dr, Edinburg, TX 78539
    (956) 380-2399
  • 0 mi
    Xavier Pena
    2518 W Freddy Gonzalez Dr, Edinburg, TX 78539
    (855) 387-0107
  • 0 mi
    Rick Villarreal
    2116 W University Dr, Edinburg, TX 78539
    (956) 383-7001
  • 0 mi
    Eddie Villarreal
    2167 S Mccoll Rd, Edinburg, TX 78539
    (956) 381-0951
  • 0 mi
    Secure Insurance Agency
    920 S Mccoll Rd Ste A, Edinburg, TX 78539
    (956) 383-5847
  • 0 mi
    Safeguard Insurance Agency
    2701 W University Dr Ste B, Edinburg, TX 78539
    (956) 383-1911
  • 13.24 mi
    Elizabeth Mejia
    3294 N Closner Blvd, Edinburg, TX 78541
    (956) 381-4000
  • 13.24 mi
    Ruby Casas
    702 N Closner Blvd, Edinburg, TX 78541
    (956) 383-8141
  • 13.24 mi
    Kristina Balderas
    108 N Jackson Rd Ste 34, Edinburg, TX 78541
    (956) 343-2206
  • 13.42 mi
    Maria Orta
    14120 E Monte Cristo Rd, Edinburg, TX 78542
    (956) 380-1950
  • 13.42 mi
    Cesar Tamez
    2117 E University Dr, Edinburg, TX 78542
    (956) 383-3276
  • 13.42 mi
    Rene Trevino
    2326 E Freddy Gonzalez Dr, Edinburg, TX 78542
    (956) 205-0338
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 registered24,527,939
Total uninsured motorists14.1%
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.