bestauto insuranceMcAllenCompare the Cheapest Car Insurance Quotes in McAllen, TX
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Although your average quoted premium will change based on your unique personal profile and liability limits you select, for most drivers, Farmers has the cheapest full coverage and state minimum vehicle insurance in McAllen. If you’re a driver with a speeding ticket, you’ll save the most money if you get insurance through State Farm. For members of the military, USAA also offers affordable coverage. Still, MoneyGeek recommends State Farm as the city’s best overall insurance company for its balance of competitive pricing and excellent customer service.
bestauto insuranceMcAllenThe Cheapest and Best Car Insurance in McAllen
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - State Farm
Best Overall - State Farm
The Cheapest Car Insurance Companies in McAllen
On average, the two insurers offering the cheapest full coverage car insurance in McAllen are:
- Farmers: $866 annually
- State Farm: $927 annually
If you come from a military family, USAA is also an affordable option. You can purchase a policy with an average annual premium of $951 per year.
At $866, Farmers is the cheapest car insurance company in the city, with an average yearly rate of about 275% less than The General, the most expensive insurer in McAllen for full coverage. Comprehensive and collision coverages are included in full coverage insurance policies, and the annual premiums can vary depending on the liability insurance you select.
Cheapest Car Insurance in McAllen
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$866
- 2.$927
- 3.$951
- 4.$1,001
- 5.$1,176
As explained in our methodology, MoneyGeek collected and analyzed average insurance rates in McAllen for our sample driver: a 40-year-old male with a full coverage policy, including comprehensive and collision coverage.
Although comprehensive and collision coverages are much more costly than state minimum liability, full coverage auto insurance includes both comprehensive and collision. This can be critical if your car is damaged since it protects you from high and unexpected out-of-pocket repair costs.
- Collision insurance: covers the cost to repair damage to your car in the event of a collision
- Comprehensive insurance: protects you against the cost of car repair for non-collision–related damage, such as hail, theft or vandalism
If you own an older car, note that the premiums for full coverage car insurance may wind up costing you more than your car’s replacement value. This is when liability-only or state minimum coverage may be a good alternate option.
Compare Car Insurance Rates in McAllen
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in McAllen for Minimum Coverage
State minimum or liability-only insurance is always cheaper than full coverage policies. The cheapest car insurance in McAllen for state minimum is available from:
- Farmers: $448 per year
- State Farm: $506 per year
The annual cost of minimum auto insurance through USAA is on average $458 per year, making it the second most affordable choice in McAllen. However, it is exclusive to former and current military and their families. Farmers’ yearly premium for minimum coverage is approximately $837 less than the most expensive provider, The General, at $1,258.
Although minimum coverage policies are the least expensive option, they also exclude comprehensive and collision coverage and provide much lower liability limits. This puts you at risk of not having enough coverage in the event of an accident.
The table below illustrates how rates change when you increase your liability limits.
Cheapest Minimum Liability Car Insurance in McAllen
State Minimum
- CompanyState Minimumper year
- 1.$448
- 2.$458
- 3.$506
- 4.$575
- 5.$588
Texas law requires drivers to carry state minimum coverage of 30/60/25. This is the cheapest car insurance option in McAllen, which is reflected in lower premiums. If you’re in an accident, though, you risk having to pay a hefty amount not covered by your insurance company.
For instance, if you’re at fault in an accident and the other party’s total medical bills are $40,000, a minimum coverage policy would only cover up to $30,000. You’d have to pay the remaining $10,000 yourself.
Texas Minimum Liability Requirements
- ItemDescription
- 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.
Cheapest Car Insurance in McAllen if You Have Driving Violations
Your car insurance premium is affected by your driving record. Violations, such as speeding tickets, at-fault accidents and DUIs, result in higher costs.
Based on your specific violation, the following insurance providers offer the most affordable rates on average in McAllen:
- Cheapest after a ticket: State Farm, $927 per year
- Cheapest after an at-fault accident: State Farm, $1,116 per year
- Cheapest after a DUI: Farmers, $1,269 per year
The best way to reduce your premiums if you have violations on your record is to improve your driving history. Because that takes time, you should shop around for quotes right after a ticket or an accident to see which car insurance companies in McAllen offer the most affordable rates for drivers with bad records.
Cheapest Car Insurance in McAllen With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$927
- 2.$1,070
- 3.$1,147
- 4.$1,174
- 5.$1,230
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 with the rest of the nation, McAllen drivers pay an average of 5.7% more.
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.
Compare Car Insurance Rates in McAllen
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in McAllen
MoneyGeek evaluated the best auto insurance companies in Mcallen, Texas, based on claims rating, user satisfaction and average cost. Based on this analysis, we identified that the top-rated insurance providers in Mcallen are:
- State Farm: MoneyGeek score of 95 out of 100
- Farmers: MoneyGeek score of 93 out of 100
USAA received a high MoneyGeek score of 94 out of 100, but it was not included in our overall ranking as its policies are only available to military members and their families. However, it’s the second-best insurance company in McAllen for current and former members of the military.
1
State Farm
Score:95
State Farm received high MoneyGeek scores for claims and customer satisfaction. It also received a near-perfect affordability score. A full coverage insurance policy for a 40-year-old driver in McAllen only costs $927 per year. Rideshare insurance, an uncommon add-on coverage, is available with this insurer.
More About State Farm
State Farm’s rideshare insurance is ideal for drivers who work for rideshare companies, such as Uber or Lyft. For an additional cost of 15% to 25% of the driver’s insurance premium, drivers of rideshare companies can ensure that all of the coverages in their personal auto insurance policy, aside from liability insurance, will remain in effect while they’re transporting a rider. Two more commonly offered, but still valuable, coverage options from State Farm are roadside assistance and rental car and/or travel reimbursement coverage.
Read MoneyGeek's State Farm auto Insurance Review2
Farmers
Score:93
Farmers received high MoneyGeek scores for claims, customer satisfaction and affordability. The average annual cost for full coverage policy is $866. For a low cost, the insurer offers three coverages rarely offered by other providers: original equipment manufacturer (OEM), custom parts coverage and glass deductible modification.
More About Farmers
Farmers’ OEM coverage covers the cost of using factory-original parts in vehicles that are less than 10 years old. Custom parts coverage also helps policyholders save money by covering repairs to aftermarket equipment upgrades like infotainment systems and custom wheels. With glass deductible modification coverage, a policyholder’s comprehensive deductible is reduced to $100 if the loss is limited to glass.
Read MoneyGeek's Farmers auto Insurance Review3
GEICO
Score:88
4
AAA
Score:82
5
Allstate
Score:79
6
Nationwide
Score:58
7
Mercury
Score:57
8
Esurance
Score:53
9
MetLife
Score:41
10
The General
Score:2
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 CodeState 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.
About Mark Fitzpatrick
sources
- Kaiser Family Foundation. "2019 Employer Health Benefits Survey." Accessed January 16, 2020.