120+ more*Quotes generated for Insurify users in and around Mcallen, Texas within the last 10 days. Last updated on July 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Mcallen, Texas within the last 10 days. Last updated on July 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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7+ years in personal finance writing
Small business blogger
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
On average, McAllen drivers pay $131 for liability auto insurance coverage and $228 for full-coverage policies. That’s a little higher than average for Texas.
Car insurance in Texas is especially high near the Gulf because of storm risk. But rates still vary by municipality. For example, dense traffic and high rates of theft in Houston make for much higher auto insurance premiums than in McAllen.
Meanwhile, in nearby Harlingen, which is half the size of McAllen and has shorter commute times, insurance rates are well below the Texas state average.[1]
Liability-only car insurance rates in McAllen are slightly higher than the state average, according to Insurify data. State Farm offers the cheapest liability coverage in the state, but the cheapest insurer for you will depend on your unique circumstances. That’s why it’s important to compare quotes from several insurers to get the best coverage at the best price.
The minimum liability requirements in Texas are $30,000 in bodily injury liability coverage per person and $60,000 per accident, along with $25,000 for property damage.[2]
The table below shows the best car insurance companies in McAllen for a cheap Texas liability-only policy.
Insurance Company  | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $49 |
| Allstate | $71 |
| Mile Auto | $73 |
| Progressive | $73 |
| GEICO | $80 |
| USAA | $89 |
| Mercury | $98 |
| First Acceptance | $99 |
| The General | $103 |
| Alinsco | $104 |
| Lone Star | $107 |
| Commonwealth Casualty | $111 |
| GAINSCO | $111 |
| Bristol West | $115 |
| Clearcover | $115 |
| Covercube | $115 |
| Root | $115 |
| Dairyland | $117 |
| AssuranceAmerica | $121 |
| Mendota | $121 |
| Excepsure | $126 |
| Sun Coast | $126 |
| Direct Auto | $129 |
| Safeco | $129 |
| National General | $133 |
| Loop | $136 |
| Elephant | $137 |
| Chubb | $150 |
| Trexis One | $156 |
| 21st Century | $173 |
| Insurify Car | $174 |
| Hugo | $182 |
| Liberty Mutual | $211 |
Pay your first week’s premium and get immediate proof of insurance
Full coverage in McAllen costs an average of $228 per month, which is a bit more than the Texas average of $205 per month.
Still, every McAllen car owner should consider buying full coverage. During the catastrophic flooding that occurred in McAllen in March 2025, more than 1,000 vehicles sustained serious damage, according to the National Weather Service.[3]
Full-coverage auto insurance, which includes comprehensive coverage, can protect you in disasters like this.
Here you can see the insurance companies that offer McAllen drivers the cheapest full-coverage Texas auto insurance.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| State Farm | $97 |
| Progressive | $136 |
| Allstate | $137 |
| Mercury | $157 |
| Mile Auto | $161 |
| GEICO | $167 |
| USAA | $173 |
| Root | $191 |
| Safeco | $193 |
| Clearcover | $201 |
| Alinsco | $204 |
| Direct Auto | $204 |
| GAINSCO | $210 |
| Elephant | $212 |
| National General | $220 |
| Bristol West | $221 |
| AssuranceAmerica | $222 |
| The General | $229 |
| Mendota | $236 |
| Commonwealth Casualty | $240 |
| First Acceptance | $243 |
| Loop | $251 |
| Lone Star | $252 |
| Sun Coast | $253 |
| Covercube | $265 |
| Dairyland | $275 |
| Chubb | $295 |
| Liberty Mutual | $308 |
| Trexis One | $325 |
| 21st Century | $341 |
Houston is the most expensive city in Texas to buy car insurance. This is due, in part, to its dense traffic, high theft rates, and severe disaster risk. McAllen’s rates are closer to the state average.
Public officials have taken action to reduce auto thefts in McAllen. But auto theft rates aren’t the primary driver of high car insurance rates. Take Dallas, for example: Its theft rates are astronomically higher than McAllen’s, but premiums in the two cities are comparable. This is, in part, because Dallas faces less severe weather risk.
The same is true for Laredo. Further from the Gulf, Laredo is substantially larger than McAllen, but it has lower average auto insurance rates.
Here you can see the average car insurance rates for various cities across the state of Texas.
City | Average Monthly Quote |
|---|---|
| Abilene | $138 |
| Amarillo | $158 |
| Arlington | $171 |
| Austin | $171 |
| Beaumont | $180 |
| Brownsville | $167 |
| Corpus Christi | $172 |
| Dallas | $187 |
| Denton | $160 |
| El Paso | $145 |
| Fort Worth | $163 |
| Galveston | $174 |
| Garland | $187 |
| Grand Prairie | $176 |
| Houston | $222 |
| Huntsville | $158 |
| Irving | $175 |
| Killeen | $154 |
| Laredo | $159 |
| Lubbock | $154 |
| McAllen | $180 |
| Mesquite | $188 |
| Midland | $151 |
| Odessa | $169 |
| Plano | $166 |
| San Antonio | $173 |
| San Marcos | $158 |
McAllen auto insurance premiums are higher than the average cost of car insurance in Texas. This may be in part due to the heavy trucking traffic that runs through the McAllen-Reynosa border crossing on a daily basis.
The city of McAllen has also adopted a citywide plan to reduce traffic fatalities and injuries, citing crash rates as an important problem.[4]
In addition, McAllen faces a higher risk of weather-related disasters. The National Weather Service warns South Texas residents of risks of hurricanes, storm surge, flooding, and tornadoes. Getting homeowners insurance for these risks and bundling with your auto policy can help you secure the best rates possible.
*Quotes generated for Insurify users in and around Mcallen, Texas within the last 10 days. Last updated on July 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Mcallen, Texas within the last 10 days. Last updated on July 2, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Auto insurance companies examine your driving history before offering you a quote, because they see drivers with prior accidents or citations for speeding or driving under the influence as more likely to file claims.
The following companies offer the best car insurance prices for drivers in McAllen with specific driving records:
Cheapest car insurance for McAllen drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in McAllen: State Farm
Cheapest car insurance for McAllen drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in McAllen: State Farm
Between 2018 and 2023, more than 38,000 drivers in McAllen were involved in a crash, according to the city of McAllen.[5] Car accidents can drive up your Texas car insurance rates.
Texas car insurance laws adhere to an “at-fault” system, where the person deemed to be the cause of the accident is responsible for paying for damages. Hidalgo County, where McAllen is located, also follows the state’s blueprint in strictly enforcing DUI laws. Criminal charges and administrative fees are possible for first-time and repeat offenders alike.
In the table below, you can see how much McAllen drivers pay for monthly car insurance coverage based on their driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $180 |
| Speeding ticket | $226 |
| At-fault accident | $239 |
| DUI | $251 |
To avoid accidents, it helps to be aware of areas where the most crashes occur. McAllen evaluated high-injury corridors and intersections in the city limits.
Drivers should be most careful south of US Highway 83 in the center of town and in the vicinity of Bicentennial Boulevard, as well as South 23rd Street. North 23rd Street and Bicentennial Boulevard between US-83 and Pecan Boulevard are also accident-prone areas, along with West Nolana Avenue in the center of town.
Commute times are low for McAllen residents compared to the Texas average. But McAllen drivers should pay careful attention to trucks on the road. As an important transportation hub, more than 700,000 trucks cross the border from Mexico into McAllen every year.[6]
Most of all, when you’re driving in McAllen, you should always be aware of the risk of flooding.
Recent highway infrastructure work on I-2 and I-69C has reduced congestion in McAllen, and more work is being planned on the interchange between I-69C and US-281. McAllen drivers will benefit from wider highways and better ramps, but they should watch out for traffic modifications owing to construction in the meantime.
Local officials are also on the lookout for speeders. In 2025, the McAllen Police Department took part in the Texas Department of Transportation’s “Operation Slowdown” campaign, prioritizing speed enforcement as a key component of road safety.
When you add your teenager to your Texas car insurance policy, expect rates to jump.
Teens in McAllen pay monthly averages of $256 for liability policies and $445 for full-coverage policies.
Luckily, severe crashes among teens in McAllen are roughly proportional to their share of the population, and not higher, as they are in many other communities.[5] Ask your insurance agent about teen-related discounts for good students or teens who pass defensive driving courses.
Here you can see how coverage rates for teen drivers vary in McAllen.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $98 |
| Progressive | $142 |
| Allstate | $144 |
| GEICO | $150 |
| Mile Auto | $155 |
| USAA | $170 |
| Root | $181 |
| Mercury | $185 |
| The General | $192 |
| First Acceptance | $193 |
| Clearcover | $196 |
| Alinsco | $203 |
| GAINSCO | $203 |
| Lone Star | $209 |
| Bristol West | $211 |
| Dairyland | $211 |
| Commonwealth Casualty | $216 |
| Covercube | $224 |
| Mendota | $236 |
| Excepsure | $246 |
| Sun Coast | $246 |
| Elephant | $256 |
| AssuranceAmerica | $258 |
| Direct Auto | $259 |
| Loop | $265 |
| Safeco | $270 |
| National General | $273 |
| Trexis One | $304 |
| Chubb | $318 |
| 21st Century | $321 |
| Insurify Car | $339 |
| Hugo | $349 |
| Liberty Mutual | $383 |
Check quotes from 120+ top insurance companies
U.S. Census data shows that 13% of McAllen residents are older than 65, about the same proportion as the state of Texas as a whole.[7]
In McAllen, senior drivers in their 60s pay monthly averages of $111 for liability coverage and $194 for full coverage.
Below, you can see which auto insurance companies are offering the cheapest Texas car insurance for seniors in McAllen.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| State Farm | $38 |
| Mile Auto | $57 |
| Allstate | $57 |
| Progressive | $62 |
| GEICO | $63 |
| USAA | $71 |
| Mercury | $77 |
| First Acceptance | $84 |
| The General | $87 |
| Alinsco | $88 |
| Commonwealth Casualty | $89 |
| Lone Star | $91 |
| AssuranceAmerica | $94 |
| GAINSCO | $94 |
| Bristol West | $95 |
| Covercube | $98 |
| Dairyland | $98 |
| Clearcover | $101 |
| Mendota | $103 |
| National General | $104 |
| Direct Auto | $105 |
| Root | $105 |
| Excepsure | $107 |
| Sun Coast | $107 |
| Elephant | $110 |
| Safeco | $112 |
| Chubb | $112 |
| Loop | $116 |
| Trexis One | $132 |
| 21st Century | $135 |
| Insurify Car | $148 |
| Hugo | $157 |
| Liberty Mutual | $174 |
If you’re shopping for car insurance, here are the answers to important questions about car insurance in McAllen.
McAllen car insurance costs $131 per month for liability coverage and $228 for full coverage, according to Insurify data. Those rates are slightly higher than the Texas monthly averages of $110 for liability coverage and $205 for full coverage.
State Farm offers the cheapest average car insurance in McAllen, at an average monthly rate of $49. But remember that every insurance agency prices car insurance slightly differently, and it’s smart to get quotes from a handful of companies to find the best rates for you.
Progressive has cheaper McAllen car insurance quotes than GEICO, according to Insurify data. But the cheapest company for your auto, renters, or home insurance depends on your specific situation.
Your age, gender, driving history, credit history, vehicle make and model, address, the coverage options you choose, whether you bundle with homeowners insurance and renters insurance, and even your relationship status are all factors that affect your car insurance rates in McAllen.
Make sure you bundle home insurance with your auto insurance policy if you haven’t already, and ask your insurance agent about any discounts you might have missed. Comparing quotes will also help you find the most affordable policy.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years in personal finance writing
Small business blogger
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.