Pharr has 80,333 residents in 23,877 households. We list 17 agencies for auto insurance in Pharr. Here is what the local numbers say about the cover people here need.

Pharr at a glance

17auto insurance agencies listed
40.9%of households rentRenters insurance
$121,900median home valueHome insurance
2001median year homes were builtRebuild cost calculator
5.3%of households have no carAuto insurance
16.8%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Hidalgo County

FEMA rates the overall natural hazard risk in Hidalgo County, where most Pharr agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Pharr
HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Pharr
Ice stormVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Texas
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Pharr

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Pharr How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Pharr agencies work with

Of the 17 Pharr agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

Incline7 agencies
Agricultural Workers Mutual Auto Insurance Company6 agencies
GAINSCO6 agencies
Old American6 agencies
Progressive6 agencies
Foremost5 agencies
GEICO5 agencies
Home State5 agencies
WESTERN SURETY COMPANY5 agencies
Dairyland4 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Questions

Auto insurance in Pharr

All insurance agencies in Pharr · Auto insurance across Texas

Where can I find auto insurance in Pharr?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does auto insurance cover?

Covers your car for damage, theft and the harm you could cause to others.

Which insurance companies do Pharr agencies work with?

Among the 17 Pharr agencies whose appointments we hold, the companies they are most often appointed with are Incline (7), Agricultural Workers Mutual Auto Insurance Company (6), GAINSCO (6), Old American (6), Progressive (6). An appointed agency can quote that company's policies.

Do I need flood insurance in Pharr?

FEMA's National Risk Index rates inland flooding risk in Hidalgo County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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