Daniel Trevino Insurance
1401 W Polk Ave., Ste. A, Pharr, TX 78577
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Pharr households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
1401 W Polk Ave., Ste. A, Pharr, TX 78577
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1301 W Sam Houston Blvd, Ste D, Pharr, TX 78577
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800 S Cage Blvd, Ste E, Pharr, TX 78577
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508 W Expressway 83, Ste 1, Pharr, TX 78577
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602 E U.S. Business 83, Pharr, TX 78577
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2114 N Cage Blvd, Ste C, Pharr, TX 78577
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Learn about insurance coverage options specific to Pharr residents.
Get the right insurance in Pharr, TX. Auto rates average $1,500/year, but 20% of drivers are uninsured. Learn about flood risks and coverage options.
Home InsurancePharr homeowners face hurricane and flood risks. Learn about insurance costs ($2,800-$3,200/year), required flood coverage, and discounts for storm protection.
Car InsuranceGet the coverage you need in Pharr, TX. Learn about 30/60/25 requirements, local accident rates on I-2 & US-83, and how to save on premiums.
Full coverage auto insurance in Pharr averages around $1,500 annually compared to the Texas statewide average of $2,540. While factors like border traffic and theft risks exist, competition among local insurers and regional pricing adjustments contribute to lower rates in the Rio Grande Valley. However, you should still carry robust uninsured motorist coverage given that 20% of Hidalgo County drivers are uninsured.
Yes, especially given Pharr's subtropical climate, proximity to the Rio Grande, and risk of hurricanes and tropical storms. Standard homeowners insurance does not cover flood damage. One in four flood claims comes from homes outside high-risk zones, so even if you're not in a designated floodplain, you're vulnerable. Flood insurance typically costs around $700 per year and is available through NFIP or private carriers.
More than 30% of adults in Hidalgo County lack health insurance, significantly higher than the Texas average of 20.7%. This creates serious financial risk for uninsured residents. If you're self-employed or lack employer coverage, speak with a local independent agent about marketplace plans, short-term options, or supplemental policies that can fill the gap.
Bundle your auto and home insurance with the same carrier to save 15-25% on premiums. Maintaining good credit can reduce your car insurance by up to 30%. Ask your agent about discounts for safe driving records, anti-theft devices, defensive driving courses, and multi-policy bundles. Working with an independent agent who shops multiple carriers can also help you find the most competitive rates.
Independent agents are especially valuable in Pharr because they understand local risks like border traffic, uninsured drivers, and flood zones. They shop multiple carriers on your behalf to find the best combination of coverage and price. Rather than being locked into one company's rates, you get personalized recommendations based on your specific needs and the unique challenges of living in the Rio Grande Valley.
Pharr has 121,354 Medicare-eligible residents, and 76.65% are enrolled in Medicare Advantage plans. In 2026, there are 47 Medicare Advantage plans available, including 24 with zero monthly premiums. These plans often include prescription drug coverage, dental, and vision benefits that Original Medicare doesn't provide. Consult a local agent to match you with a plan that fits your doctors and budget.
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