Cheapest Auto Insurance in McAllen, Texas (2024)

State Farm offers the cheapest car insurance in McAllen, with minimum-coverage policies as low as $36 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
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.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 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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Updated April 17, 2024

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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 $172 per month for car insurance, and the Lone Star State average is $184.

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. However, just because McAllen's rates are lower than the average, that doesn’t mean you can’t pay a little, or even a lot, less.

Some insurance companies, like State Farm and GEICO, consistently offer below-average rates to qualified drivers. In other cases, you might be able to reduce your rates based on the choices you make and by comparing quotes from multiple companies. Here’s how.

Quick Facts
  • State Farm, GEICO, and Allstate offer the cheapest car insurance for McAllen drivers.

  • The average cost of a full-coverage car insurance policy in McAllen is $233 per month, while liability-only policies average $112 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, 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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
State Farm4.5$64$38Low rates
Allstate4.2$90$54Families
GEICO4.2$69$42Multi-language speakers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for low rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$36/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo

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

Read our State Farm review
Hephzibah - April 16, 2024
Verified

Looking for Good Service and Prices

Not good. The quotes changed and they were difficult to deal with.

Jane - April 16, 2024
Verified

Good Deals

They are friendly and offer good pricing.

Roger - April 16, 2024
Verified

Excellent

Very good agent.

Best insurer for families: Allstate

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$50/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.
$84/mo

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

Read our Allstate review
Wayne - April 16, 2024
Verified

Good

Find a company cheaper than All-State.

Michael - April 16, 2024
Verified

Poor Customer Service and Website

The customer service is poor. The website is also poor.

Roderick - April 16, 2024
Verified

Searching for a Good Agent

It started out great, but since my agent retired, I don't feel welcome anymore.

Best insurer for multi-language speakers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$39/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$65/mo

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

Read our GEICO review
Arturo - April 17, 2024
Verified

Average

I need cheaper coverage. It's too much for two cars.

Eminny - April 17, 2024
Verified

Inconsistent Communication and Service

This is my second time with GEICO. The first time was fine, but this time around, they set my policy to be cancelled on a Monday. They claimed to have sent me a letter the previous Friday requesting documents that I never received. I called them multiple times about it, and each time I received a different reason and excuse. Despite sending them everything they needed, my policy remains cancelled. Without insurance, my car just sits there, and since it's financed, I might even end up losing it. I'm just waiting for them to review my documents and reactivate my policy. They said they would reach out to me if they needed anything else or to at least let me know the verdict, which they never did. I have to keep calling them myself, only to receive different excuses each time and no policy reactivation. They never reach out when they say they will, and other insurance options are very expensive for me as a fairly new driver.

Andy - April 15, 2024
Verified

Unexpected Rate Increase

I had an accident and they raised my rates to over $8,000 a year. I initially thought I was making normal upfront payments, but it turned out to be monthly payments.

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.

  • Stick with minimum coverage. Although minimum coverage doesn’t offer robust financial protection, it’s usually the cheapest option. If you’re comfortable with liability-only coverage, you might find cheaper insurance premiums.

Guide to Car Insurance Discounts (2024)

Guide to Car Insurance Discounts (2024)

Cheapest liability-only car insurance in McAllen: State Farm

Liability car insurance is designed to cover the cost of the damages you cause to others during an accident that was your fault. For example, this type of insurance policy might pay to repair the other driver’s vehicle or cover their medical bills.

In general, a liability-only policy is the cheapest option because the insurance company won’t help you repair or replace your own vehicle.

The average rate for liability coverage in McAllen is $112, and you can see a collection of average monthly quotes from area insurers below.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm36
GEICO39
Allstate50
Hugo50
Mile Auto50
USAA65
Safeco75
Nationwide85
Mercury88
Midvale Home & Auto91
Progressive91
Dairyland97
Clearcover99
Chubb109
National General113
Liberty Mutual117
Elephant119
Commonwealth Casualty122
Direct Auto124
21st Century126
The General137
GAINSCO139
Bristol West152
State Auto164
AssuranceAmerica170
Infinity177
Foremost202
Hallmark213
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in McAllen: State Farm

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, your lender might 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 $233.

Below is a look at some of the average full-coverage quotes available in McAllen from leading insurers.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm60
GEICO65
Allstate84
Mile Auto99
USAA107
Clearcover131
Hugo135
Mercury139
Travelers150
Nationwide152
Progressive161
Midvale Home & Auto162
Safeco162
Chubb181
Elephant194
21st Century209
AssuranceAmerica221
Liberty Mutual239
Direct Auto245
Dairyland246
National General250
Infinity270
The General278
Bristol West288
State Auto300
GAINSCO302
Commonwealth Casualty314
Foremost406
Hallmark423
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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:

CoverageMinimum Requirements
Bodily injury liability$30,000 per person / $60,000 per accident
Property damage liability$25,000 per accident4

However, while the coverage above meets the minimum requirements, you may wish to enhance your protection with the following options:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision coverage is designed to help you pay for repairs to your own vehicle after an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If something other than a collision damages your vehicle, like a hailstorm or vandalism, comprehensive coverage will help you pay for repairs.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Personal injury protection (PIP) coverage

    This pays for medical bills, lost income, and a few other things if you or your passengers are injured in an accident. All Texas auto policies include this coverage by default. If you don’t want it, you have to opt out in writing.

Cheapest car insurance for drivers with an incident

Everyone makes mistakes. But if you’re caught making a mistake behind the wheel, that can turn into an incident on your driving record. Common incidents include speeding tickets, driving under the influence (DUIs), and at-fault accidents.

In the sections that follow, you’ll see how different incident types affect your car insurance rates.

Cheapest car insurance for drivers with a speeding ticket: State Farm

The average commute time in McAllen is just over 20 minutes.[2] But it can still be tempting to speed across town. In fact, speeding drivers caused more than 1,000 accidents in McAllen in 2022.[3] If you get caught speeding, that often leads to higher car insurance premiums.

The average cost of full-coverage insurance for drivers with a speeding ticket is $331 per month, but you can explore some potentially lower quotes from the insurers below.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm3645
GEICO3950
Allstate5064
Hugo5071
Mile Auto5071
USAA6583
Safeco75104
Nationwide85110
Mercury88130
Progressive91122
Dairyland97129
Clearcover99137
Chubb109142
National General113146
Liberty Mutual117162
Elephant119154
Commonwealth Casualty122152
Direct Auto124164
21st Century126168
The General137182
GAINSCO139174
Bristol West152199
AssuranceAmerica170233
Infinity177234
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

Insurance companies see an at-fault accident as an indicator of potential future risky behavior. This often leads to more expensive insurance premiums after the accident. The average cost of full-coverage insurance for drivers with an at-fault accident on their record is $352 per month.

You can explore the average premiums offered by area insurers below.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm3649
GEICO3954
Allstate5069
Hugo5069
Mile Auto5076
USAA6589
Safeco75112
Nationwide85118
Mercury88138
Progressive91129
Dairyland97136
Clearcover99161
Chubb109151
National General113158
Liberty Mutual117172
Elephant119165
Commonwealth Casualty122169
Direct Auto124176
21st Century126178
The General137194
GAINSCO139188
Bristol West152208
AssuranceAmerica170243
Infinity177233
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

In 2022, McAllen saw a total of 86 crashes where the driver was intoxicated.[3] Insurers see a DUI on your record as a very serious incident and will often raise your rates dramatically. Some insurers may drop you altogether.

The average monthly cost for full coverage with a DUI on your record is $399 per month in McAllen.

Below is a collection of insurers that will provide coverage to drivers with a DUI on their record.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm3659
GEICO3964
Allstate5082
Hugo5075
Mile Auto5085
USAA65106
Safeco75122
Nationwide85139
Mercury88147
Progressive91148
Dairyland97158
Clearcover99161
Chubb109178
National General113184
Liberty Mutual117191
Elephant119194
Commonwealth Casualty122179
Direct Auto124202
21st Century126205
The General137223
GAINSCO139227
Bristol West152248
AssuranceAmerica170277
Infinity177289
Foremost202329
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Most insurance companies look at your age when determining premiums. And generally, the more experience you have behind the wheel, the more affordable your car insurance costs.

After paying high rates in their teens, drivers usually see those rates decline in their 30s, and this downward trend lasts for decades. However, around age 75, car insurance costs usually start to increase again. This is because drivers of this age and older generally have reduced faculties and are more likely to be seriously injured if they’re in an accident.

Senior drivers in McAllen pay a monthly average of $166 for full coverage and $80 for liability-only car insurance. The overall average cost of car insurance for seniors in McAllen is $123 per month, but you may be able to reduce your rates by shopping around.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm4326
GEICO4829
Allstate6338
Mile Auto7136
USAA8048
Mercury10667
Nationwide10659
Progressive10861
Clearcover11487
Chubb12374
Safeco12960
Elephant14287
21st Century14788
AssuranceAmerica152117
Direct Auto17689
Liberty Mutual18390
Dairyland18573
National General18985
The General212104
Bristol West215114
Commonwealth Casualty23190
GAINSCO232107
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Teen drivers are the newest on the road and have the least amount of experience behind the wheel. In general, this lack of experience tends to come with higher car insurance premiums. For example, teens in McAllen pay an average monthly premium of $293, with full coverage and liability-only policies priced at $397 and $191, respectively.

The good news is that young drivers can take action to lower their car insurance costs. Some ways to find more affordable rates as a teen driver include increasing your deductible, staying on your parents’ policy, getting good grades, and committing to safe driving habits.

The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
GEICO10060
State Farm10160
Allstate14586
USAA173105
Mile Auto18795
Clearcover230173
Hugo23989
Mercury250158
Nationwide255143
Progressive284160
Safeco284131
Elephant314193
Chubb329198
21st Century342206
Dairyland391154
Liberty Mutual395193
AssuranceAmerica417321
The General436215
Direct Auto439222
Infinity445291
National General466211
Bristol West469248
GAINSCO531244
Commonwealth Casualty539210
Foremost711354
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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McAllen car insurance quotes by credit tier

Insurance companies in Texas are allowed to consider your credit when determining your premiums. However, they can’t charge you more if your credit score was hurt by a major illness; the death of a spouse, child, or parent; a temporary job loss; a recent divorce; or identity theft.[4]

Beyond those events, your credit score can come into play. In general, drivers with excellent or good credit scores pay less for car insurance than drivers with poor credit scores.

Below is a breakdown of average car insurance quotes based on credit score.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in McAllen?

The average cost of car insurance in McAllen is $172, 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.

CityFull CoverageLiability Only
Amarillo$242$105
Arlington$247$125
Austin$235$129
Corpus Christi$230$122
Dallas$279$138
Houston$315$170
El Paso$220$92
San Antonio$244$125
Fort Worth$242$123
Plano$244$244
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

McAllen car insurance FAQs

If you’re interested in learning more about how you can lower your car insurance rates in McAllen, the following answers can help.

  • How much is car insurance in McAllen, Texas?

    The average monthly rate for car insurance in McAllen is $172. If you’re looking for full coverage, you can expect an average monthly rate of $233. Meanwhile, the monthly average for liability coverage is $112.

  • Who has the cheapest car insurance in McAllen?

    The cheapest insurance companies in McAllen are State Farm, GEICO, and Allstate. State Farm offers liability coverage for as little as $36 per month. McAllen drivers can also find savings with GEICO and Allstate, which have monthly liability averages of $39 and $50, 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 4.5, 4.2, and 4.2, 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 $184 per month. The rate you pay may be higher or lower depending on where you live in Texas. But on the whole, rates in the Lone Star State fall at or below the national average.

  • What’s the minimum car insurance in Texas?

    To drive legally in Texas, you must have insurance coverage that meets the state’s 30/60/25 minimum requirements. This means you must carry bodily injury liability coverage of $30,000 per person and $60,000 per accident, as well as property damage liability coverage of $25,000 per accident.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. Texas Department of Transportation. "Crashes and Injuries, Cities and Towns."
  2. Census.gov. "Quick Facts: McAllen, Texas."
  3. Texas Department of Transportation. "Crash Records Information System."
  4. Texas Department of Insurance. "How your credit score can affect your insurance rates."
Sarah Sharkey
Sarah SharkeyInsurance Writer

Sarah Sharkey is a personal finance writer who enjoys helping people make savvy financial decisions. She covered insurance and personal finance topics. You can find her work on Business Insider, Money Under 30, Rocket Mortgage, Bankrate, and more. Connect with her on LinkedIn.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 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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