Brenham drivers pay an average of $2,418/year — $647 more than the national average. With 224 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $702/year.
(888) 217-6781Estimated full coverage auto insurance rates for Brenham, TX from top carriers. Rates are adjusted for Brenham's 224 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $804 | $134/mo |
| GEICO | $917 | $153/mo |
| Progressive | $1,035 | $172/mo |
| State Farm | $1,130 | $188/mo |
| Allstate | $1,378 | $230/mo |
Estimates based on 2026 rate filings for ZIP 77833. USAA is cheapest at ~$134/mo. Actual rates vary by driver profile and exact Brenham location.
These Brenham-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Brenham, TX. Takes under 2 minutes.
(888) 217-6781Brenham is a smaller city in Texas with a population of 17,369. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hurricanes, tornadoes, hail, flooding, extreme heat, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Brenham.
For official Texas insurance regulations, visit the Texas Department of Insurance (TDI). For driver licensing, see the Texas DMV.
Your specific ZIP code within Brenham can swing your premium by hundreds of dollars. Here's how rates compare across Brenham neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 77842 | Brenham South Side | $2,253/yr | $188/mo |
| 77834 | Brenham North Side | $2,385/yr | $199/mo |
| 77849 | Brenham West Side | $2,391/yr | $199/mo |
| 77837 | Brenham East Side | $2,514/yr | $210/mo |
| 77833 | Brenham Downtown/Central | $2,619/yr | $218/mo |
The cheapest ZIP is 77842 (Brenham South Side) at $2,253/yr. The most expensive is 77833 (Brenham Downtown/Central) at $2,619/yr — a $366/year difference for the same driver.
Your Brenham ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Brenham. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,078/yr | $423/mo | +110% vs avg |
| Young Adult (20-25) | $3,385/yr | $282/mo | +40% vs avg |
| Adult (26-35) | $2,418/yr | $202/mo | 0% vs avg |
| Mid-Career (36-50) | $2,128/yr | $177/mo | -12% vs avg |
| Senior (51-65) | $2,007/yr | $167/mo | -17% vs avg |
| 65+ | $2,152/yr | $179/mo | -11% vs avg |
Teens in Brenham pay an average of $5,078/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,007/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Texas cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Brenham drivers can save up to $702/year. ZIP 77842 (Brenham South Side) has the lowest rates starting at $2,253/yr.
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