Compare the Cheapest Car Insurance Quotes in McAllen

The annual average car insurance rate in McAllen is $1,505, which is 14.4% higher than the state average. The cheapest insurer is Farmers, offering auto insurance at roughly $866 yearly. To accommodate various drivers, MoneyGeek evaluated the cheapest insurance by coverage amount and driving history. MoneyGeek also ranked the best car insurance in McAllen by companies that balance affordability and quality.

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The Cheapest and Best Car Insurance in McAllen

The Cheapest Car Insurance Companies in McAllen

A full coverage policy can be the best car insurance option for drivers in McAllen, and MoneyGeek's research found that the most affordable companies research include:

  • Farmers: $866 per year
  • State Farm: $927 per year

The most expensive option in McAllen, The General, is 275.64% more expensive than Farmers. This underscores why drivers should compare car insurance quotes in McAllen before making a decision.

MoneyGeek examined car insurance companies in McAllen based on a 40-year-old male driver looking for a full coverage policy with liability insurance and comprehensive and collision insurance.

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Average Cost of Car Insurance in McAllen

McAllen$1,505
Texas$1,316
U.S.$1,424

Before buying a car, drivers should consider the average cost of car insurance in their area. In McAllen, drivers pay an average of $1,505 per year, which is 14.4% higher than the average cost of car insurance in Texas. Compared to the rest of the nation, McAllen drivers pay an average of 5.7% more.

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The Best Car Insurance Companies in McAllen

If you are looking for affordability and quality service, MoneyGeek’s unique rating system found the best options in McAllen are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

Note that USAA ranked highest, with a score of 100, but is only available for current and former military members.

Companies were ranked based on three criteria, including J.D. Power user satisfaction, affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:73

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in McAllen

MoneyGeek recommends that drivers compare car insurance quotes in McAllen frequently to get the best rates. A number of factors can affect rates and even qualify drivers for certain discounts, rebates or savings opportunities. Some factors insurers consider are age, gender, driving history and car make and model.

Shopping around for car insurance in McAllen could save you $639, which is enough to buy:


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213Cups of Coffee
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49Months of Your Favorite Streaming Service

Cheapest Car Insurance in McAllen by Coverage Amount

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

A policy’s coverage limits can affect car insurance rates in any state or city. In McAllen, a policy that only follows state minimum requirements costs $744 per year on average. Conversely, a full coverage policy with a 100/300/100 limit and a $1,000 deductible costs an average of $1,505 annually. This difference of $761 can better protect drivers in case of an accident.

A state minimum liability-only policy is the cheapest car insurance option that drivers can get. However, it only protects third parties in an accident. Full coverage policies may cost more but offer better protection.

In McAllen, a state minimum liability-only policy costs an average of $448 per year. Upping your limits to 50/100/50 costs roughly $32 more. This has $100,000 for total injuries in an accident with a $50,000 limit per person and $50,000 in property damage.

A full coverage 50/100/50 policy with comprehensive and collision insurance costs $800 annually on average. For drivers who want extra coverage, a 100/300/100 costs roughly $57 more annually.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in McAllen if You Have Driving Violations

A driver’s record can mean the difference between a cheap or expensive premium. Drivers who are insured by Farmers pay an average of $866 per year. If they have a speeding ticket or two, they may pay $281 more, while those involved in an at-fault accident may pay $349 more per year.

Drivers with a DUI are also likely to pay more. A DUI can lead to a suspended license and thousands of dollars in legal fines and costs. A DUI on your record can lead to an average of $403 more per year in premiums with Farmers.

Average Cost of Car Insurance by Postal Code

Car insurance quotes in McAllen can change based on a driver’s postal code. This is because certain neighborhoods may be more at risk for car-theft incidents or have a number of accident-prone areas.

However, ZIP codes make a minimal difference when it comes to car insurance rates in McAllen. The difference between the cheapest and most expensive postal codes, 78501 and 78405, is $20.

  • Zip Code
    State Minimumper year
  • 78501
    $1,495
  • 78504
    $1,515

Factors That Impact Insurance Costs in McAllen

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in McAllen. How McAllen ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities204th/300
handcuffs2 icon
Most Car Thefts27th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall192nd/300
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Most Rainy Days231st/300

Methodology and Assumptions

MoneyGeek’s average premium rates for McAllen are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers includes mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.


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