Cheapest and Best Car Insurance in McAllen, TX (August 2024)


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Updated: August 28, 2024

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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.

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2024

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.

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These rates reflect the cheapest car insurance quotes in McAllen, TX as of August 2024.

328,384Quotes Analyzed
 
14Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
MercuryAnnual Premium$506Monthly Premium$42
State FarmAnnual Premium$516Monthly Premium$43
Texas Farm BureauAnnual Premium$598Monthly Premium$50
ProgressiveAnnual Premium$640Monthly Premium$53
National GeneralAnnual Premium$753Monthly Premium$63
AAA TexasAnnual Premium$811Monthly Premium$68
AllstateAnnual Premium$823Monthly Premium$69
ChubbAnnual Premium$879Monthly Premium$73
GEICOAnnual Premium$1,063Monthly Premium$89
ForemostAnnual Premium$1,352Monthly Premium$113
NationwideAnnual Premium$1,487Monthly Premium$124
DairylandAnnual Premium$1,817Monthly 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$1,113Monthly Premium$93
ProgressiveAnnual Premium$1,175Monthly Premium$98
Texas Farm BureauAnnual Premium$1,214Monthly Premium$101
AAA TexasAnnual Premium$1,605Monthly Premium$134
AllstateAnnual Premium$1,659Monthly Premium$138
National GeneralAnnual Premium$1,742Monthly Premium$145
GEICOAnnual Premium$1,844Monthly Premium$154
MercuryAnnual Premium$1,887Monthly Premium$157
ChubbAnnual Premium$1,889Monthly Premium$157
ForemostAnnual Premium$2,777Monthly Premium$231
NationwideAnnual Premium$3,138Monthly Premium$262
DairylandAnnual Premium$3,904Monthly 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$1,113Monthly Premium$93
Texas Farm BureauAnnual Premium$1,214Monthly Premium$101
ProgressiveAnnual Premium$1,501Monthly Premium$125
AllstateAnnual Premium$1,659Monthly Premium$138
AAA TexasAnnual Premium$2,045Monthly Premium$170
ChubbAnnual Premium$2,142Monthly Premium$178
GEICOAnnual Premium$2,160Monthly Premium$180
National GeneralAnnual Premium$2,302Monthly Premium$192
MercuryAnnual Premium$2,717Monthly Premium$226
ForemostAnnual Premium$3,227Monthly Premium$269
NationwideAnnual Premium$3,701Monthly Premium$308
DairylandAnnual Premium$4,892Monthly 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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$1,886Individual Plan Monthly Premium$2,647
NationwideFamily Plan Annual Premium$2,380Individual Plan Monthly Premium$5,890
GEICOFamily Plan Annual Premium$3,245Individual Plan Monthly Premium$4,492
ProgressiveFamily Plan Annual Premium$3,866Individual Plan Monthly Premium$11,522
ForemostFamily Plan Annual Premium$4,246Individual Plan Monthly Premium$12,002
AllstateFamily Plan Annual Premium$7,542Individual 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$1,113Monthly Premium$93
ProgressiveAnnual Premium$1,175Monthly Premium$98
Texas Farm BureauAnnual Premium$1,214Monthly Premium$101
USAAAnnual Premium$1,306Monthly Premium$109
AAA TexasAnnual Premium$1,605Monthly Premium$134
AllstateAnnual Premium$1,659Monthly Premium$138
National GeneralAnnual Premium$1,742Monthly Premium$145
GEICOAnnual Premium$1,844Monthly Premium$154
MercuryAnnual Premium$1,887Monthly Premium$157
ChubbAnnual Premium$1,889Monthly Premium$157
ForemostAnnual Premium$2,777Monthly Premium$231
NationwideAnnual Premium$3,138Monthly Premium$262
DairylandAnnual Premium$3,904Monthly 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

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Rates updated:

Oct 04, 2024

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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.

Company logo for Chubb
Best OverallChubb
MoneyGeek Score:
91/ of 100

Satisfaction Score34
Affordability Score25
Claims Score20
Coverage Score7
Stability Score5
Overview

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.

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.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
92/ of 100

Satisfaction Score44
Claims Score30
Coverage Score13
Stability Score5
Overview

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.

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.

Company logo for Chubb
Chubb
MoneyGeek Score:
88/ of 100

Overview

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

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.

AbileneAnnual Premium$1,484
AllenAnnual Premium$1,750
AmarilloAnnual Premium$1,790
ArlingtonAnnual Premium$1,740
AustinAnnual Premium$1,727
BeaumontAnnual Premium$1,851
BrownsvilleAnnual Premium$1,845
CarrolltonAnnual Premium$1,882
College StationAnnual Premium$1,537
Corpus ChristiAnnual Premium$1,664
DallasAnnual Premium$1,966
DentonAnnual Premium$1,669
El PasoAnnual Premium$1,603
Fort WorthAnnual Premium$1,728
FriscoAnnual Premium$1,751
GarlandAnnual Premium$1,971
Grand PrairieAnnual Premium$1,922
HoustonAnnual Premium$2,177
IrvingAnnual Premium$1,890
KilleenAnnual Premium$1,551
LaredoAnnual Premium$1,816
League CityAnnual Premium$1,835
LewisvilleAnnual Premium$1,700
LubbockAnnual Premium$1,598
McAllenAnnual Premium$1,996
McKinneyAnnual Premium$1,745
MesquiteAnnual Premium$1,960
MidlandAnnual Premium$1,532
OdessaAnnual Premium$1,658
PasadenaAnnual Premium$1,906
PearlandAnnual Premium$1,967
PlanoAnnual Premium$1,819
RichardsonAnnual Premium$1,884
Round RockAnnual Premium$1,620
San AngeloAnnual Premium$1,458
San AntonioAnnual Premium$1,791
Sugar LandAnnual Premium$1,868
The WoodlandsAnnual Premium$1,877
TylerAnnual Premium$1,635
WacoAnnual Premium$1,519
Wichita FallsAnnual Premium$1,414

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.