Best McAllen Homeowners Insurance Quotes (2025)
Farmers, USAA, and Chubb offer the best homeowners insurance policies in McAllen, Texas.
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Written byKat Tretina
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
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Edited byKatie Powers
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Table of contents
Homeowners in McAllen, Texas, pay an average of $4,575 per year for homeowners insurance. About 70 miles west of the Gulf of Mexico, McAllen is a rapidly growing city in Texas.
Risk of fires, wind damage, and rising property values have caused McAllen to have higher-than-average homeowners insurance rates. Because of the potential risk of flooding, you may also want to consider a separate flood insurance policy, which can increase your overall insurance costs.
Here’s what you need to know about finding home insurance in McAllen.
Quick Facts
McAllen homeowners pay an average of about $379 per month for homeowners insurance.
ASI, Farmers, and USAA offer the lowest home insurance premiums in McAllen on average.
McAllen homeowners pay about $200 less annually than the Texas statewide average cost of $4,789 per year.
Best home insurance companies in McAllen
Several insurance companies offer homeowners insurance policies in McAllen. The best insurance company for you depends on your home’s characteristics, ZIP code, coverage needs, budget, and more.
Start your search below with a few of the best home insurance companies in McAllen, based on premiums, customer satisfaction ratings, available discounts, and more.
Best for flood coverage: Farmers
flood coverage
Farmers
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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.4/10 |
|---|---|
| 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 |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $290/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $505/mo |
McAllen is about 90 minutes away from the coast, but the city has recently felt the effects of heavy storms and flooding. For example, the city experienced torrential downpours and flash flooding in March 2025.[1]
Standard homeowner insurance policies don’t cover flooding, so many homeowners will need additional coverage. Farmers is one of the few insurers that offer separate flood insurance policies that you can purchase to supplement your homeowners insurance.
Pros
Offers separate flood insurance policies
Lower-than-average premiums
Multiple homeowners discounts
Cons
Below-average customer satisfaction rating from J.D. Power[2]
Higher-than-average number of complaints filed with the National Association of Insurance Commissioners (NAIC)
Some negative customer reviews on Trustpilot
Best for military service members: USAA
USAACompare 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8/10 |
|---|---|
| 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++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $103/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $144/mo |
Nearly 4,000 veterans live in McAllen, making up approximately 3% of the city’s population. Thousands more are active-duty service members. For these people and their families, USAA is an excellent choice in McAllen. USAA has lower-than-average rates, and its policies tend to have more built-in benefits and coverages applicable to service members.
Pros
Lower-than-average rates
Identity theft coverage included
Added benefits for military members
Cons
Not everyone qualifies for coverage
Limited discounts available
No physical agency offices
Best for customer service: Chubb
ChubbCompare 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.8/10 |
|---|---|
| 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++ |
| $300,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $300,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $557/mo |
| $500,000 Dwelling A standard HO-3 home insurance policy typically includes dwelling, personal property, and liability coverage. The average rate displayed here reflects a policy with the following coverage limits: $500,000 dwelling; $25,000 personal property; $300,000 personal liability; $30,000 loss of use; and a $1,000 deductible for medical payments to others. | $763/mo |
Chubb was the top-ranked company in the J.D. Power U.S. Home Insurance Study, beating out 22 other insurance companies. Well-known for its customer service, Chubb says its claim adjusters contact homeowners within six hours of the initial report in 98% of claims. The company also offers unique wildfire defense services that provide homeowners with monitoring, prevention, and mitigation services.
But coverage in McAllen from Chubb is much more expensive than other insurance companies and the state average.
Pros
Top-rated for customer satisfaction
Quick claims response
Wildfire protection available
Cons
Expensive average premiums
Quotes only available through agents
Fewer coverage options than some insurers
Our editorial team analyzed regional and national home insurance companies that sell policies in McAllen to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance companies in McAllen
Home insurance rates vary by company. ASI, Farmers, and USAA have the lowest rates in McAllen on average, based on Insurify data. Start your search for cheap home insurance coverage from different insurance companies below.
The average annual premiums reflect costs for a home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.
Insurance Company  | Average Annual Premium |
|---|---|
| ASI | $871 |
| Farmers | $931 |
| USAA | $1,452 |
| Republic Indemnity | $1,668 |
| State Farm | $1,749 |
| Travelers | $2,471 |
| Armed Forces Insurance Exchange | $2,640 |
| Texas Fair Plan Association | $2,647 |
| Foremost | $3,118 |
| Texas Farm Bureau Group | $3,395 |
| Mercury | $4,152 |
| Nationwide | $4,503 |
| Allstate | $5,073 |
| Occidental/Acceptance Group | $5,196 |
| Amguard | $6,571 |
| Bankers Insurance Group | $6,655 |
| Universal Insurance Company of North America | $12,139 |
| Chubb | $17,121 |
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How much is home insurance in McAllen?
The average cost of home insurance in McAllen is $4,575 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. For a policy with a $500 deductible, the annual average increases to $4,641.
Ultimately, your rate will vary based on a number of factors, including your past claims, credit history, ZIP code, coverage details, deductible amount, and more. Your home’s value and age will also affect how much you pay for coverage.[3]
Cost of home insurance by dwelling coverage in Texas
Dwelling coverage pays for the repairs or rebuild of the physical structure of your home after a covered incident, such as a fire or a lightning strike. It includes your home and other attached structures, such as your garage.
When you buy a homeowners insurance policy, you’ll need to select a dwelling coverage limit based on the cost of rebuilding your home. A higher coverage limit generally results in higher premiums.
Below, you can compare statewide average annual costs for home insurance in Texas by dwelling coverage amount.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $2,037 |
| $200,000 | $3,464 |
| $300,000 | $4,789 |
| $400,000 | $6,005 |
| $500,000 | $7,279 |
Cost of homeowners insurance by deductible amount
If you need to file a claim, the deductible is the amount you have to pay for repairs or damages before your insurer begins covering the cost. For example, if you have $30,000 of damage and a $2,000 deductible, you’re responsible for the first $2,000 of repairs. The insurer would then pay up to $28,000 of the remaining cost.
Home insurance deductibles usually range between $500 and $2,000. Home insurance premiums are typically lower if you have a higher deductible since you’re taking on more of the out-of-pocket cost up front.
Compare average annual premiums for standard home insurance in McAllen by deductible amount below.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $4,641 |
| $1,000 | $4,575 |
Average cost of home insurance in other cities in Texas
Homeowners insurance rates can vary significantly by county, city, and even ZIP code.
In Texas, homeowners in Galveston tend to have the highest rates, paying an average of $7,953 for a $300,000 home. That high rate is unsurprising, considering that Galveston is an island city prone to wind and flood damage. By contrast, El Paso, which is much further inland, tends to have lower rates of around $2,227 on average.
Compare average annual premiums for home insurance policies with $300,000 in dwelling coverage and a $1,000 deductible for different Texas cities below.
City | Average Annual Premium |
|---|---|
| Austin | $3,153 |
| Brownsville | $5,579 |
| Dallas | $4,978 |
| El Paso | $2,227 |
| Fort Worth | $5,458 |
| Frisco | $4,744 |
| Galveston | $7,953 |
| Houston | $5,980 |
| Ingleside | $5,803 |
| Lubbock | $2,690 |
| McAllen | $4,575 |
| San Antonio | $3,443 |
| Sugar Land | $6,524 |
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What to know about owning a home in McAllen
Whether you’re a longtime resident or plan to relocate to McAllen soon, you should keep a few factors in mind about homeownership there.
Home prices have increased
In recent years, home prices have increased significantly in McAllen. During the past five years, home prices in McAllen increased by 48%, a steeper increase than the rest of the state experienced. As a result, homeowners may need to adjust their homeowners insurance policies and increase their coverage limits to coincide with higher home values.
McAllen has a low crime rate
McAllen has a relatively low crime rate. The small city has fairly low incidence rates of burglary and theft.
Some risk of fire exists
McAllen has an increased risk of damage related to heat, drought, and fires. In 2024, the area had a combination of high winds, dry grass, and heat that caused widespread brush fires. Most home insurance policies will cover damages related to wildfires, but review your policy to confirm you have adequate coverage.
The city has experienced recent floods
McAllen recently had significant rainfall that resulted in historic flooding. If you live in an area at risk of flooding, you may need a separate flood insurance policy. You can purchase coverage through the National Flood Insurance Program.
McAllen home insurance FAQs
The following information can help answer your remaining questions about finding homeowners insurance in McAllen.
McAllen homeowners pay about $381 per month, or $4,575 per year, for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Secondary coverages, like flood insurance or windstorm insurance, may increase your total insurance costs.
ASI has the cheapest policies in McAllen, with annual average premiums of $871 per year. This is significantly lower than the average cost of home insurance in the city.
On average, Texas homeowners pay $5,397 per year for a home insurance policy with $350,000 in dwelling coverage.
The 80% rule is a guideline that suggests you should insure your home for at least 80% of its total replacement cost. For example, if you own a $300,000 home, you need a homeowners insurance policy with a coverage limit of $240,000 or higher. As the value of your home changes over time, you may need to adjust the coverage limit to avoid penalties.
Although Texas doesn’t have a state-based discount program for seniors, some home insurers have their own special discounts for older homeowners. For example, The Hartford partners with AARP to offer special plans and discounts on insurance policies.
Methodology
Insurify data scientists analyzed rates from more than 180 home insurance companies sourced directly from Insurify’s partner companies and Quadrant Information Services. Rates span all 50 states and Washington, D.C., and quote averages represent the mean price for a given coverage level and geographic area. To ensure data reliability, only insurers meeting minimum quote thresholds were included in the analysis.
Unless otherwise specified, quoted rates reflect the average cost for homeowners with no prior claims and good credit with a home construction year of 1980. The default coverage assumptions include:
Default Coverage Assumptions
- Dwelling coverage: $300,000
- Deductible: $1,000
- Personal property limit: $25,000
- Liability limit: $300,000
Additional data points beyond these default values are sourced from Insurify’s proprietary database. Rates are updated monthly.
Sources
- FOX Weather. "South Texas residents plucked from homes amid deadly flooding and torrential rains."
- J.D. Power. "Rampant Home Insurance Increases Strain Customer Satisfaction—and Drive Policy Shopping, J.D. Power Finds."
- Texas Department of Insurance. "How are your auto and homeowners insurance costs calculated?."
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Kat Tretina
Kat Tretina is a personal finance writer specializing in debt repayment and insurance.
Previously, she worked in public relations within the pharmaceutical industry before switching to non-profit work. After struggling to repay her own student loan debt and seeing firsthand how complex the financial aid and repayment system is, she began writing to share what she learned so other people could better manage their loans.
For the past seven years, she’s been freelancing for major financial publications, focusing her work on helping people understand their financial options. Kat double-majored in English and Communications at Elizabethtown College, and she went on to earn her master’s at West Chester University. She has also earned certifications in student loan counseling and financial education.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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