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 $170 per month for car insurance, and the Lone Star State average is $159.

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.

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	$84	$43	Low rates
Allstate	8.9	$119	$61	Families
GEICO	9.2	$147	$70	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	4.0 17,502 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.	$46/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.	$90/mo

Details

Driver Reviews

4.0

Best choice in Mcallen, TXBased on 17,502 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.

Based on analysis 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.

Based on analysis 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 7,455 State Farm reviews

Robert

Verified Review

Best Price and Good Service

Reviewed in Texas on April 27, 2026

Good price, good customer service.

Timothy

Verified Review

One satisfied State Farmer in San Antonio

Reviewed in Texas on April 26, 2026

State Farm provided me with competitive rates, excellent customer service, and even checked on me from time to time. I have no issues.

Steve

Verified Review

Good insurance until...

Reviewed in Texas on April 21, 2026

State Farm was good until I added a new car, and then things got ridiculously priced. I switched, and now my home insurance is about to be switched from State Farm.

Jeri

Verified Review

Progressive vs State Farm

Reviewed in Texas on April 20, 2026

I wish I could have stayed with State Farm; however, finances rule these days, so I had to switch to Progressive. By doing that, I saved over $200/month. So far, I have not had to use Progressive for anything yet.

Edward

Verified Review

Good, but…

Reviewed in Texas on April 17, 2026

Good, but it's getting too expensive, even with no accidents or tickets.

Geralyn

Verified Review

Good customer service

Reviewed in Texas on April 14, 2026

Fair and affordable.

Justina

Verified Review

Average

Reviewed in Texas on April 13, 2026

The cost of insurance keeps going up.

Juan

Verified Review

Recently, almost all vehicle insurance companies are falsely quoting prices for senior citizens. My example: I'm 76 years old, travel less than 16 miles per month, have my truck in a carport, and have been given false quotes of as little as $39 per month. When I call, the least amount I'm quoted is $250. All I need is liability insurance and no home insurance.

Reviewed in Texas on April 12, 2026

Recently, almost all vehicle insurance companies are falsely quoting prices for senior citizens. My example: I'm 76 years old, travel less than 16 miles per month, have my truck in a carport, and have been given false quotes of as little as $39 per month. When I call, the least amount I'm quoted is $250. All I need is liability insurance and no home insurance.

Mark

Verified Review

Average

Reviewed in Texas on April 9, 2026

The cost is too high; it has increased by 300% in 3 years.

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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 10,430 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.	$65/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.	$127/mo

Details

Driver Reviews

3.8

A solid option in Mcallen, TXBased on 10,430 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.

Based on analysis 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.

Based on analysis 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 4,412 Allstate reviews

Bennie

Verified Review

Overpriced!

Reviewed in Texas on April 23, 2026

Price too high for liability coverage on one car.

Phillip

Verified Review

Need to find good insurance

Reviewed in Texas on April 21, 2026

They keep increasing their prices.

Stanley

Verified Review

Allstate Insurance Company

Reviewed in Texas on April 20, 2026

Shop around for the same coverage at a better price.

Bridget

Verified Review

Thankful for an Expeditious Claim

Reviewed in Texas on April 20, 2026

I canceled my Allstate policy due to limited coverage; I should have inquired prior to accepting, but I received excellent customer service from the representative who explained in depth why this was the case. The claim was handled expeditiously and very professionally by Mr. Peterson. Tips for friends: ask questions. My dad was an Allstate customer for many years. Continued success Allstate. Blessings!

Marie

Verified Review

Allstate

Reviewed in Texas on April 14, 2026

I am currently with Allstate and I’m very happy with them.

Mark

Verified Review

High Car Insurance

Reviewed in Texas on April 14, 2026

Prices are too high for how little I drive.

Ronnie

Verified Review

Allstate

Reviewed in Texas on April 9, 2026

A little too pricey.

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!

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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	3.9 17,706 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.	$75/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.	$157/mo

Details

Driver Reviews

3.9

A solid option in Mcallen, TXBased on 17,706 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.

Based on analysis 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.

Based on analysis 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 7,668 GEICO reviews

Jerry

Verified Review

Great service for 10 years

Reviewed in Texas on April 21, 2026

They were great. I just lost a big part of my income, so I had to find cheaper insurance.

Cathy

Verified Review

Excellent

Reviewed in Texas on April 18, 2026

They pay claims very well. That is very important to me.

Juanita

Verified Review

Avoid Geico

Reviewed in Texas on April 12, 2026

Pass on Geico. The website is horrible; it's hard to get in touch with a live person; they raised my rate by $60 on renewal.

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.

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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 $126, 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: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$46
Allstate	$65
Mile Auto	$67
Progressive	$69
GEICO	$75
USAA	$83
Mercury	$93
First Acceptance	$96
The General	$98
Alinsco	$101
Lone Star	$103
Freedom National	$104
Nationwide	$105
Commonwealth Casualty	$106
Dairyland	$107
GAINSCO	$108
Bristol West	$110
Clearcover	$110
Root	$111
Mendota	$113
Covercube	$114
AssuranceAmerica	$117
Sun Coast	$123
Safeco	$124
Direct Auto	$125
National General	$126
Loop	$130
Elephant	$132
Chubb	$141
Trexis One	$145
21st Century	$164
Liberty Mutual	$201

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 $213.

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: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$90
Allstate	$127
Progressive	$130
Mile Auto	$143
Mercury	$148
GEICO	$157
USAA	$160
Root	$180
Safeco	$180
Clearcover	$188
Alinsco	$194
Direct Auto	$194
Elephant	$200
Nationwide	$202
GAINSCO	$205
National General	$206
Bristol West	$210
The General	$217
AssuranceAmerica	$218
Mendota	$220
First Acceptance	$232
Commonwealth Casualty	$232
Loop	$236
Lone Star	$241
Sun Coast	$243
Dairyland	$259
Covercube	$263
Freedom National	$271
Chubb	$273
Liberty Mutual	$287
Trexis One	$296
21st Century	$314

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 $266 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: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$46	$58
Allstate	$65	$85
Mile Auto	$67	$82
Progressive	$69	$86
GEICO	$75	$98
USAA	$83	$107
Mercury	$93	$129
First Acceptance	$96	$120
The General	$98	$131
Alinsco	$101	$126
Lone Star	$103	$129
Freedom National	$104	$130
Nationwide	$105	$136
Commonwealth Casualty	$106	$125
Dairyland	$107	$133
GAINSCO	$108	$129
Bristol West	$110	$139
Clearcover	$110	$140
Root	$111	$148
Mendota	$113	$141
Covercube	$114	$143
AssuranceAmerica	$117	$149
Sun Coast	$123	$154
Safeco	$124	$163
Direct Auto	$125	$157
National General	$126	$157
Loop	$130	$163
Elephant	$132	$158
Chubb	$141	$179
Trexis One	$145	$181
21st Century	$164	$216
Liberty Mutual	$201	$255

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 $282 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: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$46	$61
Allstate	$65	$87
Mile Auto	$67	$91
Progressive	$69	$91
GEICO	$75	$99
USAA	$83	$112
Mercury	$93	$139
First Acceptance	$96	$127
The General	$98	$135
Alinsco	$101	$134
Lone Star	$103	$136
Freedom National	$104	$138
Nationwide	$105	$142
Commonwealth Casualty	$106	$140
Dairyland	$107	$142
GAINSCO	$108	$139
Bristol West	$110	$145
Clearcover	$110	$158
Root	$111	$149
Mendota	$113	$150
Covercube	$114	$151
AssuranceAmerica	$117	$156
Sun Coast	$123	$163
Safeco	$124	$173
Direct Auto	$125	$171
National General	$126	$168
Loop	$130	$172
Elephant	$132	$173
Chubb	$141	$188
Trexis One	$145	$192
21st Century	$164	$224
Liberty Mutual	$201	$267

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 $292 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: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$46	$65
Allstate	$65	$91
Mile Auto	$67	$94
Progressive	$69	$95
GEICO	$75	$105
USAA	$83	$117
Mercury	$93	$138
First Acceptance	$96	$132
The General	$98	$133
Alinsco	$101	$139
Lone Star	$103	$141
Freedom National	$104	$143
Nationwide	$105	$147
Commonwealth Casualty	$106	$144
Dairyland	$107	$150
GAINSCO	$108	$152
Bristol West	$110	$155
Clearcover	$110	$155
Root	$111	$157
Mendota	$113	$155
Covercube	$114	$156
AssuranceAmerica	$117	$164
Sun Coast	$123	$169
Safeco	$124	$185
Direct Auto	$125	$176
National General	$126	$177
Loop	$130	$178
Elephant	$132	$185
Chubb	$141	$198
Trexis One	$145	$199
21st Century	$164	$221
Liberty Mutual	$201	$282

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 $181 for full coverage and $107 for liability-only car insurance. The overall average cost of car insurance for seniors in McAllen is $145 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: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$70	$36
Allstate	$102	$52
Progressive	$111	$59
Mile Auto	$112	$52
Mercury	$117	$73
GEICO	$124	$59
USAA	$129	$67
Root	$149	$92
Nationwide	$153	$80
Safeco	$156	$108
Direct Auto	$158	$102
National General	$161	$98
Elephant	$163	$107
Alinsco	$165	$86
Clearcover	$166	$97
AssuranceAmerica	$170	$91
Bristol West	$174	$91
GAINSCO	$174	$92
The General	$184	$83
Commonwealth Casualty	$185	$85
Mendota	$187	$96
First Acceptance	$197	$82
Loop	$201	$111
Chubb	$205	$106
Lone Star	$205	$88
Sun Coast	$207	$105
Dairyland	$218	$90
Covercube	$224	$97
Freedom National	$231	$89
Liberty Mutual	$237	$166
21st Century	$245	$128
Trexis One	$252	$123

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 $333, with full coverage and liability-only policies priced at $417 and $247, 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: Tuesday, April 28 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$181	$93
Progressive	$255	$135
Allstate	$261	$133
Mercury	$282	$177
GEICO	$295	$141
Mile Auto	$305	$143
USAA	$308	$160
Clearcover	$322	$189
Root	$326	$201
Elephant	$370	$244
Safeco	$378	$261
Alinsco	$380	$198
GAINSCO	$382	$201
Bristol West	$388	$203
Direct Auto	$391	$252
The General	$405	$183
Nationwide	$409	$213
National General	$427	$261
Mendota	$431	$221
Commonwealth Casualty	$451	$206
First Acceptance	$455	$188
Loop	$462	$255
AssuranceAmerica	$466	$250
Dairyland	$470	$194
Lone Star	$472	$202
Sun Coast	$476	$241
Covercube	$515	$223
Liberty Mutual	$524	$367
Freedom National	$531	$204
Trexis One	$580	$284
Chubb	$582	$301
21st Century	$588	$307

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.

Is car insurance more expensive in McAllen?

The average cost of car insurance in McAllen is $170, 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	$211	$93
Arlington	$213	$118
Austin	$210	$119
Corpus Christi	$207	$122
Dallas	$235	$125
Houston	$270	$157
El Paso	$186	$92
San Antonio	$216	$118
Fort Worth	$207	$110
Plano	$204	$204

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