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Cheap Auto Insurance Quotes in Mcallen, TX (September 2022)

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Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka

Updated September 15, 2022

Car Insurance in Mcallen, TX

Auto insurance policies and rates vary within Texas based on a number of factors, including the location within the state. Costs increase or decrease depending on driving and credit history, the level of insurance coverage an individual is looking for, and the insurance provider chosen. Insurify is a useful tool to find high-quality, cheap car insurance to match your exact needs.

Quick Facts

  • The average cost of car insurance in Mcallen is $269 per month, or $3228 annually.

  • Car insurance in Mcallen is $54 more than the average cost of car insurance in Texas.

  • The cheapest car insurance provider in Mcallen on average is Mile Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Mile Auto
$134
Apparent
$138
Progressive
$145
Elephant
$147
Direct Auto
$160

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Cheapest Car Insurance in Mcallen, TX

In addition to a person’s past driving record, marital status, credit history, and individualized car insurance needs impacting insurance prices, Texas rates also vary from city to city. McAllen has plenty of affordable insurance providers to choose from, so Insurify compiled a comprehensive list of the top companies’ average insurance rates, ranging from $134 to $471 a month.

Insurance Provider in McallenQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Mile Auto$134 /mo
Apparent$138 /mo
Progressive$145 /mo
Elephant$147 /mo
Direct Auto$160 /mo

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Best Car Insurance in Mcallen, TX

Insurify understands that McAllen drivers have plenty of insurance providers to choose from. To help make those decisions easier, the chart below shows the best car insurance companies in McAllen, determined by costs and our thorough Insurify Composite Score calculation. The insurance company’s quality, reliability, customer satisfaction, and reviews determine their ICS.

Best CompaniesScoreQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Clearcover97$161 /mo
Nationwide89$387 /mo
Safeco86$209 /mo
Liberty Mutual82$266 /mo
Mercury81$234 /mo

See More: Best Car Insurance Companies

Average Car Insurance Cost

Texas Cities
Houston$222/mo
San Antonio$225/mo
Dallas$258/mo
Austin$203/mo
Mcallen$251/mo
Texas$232/mo
Austin
$203
Houston
$222
San Antonio
$225
Average for TX
$232
Mcallen
$251
Dallas
$258

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Texas

All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Texas[1] are:

  • $30,000 per person for bodily injury

  • $60,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Texas is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Mcallen Car Insurance Rates by Driver Age

Better car insurance rates come with driving experience. For younger drivers, especially teens and those under 25, car insurance policies cost more than for older drivers with more time spent driving. Costs typically decrease as age increases, but when drivers reach their 60s, prices begin to rise again. Below is a chart with the average rates in Texas for drivers of all ages.

Driver's AgeAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Teens$465
Under 25$433
20s$284
30s$198
40s$176
50s$155
60s$154
70s$173
80+$188

Mcallen Car Insurance Rates by Driving and Accident History

Insurance premiums fluctuate based on driving records and accident history. Speeding tickets, at-fault accidents, failures to stop, and DUIs all increase auto insurance rates. Drivers with clean records, meaning no accident history or other violations, benefit from cheaper rates. Find the average rates in McAllen for different driving histories  below.

Driving HistoryAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$259
Speeding Ticket$307
At-Fault Accident$336
Failure to Stop$219
DUI$261

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Mcallen Car Insurance Rates by Credit Tier

Similar to homeowners or renters insurance, car insurance rates vary by credit score and history. Insurance providers view an individual’s credit history as an indication of payment reliability. Drivers with excellent credit receive cheap car insurance, and those with average or poor credit pay more. The chart below shows how the different credit tiers fare in McAllen.

Credit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$253
Good$267
Average$261
Poor$246

See More: Bad Credit Car Insurance Texas

McAllen DMV Information

The Texas Department of Motor Vehicles office closest to McAllen is the Pharr Regional Service Center. Services provided by this center include replacement titles, bonded title rejection letters, investigating and resolving Texas title errors, vehicle transfer notifications, and title history inquiries.

Services dealing with driver’s licenses, identification cards, commercial driver’s licenses, suspensions, and reinstatements can be completed at the Texas Department of Public Safety office located in McAllen. Some services are also available for individuals online through the official Texas government websites connected to the DMV and the DPS.

Public Transportation in McAllen

The McAllen Transit Department runs the city’s International Transit Terminal Facility and the McAllen Express Transit (MET) operations within the city. Currently, there are seven bus routes offered in the city through Metro McAllen, as well as a shared-ride service app called Micro McAllen and an accessible paratransit bus service for some eligible disabled individuals.

How to Get the Cheapest Car Insurance in McAllen

Some things in life are just necessary, like car and home insurance. Insurify understands that paying for car insurance may feel overwhelming financially, especially if you don’t have any help. That’s why we provide free quotes from the best car insurance providers in your area and break costs down based on other factors like driving records, credit history, age, and coverage.

Using Insurify as a tool, you will be able to compare quotes without having to do extra research. Once you choose an insurance provider, all you have to decide is the type of coverage you need, be it liability insurance (including property damage and bodily injury liability), comprehensive coverage, or the minimum coverage required in the state of Texas.

FAQs - Mcallen, TX Car Insurance

  • It’s simple! Use Insurify to help you discover the cheapest rates for the type of coverage that’s right for you. We provide you with average car insurance rates from the best companies in McAllen, accounting for factors like driving history, age, and credit history. The good news is you can’t really go wrong with the provided options, so all you have to do is decide.

  • Like anywhere else, auto insurance costs in McAllen depend on the insurance provider, types of coverage, driving records, accident history, credit history, and age. The current cheapest rates Insurify has found for McAllen drivers range from $134 to $471 a month. You can see even more detailed rates elsewhere on this page that consider various factors.

  • Motor vehicle violations will increase insurance rates in McAllen, including accidents, speeding tickets, DUIs, and failures to stop. Driver age, credit history, and coverage levels determine costs as well. A 25-year-old, for example, will pay more than a 50-year-old for the same coverage, and policies like comprehensive or liability coverage will determine premiums.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. Texas Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022