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Cheap Car Insurance in Edinburg, TX

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Everything You Need to Know About Auto Insurance in Texas

Traffic conditions in Edinburg, TX, are influenced by several factors, including population growth, urban development, and infrastructure projects. As the population continues to rise and the city expands, traffic congestion has become a common occurrence, particularly during commuter hours.

This Texas town is located just a few miles from the Mexican border and is also considered to be part of the Rio Grande Valley, or just “the Valley” to natives. The University of Texas-Pan American is a popular junior college located in Edinburg, with both undergraduate and graduate programs. Although it gets hot in this area during summer, the climate is mild most of the year, attracting outdoorsmen and sports enthusiasts.

According to data from the U.S. Census Bureau, the average commute time for Edinburg residents is approximately 23.6 minutes. Studies on traffic congestion also reveal that commuters in Edinburg spend an estimated 36 hours sitting in traffic each year. Even though Edinburg locals spend less time in their car than the typical American (56 hours annually), you still need car insurance in Texas that meets state requirements and protects you in case of potential accidents, damage to your vehicle, or if someone is injured in a crash.

How Much Does Car Insurance Cost in Edinburg, Texas?

Edinburg drivers pay auto premiums of around $72 per month for the minimum liability car insurance. This amount is $25 more than Texas’ norm of $47, and $10 more than the national norm of $62.

Full coverage car insurance is about $184 per month for Edinburg residents, which is $15 more than Texas’ norm of $169, and $28 less than the national norm of $212.

What Does Full vs. Minimum Mean?

Full coverage and minimum liability insurance policies have differences that include adequate financial protection and state-mandated requirements vs coverage that protects you as well as the other driver. Full coverage helps to pay for your loss if you experience a collision, theft, property damage, or natural disasters. Popular add-ons include rental car reimbursement, roadside assistance, and uninsured/underinsured motorist coverage.

Liability insurance (or state-required minimum coverage) is the smallest amount of state-mandated auto coverage you can legally have for bodily injury and property damage. Minimum coverage ensures you meet Texas’ mandates and shields you from financial liability if you are at fault in a crash, although it may not provide enough safeguarding in all situations. For example, minimum liability covers a portion of the amount of money needed for others’ losses and medical expenses in a wreck you cause, but it won’t cover these same costs for you.

Having a full policy means you’ll have financial security in many high-risk situations, meet legal requirements, and be financially assured, so make sure you have auto insurance that contains these parameters.

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Affordable Car Insurance Rates Comparison by Cities in Texas

This chart displays how much Edinburg drivers pay for their monthly premiums in comparison to other Texas cities.

City Full Coverage Insurance Liability Insurance Coverage
Edinburg $184 $72
Sugar Land $172 $66
Irving $175 $65
Laredo $170 $58
Houston $215 $80

Affordable Edinburg Car Insurance Rates by Zip Code

There are many factors that determine your monthly rates, including your zip code. If you reside in a suburban town with less traffic and accidents than in a large urban area, you’ll likely have to pay less than if you lived in the city because you navigate risky roads less frequently.

Here are the average monthly prices for people in Edinburg residing in various zip codes for full coverage and state-required liability insurance.

Zip code Full Coverage Insurance Liability Insurance Coverage
78504 $184 $72
78539 $181 $71
78540 $181 $71
78541 $187 $74
78542 $187 $74

Low-Cost Car Insurance Rates by Age in Edinburg

How old you are is another variable that insurers consider when they estimate your premium. Car insurance for young drivers is more expensive because they have less experience behind the wheel than adults.

This table lists the average monthly payments for people in Edinburg based on their age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenager $613 $279
20s $265 $107
30s $180 $72
40s $174 $72
50s $160 $68
60s $172 $77
$70 $184 $85

We use the following methodology to arrive at our average cost: male, age 30, state minimum liability and full coverage of 100/300/100.

Driving Conditions in Edinburg

How Many Fatal Accidents Happen in Edinburg?

The National Highway Traffic Safety Administration reports between five and six fatal crashes in Edinburg every year. NHTSA statistics show that between 2017 and 2021, one year had as many as nine fatalities, while others only had three or four.

How Are the Road Infrastructure and Bridges in Edinburg?

The Street Services Division in Edinburg oversees and takes care of the roads, with divisions that handle milling and paving, maintaining streetscapes and sidewalks, and providing seasonal needs like snow plowing and roadside sweeping. There are other ongoing initiatives that the Street Services Division is responsible for, too, like road repairs and post-storm cleanup. Independent of the Edinburg government, the state of Texas has a Department of Transportation that manages the needs of major highways and bridges.

Minimum Car Insurance Requirements in Edinburg

Texas law defines what the minimum liability requirements are in Edinburg and other cities and towns. In this state, you must have basic liability policy with:

What Are the Penalties for Driving Without Insurance in Edinburg, Texas?

In Texas, you are subject to state-defined penalties if you are caught driving without an active policy. One of the most common reasons you’ll get pulled over and given a ticket is if you don’t have documentation of your plan. The state considers this as evidence that you failed to maintain coverage — a class C misdemeanor.

As far as consequences, you can receive fines of up to $350 for your offense, and as much as $1,000 for any subsequent offenses. For additional offenses, you can also face vehicle impoundment, license and registration suspension and reinstatement fees, and even be required to get SR-22 insurance in Texas.

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Factors Allowed in Edinburg Car Insurance Rates

Your age, location, and how often you drive are just some variables insurers look at as they calculate your premium. Other characteristics providers use include:

What Happens if I Damage Property?

Whether you knock over a mailbox, ding the car parked next to you, or crash into a truck at an intersection, property damage is possible when you’re in an accident. Your full coverage policy will help you pay for the damages to your own vehicle plus whatever you damaged. State-mandated liability will help you pay to fix others’ possessions, including repairs to their vehicle, fixing harmed structures, or even reimbursement for additional losses, but nothing for your own damages.

In addition to financial security, your policy also gives you legal safeguarding. If you don’t have a plan, you can be held responsible for the full amount of the losses. With the right plan in place, you can protect your financial future.

What Are the Best Discounts for Car Insurance in Edinburg, TX?

There are many types of car insurance discounts that can help lower your rates. You can be eligible for several of these savings, and all of them can be applied to your bill to significantly lower it.

Some of the most popular discounts among Edinburg locals include:

If you have multiple policies, you can bundle them as a way to lower your bills. For example, when you combine your auto policy with your renters or homeowners insurance, you can save as much as 25%.


Get an Online Quote for Car Insurance in Edinburg Today!

Edinburg Route 69C, 336, and 107 on a Road Map of Texas: Gateway City to the Rio Grande Valley cheap car insurance in Texas.

Edinburg motorists need proof of car insurance that meets the minimum for Texas’ liability mandate. Freeway Insurance has a variety of affordable plans with the protection you need.

To find out more, simply get a free quote online on our easy-to-use  Freeway website. You can also visit one of our  Freeway offices in Texas, conveniently located near you, or call us at 800-777-5620.