State Farm offers McAllen's lowest car insurance rates, with annual premiums of $544 for minimum coverage and $1,274 for full coverage. GEICO, AAA and Germania also provide competitive rates in the city.
Car Insurance in McAllen
Updated: August 5, 2025
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Key Takeaways
McAllen's cheapest car insurance companies are State Farm, GEICO and Germania, with rates up to 45% lower than the city average.
Monthly car insurance costs in McAllen average $183 for full coverage and $79 for minimum coverage.
To find the best cheap auto insurance in McAllen, compare quotes from multiple sources and choose coverage that fits your needs.
Who Has the Cheapest Car Insurance in McAllen?
| State Farm | $45 | $106 | -45% |
| GEICO | $69 | $142 | -24% |
| Germania | $70 | $147 | -21% |
| AAA | $70 | $148 | -21% |
| Mercury | $75 | $176 | -9% |
Cheapest McAllen Car Insurance by Category
State Farm offers the lowest rates for eight types of drivers in McAllen. GEICO stands out as the most affordable option for drivers with bad credit.
| Young Drivers | State Farm | $102 |
| Adult Drivers | State Farm | $45 |
| Senior Drivers | State Farm | $53 |
| Drivers With an Accident | State Farm | $53 |
| Drivers With a DUI | State Farm | $73 |
| Drivers With a Speeding Ticket | State Farm | $45 |
| Drivers With Bad Credit | GEICO | $99 |
| Drivers With Newer Cars | State Farm | $63 |
| Drivers With Old Cars | State Farm | $41 |
Compare the Cheapest McAllen Car Insurance for You
Your driving record and personal details shape what you'll pay for car insurance, with rates varying by hundreds or even thousands of dollars between companies. Find the most affordable option for your situation by checking which insurers offer the best rates for drivers like you in the table below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $45 | $544 | -45% |
| Geico | $69 | $824 | -18% |
| Germania Insurance | $70 | $842 | -16% |
| AAA | $70 | $842 | -16% |
| Mercury Insurance | $75 | $903 | -10% |
Best Car Insurance Companies in McAllen
In McAllen, the top car insurance companies are State Farm, GEICO, AAA and Mercury. These providers stand out for offering competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| GEICO | 89 | 2 | 6 | 6 |
| AAA | 88 | 4 | 4 | 6 |
| Mercury | 86 | 5 | 5 | 4 |
| Chubb | 84 | 7 | 1 | 5 |
State Farm: Best Overall Value
pros
Excellent customer service ratings
Most affordable for multiple categories
Easy claims process
cons
Limited coverage options
Few add-on choices
COMPANY HIGHLIGHTS
State Farm ranks as McAllen's top car insurance provider with strong customer satisfaction scores and the most competitive rates. The company stands out by offering the lowest prices for eight driver categories, including young drivers, seniors, and those with accidents. State Farm's rates fall well below the McAllen average, making it an affordable choice for most drivers. Their high customer service ratings translate to smooth claims processing and responsive support.
GEICO: Best for Customer Service
pros
Strong customer service support
Multiple discount opportunities
User-friendly digital tools
cons
Limited local agent availability
Average coverage options
COMPANY HIGHLIGHTS
GEICO earns McAllen's second-best ranking by combining affordable rates with quality service. The company particularly excels for drivers with bad credit, offering the lowest rates in this category. Their premiums consistently stay below McAllen's average rates. GEICO's strong customer satisfaction scores reflect their efficient claims process and helpful digital tools. While they have fewer local agents than some competitors, their 24/7 customer service makes up for it.
How Much Is Car Insurance in McAllen?
In McAllen, minimum coverage costs about $79 per month or $943 per year, ranking 1419th out of all Texas cities for affordability. Full coverage averages $183 monthly or $2,194 annually, ranking 1452nd among Texas cities.
| Full Coverage | $183 | $2,194 |
| Minimum Coverage | $79 | $943 |
McAllen Car Insurance Cost by Category
In McAllen, monthly coverage costs vary from $72 to $422 depending on the driver category. Check the table below to see rates for your category.
| Young Drivers | $184 | $400 |
| Adult Drivers | $79 | $183 |
| Senior Drivers | $102 | $214 |
| Drivers With an Accident | $111 | $253 |
| Drivers With a DUI | $121 | $264 |
| Drivers With a Speeding Ticket | $93 | $219 |
| Drivers With Bad Credit | $177 | $422 |
| Drivers With Newer Cars | $97 | $227 |
| Drivers With Old Cars | $72 | $167 |
McAllen Car Insurance Costs by ZIP Code
In McAllen, car insurance rates by ZIP code range from $78 to $184 per month. ZIP code 78504 is the most expensive, while 78501 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:78504
| 78504 | $79 | $184 |
Compare Personalized McAllen Car Insurance Costs
While average rates vary by ZIP code and coverage type, find McAllen car insurance costs that match your exact profile by filtering the rates below based on your age and driving record.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $82 | $988 | 21% |
How to Get the Best Cheap McAllen Car Insurance
Finding affordable car insurance in McAllen can feel overwhelming with the area's high average rates and complex coverage options. Our step-by-step guide helps you navigate the local market and secure the cheapest rates while maintaining good coverage.
- 1
Determine your coverage requirements
Start by understanding exactly how much coverage you need for your situation in McAllen. Consider factors like your car's value, your savings, and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability.
- 2
Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, pay-per-mile coverage might be cheaper. Don't own a car? A non-owner policy could be your best choice.
- 3
Know what others are paying
Research average vehicle insurance costs in McAllen to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Remember that your specific rate will vary based on factors like your driving history and vehicle type.
- 4
Stack up available discounts
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs, defensive driving courses, and good student discounts can also significantly reduce your premium.
- 5
Check company ratings and reviews
Research insurance companies' financial strength and customer service ratings. Look for providers with strong records in claim handling and customer support in Texas. Pay attention to local McAllen customer reviews to understand how well companies serve your area.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to ensure you're seeing all available options. Each company uses different factors to set rates, so comparing multiple quotes is essential.
- 7
Review your policy annually
Mark your calendar to review your car insurance each year before renewal. Life changes, driving habits, and insurance company rates all evolve over time. Regular reviews ensure you maintain the best combination of coverage and cost for your current situation.
Cheapest Car Insurance in McAllen: Bottom Line
Car insurance rates in McAllen depend on your driving record, credit score and coverage choices. State Farm and GEICO offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap McAllen Car Insurance: FAQ
Looking for affordable car insurance in McAllen? We've researched local rates and coverage options to answer your most pressing questions about finding budget-friendly protection. Our straightforward answers help you choose the right coverage at the best price.
What is the cheapest car insurance company in McAllen, Texas?
State Farm offers the lowest rates in McAllen, with average annual premiums of $544 for minimum coverage and $1,274 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in McAllen?
State Farm leads McAllen's car insurance providers with a MoneyGeek score of 95 out of 100, scoring 6 points higher than GEICO. The company excels in both affordable rates and quality service.
What is the average cost of car insurance in McAllen?
In McAllen, drivers pay $2,194 for full coverage and $943 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Is car insurance in McAllen expensive?
Car insurance in McAllen is more expensive than average, ranking 1,419th for minimum coverage affordability and 1,452nd for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in McAllen, TX
To help McAllen drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
McAllen Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in McAllen
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.