Cheapest Auto Insurance in McAllen, Texas (2026)

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 $177 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 Mile Auto, 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.

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	$101	$58	Low rates
Allstate	8.9	$143	$81	Families
GEICO	9.2	$181	$95	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.

• How Insurify rates insurance companies

  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

low rates

Compare Quotes

User Reviews	4.1 7,109 reviews
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.	$63/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.	$109/mo

Hide Details

Driver Reviews

4.1

Best choice in Mcallen, TXBased on 15,424 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 7,109 State Farm reviews

Troy

Verified Review

Too High

Reviewed in Texas on February 24, 2026

State Farm is not good; they increased my rates for no reason.

Robert

Verified Review

My review

Reviewed in Texas on February 24, 2026

No problems with Joe Palermo's office.

Harry

Verified Review

Got to shop around once in a while.

Reviewed in Texas on February 23, 2026

I had State Farm for over 20 years, but I decided to shop around for price and ended up going with Farmers. I paid no attention to non-brand name companies, regardless of price.

Previous

1234…25

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

families

Compare Quotes

User Reviews	3.8 4,239 reviews
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.	$87/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.	$153/mo

Show Details

Driver Reviews

3.8

A solid option in Mcallen, TXBased on 9,212 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 4,239 Allstate reviews

Donald

Verified Review

Allstate reps are customer caring and honest.

Reviewed in Texas on February 24, 2026

Consider Allstate coverage as a good deal.

Constance

Verified Review

Taking Full Advantage of a Loyal Customer

Reviewed in Texas on February 21, 2026

My current insurer is Allstate. I had an unfortunate year in 2024. A dog ran in front of us and did major damage to our front end. A few short weeks later, an 18-wheeler blew a rear dual tire that hit our Jeep and caused us to spin and slam into a guardrail. Neither accident was our fault nor could they be avoided. The consequence was that our premiums have almost tripled and continue to rise. They know it will be difficult for us to change policies. Our credit rating is not exceptional due to a limited income and the huge rise in premiums and other bills. As soon as I can change insurance carriers, I will. No customer loyalty. I had never missed a premium.

Carlos

Verified Review

Price Increases

Reviewed in Texas on February 19, 2026

They are nice people, but they are terrible when it comes to helping out with costs. Every 6 months, the price increases and they never have a reason. All they say is, "Well, everything is going up." One time they said, "Just like eggs and milk, prices keep going up."

Previous

1234…25

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

A.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

Multi-language speakers

Compare Quotes

User Reviews	4.0 7,372 reviews
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.	$103/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.	$194/mo

Show Details

Driver Reviews

4.0

Best choice in Mcallen, TXBased on 15,685 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 7,372 GEICO reviews

Joann

Verified Review

The Policy That Goes Up

Reviewed in Texas on February 24, 2026

I was drawn in with a low rate, then they increased it on me in 3 months.

Miguel

Verified Review

Fairness

Reviewed in Texas on February 24, 2026

They are good overall, but too expensive for my budget!

Garry

Verified Review

So disappointed

Reviewed in Texas on February 24, 2026

After being with Geico for five years with no claims or accidents, they almost doubled our rates. They are about the money, not the customers.

Previous

1234…25

Next

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.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.

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 $137, 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: Wednesday, February 25 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$63
Mile Auto	$80
Progressive	$86
Allstate	$87
GEICO	$103
USAA	$111
Mercury	$121
Dairyland	$131
Root	$131
The General	$133
Commonwealth Casualty	$133
Bristol West	$135
GAINSCO	$138
Nationwide	$139
AssuranceAmerica	$145
Clearcover	$146
Sun Coast	$149
Safeco	$153
Direct Auto	$158
National General	$158
Elephant	$162
Chubb	$189
21st Century	$218
Liberty Mutual	$284

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 $217.

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: Wednesday, February 25 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
State Farm	$109
Progressive	$148
Allstate	$153
Mile Auto	$168
Mercury	$185
USAA	$194
GEICO	$194
Root	$226
Safeco	$232
Clearcover	$239
Direct Auto	$242
Nationwide	$244
Elephant	$256
The General	$259
Bristol West	$270
National General	$270
GAINSCO	$277
Sun Coast	$283
AssuranceAmerica	$298
Commonwealth Casualty	$312
Chubb	$330
Liberty Mutual	$367
Dairyland	$373
21st Century	$381

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.

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: Wednesday, February 25 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$63	$80
Mile Auto	$80	$97
Progressive	$86	$107
Allstate	$87	$113
GEICO	$103	$134
USAA	$111	$143
Mercury	$121	$168
Dairyland	$131	$162
Root	$131	$174
The General	$133	$177
Commonwealth Casualty	$133	$156
Bristol West	$135	$169
GAINSCO	$138	$164
Nationwide	$139	$180
AssuranceAmerica	$145	$184
Clearcover	$146	$188
Sun Coast	$149	$185
Safeco	$153	$201
Direct Auto	$158	$197
National General	$158	$196
Elephant	$162	$193
Chubb	$189	$239
21st Century	$218	$286
Liberty Mutual	$284	$360

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 $285 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: Wednesday, February 25 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$63	$83
Mile Auto	$80	$108
Progressive	$86	$113
Allstate	$87	$116
GEICO	$103	$133
USAA	$111	$148
Mercury	$121	$182
Dairyland	$131	$172
Root	$131	$174
The General	$133	$183
Commonwealth Casualty	$133	$175
Bristol West	$135	$177
GAINSCO	$138	$176
Nationwide	$139	$186
AssuranceAmerica	$145	$192
Clearcover	$146	$212
Sun Coast	$149	$196
Safeco	$153	$213
Direct Auto	$158	$215
National General	$158	$209
Elephant	$162	$211
Chubb	$189	$250
21st Century	$218	$295
Liberty Mutual	$284	$377

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 $298 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: Wednesday, February 25 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$63	$89
Mile Auto	$80	$114
Progressive	$86	$118
Allstate	$87	$124
GEICO	$103	$146
USAA	$111	$158
Mercury	$121	$180
Dairyland	$131	$186
Root	$131	$188
The General	$133	$189
Commonwealth Casualty	$133	$189
Bristol West	$135	$192
GAINSCO	$138	$196
Nationwide	$139	$197
AssuranceAmerica	$145	$206
Clearcover	$146	$207
Sun Coast	$149	$205
Safeco	$153	$233
Direct Auto	$158	$224
National General	$158	$224
Elephant	$162	$230
Chubb	$189	$268
21st Century	$218	$292
Liberty Mutual	$284	$403

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 $116 for liability-only car insurance. The overall average cost of car insurance for seniors in McAllen is $150 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: Wednesday, February 25 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
State Farm	$85	$49
Allstate	$123	$70
Progressive	$126	$73
Mile Auto	$131	$62
Mercury	$147	$96
GEICO	$153	$81
USAA	$156	$89
Nationwide	$185	$105
Root	$188	$109
Direct Auto	$193	$126
Safeco	$201	$133
Clearcover	$208	$127
Elephant	$210	$133
National General	$210	$123
The General	$216	$111
Bristol West	$223	$111
AssuranceAmerica	$231	$112
GAINSCO	$233	$116
Sun Coast	$240	$127
Chubb	$247	$142
Commonwealth Casualty	$249	$106
21st Century	$297	$170
Liberty Mutual	$304	$235
Dairyland	$315	$110

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 $349, with full coverage and liability-only policies priced at $428 and $270, 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: Wednesday, February 25 at 11:00 AM PST. 

Insurance Company	Full Coverage	Liability Only
State Farm	$220	$127
Progressive	$292	$170
Allstate	$315	$179
Mercury	$357	$233
Mile Auto	$359	$171
GEICO	$362	$192
USAA	$374	$214
Root	$408	$237
Clearcover	$411	$251
Elephant	$471	$298
The General	$474	$244
Safeco	$486	$321
Direct Auto	$486	$317
Nationwide	$496	$283
Bristol West	$503	$252
GAINSCO	$529	$263
Sun Coast	$558	$294
National General	$568	$332
Commonwealth Casualty	$604	$258
AssuranceAmerica	$642	$312
Dairyland	$661	$232
Liberty Mutual	$675	$523
Chubb	$709	$406
21st Century	$717	$410

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.

Find Car Insurance in McAllen, TX

Check quotes from 120+ top insurance companies

Enter your ZIP codeView My Quotes

Excellent

4.7 out of 5 based on 12,168 reviews

Secure. Free. Easy-to-use.

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.

Is car insurance more expensive in McAllen?

The average cost of car insurance in McAllen is $177, 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	$207	$103
Arlington	$215	$128
Austin	$209	$128
Corpus Christi	$201	$132
Dallas	$238	$135
Houston	$270	$170
El Paso	$191	$103
San Antonio	$218	$128
Fort Worth	$210	$119
Plano	$206	$206

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