The Best Auto Insurance in Brownsville, Texas

Allstate is a reliable and affordable provider of auto insurance in Texas. It offers coverage for RVs and motorhomes, discounts for teen drivers, and a Spanish-language version of its website. Allstate is also great for residents who rent or own their home because you can bundle your home and auto insurance policies.

Customer Service in Spanish

It’s easy to get a quote or speak to an Allstate agent in Spanish. Seven of nine local agents in Brownsville, Texas, speak Spanish. Call or email an agent to assist you with your policy—since they’re local, they understand the specific needs of drivers in Brownsville. Allstate also has a Spanish version of its website, through which you can access its 24/7 chat line or customer service phone line (1-800-726-6033), or email the company.

RV Coverage and Discounts

Brownsville offers many RV campgrounds, so locals and travelers can take advantage of its subtropical climate and natural beauty. Like auto insurance, Texas requires coverage for your recreational vehicle or motorhome that includes liability. Allstate’s RV coverage includes:

• Bodily injury liability
• Property damage liability
• Collision coverage
• Comprehensive coverage
• Personal effects coverage
• Medical payments/PIP coverage
• Uninsured/underinsured motorist coverage
• Towing and labor costs coverage
• Total loss replacement
• Vacation liability
• Emergency expense
• Full-timer liability coverage
• Pet coverage
• Tow bar coverage

Furthermore, many of Allstate’s auto insurance discounts apply to RVs. These include:

• Homeowners discount
• RV safety course discount
• Married discount
• Paid-in-full discount
• Paperless discount

Mexico Car Insurance Options

Brownsville has three international bridges connecting it to Mexico: the Brownsville & Matamoros International Bridge (B&M), Gateway International Bridge, and Veterans International Bridge at Los Tomates. As one of the southernmost border cities in the United States, it’s relatively easy to go to and from Mexico for work or personal travel. Your U.S. driver’s license is valid in Mexico, but your car insurance policy likely does not cover you, your vehicle, or your rental car if you get into an accident there.

Allstate offers tourist auto insurance through partners in Mexico. This type of policy is separate from your domestic policy and covers bodily injury or property damage liability up to $1 million if you’re involved in an accident. It also covers:

• Physical damage and theft
• Medical payments
• Legal assistance
• Loan or lease payoff for a totaled new car
• Roadside assistance
• Medical evacuation

You can tailor your policy for the length of your stay or up to a year. If you rented a vehicle in the U.S. and drove it to Mexico, then this policy will cover it. Rental cars rented in Mexico, commercial vehicles, or vehicles with Mexico license plates are not covered.

Liberty Mutual is a major auto insurer in the United States. The company offers auto insurance and discounts to teen drivers, military members and veterans, RV owners, and more. We selected Liberty Mutual for teen drivers since about 30 percent of Brownsville’s population is under age 18.² The company offers young drivers discounts and safe driving programs that benefit teens and their parents.

Teen Driver Discounts

We selected Liberty Mutual for its beneficial teen driver discounts and safe driving program. These include:

• Good student discount if your student driver has a B average or higher
• Multi-car discount for when your teen driver gets their own vehicle
• RightTrack safe driving program with discounts of up to 30 percent
• Student-away-at-school if your teen driver studies at college more than 100 miles away and drives a covered vehicle only occasionally

Hybrid/Electric Vehicle Benefits

Fun fact: The Environmental Protection Agency (EPA) selected Brownsville as one of 37 cities for its “Greening America’s Communities” program, resulting in a revitalization project for a building constructed in 1850 called Market Square.³ This, coupled with SpaceX’s South Texas launch site near Boca Chica Beach, may have you considering ways to go green.

The Texas Emissions Reduction Program (TERP) offers a $2,500 rebate if you purchase or lease an electric or plug-in hybrid vehicle, with grant applications accepted through March 22, 2024, if you purchase or lease a vehicle on or after Sept. 1, 2023.⁴ Liberty Mutual is a great option to insure your new electric or hybrid vehicle. The company offers an alternative fuel discount worth up to 10 percent if you drive an eco-friendly vehicle.

Resources for Spanish Speakers

Liberty Mutual has Spanish-language webpages dedicated to its customer service offerings and auto insurance resources. You can contact Liberty Mutual for help with car insurance claims (800-486-6152) and quotes for auto and home insurance (800-295-3410). You can call its general customer service line (888-398-8924) and dial 9 for help in Spanish.

USAA is our go-to auto insurance provider for military families. If you or a loved one is an active-duty military member or veteran, you will get affordable auto insurance rates and discounts from USAA. There are 3,346 veterans in Brownsville and several military facilities in the area.² USAA offers RV and Mexico coverage and translation services if you speak Spanish. It also boasts the lowest minimum coverage rate we found for auto insurance in Brownsville.

Auto Insurance for Military Personnel in Brownsville

Brownsville is home to an Army Reserve facility, and about 30 minutes south of a U.S. Marine Corps Reserve and U.S. Army Reserve base in Harlingen, Texas. Military veterans and employees benefit from USAA’s lower-than-average auto insurance rates. According to USAA, the average monthly cost for an auto insurance policy in Texas is $201.⁶ We found in Brownsville that the average full-coverage auto insurance policy from USAA will run you about $116, so you’re saving compared to most Texas drivers.

Lowest Rate for Minimum-Coverage Insurance in Texas

The minimum coverage limits in Texas are $30,000 per person/$60,000 per accident bodily injury liability and $25,000 property damage liability. The state does not require collision and comprehensive coverage, but your lender may if you lease or finance your vehicle.

USAA offers the lowest rate for minimum coverage policies in Brownsville. While we recommend purchasing as much coverage as you can afford, USAA’s minimum-coverage policy will keep you road-legal.