Cheapest Auto Insurance in McAllen, Texas (2024)
State Farm offers the cheapest car insurance in McAllen, with minimum-coverage policies as low as $36 per month.
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Written bySarah Sharkey
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Updated October 30, 2024
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Table of contents
McAllen has lower average car insurance rates than other cities in Texas, and lower rates than the state's overall averages. Drivers in McAllen pay an overall average of $179 per month for car insurance, and the Lone Star State average is $182.
The city's low fatality rate – less than half a percent of all 2022 crashes were fatal[1] – likely contributes to its lower car insurance costs. But, just because McAllen's rates are lower than the average, that doesn’t mean you can’t pay a little, or even a lot, less.
Some insurance companies, like State Farm and GEICO, consistently offer below-average rates to qualified drivers. In other cases, you might be able to reduce your rates based on the choices you make and by comparing quotes from multiple companies. Here’s how.
Quick Facts
State Farm, GEICO, and Allstate offer the cheapest car insurance for McAllen drivers.
The average cost of a full-coverage car insurance policy in McAllen is $241 per month, while liability-only policies average $118 monthly.
Texas state law allows insurers to consider your credit history when setting your car insurance rate.
3 of the cheapest car insurance companies in McAllen
The perfect insurance policy for you depends on your needs, but the rate you pay for that policy depends on your age, ZIP code, gender, marital status, type of vehicle you drive, your driving record, and more.
Each car insurance company will evaluate the different factors of your life differently, and that can lead to significantly different rates. Fortunately, comparing quotes can help you lock in the most affordable option.
Below is a closer look at some of the best car insurance companies in McAllen so you can jump-start your search.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $67 | $37 | Low rates |
| Allstate | 8.9 | $94 | $52 | Families |
| GEICO | 9.0 | $73 | $40 | Multi-language speakers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $36/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $63/mo |
4.2
Best choiceBased on 8831 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,847)
Jannie
October 29, 2024
Verified Review
Good
The insurance is higher than other companies' policies.
Marsha
October 29, 2024
Verified Review
Friendly agents!
Check out their prices!
Linda
October 29, 2024
Verified Review
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm consistently offers McAllen drivers some of the cheapest premiums. In addition to the lowest rates for some drivers, State Farm earned top marks for customer satisfaction in the 2023 J.D. Power U.S. Auto Insurance Study. Drivers can save even more with State Farm by bundling their auto policies with life insurance, renters insurance, homeowners insurance, or pet insurance.
Pros
Above-average customer satisfaction
Rideshare coverage available
Cons
No gap insurance available
No accident forgiveness available
Best insurer for families: Allstate
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $89/mo |
4.0
Best choiceBased on 5531 verified guest reviews and ratings
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.
AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,016)
Howard
October 29, 2024
Verified Review
They Have You By The Short Hairs
I was on a three-lane highway in heavy traffic and couldn't avoid a piece of metal in my lane. I couldn't swerve or I would have hit other cars. Allstate said the accident was the driver's fault and then doubled my insurance cost.
Hugh
October 29, 2024
Verified Review
Actual Crash Damages vs. Damages Quoted Over the Phone
There were problems getting the correct amount paid out when I made a claim. I had to escalate the issue to the Senior Vice President to get a proper settlement when a deer hit my truck. There was a $5000 difference between what was paid out when the estimator assessed the value of damage to my truck and the actual estimate done by a local car dealership. The Senior Vice President agreed that the amount of damage done was the amount quoted by the local car dealership.
Miriam
October 29, 2024
Verified Review
Best Overall
Check around before choosing. Allstate has been my choice for years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A-Why we picked this company
Allstate consistently offers drivers relatively affordable premiums, but the company’s string of discounts makes it a great option for families. Some of the discounts best suited to families include the smart student discount, multiple policy discount, bundling home insurance discount, and new-car discount.
Pros
A+ AM Best rating
Discounts for students
Cons
Below-average customer satisfaction rating
Not the cheapest insurer for McAllen drivers
Best insurer for multi-language speakers: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $69/mo |
4.0
Best choiceBased on 10113 verified guest reviews and ratings
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,563)
Herman
October 29, 2024
Verified Review
Excellent
For us, it came down to cost and having all of our insurance with the same company, not farmed out.
Greg
October 29, 2024
Verified Review
It's Expensive
It's expensive.
Robert
October 29, 2024
Verified Review
Unpleasant Experience on Cape Cod
My insurance has gone from $37 a month to $82. Stay far away from this company.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
More than 25% of McAllen residents are foreign-born. For some, that could mean you’re more comfortable talking over the details of your auto insurance policy in your primary language. If you’re looking for Spanish-speaking customer support, for example, GEICO has it. You can give GEICO a call for customer service and expect an agent to offer service in Spanish or English.
Pros
Many discount opportunities
Accident forgiveness available
Cons
Below-average customer satisfaction rating
No rideshare coverage
How to get the cheapest car insurance in McAllen
You must have insurance to drive legally in Texas, but that doesn’t mean you have to overpay. You can reduce your car insurance expenses with these strategies:
Shop around. Every car insurance company has a slightly different method of determining premiums. If you compare quotes from multiple insurance companies, you can find out which company offers the lowest rate for your situation.
Ask for a discount. Many car insurance companies offer discount opportunities for safe driving, being a good student, and more. It’s worth asking to see if you qualify for any discounts your insurer may have.
Raise your deductible. A higher deductible usually leads to lower car insurance premiums. If you can afford the cost of the new deductible, then this change might make sense.
Bundle policies. Consolidating your home (or renters) insurance and auto policy with one company could give you a discount of 5% or more.
Stick with minimum coverage. Although minimum coverage doesn’t offer robust financial protection, it’s usually the cheapest option. If you’re comfortable with liability-only coverage, you might find cheaper insurance premiums.
)
Guide to Car Insurance Discounts (2024)
Cheapest liability-only car insurance in McAllen: State Farm
Liability car insurance is designed to cover the cost of the damages you cause to others during an accident that was your fault. For example, this type of insurance policy might pay to repair the other driver’s vehicle or cover their medical bills.
In general, a liability-only policy is the cheapest option because the insurance company won’t help you repair or replace your own vehicle. But liability-only coverage typically makes the most sense for drivers with older, less-expensive vehicles that are paid off.
The average rate for liability coverage in McAllen is $118, and you can see a collection of average monthly quotes from area insurers below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $36 |
| GEICO | $39 |
| Allstate | $51 |
| Mile Auto | $53 |
| Hugo | $56 |
| USAA | $64 |
| Nationwide | $80 |
| Mercury | $82 |
| Safeco | $83 |
| Midvale Home & Auto | $94 |
| Progressive | $95 |
| Dairyland | $101 |
| Chubb | $109 |
| Clearcover | $109 |
| National General | $116 |
| 21st Century | $126 |
| Elephant | $127 |
| Direct Auto | $128 |
| Commonwealth Casualty | $132 |
| Liberty Mutual | $132 |
| The General | $134 |
| Bristol West | $145 |
| GAINSCO | $153 |
| State Auto | $167 |
| AssuranceAmerica | $169 |
| Infinity | $189 |
| Hallmark | $190 |
| Foremost | $213 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in McAllen: State Farm
Though more expensive than a liability-only police, a full-coverage car insurance policy provides the protections of liability coverage but also includes comprehensive and collision coverages. After an accident, collision coverage will help repair or replace your vehicle. And if your car is the victim of another kind of incident, like a fallen tree or theft, comprehensive coverage will help you get back on the road.
If you used a loan to finance your vehicle, or you lease it, your lender or leasing company will require you to carry full coverage until the loan is paid.
This more robust coverage is generally more expensive than liability-only coverage, and the average rate for full coverage in McAllen is $241.
Below is a look at some of the average full-coverage quotes available in McAllen from leading insurers.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $63 |
| GEICO | $69 |
| Allstate | $89 |
| Mile Auto | $110 |
| USAA | $112 |
| Clearcover | $137 |
| Mercury | $137 |
| Hugo | $139 |
| Nationwide | $161 |
| Progressive | $166 |
| Safeco | $167 |
| Midvale Home & Auto | $173 |
| Chubb | $191 |
| Elephant | $214 |
| 21st Century | $221 |
| AssuranceAmerica | $227 |
| National General | $251 |
| Direct Auto | $258 |
| Dairyland | $261 |
| Liberty Mutual | $269 |
| The General | $286 |
| Bristol West | $301 |
| Infinity | $303 |
| State Auto | $324 |
| GAINSCO | $336 |
| Commonwealth Casualty | $351 |
| Foremost | $445 |
| Hallmark | $447 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Mcallen, Texas
Recent Mcallen, Texas car insurance prices for KIA, Chevrolet, GMC , and more.
*Quotes generated for Insurify users in and around Mcallen, Texas within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Mcallen, Texas within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
To drive legally in the state of Texas, you must carry a minimum amount of liability coverage. Here’s a breakdown of the minimum coverage requirements:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
However, while the coverage above meets the minimum requirements, you may wish to enhance your protection with the following options:
Collision coverage
Collision coverage is designed to help you pay for repairs to your own vehicle after an accident.
Comprehensive coverage
If something other than a collision damages your vehicle, like a hailstorm or vandalism, comprehensive coverage will help you pay for repairs.
Uninsured/underinsured motorist coverage
This pays for your damages if you’re hit by an uninsured driver, or if their auto insurance coverage isn’t enough to fully cover the damage they caused.
Personal injury protection (PIP) coverage
This pays for medical bills, lost income, and a few other things if you or your passengers are injured in an accident. All Texas auto policies include this coverage by default. If you don’t want it, you have to opt out in writing.
Cheapest car insurance for drivers with an incident
Everyone makes mistakes. But if you’re caught making a mistake behind the wheel, that can turn into an incident on your driving record. Common incidents include speeding tickets, driving under the influence (DUIs), and at-fault accidents.
In the sections that follow, you’ll see how different incident types affect your car insurance rates.
Cheapest car insurance for drivers with a speeding ticket: State Farm
The average commute time in McAllen is just over 20 minutes.[2] But it can still be tempting to speed across town. In fact, speeding drivers caused more than 1,000 accidents in McAllen in 2022.[3] If you get caught speeding, that often leads to higher car insurance premiums.
The average cost of full-coverage insurance for drivers with a speeding ticket is $331 per month, but you can explore some potentially lower quotes from the insurers below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $36 | $46 |
| GEICO | $39 | $50 |
| Allstate | $51 | $65 |
| Mile Auto | $53 | $70 |
| Hugo | $56 | $71 |
| USAA | $64 | $82 |
| Nationwide | $80 | $103 |
| Mercury | $82 | $112 |
| Safeco | $83 | $108 |
| Progressive | $95 | $121 |
| Dairyland | $101 | $129 |
| Chubb | $109 | $142 |
| Clearcover | $109 | $142 |
| National General | $116 | $149 |
| 21st Century | $126 | $167 |
| Elephant | $127 | $176 |
| Direct Auto | $128 | $163 |
| Commonwealth Casualty | $132 | $183 |
| Liberty Mutual | $132 | $183 |
| The General | $134 | $173 |
| Bristol West | $145 | $185 |
| GAINSCO | $153 | $212 |
| State Auto | $167 | $232 |
| AssuranceAmerica | $169 | $219 |
| Infinity | $189 | $251 |
| Foremost | $213 | $295 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Insurance companies see an at-fault accident as an indicator of potential future risky behavior. This often leads to more expensive insurance premiums after the accident. The average cost of full-coverage insurance for drivers with an at-fault accident on their record is $351 per month.
You can explore the average premiums offered by area insurers below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $36 | $49 |
| GEICO | $39 | $53 |
| Allstate | $51 | $69 |
| Mile Auto | $53 | $76 |
| Hugo | $56 | $81 |
| USAA | $64 | $87 |
| Nationwide | $80 | $110 |
| Mercury | $82 | $119 |
| Safeco | $83 | $110 |
| Progressive | $95 | $131 |
| Dairyland | $101 | $136 |
| Chubb | $109 | $149 |
| Clearcover | $109 | $159 |
| National General | $116 | $159 |
| 21st Century | $126 | $175 |
| Elephant | $127 | $169 |
| Direct Auto | $128 | $177 |
| Commonwealth Casualty | $132 | $175 |
| Liberty Mutual | $132 | $192 |
| The General | $134 | $185 |
| Bristol West | $145 | $196 |
| GAINSCO | $153 | $199 |
| State Auto | $167 | $248 |
| AssuranceAmerica | $169 | $228 |
| Infinity | $189 | $253 |
| Foremost | $213 | $310 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
In 2022, McAllen saw a total of 86 crashes where the driver was intoxicated.[3] Insurers see a DUI on your record as a very serious incident and will often raise your rates dramatically. Some insurers may drop you altogether.
The average monthly cost for full coverage with a DUI on your record is $399 per month in McAllen.
Below is a collection of insurers that will provide coverage to drivers with a DUI on their record.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $36 | $60 |
| GEICO | $39 | $64 |
| Allstate | $51 | $84 |
| Mile Auto | $53 | $88 |
| Hugo | $56 | $93 |
| USAA | $64 | $106 |
| Nationwide | $80 | $132 |
| Mercury | $82 | $124 |
| Safeco | $83 | $137 |
| Progressive | $95 | $157 |
| Dairyland | $101 | $167 |
| Chubb | $109 | $180 |
| Clearcover | $109 | $180 |
| National General | $116 | $192 |
| 21st Century | $126 | $208 |
| Elephant | $127 | $210 |
| Direct Auto | $128 | $212 |
| Commonwealth Casualty | $132 | $218 |
| Liberty Mutual | $132 | $218 |
| The General | $134 | $222 |
| Bristol West | $145 | $240 |
| GAINSCO | $153 | $253 |
| State Auto | $167 | $276 |
| AssuranceAmerica | $169 | $279 |
| Infinity | $189 | $313 |
| Foremost | $213 | $352 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Most insurance companies look at your age when determining premiums. And generally, the more experience you have behind the wheel, the more affordable your car insurance costs.
After paying high rates in their teens, drivers usually see those rates decline in their 30s, and this downward trend lasts for decades. However, around age 75, car insurance costs usually start to increase again. This is because drivers of this age and older generally have reduced faculties and are more likely to be seriously injured if they’re in an accident.
Senior drivers in McAllen pay a monthly average of $188 for full coverage and $92 for liability-only car insurance. The overall average cost of car insurance for seniors in McAllen is $140 per month, but you may be able to reduce your rates by shopping around.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $48 | $27 |
| GEICO | $54 | $30 |
| Allstate | $69 | $40 |
| Mile Auto | $81 | $39 |
| USAA | $87 | $50 |
| Mercury | $103 | $62 |
| Hugo | $107 | $43 |
| Clearcover | $111 | $88 |
| Progressive | $115 | $66 |
| Nationwide | $117 | $58 |
| Chubb | $135 | $77 |
| Safeco | $137 | $68 |
| 21st Century | $160 | $91 |
| AssuranceAmerica | $167 | $124 |
| Elephant | $169 | $100 |
| National General | $187 | $87 |
| Direct Auto | $196 | $97 |
| Dairyland | $202 | $78 |
| Liberty Mutual | $218 | $107 |
| Infinity | $224 | $139 |
| The General | $227 | $106 |
| Bristol West | $234 | $113 |
| State Auto | $239 | $123 |
| Commonwealth Casualty | $272 | $102 |
| GAINSCO | $274 | $125 |
| Foremost | $344 | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers are the newest on the road and have the least amount of experience behind the wheel. In general, this lack of experience means higher accident rates and more expensive car insurance premiums. For example, teens in McAllen pay an average monthly premium of $323, with full coverage and liability-only policies priced at $435 and $213, respectively.
The good news is that young drivers can take action to lower their car insurance costs. Some ways to find more affordable rates as a teen driver include increasing your deductible, staying on your parents’ policy, getting good grades, and committing to safe driving habits.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $109 | $63 |
| GEICO | $111 | $63 |
| Allstate | $160 | $92 |
| USAA | $190 | $109 |
| Mile Auto | $217 | $104 |
| Hugo | $232 | $93 |
| Mercury | $250 | $150 |
| Clearcover | $267 | $213 |
| Nationwide | $283 | $141 |
| Progressive | $301 | $172 |
| Safeco | $339 | $168 |
| Elephant | $356 | $211 |
| Chubb | $366 | $209 |
| 21st Century | $379 | $216 |
| AssuranceAmerica | $425 | $317 |
| Dairyland | $436 | $169 |
| The General | $465 | $218 |
| Direct Auto | $478 | $237 |
| Liberty Mutual | $485 | $238 |
| National General | $502 | $232 |
| Bristol West | $518 | $250 |
| Infinity | $560 | $350 |
| State Auto | $586 | $302 |
| GAINSCO | $597 | $272 |
| Commonwealth Casualty | $625 | $235 |
| Foremost | $805 | $385 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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McAllen car insurance quotes by credit tier
Insurance companies in Texas are allowed to consider your credit when determining your premiums. However, they can’t charge you more if your credit score was hurt by a major illness; the death of a spouse, child, or parent; a temporary job loss; a recent divorce; or identity theft.[4]
Beyond those events, your credit score can come into play. In general, drivers with excellent or good credit scores pay less for car insurance than drivers with poor credit scores.
Below is a breakdown of average car insurance quotes based on credit score.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in McAllen?
The average cost of car insurance in McAllen is $179, which closely mirrors the average cost for drivers across the state. However, the rate drivers pay in McAllen is considerably less than the national average cost of car insurance.
More cities in Texas
Texas is a big state, and, not surprisingly, there are some big shifts in the average rates drivers pay for car insurance from city to city. Here, you can see how McAllen stacks up against other cities in Texas.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Amarillo | $249 | $106 |
| Arlington | $255 | $127 |
| Austin | $243 | $129 |
| Corpus Christi | $228 | $124 |
| Dallas | $284 | $135 |
| Houston | $324 | $170 |
| El Paso | $215 | $93 |
| San Antonio | $245 | $123 |
| Fort Worth | $245 | $121 |
| Plano | $244 | $244 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
McAllen car insurance FAQs
If you’re interested in learning more about how you can lower your car insurance rates in McAllen, the following answers can help.
How much is car insurance in McAllen, Texas?
The average monthly rate for car insurance in McAllen is $179. If you’re looking for full coverage, you can expect an average monthly rate of $241. Meanwhile, the monthly average for liability coverage is $118.
Who has the cheapest car insurance in McAllen?
The cheapest insurance companies in McAllen are State Farm, GEICO, and Allstate. State Farm offers liability coverage for as little as $36 per month. McAllen drivers can also find savings with GEICO and Allstate, which have monthly liability averages of $39 and $51, respectively.
However, rates do change, and you should always compare quotes from several insurers before choosing a policy.
What are the best car insurance companies in McAllen?
State Farm, Allstate, and GEICO rank as three of the top insurers in McAllen. All three boast strong Insurify Quality Scores of 9.3, 8.9, and 9.0, respectively. In addition, each is known for providing competitive rates and for earning high marks for customer satisfaction and financial stability.
How much is car insurance in Texas per month?
The average rate for car insurance in Texas is $182 per month. The rate you pay may be higher or lower depending on where you live in Texas. But on the whole, rates in the Lone Star State fall at or below the national average.
What’s the minimum car insurance in Texas?
To drive legally in Texas, you must have insurance coverage that meets the state’s 30/60/25 minimum requirements. This means you must carry bodily injury liability coverage of $30,000 per person and $60,000 per accident, as well as property damage liability coverage of $25,000 per accident.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Texas
Sources
- Texas Department of Transportation. "Crashes and Injuries, Cities and Towns."
- Census.gov. "Quick Facts: McAllen, Texas."
- Texas Department of Transportation. "Crash Records Information System."
- Texas Department of Insurance. "How your credit score can affect your insurance rates."
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Sarah SharkeyInsurance Writer
Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.
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