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Home » Car insurance » Texas » Cheap Car Insurance Pharr

Cheap Car Insurance in Pharr

Lowest Premium

$433 / YEAR

Average Premium

$639 / YEAR

Highest Premium

$939 / YEAR

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

The average annual premium in Pharr is around $639 and can go upto $939. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas car insurance law minimum requirement - 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.
Topics Covered

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$3466.00% ($1,151,485,019)1
Farmers$3837.98% ($1,530,613,603)2
State Farm$48916.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6678.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quotes and compare them before choosing an insurance plan. People save up to 40% on car insurance by doing the comparison shopping.

Car Insurance Rates in Pharr by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Pharr. 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
78577$639
78589$628

Insurance Agents in Pharr, TX and Near by

Agents by ZIP code:
  • 0 mi
    A & J Insurance Group
    300 E Interstate 2 Ste B, Pharr, TX 78577
    (956) 738-4841
  • 0 mi
    Daniela Zuniga
    514 S Veterans Blvd Ste A, Pharr, TX 78577
    (956) 961-4048
  • 0 mi
    Lujan Insurance Agency
    100 E Fm 495, Pharr, TX 78577
    (956) 783-1165
  • 0 mi
    Melendez Business Enterprises
    225 S Cage Blvd, Pharr, TX 78577
    (956) 783-0060
  • 0 mi
    B&B Insurance Agency
    300 E Expressway 83 Ste J, Pharr, TX 78577
    (956) 782-8686
  • 0 mi
    V-Ramp Insurance Agency
    600 E Ferguson St Ste B, Pharr, TX 78577
    (956) 283-7767
  • 0 mi
    Victor Reyna
    907 S Cage Blvd, Pharr, TX 78577
    (956) 702-7020
  • 0 mi
    A-Max Insurance Services
    1501 S Cage Blvd, Pharr, TX 78577
    (956) 783-3000
  • 0 mi
    Dora Sanchez
    1530 N Cage Blvd, Pharr, TX 78577
    (956) 961-4438
  • 0 mi
    Texas Farm Bureau Insurance
    507 E Interstate 2, Pharr, TX 78577
    (956) 787-8844
  • 0 mi
    Elizabeth Gutierrez
    2108 N Cage Blvd, Pharr, TX 78577
    (956) 781-4303
  • 0 mi
    RG Insurance Agency
    208 W Ferguson St Ste 4 Ste 7, Pharr, TX 78577
    (956) 702-2705
  • 0 mi
    Rolando Martinez
    1115 W Us Highway 83, Pharr, TX 78577
    (956) 781-2104
  • 0 mi
    GSM Insurors
    616 W Ferguson St, Pharr, TX 78577
    (956) 787-8539
  • 0 mi
    Roel Villanueva
    702 W Expressway 83 Ste A, Pharr, TX 78577
    (956) 702-4200
  • 0 mi
    Clark Insurance Plus
    900 N Sugar Rd, Pharr, TX 78577
    (956) 283-5815
  • 0 mi
    Safeguard Insurance Agency
    3003 S Cage Blvd, Pharr, TX 78577
    (956) 787-4600
  • 0 mi
    Gabriela Almaraz
    2205 N Sugar Rd, Pharr, TX 78577
    (956) 961-4301
  • 0 mi
    Daniel Trevino
    1401 W Polk Ave Ste A, Pharr, TX 78577
    (956) 781-7111
  • 0 mi
    Bobby Palacios
    411 N Jackson Rd Suite A-6, Pharr, TX 78577
    (956) 686-7400
  • 0 mi
    Isaac Ornelas
    1201 S Jackson Rd Ste 3, Pharr, TX 78577
    (956) 205-0501
  • 0 mi
    Mancha Insurance Agency
    2114a N Cage Blvd, Pharr, TX 78577
    (956) 781-6581
  • 0 mi
    Joe Campos Insurance Agency
    928 W Nolana Loop, Pharr, TX 78577
    (956) 787-8619
  • 0 mi
    Santos Hernandez Jr
    940 W Nolana Loop Ste F, Pharr, TX 78577
    (956) 781-0418
  • 0 mi
    Bernardo Ramirez
    111 W Business Hwy 83, Pharr, TX 78577
    (956) 783-5000
  • 0 mi
    Javier Lujan
    100 E Fm 495 Ste A, Pharr, TX 78577
    (956) 787-1165
  • 0 mi
    Armando Trevino
    7705 S Cage Blvd Unit A, Pharr, TX 78577
    (956) 867-2881
  • 0 mi
    James E. Capt & Associates
    1336 Med Capt Drive, Pharr, TX 78577
    (956) 787-4989
  • 2.55 mi
    Valley Insurance Providers
    400 W Expressway 83, San Juan, TX 78589
    (956) 787-8536
  • 2.55 mi
    Raul Resendez
    102 W Amy Dr, San Juan, TX 78589
    (956) 702-2886
  • 2.55 mi
    Jorge Benitez
    1205 N Raul Longoria Rd Ste K, San Juan, TX 78589
    (956) 961-4045
  • 2.55 mi
    Juan Rodriguez
    700 N Veterans Blvd Ste C, San Juan, TX 78589
    (956) 782-5300
  • 2.55 mi
    Direct General Auto Insurance
    901 West Expressway 83, San Juan, TX 78589
    (956) 702-1800
  • 2.55 mi
    Connect Insurance Agency
    905 W Fm 495 Ste 4, San Juan, TX 78589
    (956) 782-8191
  • 2.55 mi
    Ricardo Puente
    2203 N Raul Longoria Rd Ste B, San Juan, TX 78589
    (956) 782-8425
  • 2.55 mi
    Michael D. Valadez
    200 W Interstate 2 Ste K, San Juan, TX 78589
    (956) 961-4745
  • 2.55 mi
    Eloisa Fernandez
    2812 N Raul Longoria Rd Ste 3, San Juan, TX 78589
    (956) 961-4327
  • 2.55 mi
    Premier Group Insurance - Lorena Lara
    614 E Nolona Loop Ste E, San Juan, TX 78589
    (956) 787-6867
  • 2.55 mi
    Eliborio Saenz
    200 West Expressway, San Juan, TX 78589
    (956) 783-4949
View all agents ↓

Car Insurance Facts Pharr, 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.

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.

References

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.