Cheapest Auto Insurance in McAllen, Texas (2026)
State Farm offers the cheapest car insurance in McAllen, with minimum-coverage policies as low as $56 per month.
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Sarah SharkeyInsurance Writer
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A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
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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 $175 per month for car insurance, and the Lone Star State average is $163.
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 Allstate, 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, Allstate, and Mile Auto offer the cheapest car insurance for McAllen drivers.
The average cost of a full-coverage car insurance policy in McAllen is $216 per month, while liability-only policies average $133 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 | $108 | $53 | Low rates |
| Allstate | 8.9 | $152 | $75 | Families |
| GEICO | 9.2 | $189 | $86 | Multi-language speakers |
Disclaimer: Table data sourced from real-time Mcallen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mcallen 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 55,000 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 | 4.0 |
|---|---|
| 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. | 9.3 /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. | $56/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. | $115/mo |
4.0
Best choice in Mcallen, TXBased on 16,800 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Mcallen for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Mcallen for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for Mcallen drivers - See all 7,345 State Farm reviews
Gigi
Verified Review
Disappointed
Reviewed in Texas on April 7, 2026
Don't increase the rates with every renewal.
Robert
Verified Review
Katie was a part-time agent but made me her only customer. I hope she is the boss one day.
Reviewed in Texas on April 6, 2026
It's about the people. I use the State Farm that is 300 miles from where I live, with many State Farm agencies along the way. It's about the people. One little part-time agent kept me updated on what was going on with the insurance company. Katie started talking to me 9 weeks before I needed a new policy, and she is why I moved to State Farm and is still the reason because she is my agent.
Courtney
Verified Review
Excellent
Reviewed in Texas on April 6, 2026
It's been affordable.
Juan
Verified Review
Concerned Customer with Questions
Reviewed in Texas on April 4, 2026
Good for the most part in terms of coverage and customer service. I just don't like that the rates keep increasing even though we have a good driving record, no traffic violations, and we don't travel as much. Plus, we're in our senior years.
William
Verified Review
Excellent
Reviewed in Texas on March 26, 2026
State Farm is a good, solid insurance company. Rates are competitive.
Norvell
Verified Review
Average
Reviewed in Texas on March 19, 2026
To add a second vehicle, the price increased, and they are always trying to upsell.
Colette
Verified Review
Love the staff
Reviewed in Texas on March 19, 2026
Very expensive.
Michael
Verified Review
State Farm is overpriced and customer service from agent is lacking
Reviewed in Texas on March 14, 2026
Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.
Steven
Verified Review
Used to be great
Reviewed in Texas on March 11, 2026
They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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 | 3.8 |
|---|---|
| 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. | $80/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. | $161/mo |
3.8
A solid option in Mcallen, TXBased on 10,073 verified driver reviews and ratings
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Mcallen for
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate
Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best in Mcallen for
Accident forgiveness
Wide availability
Cheap rates
Showing 75 Texas reviews for Mcallen drivers - See all 4,361 Allstate reviews
Marie
Verified Review
Allstate
Reviewed in Texas on April 5, 2026
Allstate is good, about average in price. Customer service is excellent.
Ramiro
Verified Review
Questionable about the motto they advertise "You're in good hands with Allstate" does not jive with me!
Reviewed in Texas on April 5, 2026
The driving record for my wife and me really doesn’t reflect the driving discounts I think we should be receiving. $300+ per month, in my opinion, vs what I see does not reflect the discount I should be receiving!
Joan
Verified Review
Car Insurance Tip
Reviewed in Texas on April 2, 2026
Look at multiple agencies before making a decision.
John
Verified Review
You're in good hands with Allstate
Reviewed in Texas on March 30, 2026
Allstate really helped me out in getting insurance for both my car and house, and helped me save money.
Billy
Verified Review
Not Good
Reviewed in Texas on March 29, 2026
No additional coverage but an increase every year.
Jeffrey
Verified Review
Allstate - All about getting your money but not following up
Reviewed in Texas on March 27, 2026
Overall, they have overpriced their coverage. My insurance broker is mediocre and does not communicate with clients very well. I haven't heard from my agent in I don't know how long. As long as they are getting your premium, that's all they care about.
Rodney
Verified Review
Too Much Money
Reviewed in Texas on March 25, 2026
I've been with them on and off for 6 years, always paying on time, and yet I received no discount. They are too expensive.
Cesar
Verified Review
Allstate's Pricing Strategy
Reviewed in Texas on March 14, 2026
Do not use Allstate. They offer you lower rates initially and then raise them higher than your previous insurance company.
Juana
Verified Review
Shame on them. Just because I'm a senior citizen they wanted to take advantage of me.
Reviewed in Texas on March 13, 2026
They are crooks. I have been a licensed driver for 44 years, insured, and this company had me for 3 months on pins and needles with their incompetent ways of taking information and putting the wrong numbers for my account even though they were on auto pay. They charged me for late fees for their errors, and at 69, I could not handle so much. They said my bank declined payment, and this went on for 3 months. Finally, I went to the bank, and my bank told them they had not received a request for payment from them. They still said I had to pay the bill with a late fee. That day I had an appointment with a doctor. Because of all this, I got lost and even got into my first accident. Then they tried to take my vehicle for $1,500. I was able to take my vehicle back and fix it myself for less than those $1,500 dollars, which they said was a total loss. I will not recommend this company.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
636NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.02A.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 | 3.9 |
|---|---|
| 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. | 9.2 /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. | $91/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. | $200/mo |
3.9
A solid option in Mcallen, TXBased on 17,081 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Mcallen for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Mcallen for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Texas reviews for Mcallen drivers - See all 7,581 GEICO reviews
William
Verified Review
Once upon a time they were affordable...
Reviewed in Texas on April 4, 2026
After 11 loyal years with Geico, once deregulation was in effect, their base rates skyrocketed. It's hard for seniors on a fixed income.
Eric
Verified Review
Auto Insurance
Reviewed in Texas on April 2, 2026
Informed, good customer service.
Lorin D
Verified Review
Not the cheapest, but they seem to be there for you
Reviewed in Texas on April 1, 2026
The car insurance seems a little expensive. I wanted to have some extras with it like towing, which was a bit pricey. However, I like the fact that I could sign up with them personally without needing to provide information on my entire family, who have their own vehicle and motorcycle insurance. They are pretty much the same price as the rest, but a little on the higher range.
Martin
Verified Review
GEICO is one of the worst
Reviewed in Texas on April 1, 2026
They base rates on being part of a driver program. If you don’t participate, rates rise over 50%.
Alejandro
Verified Review
They Couldn't Care Less
Reviewed in Texas on March 26, 2026
The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?
Laura
Verified Review
Insurance is Theft
Reviewed in Texas on March 26, 2026
Still costs too much but less than everyone else.
John
Verified Review
Good
Reviewed in Texas on March 21, 2026
I would say I have had an overall good experience.
Jaquelyn
Verified Review
I can't find anything less expensive
Reviewed in Texas on March 18, 2026
Cheapest I have found so far. Have not had a claim, so can't comment on that process.
Bombshell
Verified Review
Up, up, always up!
Reviewed in Texas on March 18, 2026
I would say don't do it! They are increasing my liability and uninsured motorist coverage for a 2005 Nissan Sentra. I'm 57 years old with no tickets or accidents, and yet I'm paying over $170 for not full coverage! It went up! I'm looking for another insurance company.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.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.
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Car Insurance Discounts: Full List and How to Qualify (2026)
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 $133, and you can see a collection of average monthly quotes from area insurers below.
The below rates in Mcallen, TX, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $56 |
| Allstate | $80 |
| Mile Auto | $81 |
| Progressive | $85 |
| GEICO | $91 |
| USAA | $101 |
| Mercury | $112 |
| First Acceptance | $118 |
| The General | $119 |
| Alinsco | $123 |
| Freedom National | $125 |
| Lone Star | $125 |
| Nationwide | $126 |
| Dairyland | $128 |
| Commonwealth Casualty | $129 |
| GAINSCO | $133 |
| Clearcover | $134 |
| Root | $134 |
| Bristol West | $135 |
| Mendota | $137 |
| Covercube | $138 |
| AssuranceAmerica | $143 |
| Safeco | $151 |
| Direct Auto | $152 |
| Sun Coast | $152 |
| National General | $154 |
| Loop | $158 |
| Elephant | $160 |
| Chubb | $171 |
| Trexis One | $173 |
| 21st Century | $197 |
| Liberty Mutual | $243 |
Disclaimer: Table data sourced from real-time Mcallen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mcallen 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 $216.
Below is a look at some of the average full-coverage quotes available in McAllen from leading insurers.
The below rates in Mcallen, TX, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $115 |
| Allstate | $161 |
| Progressive | $162 |
| Mile Auto | $178 |
| Mercury | $187 |
| GEICO | $200 |
| USAA | $204 |
| Root | $228 |
| Safeco | $230 |
| Clearcover | $240 |
| Alinsco | $247 |
| Direct Auto | $247 |
| Elephant | $255 |
| Nationwide | $256 |
| GAINSCO | $264 |
| National General | $264 |
| Bristol West | $267 |
| The General | $277 |
| Mendota | $278 |
| AssuranceAmerica | $286 |
| First Acceptance | $296 |
| Commonwealth Casualty | $298 |
| Loop | $301 |
| Sun Coast | $303 |
| Lone Star | $307 |
| Dairyland | $323 |
| Covercube | $332 |
| Freedom National | $337 |
| Chubb | $346 |
| Liberty Mutual | $364 |
| Trexis One | $367 |
| 21st Century | $399 |
Disclaimer: Table data sourced from real-time Mcallen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mcallen may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Mcallen, Texas
Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $97/mo for full coverage in Mcallen and other Texas cities.
*Quotes generated for Insurify users in and around Mcallen, Texas within the last 10 days. Last updated on April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 8, 2026. 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 April 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 April 8, 2026. 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 $269 per month, but you can explore some potentially lower quotes from the insurers below.
The below rates in Mcallen, TX, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $56 | $71 |
| Allstate | $80 | $104 |
| Mile Auto | $81 | $99 |
| Progressive | $85 | $106 |
| GEICO | $91 | $119 |
| USAA | $101 | $130 |
| Mercury | $112 | $155 |
| First Acceptance | $118 | $147 |
| The General | $119 | $159 |
| Alinsco | $123 | $153 |
| Freedom National | $125 | $156 |
| Lone Star | $125 | $156 |
| Nationwide | $126 | $163 |
| Dairyland | $128 | $159 |
| GAINSCO | $133 | $159 |
| Clearcover | $134 | $171 |
| Root | $134 | $178 |
| Bristol West | $135 | $170 |
| Mendota | $137 | $171 |
| Covercube | $138 | $172 |
| AssuranceAmerica | $143 | $182 |
| Safeco | $151 | $198 |
| Direct Auto | $152 | $190 |
| Sun Coast | $152 | $189 |
| Loop | $158 | $197 |
| Elephant | $160 | $191 |
| Chubb | $171 | $217 |
| Trexis One | $173 | $215 |
| 21st Century | $197 | $259 |
| Liberty Mutual | $243 | $308 |
Disclaimer: Table data sourced from real-time Mcallen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mcallen 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 $284 per month.
You can explore the average premiums offered by area insurers below.
The below rates in Mcallen, TX, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $56 | $74 |
| Allstate | $80 | $107 |
| Mile Auto | $81 | $109 |
| Progressive | $85 | $112 |
| GEICO | $91 | $119 |
| USAA | $101 | $136 |
| Mercury | $112 | $168 |
| First Acceptance | $118 | $156 |
| The General | $119 | $164 |
| Alinsco | $123 | $163 |
| Freedom National | $125 | $165 |
| Lone Star | $125 | $165 |
| Nationwide | $126 | $170 |
| Dairyland | $128 | $169 |
| GAINSCO | $133 | $171 |
| Clearcover | $134 | $192 |
| Root | $134 | $180 |
| Bristol West | $135 | $178 |
| Mendota | $137 | $181 |
| Covercube | $138 | $183 |
| AssuranceAmerica | $143 | $190 |
| Safeco | $151 | $211 |
| Direct Auto | $152 | $207 |
| Sun Coast | $152 | $201 |
| Loop | $158 | $209 |
| Elephant | $160 | $209 |
| Chubb | $171 | $228 |
| Trexis One | $173 | $229 |
| 21st Century | $197 | $268 |
| Liberty Mutual | $243 | $323 |
Disclaimer: Table data sourced from real-time Mcallen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mcallen 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 $296 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 in Mcallen, TX, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $56 | $79 |
| Allstate | $80 | $113 |
| Mile Auto | $81 | $114 |
| Progressive | $85 | $117 |
| GEICO | $91 | $127 |
| USAA | $101 | $142 |
| Mercury | $112 | $166 |
| First Acceptance | $118 | $162 |
| The General | $119 | $161 |
| Alinsco | $123 | $169 |
| Freedom National | $125 | $172 |
| Lone Star | $125 | $172 |
| Nationwide | $126 | $177 |
| Dairyland | $128 | $180 |
| GAINSCO | $133 | $187 |
| Clearcover | $134 | $188 |
| Root | $134 | $190 |
| Bristol West | $135 | $190 |
| Mendota | $137 | $188 |
| Covercube | $138 | $189 |
| AssuranceAmerica | $143 | $201 |
| Safeco | $151 | $225 |
| Direct Auto | $152 | $214 |
| Sun Coast | $152 | $209 |
| Loop | $158 | $217 |
| Elephant | $160 | $225 |
| Chubb | $171 | $241 |
| Trexis One | $173 | $237 |
| 21st Century | $197 | $265 |
| Liberty Mutual | $243 | $342 |
Disclaimer: Table data sourced from real-time Mcallen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mcallen 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 $184 for full coverage and $113 for liability-only car insurance. The overall average cost of car insurance for seniors in McAllen is $149 per month, but you may be able to reduce your rates by shopping around.
The below rates in Mcallen, TX, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $90 | $44 |
| Allstate | $130 | $65 |
| Progressive | $138 | $73 |
| Mile Auto | $140 | $64 |
| Mercury | $148 | $89 |
| GEICO | $158 | $72 |
| USAA | $165 | $81 |
| Root | $190 | $112 |
| Nationwide | $195 | $96 |
| Safeco | $200 | $131 |
| Direct Auto | $201 | $124 |
| Elephant | $208 | $131 |
| Alinsco | $211 | $105 |
| Clearcover | $212 | $118 |
| Bristol West | $221 | $112 |
| AssuranceAmerica | $223 | $111 |
| GAINSCO | $224 | $113 |
| The General | $235 | $101 |
| Mendota | $237 | $117 |
| First Acceptance | $253 | $101 |
| Loop | $257 | $135 |
| Sun Coast | $259 | $130 |
| Chubb | $260 | $128 |
| Lone Star | $262 | $107 |
| Dairyland | $272 | $108 |
| Covercube | $283 | $118 |
| Freedom National | $288 | $107 |
| Liberty Mutual | $302 | $201 |
| 21st Century | $312 | $154 |
| Trexis One | $313 | $148 |
Disclaimer: Table data sourced from real-time Mcallen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mcallen 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 $345, with full coverage and liability-only policies priced at $426 and $262, 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 in Mcallen, TX, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $232 | $113 |
| Progressive | $318 | $167 |
| Allstate | $331 | $164 |
| Mercury | $356 | $213 |
| GEICO | $377 | $172 |
| Mile Auto | $380 | $173 |
| USAA | $393 | $194 |
| Clearcover | $413 | $230 |
| Root | $414 | $243 |
| Elephant | $471 | $296 |
| Safeco | $484 | $318 |
| Alinsco | $485 | $241 |
| Bristol West | $494 | $250 |
| GAINSCO | $495 | $249 |
| Direct Auto | $498 | $307 |
| The General | $517 | $222 |
| Nationwide | $519 | $256 |
| Mendota | $546 | $269 |
| First Acceptance | $581 | $232 |
| Dairyland | $585 | $232 |
| Loop | $591 | $310 |
| Sun Coast | $595 | $298 |
| Lone Star | $602 | $245 |
| AssuranceAmerica | $613 | $306 |
| Covercube | $652 | $271 |
| Freedom National | $661 | $245 |
| Liberty Mutual | $666 | $444 |
| Trexis One | $720 | $340 |
| Chubb | $739 | $365 |
| 21st Century | $748 | $369 |
Disclaimer: Table data sourced from real-time Mcallen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mcallen 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 $175, 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 | $216 | $99 |
| Arlington | $217 | $125 |
| Austin | $214 | $125 |
| Corpus Christi | $211 | $130 |
| Dallas | $242 | $133 |
| Houston | $276 | $168 |
| El Paso | $190 | $98 |
| San Antonio | $221 | $125 |
| Fort Worth | $212 | $116 |
| Plano | $209 | $209 |
Disclaimer: Table data sourced from real-time Mcallen car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Mcallen 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 $175. If you’re looking for full coverage, you can expect an average monthly rate of $216. Meanwhile, the monthly average for liability coverage is $133.
Who has the cheapest car insurance in McAllen?
The cheapest insurance companies in McAllen are State Farm, Allstate, and Mile Auto. State Farm offers liability coverage for as little as $56 per month. McAllen drivers can also find savings with Allstate and Mile Auto, which have monthly liability averages of $80 and $81, 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 9.2, 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 $163 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 190 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 500+ 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.
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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
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Featured in
A passionate personal finance advocate, Sarah’s writing has graced the pages of many of the personal finance and insurance industries’ top web publications.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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Daniel RoccatoAdvisor
30+ years in financial services
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.