Harlingen is in the heart of the Rio Grande Valley of southern Texas and part of Cameron County. It is the second largest city in Cameron County, and about 30 miles from the coast of the Gulf of Mexico. The city of Harlingen is at the union of U.S. Route 77 and U.S. Route 83, and the Free Trade Bridge at Los Indios is located just 10 miles south of Harlingen. The Free Trade Bridge is famous for being the most time-efficient border crossing in the Rio Grande Valley, and will provide for more efficient distribution of industrial products to and from interior Mexico when it is complete. The cost of living in Harlingen is 18% lower than the Texas average, and 26% lower than the national average. The overall crime rate in Harlingen is 26% higher than the national average, and year over year crimes has increased by 8%. Crime rates and cost of living influence insurance premiums, so it is important to explore all the options for cheap car insurance Harlingen has to offer, as well as any discounts you may qualify for.
Harlingen Insurance Requirements
Remember that carrying the minimum coverage required by law may not be enough to cover you personally. Make sure your policy will cover all of your assets, even if you are in an accident with an uninsured driver.
- Bodily Injury coverage requirements are a minimum of $30,000 per person and $60,000 per accident.
- Property damage liability minimum requirements are $25,000.
- Uninsured Motorist coverage is not required, but insurance company’s are required to offer it, and explain the coverage to consumers. According to Texas’ DMV, an estimated 20% of drivers in the state are uninsured.
- The law in Texas requires drivers to pay for accidents that they cause. Fault is ultimately determined by the state, using evidence and testimony gathered at the scene of the accident.
Public Transportation In Harlingen
There are 2 airports and 2 Amtrak train stations within 30 miles of the Harlingen city center, and the average travel time to work is 34% lower than the national average. Valley Transit Co. and The Lower Rio Grande Valley Development Council provides public transportation in urbanized and non-urbanized areas of the lower Rio Grande Valley. The number of people who take public transportation in Harlingen is 91% lower than the national average, and the number of people who carpool is 11% higher than the national average. Public transit and carpooling are both very effective for lowering you yearly mileage, and qualifying you for a good discount on your car insurance.