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Home » Car insurance » Texas » Cheap Car Insurance Harlingen

Cheap Car Insurance in Harlingen

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

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

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

Insurance Agents in Harlingen, TX and Near by

Agents by ZIP code:
  • 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, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.



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.