Cheapest and Best Car Insurance Companies in McAllen, TX


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ByMark Fitzpatrick
Edited byAshley Jacobs
ByMark Fitzpatrick
Edited byAshley Jacobs

Updated: May 20, 2024

Advertising & Editorial Disclosure

Your driving record and coverage needs may influence your choice of the most affordable insurance company in McAllen. State Farm is our top pick for the cheapest minimum coverage and full coverage policies. The insurer also offers the best rates for teenagers, drivers with offenses and those with a military connection. Chubb is our top pick for service.

MoneyGeek Logo IconCheapest + BestCar InsuranceMcAllen
2024

Cheapest and Best Car Insurance in McAllen, TX

Why Trust MoneyGeek? We utilized data from the Texas Department of Insurance and Quadrant Information Services to analyze insurance companies. We selected top insurers based on our exclusive ranking system.

328,384Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in McAllen

The lowest premiums for a minimum auto insurance policy in McAllen are from the following companies:

  • State Farm: $369 per year
  • Allstate: $437 per year

Dairyland has the highest average annual premium at $1,958 for the minimum policy. Meanwhile, Texas Farm Bureau is the most affordable auto insurance carrier in Texas, costing an average of $339 a year as of October 2022, illustrating that your location can impact your premiums.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
State FarmAnnual Premium$369Monthly Premium$31
AllstateAnnual Premium$437Monthly Premium$36
MercuryAnnual Premium$463Monthly Premium$39
AAA TexasAnnual Premium$579Monthly Premium$48
Texas Farm BureauAnnual Premium$598Monthly Premium$50
ProgressiveAnnual Premium$644Monthly Premium$54
ChubbAnnual Premium$734Monthly Premium$61
GEICOAnnual Premium$746Monthly Premium$62

Texas car insurance requirements dictate that a minimum coverage policy contain bodily injury and property damage liability protection with the following limits:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

The limits indicate that the insurer will only cover a maximum of $30,000 for each individual injured and a maximum of $60,000 in an accident. Also included is a maximum of $25,000 for any property damaged in a single accident. If your costs exceed these limits, you will pay for the balance out of pocket.

Cheapest Full Coverage Car Insurance in McAllen

The cheapest full coverage car insurance policies in McAllen, based on our ranking system, are from the following two companies:

  • State Farm: $752 per year
  • Mercury: $1,022 per year

Dairyland is the city’s most costly insurer, charging $1,860 yearly, on average. At an average annual cost of $760, Texas Farm Bureau is the cheapest full coverage auto insurance provider in Texas as of October 2022. This rate is slightly lower than the average cost for the city. Your location can influence how much you pay for auto insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$752Monthly Premium$63
MercuryAnnual Premium$1,022Monthly Premium$85
AllstateAnnual Premium$1,058Monthly Premium$88
AAA TexasAnnual Premium$1,167Monthly Premium$97
Texas Farm BureauAnnual Premium$1,214Monthly Premium$101
GEICOAnnual Premium$1,278Monthly Premium$107
ProgressiveAnnual Premium$1,459Monthly Premium$122
NationwideAnnual Premium$1,557Monthly Premium$130

Full coverage auto insurance offers collision and comprehensive insurance in addition to liability coverage.

  • Collision Insurance: If you hit an object or another car in an accident, collision insurance pays to replace or repair your car.
  • Comprehensive Insurance: If your car gets damaged due to natural disasters, theft or other non-collision incidents, comprehensive coverage pays the repair and replacement costs.

Getting a full coverage policy for an older car may not be realistic since it might be worth more than the value of your vehicle.

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Cheapest Car Insurance in McAllen After a Driving Offense

The following car insurance companies offer the lowest premiums in McAllen after a traffic violation:

  • Speeding ticket: State Farm ($752 per year)
  • At-fault accident: State Farm ($923 per year)
  • DUI: State Farm ($1,335 per year)

The most expensive insurer if you have an at-fault accident is Foremost at around $4,342. National General is the most expensive after a ticket, at around $2,302 annually. Chubb is the priciest if you have a DUI at roughly $3,174 per year.

Auto insurance premiums vary substantially based on your driving background. The cheapest insurer for a bad driving record is generally more expensive than the amount safe drivers pay for the same coverage.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$752Monthly Premium$63
AllstateAnnual Premium$1,058Monthly Premium$88
Texas Farm BureauAnnual Premium$1,214Monthly Premium$101
MercuryAnnual Premium$1,495Monthly Premium$125
GEICOAnnual Premium$1,496Monthly Premium$125
AAA TexasAnnual Premium$1,507Monthly Premium$126
ChubbAnnual Premium$1,752Monthly Premium$146
ProgressiveAnnual Premium$1,794Monthly Premium$149

Traffic violations often correlate with higher car insurance costs. How much you pay will also vary depending on the severity of the incident.

For example, a driver in McAllen with a speeding ticket will pay around $264 more than drivers with clean records annually. Drivers with DUIs could pay roughly $689 more. Luckily, you can get affordable auto insurance with a bad driving record by comparing quotes across insurers.

Cheapest Car Insurance in McAllen for Teens and Their Families

The car insurance providers to consider for the cheapest full coverage family policies for teen drivers are:

  • State Farm: $1,886 per year for female teens and $2,280 per year for male teens
  • Nationwide: $2,280 per year for female teens and $2,713 per year for male teens

Allstate charges the highest premiums for teens on a family policy, with $7,542 as the average annual cost for female teens and $8,876 for male teens. For most insurers, rates are higher for male teens since they are riskier to insure than female teenagers. The price difference of $394 with State Farm demonstrates this difference. However, the gap narrows in early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$1,886Individual Plan Monthly Premium$8,818
NationwideFamily Plan Annual Premium$2,380Individual Plan Monthly Premium$10,100
GEICOFamily Plan Annual Premium$3,245Individual Plan Monthly Premium$10,803
ProgressiveFamily Plan Annual Premium$3,866Individual Plan Monthly Premium$18,320
ForemostFamily Plan Annual Premium$4,246Individual Plan Monthly Premium$18,164
AllstateFamily Plan Annual Premium$7,542Individual Plan Monthly Premium$13,898

It is more cost-friendly to add teenagers to a family insurance policy than to buy a separate policy for them. In McAllen, a male teen will pay $3,267 more for their own policy vs. being included on their parent’s plan. You can save a few dollars on your premium if you identify the best cheap auto insurance for teens in the city.

Cheapest Car Insurance in McAllen for Military Drivers

The top two affordable car insurance companies for military persons together with their families in McAllen for a full coverage policy are:

  • State Farm: $752 per year
  • USAA: $1,021 per year

USAA offers policies customized exclusively to military members. For a minimum coverage policy, the most affordable providers are State Farm at around $369 per year and Allstate at roughly $437 per year. Note that for minimum coverage, Allstate is cheaper than USAA, ranking second.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$752Monthly Premium$63
USAAAnnual Premium$1,021Monthly Premium$85
MercuryAnnual Premium$1,022Monthly Premium$85
AllstateAnnual Premium$1,058Monthly Premium$88
AAA TexasAnnual Premium$1,167Monthly Premium$97
Texas Farm BureauAnnual Premium$1,214Monthly Premium$101
GEICOAnnual Premium$1,278Monthly Premium$107
ProgressiveAnnual Premium$1,459Monthly Premium$122

How to Compare Cheap McAllen Car Insurance Quotes Online

Obtaining an auto insurance policy online entails filling out a form with several personal details, and the process can last up to 15 minutes per insurance provider. It may take a long time to manually compare costs and find the most affordable insurer for your needs.

MoneyGeek’s car insurance calculator simplifies the process. Using the calculator, you can quickly get cost estimates from your preferred providers based on your age, driving record, coverage amount and vehicle model.

Car Insurance Calculator

MoneyGeeks'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.

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Rates updated:

Jun 13, 2024

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Best Car Insurance in McAllen: Summary

The best auto insurance provider in McAllen will vary based on your preferences. Our top picks for different categories are:

  • Best overall: State Farm (MoneyGeek score 76 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: State Farm (MoneyGeek score 78 out of 100)

An insurer’s score may vary depending on category weightings. Texas Farm Bureau Group ranks as the best auto insurance company in Texas. The best company can vary by location. For drivers with a military background, USAA offers the best coverage, scoring 77 out of 100.

Best Overall Car Insurance in McAllen

The following insurance providers emerged as the best options in McAllen for a full coverage policy:

  • State Farm: MoneyGeek score 76 out of 100 ($752 per year)
  • Texas Farm Bureau Group: MoneyGeek score 68 out of 100 ($1,214 per year)

State Farm has the most affordable policies and good customer service. This shows that customers will not spend much to get quality service from the company.

The best insurer if you have a military affiliation is USAA, which scored 77 out of 100 on MoneyGeek’s ranking system.

How was this MoneyGeek score calculated?

State Farm

pros

checkmark

Offers the most affordable full coverage auto insurance

checkmark

Good satisfaction score

checkmark

Provides rideshare insurance and rental car reimbursement

cons

close

No new car replacement, better car replacement, deductible modification, accident forgiveness or gap insurance offered

close

Low claims management score

COMPANY HIGHLIGHTS

State Farm is the best insurer for balancing excellent pricing and customer service for most types of McAllen drivers.

If you use your car as a rideshare driver, your standard policy may not offer the kind of protection you need. With State Farm, you can extend your coverage using the insurer’s rideshare driver coverage offered at affordable costs.

This coverage ensures you receive emergency roadside assistance, rental car reimbursement and medical coverage as you work for a Transportation Network Company (TNC). All coverages will apply when you are still available for hire on the TNC app and exclude liability coverage after you get matched with a passenger.

Additionally, a separate rental car reimbursement coverage is available to pay for travel costs if you get involved in an accident while in a rental car.

Read MoneyGeek's State Farm Auto Insurance Review

Best Car Insurance in McAllen for Customer Service

Taking into account customer service without regard for the cost of coverage, we found that the insurance companies that stand out in McAllen for a full coverage policy are:

  • Chubb: MoneyGeek score 76 out of 100 ($1,621 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($1,797 per year)

Compared to other insurers on our scoring system, Chubb ranked well in satisfaction and claims. That means the insurer is more likely to address your claims and customer complaints more quickly. It did score lower in affordability, indicating you will pay more for excellent service.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Excellent claims and customer satisfaction scores

checkmark

Offers rental car reimbursement and original equipment manufacturer (OEM) coverage

cons

close

Lacks deductible modification, accident forgiveness and other common coverages

close

Low affordability and coverage scores

COMPANY HIGHLIGHTS

Chubb ranks the highest for claims management and is the third-best for customer service, according to NAIC and J.D Power scores.

Chubb offers rental car reimbursement that allows you to rent a car similar to the one you own if it’s in the shop being repaired due to a covered event. This comes with optional coverage limits of up to $5,000 and no per-day limits.

The insurer’s original equipment manufacturer (OEM) coverage allows you to replace your vehicle’s damaged parts with original parts to ensure your car works properly. This ensures your car will remain safe to drive after an accident and is something not every insurer offers.

Chubb also offers coverage to drivers who have antique or older vehicles that are at least 30 years of age.

Best Cheap Car Insurance in McAllen

The best auto insurance companies in McAllen based on the average cost and service quality for a policy that meets the Texas state minimum requirements are:

  • State Farm: MoneyGeek score 78 out of 100 ($369 per year)
  • Allstate: MoneyGeek score 72 out of 100 ($437 per year)

Regardless of the lowest rates, the most affordable minimum coverage policies in McAllen provide the least protection against bodily injury and property damage liability costs. They also do not cover damages to your own car in the event of an accident.

How was this MoneyGeek score calculated?

State Farm

pros

checkmark

Affordable minimum coverage cost of $369 per year

checkmark

Offers bundling, airbag and anti-lock brakes discounts

cons

close

Poor rating on claims management and coverage availability

close

Lacks paperless and pay-in-full discounts

COMPANY HIGHLIGHTS

State Farm combines the lowest rates with an array of discounts, including rare and unique ones.

A bundling discount is available if you purchase renters, home, condo or life insurance alongside your auto insurance policy. Policyholders or new customers who stay for three continuous years without a severe violation can also benefit from lower costs through a safe driving discount from the insurer.

Policies with a student driver who has a B average, 3.0 GPA or ranking in the top 20% of their class also feature lower rates. There is even a discount for those who insure multiple cars.

If you are a senior driver, own a new vehicle made in 1994 or after or have anti-lock brakes installed in your car and need the most affordable minimum coverage, you qualify for reduced coverage rates from State Farm. You may also pay lower premiums if you have factory-installed daytime running lights.

Read MoneyGeek's State Farm Auto Insurance Review

Average Cost of Car Insurance in McAllen

The average car insurance price in McAllen is $1,364 per year, which is more than the national average yearly cost by $99. It is also higher than the average cost of auto insurance in Texas by $163 as of October 2022. Location and several other factors may cause a difference in auto insurance rates.

These average costs are for a full coverage car insurance policy with bodily injury liability protection of $100,000 per person up to $300,000 per accident and $100,000 per accident for property damage liability.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.