Cheapest Auto Insurance in McAllen, Texas (2025)

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 $176.

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.

3 of the cheapest car insurance companies in McAllen

The perfect insurance policy for you depends on your needs, but the rate you pay for that policy depends on your age, ZIP code, gender, marital status, type of vehicle you drive, your driving record, and more.

Each car insurance company will evaluate the different factors of your life differently, and that can lead to significantly different rates. Fortunately, comparing quotes can help you lock in the most affordable option.

Below is a closer look at some of the best car insurance companies in McAllen so you can jump-start your search.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
State Farm	9.3	$74	$41	Low rates
Allstate	8.9	$105	$58	Families
GEICO	9.0	$81	$44	Multi-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.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for low rates: State Farm

low rates

Compare Quotes

User Reviews	4.2 5,993 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$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.	$74/mo

Hide Details

Driver Reviews

4.2

Best choiceBased on 11,093 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

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

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,993)

Kevin

May 14, 2025

Verified Review

Friends in Need

The main thing with SF is their rates; in my opinion, they are too high. The good side is that they are understanding and prompt. My wife and I have had 3 or 4 cars covered by SF plus home insurance. They always treat us fairly, just so high!

Robert

May 14, 2025

Verified Review

State Farm needs help

Good for car insurance but difficult getting claims approved on homeowners.

Sergio

May 14, 2025

Verified Review

Look very carefully before switching.

I don't have anything bad to say about State Farm. To compare with another company, it's important to look carefully at options. All options should be equal before deciding which company to choose.

Previous

1234…25

NextSee all State Farm reviews

Our Advice

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

families

Compare Quotes

User Reviews	4.0 3,619 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.9 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$55/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.	$106/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 6,754 verified guest reviews and ratings

How drivers feel about Allstate

Drivers appreciate the friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

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 friendly customer service and efficient claims processing, but many find the rates too high and experience unexpected price increases. Some also report poor communication from agents.

AI-generated from the text of verified reviews collected by Insurify

Best For

Accident forgiveness

Wide availability

Cheap rates

Reviews (3,619)

Roy

May 14, 2025

Verified Review

Coverage

Initial price for coverage was good, but on renewal, the price increased by about $300. I need a better price.

Anita Lynn

May 12, 2025

Verified Review

Happy but

The owner, Josh, is very nice. He spends enough time with me every time we talk, and he's always concerned, which is nice. But the original price when I transferred to him six months ago was $138. I really wasn’t happy with it, but I was tired of shopping around and tired of getting insurance calls every day, so I went with it. Now it’s time for my renewal, and it went up to $189. I guess I’m back to shopping again. I just don’t understand it. I’m 73, I barely go anywhere, and I haven’t had an accident that was my fault in a long time.

Jesse

May 11, 2025

Verified Review

Fair

They start with low monthly payments and then increase it by $250.00!

Previous

1234…25

NextSee all Allstate reviews

Our Advice

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

Multi-language speakers

Compare Quotes

User Reviews	4.0 6,402 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9 /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.	$42/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.	$81/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 11,874 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,402)

Barbara

May 14, 2025

Verified Review

Excellent

Good company but costs too much.

Mary

May 14, 2025

Verified Review

Not the best rate or policy combination

I am just looking for better rates and a 1-year payment option, not 6 months. I signed up for no spousal coverage and sent the signed document in, but Guiko sent an email stating they do not have it. I do not want it! Guiko does not offer 1-year insurance or even combine my policies—I have a truck, side by side, and rental property (I own the property but have it in an LLC). Sole owner SLLC.

Patricia

May 14, 2025

Verified Review

Geico Meets My Car Insurance Needs

I have been with Geico for quite a while but haven’t filed any claims. I do think they are a good company.

Previous

1234…25

NextSee all GEICO reviews

Our Advice

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.

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 $132, and you can see a collection of average monthly quotes from area insurers below.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$39
GEICO	$42
Allstate	$55
Mile Auto	$59
USAA	$70
Nationwide	$88
Mercury	$93
Progressive	$102
Root	$104
Dairyland	$114
Chubb	$120
Safeco	$122
Direct Auto	$132
The General	$132
National General	$132
Clearcover	$133
AssuranceAmerica	$134
Bristol West	$135
Commonwealth Casualty	$137
21st Century	$138
Elephant	$151
GAINSCO	$171
Foremost	$224
Liberty Mutual	$241

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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$74
GEICO	$81
Allstate	$106
Mile Auto	$121
USAA	$133
Mercury	$166
Nationwide	$167
Progressive	$177
Root	$197
Safeco	$198
Clearcover	$218
Chubb	$226
Direct Auto	$247
Elephant	$251
National General	$259
21st Century	$261
The General	$270
Bristol West	$280
AssuranceAmerica	$293
Dairyland	$299
Liberty Mutual	$338
GAINSCO	$366
Commonwealth Casualty	$382
Foremost	$489

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.

Car insurance requirements in Texas

To drive legally in the state of Texas, you must carry a minimum amount of liability coverage. Here’s a breakdown of the minimum coverage requirements:

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

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

• 

  Collision coverage

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

• 

  Comprehensive coverage

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

• 

  Uninsured/underinsured motorist coverage

  This pays for your damages if you’re hit by an uninsured driver, or if their auto insurance coverage isn’t enough to fully cover the damage they caused.

• 

  Personal injury protection (PIP) coverage

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

Cheapest car insurance for drivers with an incident

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

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

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

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

The average cost of full-coverage insurance for drivers with a speeding ticket is $306 per month, but you can explore some potentially lower quotes from the insurers below.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$39	$49
Allstate	$55	$70
Mile Auto	$59	$74
USAA	$70	$89
Nationwide	$88	$113
Mercury	$93	$129
Progressive	$102	$131
Root	$104	$146
Dairyland	$114	$146
Chubb	$120	$154
Safeco	$122	$160
Direct Auto	$132	$170
The General	$132	$176
National General	$132	$168
Clearcover	$133	$174
AssuranceAmerica	$134	$168
Bristol West	$135	$175
Commonwealth Casualty	$137	$186
21st Century	$138	$181
Elephant	$151	$191
GAINSCO	$171	$232
Foremost	$224	$304
Liberty Mutual	$241	$327

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 $316 per month.

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

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$39	$51
Allstate	$55	$73
Mile Auto	$59	$79
USAA	$70	$93
Nationwide	$88	$118
Mercury	$93	$135
Progressive	$102	$139
Root	$104	$150
Dairyland	$114	$151
Chubb	$120	$159
Safeco	$122	$169
Direct Auto	$132	$180
The General	$132	$181
National General	$132	$173
Clearcover	$133	$197
AssuranceAmerica	$134	$171
Bristol West	$135	$180
Commonwealth Casualty	$137	$181
21st Century	$138	$187
Elephant	$151	$200
GAINSCO	$171	$220
Foremost	$224	$314
Liberty Mutual	$241	$338

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 $361 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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$39	$62
Allstate	$55	$88
Mile Auto	$59	$94
USAA	$70	$112
Nationwide	$88	$141
Mercury	$93	$144
Progressive	$102	$163
Root	$104	$153
Dairyland	$114	$183
Chubb	$120	$192
Safeco	$122	$192
Direct Auto	$132	$211
The General	$132	$211
National General	$132	$211
Clearcover	$133	$213
AssuranceAmerica	$134	$215
Bristol West	$135	$216
Commonwealth Casualty	$137	$219
21st Century	$138	$221
Elephant	$151	$242
GAINSCO	$171	$274
Foremost	$224	$359
Liberty Mutual	$241	$386

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 $180 for full coverage and $105 for liability-only car insurance. The overall average cost of car insurance for seniors in McAllen is $142 per month, but you may be able to reduce your rates by shopping around.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$56	$29
Allstate	$83	$43
Mile Auto	$89	$43
USAA	$104	$54
Nationwide	$121	$64
Progressive	$123	$71
Mercury	$131	$73
Chubb	$161	$86
Root	$165	$87
Safeco	$166	$102
Clearcover	$184	$112
Direct Auto	$186	$100
21st Century	$192	$101
National General	$192	$98
Elephant	$193	$116
The General	$211	$103
AssuranceAmerica	$220	$101
Bristol West	$220	$106
Dairyland	$235	$89
Liberty Mutual	$274	$195
GAINSCO	$296	$138
Commonwealth Casualty	$296	$106
Foremost	$385	$176

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 $346, with full coverage and liability-only policies priced at $438 and $255, 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: Thursday, May 1 at 12:00 PM PDT. 

Insurance Company	Full Coverage	Liability Only
State Farm	$140	$74
Allstate	$209	$108
USAA	$245	$129
Mile Auto	$254	$124
Mercury	$317	$177
Nationwide	$323	$170
Root	$324	$171
Progressive	$335	$193
Safeco	$413	$254
Clearcover	$430	$262
Elephant	$450	$271
The General	$464	$227
Chubb	$479	$255
21st Century	$487	$258
Direct Auto	$493	$264
Dairyland	$509	$194
Bristol West	$511	$246
National General	$536	$273
AssuranceAmerica	$573	$262
Liberty Mutual	$619	$441
GAINSCO	$688	$322
Commonwealth Casualty	$708	$254
Foremost	$939	$430

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.

Find Car Insurance in McAllen, TX

Check quotes from 120+ top insurance companies

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

McAllen car insurance quotes by credit tier

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

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

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

Is car insurance more expensive in McAllen?

The average cost of car insurance in McAllen is $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	$106
Arlington	$239	$126
Austin	$231	$132
Corpus Christi	$230	$131
Dallas	$267	$132
Houston	$311	$172
El Paso	$200	$99
San Antonio	$233	$125
Fort Worth	$232	$120
Plano	$234	$234

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