Mission, TX Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Mission, TX, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

How to Save on Car Insurance in Mission, TX?

The average cost of auto insurance in Mission, TX, is $1,553. This is much lower than the average cost of auto insurance in neighboring places such as La Homa, West Sharyland, Doffing, Palm View, and Alton. The amount of savings a driver can garner on auto insurance depends on numerous factors, some of which are explored below.

Auto Insurance Requirements:

• Texas law requires the following:

• Liability Coverage- 30,000 of coverage for injuries per person.

• Up to a total of $60,000 per accident

• $25,000 of coverage for property damage

 

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states.

Multi-Car Insurance:

Car owners in Mission, TX, can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of increasing your savings. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in Mission, TX, is $2,702, while it would cost $5,404 for four cars. The amount of savings on multi-car insurance in Mission ranges from $404 to $808.

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in Mission, TX, post-DUI, increases to $2,418. However, this is also dependent on the driver’s age. Moreover, the cost of auto insurance post-DUI for teenagers is much higher. Safe and responsible drivers will find it easier to lower the cost of auto insurance in Mission. Other violations that can have a long-term impact on auto insurance in Mission include driving with an expired license and running a red light. The former leads to an increase of $1,047, while the latter leads to an increase of $362.

 

Factors that can influence the cost of car insurance in Mission, TX are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Mission, TX Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Mission, TX with that of other cities in and around Mission.

	Mission	La Homa	West Sharyland	Doffing	Palmview	Alton
Average Insurance Rates	$1,553	$1,840	$1,872	$1,829	$1,859	$1,849

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Mission, TX Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Mission, TX based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Mission	$1,181	$998
Alton	$1,904	$1,609
West Sharyland	$2,743	$2,317
La Homa	$1,461	$1,234
Citrus City	$1,325	$1,119
Doffing	$1,451	$1,226
Palmhurst	$2,702	$2,282
Palmview	$1,296	$1,094

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Mission, TX Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Mission, TX usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$5,039
20 Years	$1,995
30 Years	$1,537
40 Years	$1,479
50 Years	$1,369
60 Years	$1,388
70 Years	$1,616

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Mission, TX Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Mission, TX can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,702	$404
3 Vehicles	$4,053	$606
4 Vehicles	$5,404	$808

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Mission, TX Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Mission, TX.

Location	Average Insurance Cost	Post DUI Insurance Rate
Mission	$1,553	$2,418
Alton	$1,849	$2,878
West Sharyland	$1,872	$2,914
La Homa	$1,840	$2,864
Citrus City	$1,827	$2,844
Doffing	$1,829	$2,847
Palmhurst	$2,074	$3,229
Palmview	$1,859	$2,894

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Mission, TX Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,332
Excellent (740-799)	$1,521
Good (670-739)	$1,618
Average (580-669)	$2,111
Poor (300-579)	$2,533

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Mission, TX Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Jerry Molina	Farmers	5401 N 10th St Ste 113, Mcallen, 78504	(956) 661-8338
Millie Castillo	State Farm	2510 E Griffin Pkwy, Mission, 78572-3348	956-585-2778
Global Insurance Agency	Travelers	1700 W BUS 83 STE C, MISSION, 78572	956-585-3833
Sergio Pena	State Farm	1215 E. Expressway 83, Mission, 78572	956-581-PENA
Michael Camargo	Farmers	5500 N Mccoll Rd Unit B1, Mcallen, 78504	(956) 627-3636
Shepard Insurance Agency	None	2601 E. Griffin Pkwy, Mission, 78572	None
Shepard Insurance Agency	Travelers	5801 N 10TH ST STE 300, MCALLEN, 78504	956-686-3888
South Texas Insurance Services	None	3911 N. 10Th St. Suite J, McAllen, 78501	None
Sentinel Partners, Llc	None	3043 W Alberta Rd, Edinburg, 78539	None
Rafael Salgado	Farmers	1200 N 10th St Ste A, Men, 78501	(956) 683-0670

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Mission, TX Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$68	$1,621
Driver's Failure In Showing Documents	+$151	$1,704
Driving With An Expired Registration	+$160	$1,713
Driving At A Considerably Slow Pace	+$337	$1,890
Using A Cellphone While Driving	+$356	$1,909
Running A Red Light	+$362	$1,915
Speeding	+$380	$1,933
Driving A Vehicle Without The Required Permission	+$483	$2,036
Driving With An Expired/Suspended License	+$1,047	$2,600

Mission, TX Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,491
Active Disabling Device	$1,491
Tracking Device	$1,460
Passive Disabling Device	$1,444

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Latest Auto Insurance Reviews in Mission, TX | Back to Top