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

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Lowest Premium

$393 / YEAR

Average Premium

$589 / YEAR

Highest Premium

$829 / YEAR

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

The average annual premium in Harlingen is around $589 and can go upto $829. 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 Harlingen by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Harlingen. 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
78550$592
78552$578

Insurance Agents in Harlingen, TX and Near by

  • 0 mi
    Juan Garza Insurance Agency
    1925 Loop 499 Ste A, Harlingen, TX 78550
    (956) 428-6300
  • 0 mi
    Edwardo Briones
    1046 N 77 Snshine Strp Ste 6, Harlingen, TX 78550
    (956) 423-6242
  • 0 mi
    Independent Insurance Center
    1117 N 77 Sunshine Strip, Harlingen, TX 78550
    (956) 423-3411
  • 0 mi
    Armando De La Fuente
    905 Morgan Blvd Ste A, Harlingen, TX 78550
    (956) 428-6414
  • 0 mi
    Voorhes Insurance Agency
    518 N 1st St, Harlingen, TX 78550
    (956) 428-7475
  • 0 mi
    Joe Jones
    622 N Ed Carey Dr, Harlingen, TX 78550
    (956) 423-8961
  • 0 mi
    Sheree Wood
    2323 N Ed Carey Dr Ste 1, Harlingen, TX 78550
    (956) 428-8856
  • 0 mi
    Safeguard Insurance Agency
    2307 N Ed Carey Dr, Harlingen, TX 78550
    (956) 428-1912
  • 0 mi
    Amtex Insurance
    1418 E Tyler Ave Ste 7b, Harlingen, TX 78550
    (956) 428-3200
  • 0 mi
    Texas Insurance Service Center
    521 S 77 Sunshine Strip, Harlingen, TX 78550
    (956) 423-0490
  • 0 mi
    Hector Dominguez
    1322 E Harrison Ave, Harlingen, TX 78550
    (956) 421-3980
  • 0 mi
    A-Max Insurance Services
    1421 E Polk St, Harlingen, TX 78550
    (956) 425-8000
  • 0 mi
    Shepard Walton King Insurance Group
    1906 E Tyler Ave Ste B, Harlingen, TX 78550
    (956) 423-8755
  • 0 mi
    Insurance Sales & Service
    1521 S H St, Harlingen, TX 78550
    (956) 421-5914
  • 0 mi
    Edward Anderson
    1837 W Tyler Ave Ste 1, Harlingen, TX 78550
    (956) 622-7258
  • 0 mi
    Texas Insurance Managers
    418 E Tyler Ave Ste B, Harlingen, TX 78550
    (956) 423-6986
  • 0 mi
    D & A Insurance Agency
    605 E Tyler Ave, Harlingen, TX 78550
    (956) 440-8736
  • 0 mi
    Tito Resendez
    922 E Harrison Ave, Harlingen, TX 78550
    (956) 423-8486
  • 0 mi
    Kent Jones
    1102 E Tyler Ave, Harlingen, TX 78550
    (956) 440-8890
  • 0 mi
    Connelly & Bartnesky Insurance Agency
    1209 E Harrison Ave Ste A, Harlingen, TX 78550
    (956) 425-8821
  • 0 mi
    Daniel Reza
    1221 S 77 Sunshine Strip, Harlingen, TX 78550
    (956) 425-3276
  • 0 mi
    Friendly Insurance Agency
    1205 S 77 Sunshine Strip, Harlingen, TX 78550
    (956) 428-2133
  • 6.7 mi
    United Insurance Group
    23226 N Stuart Place Rd, Harlingen, TX 78552
    (956) 230-1234
  • 6.7 mi
    Texas Phoenix Business Group
    101 S Stuart Place Rd Ste F, Harlingen, TX 78552
    (956) 622-3084
  • 6.7 mi
    Greer & Associates
    1271 N Stuart Place Rd, Harlingen, TX 78552
    (956) 425-7776
  • 6.7 mi
    Javier Juarez
    1415 N Stuart Place Rd Ste A, Harlingen, TX 78552
    (956) 425-0130
  • 6.7 mi
    Doug Thompson
    1117 N Stuart Place Rd Ste 104, Harlingen, TX 78552
    (956) 423-4230
  • 6.7 mi
    Daniel Martinez
    2709 W Expressway 83 Ste 155, Harlingen, TX 78552
    (956) 365-3044
  • 6.7 mi
    Wadkins & Associates Insurance Agency
    4102 S Expressway 83, Harlingen, TX 78552
    (956) 440-0060
  • 6.7 mi
    Christina Palomo
    2312 S Expressway 83 Suite D, Harlingen, TX 78552
    (956) 421-5995
View all agents ↓

Learn More About Car Insurance in Harlingen, 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.