Cheapest Car Insurance In Pharr, TX 2025
Progressive offers the most affordable minimum coverage car insurance in Pharr, with an average monthly cost of $42.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Pharr, TX, can be challenging, as prices vary widely.
For those needing the lowest-cost liability-only coverage, Progressive is the top choice. On the other hand, drivers who prefer full coverage at the best rate will find Texas Farm Bureau to be the most budget-friendly option. Texas Farm Bureau also provides the most affordable rates for young drivers.
Cheapest Car Insurance In Pharr, TX
Cheapest Liability-only Car Insurance In Pharr: Progressive
Progressive offers the most affordable minimum coverage car insurance in Pharr, with an average monthly rate of $42.
Check the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $65 | $780 |
| USAA | $56 | $672 |
| Texas Farm Bureau | $50 | $600 |
| Progressive | $42 | $504 |
| GEICO | $55 | $660 |
Cheapest Full Coverage Insurance Rates In Pharr: Texas Farm Bureau
Texas Farm Bureau offers the lowest rates for full coverage car insurance in Pharr, with an average monthly premium of $134.
See the table below for a comparison of average quotes from budget-friendly insurers in Pharr.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $161 | $1,932 |
| Texas Farm Bureau | $134 | $1,608 |
| GEICO | $153 | $1,836 |
| Progressive | $186 | $2,232 |
| State Farm | $149 | $1,788 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the most affordable car insurance for seniors in Pharr, with an average monthly rate of $103.
The table below highlights average quotes from the cheapest insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $146 | $1,752 |
| Texas Farm Bureau | $150 | $1,800 |
| Mercury | $161 | $1,932 |
| State Farm | $103 | $1,236 |
| Republic Indemnity | $155 | $1,860 |
Cheapest Rates In Pharr For Teenagers: Texas Farm Bureau
Teenage drivers in Pharr can get the most affordable rates from Texas Farm Bureau, with average monthly premiums of $335.
The table below lists the insurance companies offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $477 | $5,724 |
| Texas Farm Bureau | $335 | $4,020 |
| State Farm | $590 | $7,080 |
| Allstate | $701 | $8,412 |
| GEICO | $459 | $5,508 |
Cheapest Auto Insurance For Young Adults in Pharr: Texas Farm Bureau
Texas Farm Bureau provides the most affordable car insurance for young adults in Pharr, with an average monthly rate of $251.
Check the table below to compare the cheapest auto insurance rates for young adults in Pharr.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $609 | $7,308 |
| GEICO | $395 | $4,740 |
| Texas Farm Bureau | $251 | $3,012 |
| State Farm | $467 | $5,604 |
| USAA | $330 | $3,960 |
Cheapest Car Insurance In Pharr For Good Drivers: Progressive
Good drivers in Pharr can get the lowest car insurance rates from Progressive, with an average cost of about $42 per month.
If you have a clean driving record, check the table below for estimated rates from the most budget-friendly insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $50 | $600 |
| Progressive | $42 | $504 |
| USAA | $56 | $672 |
| GEICO | $55 | $660 |
| State Farm | $65 | $780 |
Find Affordable Pharr Rates
Cheapest Car Insurance In Pharr After A Speeding Ticket: Allstate
Allstate is one of the most affordable options in Pharr, offering an average rate of $73 per month for drivers with a speeding ticket.
Check the table below for estimated rates from different insurers for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mile Auto | $76 | $912 |
| Progressive | $124 | $1,488 |
| USAA | $87 | $1,044 |
| Allstate | $73 | $876 |
| Nationwide | $116 | $1,392 |
Cheapest For Drivers With After At-Fault Accident: Allstate
Allstate provides the most affordable car insurance rates for drivers who have been at fault in an accident, with an average monthly cost of $75.
Below are the car insurance providers that offer the lowest rates for drivers with an at-fault accident in their history.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $130 | $1,560 |
| USAA | $98 | $1,176 |
| Progressive | $142 | $1,704 |
| Mile Auto | $85 | $1,020 |
| Allstate | $75 | $900 |
Cheapest Rates In Pharr For Drivers After A DUI: Mile Auto
Mile Auto offers the lowest rates for drivers with a DUI, providing Pharr residents with an average monthly premium of $94.
For drivers in Pharr with a DUI, the table below shows the most affordable insurance options.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $116 | $1,392 |
| Allstate | $97 | $1,164 |
| Root | $135 | $1,620 |
| Mile Auto | $94 | $1,128 |
| Nationwide | $141 | $1,692 |
Best Car Insurance Companies In Pharr
Allstate provides the most affordable car insurance for drivers in Pharr, with an average monthly premium of $110. Texas Farm Bureau is another option, offering rates of $135 per month, while State Farm’s rates start at $151 per month.
The table below lists the top 10 car insurance companies in Pharr, TX, ranked by their average monthly premiums.
| Company | Monthly Premium |
| Allstate | $110 |
| Texas Farm Bureau | $135 |
| State Farm | $151 |
| Dairyland | $155 |
| GEICO | $158 |
| USAA | $163 |
| Nationwide | $164 |
| Mercury | $180 |
| Clearcover | $188 |
| Progressive | $196 |
Average Auto Insurance Rates In Pharr- By Age
Age plays a significant role in determining car insurance rates. Younger drivers, particularly teenagers, typically face higher premiums due to less experience and a higher likelihood of accidents and traffic violations. On average, teenagers can expect to pay about $5,424 annually for car insurance.
Once drivers reach the age of 25, their premiums generally start to drop, provided they have a clean driving record.
Drivers in their 50s and early 60s often receive the most competitive rates, as insurance companies use age to gauge experience and risk, directly affecting the cost of coverage.
| Age | Average Yearly Rate |
| Teenagers | $5,424 |
| 20s | $2,652 |
| 30s | $2,052 |
| 40s | $1,740 |
| 50s | $1,584 |
| 60s | $1,644 |
| 70s | $1,920 |
Average Rates In Pharr- By Vehicle
The type of vehicle you own has a major impact on your car insurance rates. Insurers consider factors like the make, model, year, and body style of the car when calculating premiums. Generally, newer vehicles, especially luxury models with advanced features and higher replacement costs, come with higher insurance rates.
The table below shows the average insurance rates in Pharr for various vehicle types.
| Vehicle | Average Monthly Rate |
| Honda Civic | $87 |
| Ford Mustang | $142 |
| Chevrolet Silverado | $80 |
| Toyota Camry | $275 |
| Honda Cr-V | $358 |
How Much Is Car Insurance In Other Cities in Texas?
Where you live plays a major role in determining your car insurance rates. Insurance providers assess factors like the likelihood of accidents, theft, and vandalism in your area, which are typically higher in cities. This increased risk usually leads to higher premiums.
For instance, drivers in Austin typically pay around $159 per month for car insurance, while those in Dallas face an average monthly rate of $175.
| City | Average Monthly Rate |
| Austin | $159 |
| Dallas | $175 |
| Beaumont | $168 |
| Arlington | $170 |
| Spring | $179 |
| El Paso | $155 |
| Fort Worth | $160 |
| Baytown | $132 |
| Irving | $173 |
| Lubbock | $157 |
Find Affordable Pharr Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Pharr, TX.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Pharr?
Progressive offers the lowest car insurance rates in Pharr for the minimum coverage required by the State of Texas, while Texas Farm Bureau provides the best rates for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Pharr?
The average car insurance cost in Pharr is around $160 per month. However, rates can differ depending on factors like your zip code, vehicle year and model, driving history, and more.
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