Cheapest Auto Insurance in McAllen, Texas (2025)

State Farm offers the cheapest car insurance in McAllen, with minimum-coverage policies as low as $38 per month.

Sarah Sharkey
Written bySarah Sharkey
Sarah Sharkey
Sarah SharkeyInsurance Writer
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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
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Daniel Roccato
Reviewed byDaniel Roccato
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Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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Cheapest recent rates near Mcallen, Texas

Recent Mcallen, Texas car insurance prices for Hyundai, Chevrolet, Mazda , and more.

*Quotes generated for Insurify users in and around Mcallen, Texas within the last 10 days. Last updated on February 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 10, 2025. 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 February 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

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 $179 per month for car insurance, and the Lone Star State average is $179.

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 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 $227 per month, while liability-only policies average $130 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, 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 Farm9.3$72$39Low rates
Allstate8.9$102$55Families
GEICO9.0$78$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 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

User Reviews
4.2
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.
$38/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.
$71/mo
4.2
Best choiceBased on 9,489 verified guest reviews and ratings
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (5,224)

Jose

February 9, 2025

Verified Review

Excellent

Great company.

Donald

February 8, 2025

Verified Review

I'm Pleased with State Farm and Their Staff

I'm satisfied and I'm staying with State Farm.

Mary

February 8, 2025

Verified Review

Prices Rise Like a Hot Summer Day!

Find a company that offers competitive pricing for long-time customers. They provide better deals for customers over 60.
See all State Farm reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
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

User Reviews
4.0
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.
$54/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.
$100/mo
4.0
Best choiceBased on 5,875 verified guest reviews and ratings
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
How drivers feel about Allstate

Drivers appreciate the initial pricing and overall service but dislike the frequent rate increases and misleading pricing tactics.

AI-generated from the text of verified reviews collected by Insurify
Best For
Accident forgiveness
Wide availability
Cheap rates
Reviews (3,207)

Michael

February 6, 2025

Verified Review

Excellent Customer Service from Zoe Chambers

I am very pleased with the service. Zoe Chambers was excellent in connecting me with the right people.

David

February 3, 2025

Verified Review

Thanks for Sharing My Opinion

I think the overall price for coverage is too high. I have 4 vehicles and only 2 drivers. One of those drivers hardly leaves the house unless she is with me, so we don't drive all 4 all the time. I understand the problems with all the lost vehicles and claims, but I don't feel I should have to foot the bill on the vehicles I have that only have liability. I also think you should give a discount for customers that have been loyal and long-lasting customers. Instead, our premiums go up every six months. As far as the ability to file a claim, you're pretty good.

Isaac

February 1, 2025

Verified Review

Unfair Treatment by Claims Department

I was not treated fairly by some of the individuals in the claims department. I had a legitimate claim that the adjuster was aware of, yet I was given low settlement offers. Interestingly, my next-door neighbor had the same policy and identical damages, but they were offered and settled for four times the amount I was offered. This was not a pleasant experience at all. I am more than willing to provide a detailed report if you are interested.
See all Allstate reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.94
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

User Reviews
4.0
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.
9.0 /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.
$41/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.
$77/mo
4.0
Best choiceBased on 10,653 verified guest reviews and ratings
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO

Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (5,857)

Linda

February 9, 2025

Verified Review

I would recommend this company to others

I had no problems and they were efficient with me.

Anthony

February 9, 2025

Verified Review

15 Years with Geico, but Prices Got Too High

At one time, prices were great, but now they're too high.

Elvin

February 4, 2025

Verified Review

My Thoughts

It was great. However, after being with them for so long and maintaining a good record, you would think that they would offer some kind of discount. Unfortunately, they do not offer discounts. That's the only problem I have with them. I felt that I should have been rewarded for being such a great driver and being so loyal to them. Other than that, it's five stars all the way around.
See all GEICO reviews
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.74
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.

Guide to Car Insurance Discounts (2025)

Guide to Car Insurance Discounts (2025)

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 $130, and you can see a collection of average monthly quotes from area insurers below.

The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
State Farm$38
GEICO$41
Allstate$54
Mile Auto$58
USAA$68
Nationwide$86
Root$88
Mercury$90
Progressive$101
Dairyland$111
Safeco$113
Chubb$116
National General$127
Direct Auto$131
The General$131
Clearcover$132
21st Century$134
Bristol West$134
Commonwealth Casualty$137
AssuranceAmerica$138
Elephant$150
GAINSCO$168
Liberty Mutual$221
Foremost$224
State Auto$256
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

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 $227.

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: Saturday, February 1 at 11:00 AM PST
Insurance Company
Average Monthly Quote
State Farm$71
GEICO$77
Allstate$100
Mile Auto$119
USAA$127
Mercury$152
Nationwide$160
Root$171
Progressive$176
Clearcover$191
Safeco$192
Chubb$216
Elephant$243
Direct Auto$248
21st Century$249
National General$258
The General$280
Bristol West$284
Dairyland$285
AssuranceAmerica$304
Liberty Mutual$335
GAINSCO$358
Commonwealth Casualty$379
State Auto$477
Foremost$478
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 recent rates near Mcallen, Texas

Recent Mcallen, Texas car insurance prices for Subaru, Mitsubishi, Jeep , and more.

*Quotes generated for Insurify users in and around Mcallen, Texas within the last 10 days. Last updated on February 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 10, 2025. 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 February 10, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 120+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from February 10, 2025. Actual quotes 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:

  • 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 $311 per month, but you can explore some potentially lower quotes from the insurers below.

The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Speeding Ticket
State Farm$38$48
GEICO$41$53
Allstate$54$69
Mile Auto$58$74
USAA$68$87
Nationwide$86$112
Root$88$123
Mercury$90$124
Progressive$101$129
Dairyland$111$142
Safeco$113$148
Chubb$116$151
National General$127$164
Direct Auto$131$169
The General$131$174
Clearcover$132$171
21st Century$134$178
Bristol West$134$174
Commonwealth Casualty$137$189
AssuranceAmerica$138$176
Elephant$150$189
GAINSCO$168$231
Liberty Mutual$221$304
Foremost$224$308
State Auto$256$353
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 $324 per month.

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

The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With Accident
State Farm$38$51
GEICO$41$56
Allstate$54$73
Mile Auto$58$80
USAA$68$92
Nationwide$86$117
Root$88$129
Mercury$90$131
Progressive$101$139
Dairyland$111$149
Safeco$113$155
Chubb$116$157
National General$127$170
Direct Auto$131$181
The General$131$181
Clearcover$132$194
21st Century$134$185
Bristol West$134$181
Commonwealth Casualty$137$182
AssuranceAmerica$138$181
Elephant$150$200
GAINSCO$168$217
Liberty Mutual$221$317
Foremost$224$321
State Auto$256$372
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 $370 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: Saturday, February 1 at 11:00 AM PST
Insurance Company
Clean Driving Record
With DUI
State Farm$38$62
GEICO$41$67
Allstate$54$88
Mile Auto$58$95
USAA$68$111
Nationwide$86$140
Root$88$130
Mercury$90$138
Progressive$101$165
Dairyland$111$181
Safeco$113$175
Chubb$116$189
National General$127$207
Direct Auto$131$214
The General$131$214
Clearcover$132$216
21st Century$134$219
Bristol West$134$219
Commonwealth Casualty$137$224
AssuranceAmerica$138$225
Elephant$150$245
GAINSCO$168$274
Liberty Mutual$221$361
Foremost$224$366
State Auto$256$418
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 $178 for full coverage and $102 for liability-only car insurance. The overall average cost of car insurance for seniors in McAllen is $140 per month, but you may be able to reduce your rates by shopping around.

The below rates are estimated rates current as of: Saturday, February 1 at 11:00 AM PST
Insurance Company
Full Coverage
Liability Only
State Farm$53$29
GEICO$60$32
Allstate$78$42
Mile Auto$87$42
USAA$99$53
Nationwide$116$62
Mercury$119$70
Progressive$122$70
Root$141$73
Chubb$153$82
Safeco$161$95
Clearcover$164$113
21st Century$181$97
Elephant$185$114
Direct Auto$187$99
National General$191$94
The General$218$102
Bristol West$221$104
Dairyland$222$86
AssuranceAmerica$225$102
Liberty Mutual$271$179
GAINSCO$291$137
Commonwealth Casualty$294$106
State Auto$350$188
Foremost$372$174
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 means higher accident rates and more expensive car insurance premiums. For example, teens in McAllen pay an average monthly premium of $341, with full coverage and liability-only policies priced at $432 and $248, 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: Saturday, February 1 at 11:00 AM PST
Insurance Company
Full Coverage
Liability Only
State Farm$132$70
GEICO$133$71
Allstate$192$104
USAA$229$123
Mile Auto$245$119
Root$274$141
Mercury$284$168
Nationwide$302$162
Progressive$326$187
Clearcover$366$253
Safeco$388$228
Elephant$428$264
Chubb$446$239
21st Century$455$245
The General$477$223
Direct Auto$484$256
Dairyland$485$189
Bristol West$510$241
National General$537$264
AssuranceAmerica$587$266
Liberty Mutual$608$401
GAINSCO$654$307
Commonwealth Casualty$694$251
State Auto$906$486
Foremost$908$425
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 $179, 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$235$105
Arlington$244$126
Austin$234$132
Corpus Christi$232$130
Dallas$272$132
Houston$315$173
El Paso$201$99
San Antonio$235$124
Fort Worth$233$120
Plano$238$238
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 $179. If you’re looking for full coverage, you can expect an average monthly rate of $227. Meanwhile, the monthly average for liability coverage is $130.

  • 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 $38 per month. McAllen drivers can also find savings with GEICO and Allstate, which have monthly liability averages of $41 and $54, 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 9.3, 8.9, and 9.0, 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 $179 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.

Sarah has been a contributor at Insurify since September 2022.

Chris Schafer
Edited byChris SchaferDeputy Managing Editor, News and Marketing Content
Chris Schafer
Chris SchaferDeputy Managing Editor, News and Marketing Content
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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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Daniel RoccatoAdvisor
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  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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