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.
Cheapest and Best Car Insurance in McAllen, TX
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.
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.
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.
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.
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.
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.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
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?
Offers the most affordable full coverage auto insurance
Good satisfaction score
Provides rideshare insurance and rental car reimbursement
No new car replacement, better car replacement, deductible modification, accident forgiveness or gap insurance offered
Low claims management score
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.
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?
Excellent claims and customer satisfaction scores
Offers rental car reimbursement and original equipment manufacturer (OEM) coverage
Lacks deductible modification, accident forgiveness and other common coverages
Low affordability and coverage scores
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?
Affordable minimum coverage cost of $369 per year
Offers bundling, airbag and anti-lock brakes discounts
Poor rating on claims management and coverage availability
Lacks paperless and pay-in-full discounts
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.
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