In McAllen, State Farm offers the cheapest full coverage and is the best for families with teens. Mercury offers the most affordable minimum coverage car insurance. For service, Chubb stands out but also earns the title of best overall, providing superb value in both price and service. Ultimately, the ideal choice may vary based on your personal coverage needs and preferences.
Cheapest and Best Car Insurance in McAllen, TX (August 2024)
Our analysis of August 2024 quotes and customer surveys finds that Mercury offers McAllen, Texas's cheapest minimum coverage at $506 annually. The best car insurance is Chubb, scoring 91 (out of 100).
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Rae Osborn
Content Editor
Dr. Rae Osborn is a MoneyGeek content editor with over seven years of editing experience and over 20 years of experience in publishing and writing science content. She also works as a science researcher, writer and editor and a professional reviewer for Science Reviews and Advances in Entomology.
Mark Fitzpatrick
Head of Insurance, MoneyGeek
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including [CNBC](https://www.cnbc.com/2020/04/15/cant-keep-up-with-insurance-premiums-heres-what-to-do.html), [NBC News](https://www.nbcnews.com/business/autos/flooded-cars-are-problem-their-owners-future-car-buyers-n1278493) and [Mashable](https://mashable.com/article/tesla-insurance-rates). Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
Mark Friedlander
Director, Corporate Communications, Insurance Information Institute
Mark Friedlander has over 30 years of experience in financial services and insurance. He is the Director of Corporate Communications at the [Insurance Information Institute (III)](https://www.iii.org/) — a New York-based nonprofit research and education organization focused on providing consumers with a better understanding of insurance — serving as a national insurance industry media spokesperson for broadcast, digital and print outlets. Before joining the III, Friedlander held senior communications roles at Main Street America Insurance, Arthur Andersen LLP and Prudential Financial. His recent contributions and appearances include The Washington Post, The New York Times, Bloomberg, CNN, Fox Weather, the Associated Press, Reuters, National Public Radio (NPR), NBC News, ABC News, CNBC and many more national and regional news outlets. Friedlander holds a bachelor's degree in journalism and public relations from the Ohio State University.
Rae Osborn
Content Editor
Dr. Rae Osborn is a MoneyGeek content editor with over seven years of editing experience and over 20 years of experience in publishing and writing science content. She also works as a science researcher, writer and editor and a professional reviewer for Science Reviews and Advances in Entomology.
Updated: August 28, 2024
Advertising & Editorial Disclosure
Cheapest and Best Car Insurance in McAllen
Why Trust MoneyGeek? We analyzed 328,384 quotes in Texas, including the city of McAllen, from 14 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for McAllen insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in McAllen, TX as of August 2024.
Cheapest Minimum Liability Car Insurance in McAllen
MoneyGeek found that Mercury offers the cheapest car insurance in McAllen, ensuring affordability for drivers seeking minimum coverage.
- Mercury: $506 per year
- State Farm: $516 per year
In contrast, Dairyland has the most expensive minimum coverage policy in McAllen, with an annual premium of $1,817. The difference between the most affordable and the costliest provider is $1,311 annually, highlighting the importance of comparing car insurance rates to secure the best deal.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Mercury | Annual Premium$506 | Monthly Premium$42 |
State Farm | Annual Premium$516 | Monthly Premium$43 |
Texas Farm Bureau | Annual Premium$598 | Monthly Premium$50 |
Progressive | Annual Premium$640 | Monthly Premium$53 |
National General | Annual Premium$753 | Monthly Premium$63 |
AAA Texas | Annual Premium$811 | Monthly Premium$68 |
Allstate | Annual Premium$823 | Monthly Premium$69 |
Chubb | Annual Premium$879 | Monthly Premium$73 |
GEICO | Annual Premium$1,063 | Monthly Premium$89 |
Foremost | Annual Premium$1,352 | Monthly Premium$113 |
Nationwide | Annual Premium$1,487 | Monthly Premium$124 |
Dairyland | Annual Premium$1,817 | Monthly Premium$151 |
Cheapest Full Coverage Car Insurance in McAllen
MoneyGeek found that State Farm offers the cheapest full coverage car insurance in McAllen, ensuring that drivers can stay protected on the road without breaking the bank.
- State Farm: $1,113 per year
- Progressive: $1,175 per year
Dairyland has the most expensive full coverage policy in McAllen, costing $3,904 annually, which underscores the importance of comparing rates; the difference is a significant $2,791. Full coverage policies incorporate comprehensive and collision insurance, which are more costly than minimum coverage but provide more financial security against a range of risks.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
State Farm | Annual Premium$1,113 | Monthly Premium$93 |
Progressive | Annual Premium$1,175 | Monthly Premium$98 |
Texas Farm Bureau | Annual Premium$1,214 | Monthly Premium$101 |
AAA Texas | Annual Premium$1,605 | Monthly Premium$134 |
Allstate | Annual Premium$1,659 | Monthly Premium$138 |
National General | Annual Premium$1,742 | Monthly Premium$145 |
GEICO | Annual Premium$1,844 | Monthly Premium$154 |
Mercury | Annual Premium$1,887 | Monthly Premium$157 |
Chubb | Annual Premium$1,889 | Monthly Premium$157 |
Foremost | Annual Premium$2,777 | Monthly Premium$231 |
Nationwide | Annual Premium$3,138 | Monthly Premium$262 |
Dairyland | Annual Premium$3,904 | Monthly Premium$325 |
The MoneyGeek exemplary McAllen full coverage insurance plan enhances the usual liability coverages, providing $100,000 worth of protection against bodily injury liability per individual, $300,000 for bodily injury per incident and property damage liability of $100,000 per incident. This plan is often categorized as a 100/300/100 policy.
Full coverage insurance goes beyond more substantial liability limits and includes both comprehensive and collision coverages.
Collision Coverage: This type of insurance is designed to cover repairs or replacement of your vehicle in the event that it collides with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Coverage: This insurance pays for damages to your vehicle that occur due to non-collision events, such as theft or extreme weather conditions, natural disasters and being struck by an animal like a deer.
If you've invested in a new vehicle, opting for full coverage insurance is a wise decision to protect your asset. On the contrary, when it comes to older vehicles, the additional expense for this extensive protection may not be justifiable. When determining exactly how much car insurance you need, you must weigh the higher premiums associated with more comprehensive coverage against the risks posed by having insufficient coverage.
Cheapest Car Insurance in McAllen After a Driving Offense
MoneyGeek found that State Farm is the cheapest option in McAllen for most drivers with a poor driving record seeking a full coverage policy, regardless of the type of driving offense. Their rates are the most competitive for those with a speeding ticket, an at-fault accident, or a DUI.
- Speeding Ticket: State Farm ($1,113 per year)
- At-fault accident: State Farm ($1,363 per year)
- DUI: Progressive ($1,386 per year)
On the other hand, Nationwide and Dairyland tend to have the most expensive rates for these driving offenses in McAllen.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
State Farm | Annual Premium$1,113 | Monthly Premium$93 |
Texas Farm Bureau | Annual Premium$1,214 | Monthly Premium$101 |
Progressive | Annual Premium$1,501 | Monthly Premium$125 |
Allstate | Annual Premium$1,659 | Monthly Premium$138 |
AAA Texas | Annual Premium$2,045 | Monthly Premium$170 |
Chubb | Annual Premium$2,142 | Monthly Premium$178 |
GEICO | Annual Premium$2,160 | Monthly Premium$180 |
National General | Annual Premium$2,302 | Monthly Premium$192 |
Mercury | Annual Premium$2,717 | Monthly Premium$226 |
Foremost | Annual Premium$3,227 | Monthly Premium$269 |
Nationwide | Annual Premium$3,701 | Monthly Premium$308 |
Dairyland | Annual Premium$4,892 | Monthly Premium$408 |
Insurance premiums in McAllen escalate with the severity of a driving offense, reflecting the heightened risk insurers take on with those who have violated driving laws. For instance, drivers with a speeding ticket face an average annual premium of $3,289, whereas a DUI offense can raise this premium. It underscores the need for individuals with such infractions to diligently compare insurance rates, as finding the most competitive policy could result in substantial savings.
Cheapest Car Insurance in McAllen for Teens and Their Families
MoneyGeek found that State Farm offers the most affordable full coverage car insurance for male and female teens in McAllen. For budget-conscious families, keeping insurance costs low is crucial, especially when insuring high-risk drivers like teenagers. Here are the two most economical choices:
- State Farm: $1,886 per year for female teens and $2,280 per year for male teens
- Nationwide: $2,380 per year for female teens and $2,713 per year for male teens
These rates reflect the combined cost of insuring a pair of parents along with their teenage driver. Among the companies analyzed, Allstate has the most expensive policy for teen family coverage in McAllen, with annual premiums of $7,542 for females and $8,876 for males.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
State Farm | Family Plan Annual Premium$1,886 | Individual Plan Monthly Premium$2,647 |
Nationwide | Family Plan Annual Premium$2,380 | Individual Plan Monthly Premium$5,890 |
GEICO | Family Plan Annual Premium$3,245 | Individual Plan Monthly Premium$4,492 |
Progressive | Family Plan Annual Premium$3,866 | Individual Plan Monthly Premium$11,522 |
Foremost | Family Plan Annual Premium$4,246 | Individual Plan Monthly Premium$12,002 |
Allstate | Family Plan Annual Premium$7,542 | Individual Plan Monthly Premium$8,771 |
In McAllen and similar urban areas, young drivers face steep car insurance rates. A standalone teen policy averages $8,507 annually, contrasting sharply with $4,330 when added to a family plan. The substantial difference reflects the heightened risk insurers attribute to inexperienced drivers, who present a greater claim likelihood. For families, including a teen on a joint plan not only slashes costs but often proves more feasible in the insurance market.
Cheapest Car Insurance in McAllen for Military Drivers
MoneyGeek found that State Farm is the cheapest option in McAllen for veterans and military personnel looking for full coverage car insurance.
- State Farm: $1,113 per year
- Progressive: $1,175 per year
While State Farm offers the most affordable annual premium, the recognized insurer USAA ranks as the third cheapest at $1,306 annually. Despite not being the least expensive, USAA is specifically noted for its dedication to the needs of active duty military members, providing tailored services that accommodate their unique circumstances. For those with a military background seeking the cheapest car insurance for military backgrounds, USAA's reputation and customized offerings make it a strong contender.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
State Farm | Annual Premium$1,113 | Monthly Premium$93 |
Progressive | Annual Premium$1,175 | Monthly Premium$98 |
Texas Farm Bureau | Annual Premium$1,214 | Monthly Premium$101 |
USAA | Annual Premium$1,306 | Monthly Premium$109 |
AAA Texas | Annual Premium$1,605 | Monthly Premium$134 |
Allstate | Annual Premium$1,659 | Monthly Premium$138 |
National General | Annual Premium$1,742 | Monthly Premium$145 |
GEICO | Annual Premium$1,844 | Monthly Premium$154 |
Mercury | Annual Premium$1,887 | Monthly Premium$157 |
Chubb | Annual Premium$1,889 | Monthly Premium$157 |
Foremost | Annual Premium$2,777 | Monthly Premium$231 |
Nationwide | Annual Premium$3,138 | Monthly Premium$262 |
Dairyland | Annual Premium$3,904 | Monthly Premium$325 |
How to Compare Cheap McAllen Car Insurance Quotes Online
In McAllen, you can use MoneyGeek's car insurance calculator to get quotes. Simply input critical details such as age, driving history, credit score and desired coverage, and promptly receive a tailored rate estimate, thereby optimizing your time and savings on car insurance.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Oct 04, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in McAllen: Overview
Choosing the ideal auto insurance for you hinges on valuing factors such as service, cost and coverage. MoneyGeek's unique scoring system evaluates these elements individually. In McAllen, the leading providers per category are:
- Best overall: Chubb (MoneyGeek score 91)
- Best for service: Chubb (MoneyGeek score 92)
- Best cheap: Chubb (MoneyGeek score 88)
Since Chubb secures the top spot across all categories, it stands as the unrivaled option in McAllen for exceptional service, affordability, and overall value. Customers seeking the finest balance between quality and cost will find Chubb to meet a diverse range of auto insurance needs without compromising on either.
Overall Best Car Insurance in McAllen
MoneyGeek found that Chubb offers the best car insurance in McAllen, streamlining the selection process for discerning drivers seeking superior protection. For excellent coverage, you might want to consider the providers below:
- Chubb: MoneyGeek score of 91 out of 100 ($1,889 per year)
- State Farm: MoneyGeek score of 76 out of 100 ($1,113 per year)
Chubb stands out in McAllen with the highest MoneyGeek score, reflecting its exceptional customer satisfaction and claims ratings. This accolade underscores the company's commitment to offering a full coverage policy that meets the comprehensive needs of its clients.
Chubb's robust MoneyGeek score benefits particularly from its high satisfaction and claims scores, positioning it as a prime option for quality service and reliable claims processing. The company ensures two common coverages: rental car and/or travel reimbursement and roadside assistance, marking it as fully equipped for common driving concerns.
Moreover, Chubb offers diminished value coverage, a reasonably common coverage that can provide significant financial protection should your car's value depreciate after an accident, even with quality repairs. Its OEM coverage is particularly useful for those who prefer or require exact factory replacements for their vehicle parts during repairs.
Ranks first in the city for claims satisfaction
Ranks second in the city for general customer satisfactio.
Offers rare coverages like OEM coverage
Does not offer gap insurance
MoneyGeek ranks McAllen car insurers prioritizing customer satisfaction and cost-effectiveness, with claims processing, coverage options and fiscal health also key.
Best Car Insurance in McAllen for Customer Service
MoneyGeek found that Chubb is the best option in McAllen for car insurance when it comes to customer service. Their superior standing is reflected in their comprehensive approach to customer satisfaction, efficient claims handling, and robust coverage options.
- Chubb: MoneyGeek score of 92 out of 100 ($1,889 per year)
- Foremost: MoneyGeek score of 77 out of 100 ($2,777 per year)
Chubb distinguishes itself as the premier choice not only due to its high overall MoneyGeek score but particularly because of its exceptional customer satisfaction and claims service scores.
Chubb's high MoneyGeek score is primarily a result of its impressive satisfaction and claims scores, reflecting excellent customer experiences and claims handling processes. Chubb provides common coverages and OEM coverage. Additionally, Chubb's antique/classic car insurance is an option for those with vintage cars, promising specialized protection.
Ranks well in the city for general customer satisfaction
Ranks well in the city for claims satisfaction
Offers rare OEM coverage and common rental car/travel reimbursement
Does not offer gap insurance
MoneyGeek ranks McAllen car insurance focusing on customer satisfaction and efficient claims processing, with coverage options and financial health also important.
Best Cheap Car Insurance Companies in McAllen
MoneyGeek found that Chubb is the best option in McAllen for those seeking affordable and reliable car insurance. MoneyGeek's scoring system places a strong emphasis on affordability but also takes into account factors such as claims handling and customer satisfaction, which contribute to the overall experience.
- Chubb: MoneyGeek score of 88 out of 100 ($879 per year)
- Mercury: MoneyGeek score of 80 out of 100 ($506 per year)
Chubb stands out due to its superior blend of high customer satisfaction and claims handling scores, which is especially significant for its minimum coverage policies.
Chubb stands out for its exceptional claims handling and coverage, which significantly influenced its high MoneyGeek score. Drivers enjoy comprehensive coverage at a cost-effective rate. Chubb offers reasonably rare discounts, such as anti-lock brakes, enhancing driver safety and affordability. Chubb provides a breadth of savings opportunities, including bundling, multiple car and safe driving
Offers rare discounts like VIN etching and honing device
Ranks top in the city for claims satisfaction
Ranks second in the city for general customer satisfaction
MoneyGeek scores McAllen's top car insurance focusing on cost-effective minimum policies and customer satisfaction, while also considering claims efficiency, coverage options, and fiscal strength.
Average Cost of Car Insurance in McAllen
In McAllen, Texas, the average car insurance premium is $1,996, making it one of the highest in the state. When compared to the Texas state average of $1,782, insurance costs in Mcallen are higher by $214. Furthermore, Texas' state average is marginally above the national car insurance cost of $1,781 by just $1, demonstrating a negligible difference on a broader scale.
Location plays a pivotal role in determining car insurance premiums due to factors such as accident rates, theft statistics and population density, which all affect the likelihood of filing a claim. Non-city areas with lower traffic densities can have lower rates than urban areas.
Abilene | Annual Premium$1,484 |
Allen | Annual Premium$1,750 |
Amarillo | Annual Premium$1,790 |
Arlington | Annual Premium$1,740 |
Austin | Annual Premium$1,727 |
Beaumont | Annual Premium$1,851 |
Brownsville | Annual Premium$1,845 |
Carrollton | Annual Premium$1,882 |
College Station | Annual Premium$1,537 |
Corpus Christi | Annual Premium$1,664 |
Dallas | Annual Premium$1,966 |
Denton | Annual Premium$1,669 |
El Paso | Annual Premium$1,603 |
Fort Worth | Annual Premium$1,728 |
Frisco | Annual Premium$1,751 |
Garland | Annual Premium$1,971 |
Grand Prairie | Annual Premium$1,922 |
Houston | Annual Premium$2,177 |
Irving | Annual Premium$1,890 |
Killeen | Annual Premium$1,551 |
Laredo | Annual Premium$1,816 |
League City | Annual Premium$1,835 |
Lewisville | Annual Premium$1,700 |
Lubbock | Annual Premium$1,598 |
McAllen | Annual Premium$1,996 |
McKinney | Annual Premium$1,745 |
Mesquite | Annual Premium$1,960 |
Midland | Annual Premium$1,532 |
Odessa | Annual Premium$1,658 |
Pasadena | Annual Premium$1,906 |
Pearland | Annual Premium$1,967 |
Plano | Annual Premium$1,819 |
Richardson | Annual Premium$1,884 |
Round Rock | Annual Premium$1,620 |
San Angelo | Annual Premium$1,458 |
San Antonio | Annual Premium$1,791 |
Sugar Land | Annual Premium$1,868 |
The Woodlands | Annual Premium$1,877 |
Tyler | Annual Premium$1,635 |
Waco | Annual Premium$1,519 |
Wichita Falls | Annual Premium$1,414 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.