Compare Rates and Save on Auto Insurance

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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.

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2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$344

$29

State Farm

$369

$31

Allstate

$437

$36

Allstate

$449

$37

State Farm

$452

$38

Mercury

$463

$39

Mercury

$515

$43

Texas Farm Bureau

$518

$43

Allstate

$548

$46

AAA Texas

$579

$48

Texas Farm Bureau

$598

$50

AAA Texas

$598

$50

Mercury

$610

$51

Progressive

$644

$54

Progressive

$654

$55

Chubb

$669

$56

State Farm

$678

$56

Chubb

$734

$61

AAA Texas

$745

$62

GEICO

$746

$62

State Farm

$752

$63

Nationwide

$754

$63

Progressive

$775

$65

Texas Farm Bureau

$786

$65

National General

$790

$66

GEICO

$790

$66

Nationwide

$793

$66

National General

$816

$68

GEICO

$865

$72

Foremost

$873

$73

Allstate

$944

$79

State Farm

$953

$79

Texas Farm Bureau

$1,002

$84

National General

$1,004

$84

Dairyland

$1,008

$84

Mercury

$1,022

$85

Foremost

$1,048

$87

Allstate

$1,058

$88

Dairyland

$1,058

$88

Mercury

$1,077

$90

Nationwide

$1,085

$90

AAA Texas

$1,142

$95

AAA Texas

$1,167

$97

Foremost

$1,208

$101

Texas Farm Bureau

$1,214

$101

Nationwide

$1,241

$103

Dairyland

$1,246

$104

GEICO

$1,278

$107

Chubb

$1,290

$107

GEICO

$1,293

$108

Mercury

$1,386

$115

Chubb

$1,391

$116

Progressive

$1,410

$118

Allstate

$1,413

$118

Progressive

$1,459

$122

AAA Texas

$1,502

$125

GEICO

$1,506

$126

Texas Farm Bureau

$1,529

$127

Nationwide

$1,557

$130

Chubb

$1,621

$135

Dairyland

$1,656

$138

National General

$1,785

$149

Foremost

$1,797

$150

Progressive

$1,814

$151

Dairyland

$1,860

$155

Nationwide

$1,896

$158

National General

$1,954

$163

Foremost

$1,971

$164

Dairyland

$2,256

$188

National General

$2,268

$189

Foremost

$2,404

$200

Chubb

$2,477

$206

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.

Company
Annual Premium
Monthly Premium

State Farm

$344

$29

State Farm

$369

$31

Allstate

$437

$36

Allstate

$449

$37

State Farm

$452

$38

Mercury

$463

$39

Mercury

$515

$43

Texas Farm Bureau

$518

$43

Allstate

$548

$46

AAA Texas

$579

$48

Texas Farm Bureau

$598

$50

AAA Texas

$598

$50

Mercury

$610

$51

Progressive

$644

$54

Progressive

$654

$55

Chubb

$669

$56

State Farm

$678

$56

Chubb

$734

$61

AAA Texas

$745

$62

GEICO

$746

$62

State Farm

$752

$63

Nationwide

$754

$63

Progressive

$775

$65

Texas Farm Bureau

$786

$65

National General

$790

$66

GEICO

$790

$66

Nationwide

$793

$66

National General

$816

$68

GEICO

$865

$72

Foremost

$873

$73

Allstate

$944

$79

State Farm

$953

$79

Texas Farm Bureau

$1,002

$84

National General

$1,004

$84

Dairyland

$1,008

$84

Mercury

$1,022

$85

Foremost

$1,048

$87

Allstate

$1,058

$88

Dairyland

$1,058

$88

Mercury

$1,077

$90

Nationwide

$1,085

$90

AAA Texas

$1,142

$95

AAA Texas

$1,167

$97

Foremost

$1,208

$101

Texas Farm Bureau

$1,214

$101

Nationwide

$1,241

$103

Dairyland

$1,246

$104

GEICO

$1,278

$107

Chubb

$1,290

$107

GEICO

$1,293

$108

Mercury

$1,386

$115

Chubb

$1,391

$116

Progressive

$1,410

$118

Allstate

$1,413

$118

Progressive

$1,459

$122

AAA Texas

$1,502

$125

GEICO

$1,506

$126

Texas Farm Bureau

$1,529

$127

Nationwide

$1,557

$130

Chubb

$1,621

$135

Dairyland

$1,656

$138

National General

$1,785

$149

Foremost

$1,797

$150

Progressive

$1,814

$151

Dairyland

$1,860

$155

Nationwide

$1,896

$158

National General

$1,954

$163

Foremost

$1,971

$164

Dairyland

$2,256

$188

National General

$2,268

$189

Foremost

$2,404

$200

Chubb

$2,477

$206

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.

Company
Annual Premium
Monthly Premium

State Farm

$344

$29

State Farm

$369

$31

Allstate

$437

$36

State Farm

$443

$37

Allstate

$449

$37

State Farm

$452

$38

State Farm

$471

$39

Texas Farm Bureau

$518

$43

Allstate

$548

$46

State Farm

$563

$47

Texas Farm Bureau

$598

$50

Mercury

$655

$55

State Farm

$678

$56

Mercury

$682

$57

State Farm

$687

$57

State Farm

$715

$60

Chubb

$723

$60

Progressive

$723

$60

Allstate

$748

$62

State Farm

$752

$63

Allstate

$769

$64

Progressive

$771

$64

AAA Texas

$778

$65

Progressive

$781

$65

Texas Farm Bureau

$786

$65

Chubb

$794

$66

Allstate

$803

$67

AAA Texas

$803

$67

State Farm

$806

$67

Mercury

$809

$67

Mercury

$811

$68

Allstate

$824

$69

Progressive

$834

$70

Mercury

$839

$70

State Farm

$845

$70

GEICO

$857

$71

Progressive

$869

$72

AAA Texas

$874

$73

Mercury

$886

$74

National General

$897

$75

AAA Texas

$903

$75

Nationwide

$903

$75

GEICO

$909

$76

National General

$911

$76

AAA Texas

$917

$76

State Farm

$923

$77

National General

$926

$77

Progressive

$928

$77

Allstate

$939

$78

Nationwide

$941

$78

Texas Farm Bureau

$942

$79

Allstate

$944

$79

National General

$948

$79

AAA Texas

$948

$79

GEICO

$952

$79

State Farm

$953

$79

Foremost

$982

$82

Mercury

$996

$83

Chubb

$999

$83

Texas Farm Bureau

$1,002

$84

AAA Texas

$1,003

$84

Texas Farm Bureau

$1,005

$84

Allstate

$1,007

$84

Dairyland

$1,018

$85

Foremost

$1,037

$86

GEICO

$1,044

$87

Progressive

$1,054

$88

Allstate

$1,058

$88

Dairyland

$1,067

$89

Chubb

$1,098

$91

AAA Texas

$1,127

$94

National General

$1,138

$95

National General

$1,140

$95

State Farm

$1,144

$95

Progressive

$1,149

$96

GEICO

$1,149

$96

GEICO

$1,170

$98

AAA Texas

$1,183

$99

Foremost

$1,187

$99

Mercury

$1,190

$99

Texas Farm Bureau

$1,214

$101

Progressive

$1,220

$102

National General

$1,239

$103

Nationwide

$1,246

$104

State Farm

$1,256

$105

Dairyland

$1,257

$105

Foremost

$1,266

$105

Nationwide

$1,289

$107

National General

$1,296

$108

Mercury

$1,307

$109

Chubb

$1,308

$109

Foremost

$1,321

$110

Texas Farm Bureau

$1,325

$110

State Farm

$1,335

$111

Nationwide

$1,341

$112

Texas Farm Bureau

$1,350

$112

Dairyland

$1,367

$114

Foremost

$1,377

$115

GEICO

$1,377

$115

GEICO

$1,377

$115

Chubb

$1,394

$116

Mercury

$1,396

$116

Allstate

$1,413

$118

Chubb

$1,437

$120

Dairyland

$1,440

$120

AAA Texas

$1,481

$123

National General

$1,484

$124

Mercury

$1,495

$125

GEICO

$1,496

$125

Chubb

$1,502

$125

Allstate

$1,505

$125

AAA Texas

$1,507

$126

Dairyland

$1,511

$126

GEICO

$1,521

$127

Texas Farm Bureau

$1,529

$127

GEICO

$1,532

$128

Dairyland

$1,553

$129

State Farm

$1,556

$130

Texas Farm Bureau

$1,566

$131

Allstate

$1,580

$132

Mercury

$1,602

$134

Nationwide

$1,615

$135

Nationwide

$1,622

$135

Dairyland

$1,629

$136

AAA Texas

$1,637

$136

Allstate

$1,646

$137

Progressive

$1,657

$138

AAA Texas

$1,661

$138

Nationwide

$1,665

$139

Dairyland

$1,666

$139

Progressive

$1,680

$140

GEICO

$1,683

$140

Texas Farm Bureau

$1,688

$141

Nationwide

$1,698

$142

AAA Texas

$1,704

$142

Allstate

$1,716

$143

AAA Texas

$1,728

$144

Chubb

$1,752

$146

Mercury

$1,777

$148

Mercury

$1,783

$149

Dairyland

$1,784

$149

Progressive

$1,794

$149

GEICO

$1,821

$152

Progressive

$1,823

$152

Nationwide

$1,838

$153

Dairyland

$1,869

$156

Mercury

$1,877

$156

Texas Farm Bureau

$1,918

$160

GEICO

$1,928

$161

Chubb

$1,929

$161

AAA Texas

$1,947

$162

Nationwide

$1,947

$162

Progressive

$2,031

$169

Foremost

$2,037

$170

GEICO

$2,056

$171

Chubb

$2,079

$173

Texas Farm Bureau

$2,086

$174

National General

$2,093

$174

Mercury

$2,102

$175

AAA Texas

$2,149

$179

Foremost

$2,156

$180

Progressive

$2,167

$181

Nationwide

$2,180

$182

National General

$2,196

$183

Allstate

$2,202

$184

Nationwide

$2,212

$184

Texas Farm Bureau

$2,225

$185

AAA Texas

$2,239

$187

Foremost

$2,252

$188

Dairyland

$2,268

$189

Dairyland

$2,294

$191

Allstate

$2,300

$192

National General

$2,302

$192

Dairyland

$2,309

$192

Foremost

$2,314

$193

Progressive

$2,353

$196

GEICO

$2,361

$197

National General

$2,366

$197

Nationwide

$2,388

$199

Foremost

$2,403

$200

Chubb

$2,423

$202

GEICO

$2,423

$202

Texas Farm Bureau

$2,433

$203

Progressive

$2,446

$204

Chubb

$2,525

$210

GEICO

$2,528

$211

Dairyland

$2,564

$214

Mercury

$2,570

$214

Mercury

$2,574

$214

National General

$2,578

$215

Dairyland

$2,583

$215

Foremost

$2,651

$221

Texas Farm Bureau

$2,654

$221

Chubb

$2,677

$223

Dairyland

$2,717

$226

Chubb

$2,722

$227

Foremost

$2,744

$229

Progressive

$2,766

$230

Foremost

$2,770

$231

Nationwide

$2,774

$231

National General

$2,796

$233

Dairyland

$2,856

$238

National General

$2,918

$243

Foremost

$2,943

$245

Nationwide

$2,950

$246

Nationwide

$3,073

$256

National General

$3,152

$263

Chubb

$3,174

$265

National General

$3,280

$273

Texas Farm Bureau

$3,434

$286

Nationwide

$3,692

$308

Chubb

$3,705

$309

Foremost

$4,342

$362

Chubb

$4,852

$404

Foremost

$5,119

$427

Foremost

$5,183

$432

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$670

$3,178

State Farm

$781

$3,702

State Farm

$801

$4,322

State Farm

$841

$3,988

State Farm

$1,120

$3,817

State Farm

$1,226

$4,576

State Farm

$1,257

$4,286

State Farm

$1,328

$5,287

State Farm

$1,383

$4,715

State Farm

$1,472

$6,312

State Farm

$1,498

$5,589

State Farm

$1,537

$5,819

Nationwide

$1,561

$3,632

Nationwide

$1,580

$3,909

Nationwide

$1,650

$4,876

State Farm

$1,693

$7,166

Nationwide

$1,748

$5,600

Nationwide

$1,758

$4,089

Nationwide

$1,784

$4,565

State Farm

$1,829

$7,976

State Farm

$1,843

$6,975

Nationwide

$1,853

$4,311

Nationwide

$1,867

$4,619

State Farm

$1,881

$7,964

Nationwide

$1,884

$5,224

State Farm

$1,886

$8,818

Allstate

$1,914

$2,516

Nationwide

$1,980

$4,899

State Farm

$2,048

$8,957

Allstate

$2,061

$2,594

Progressive

$2,191

$3,443

GEICO

$2,200

$4,228

Nationwide

$2,217

$7,946

GEICO

$2,223

$5,103

GEICO

$2,228

$4,074

GEICO

$2,255

$4,333

GEICO

$2,260

$4,131

Nationwide

$2,263

$9,341

State Farm

$2,273

$9,942

GEICO

$2,275

$5,099

Progressive

$2,278

$5,641

State Farm

$2,280

$11,023

Progressive

$2,280

$3,405

GEICO

$2,308

$4,657

Nationwide

$2,313

$6,837

Allstate

$2,321

$3,052

GEICO

$2,354

$4,523

GEICO

$2,357

$4,671

Allstate

$2,358

$3,581

Nationwide

$2,380

$10,100

GEICO

$2,384

$4,358

Nationwide

$2,431

$10,036

Allstate

$2,475

$3,254

Progressive

$2,477

$6,107

Nationwide

$2,509

$10,164

Nationwide

$2,578

$11,823

Progressive

$2,600

$3,883

Nationwide

$2,604

$8,342

GEICO

$2,612

$6,834

GEICO

$2,634

$6,046

Progressive

$2,654

$4,170

Allstate

$2,707

$3,407

GEICO

$2,711

$6,960

Nationwide

$2,713

$12,791

Progressive

$2,723

$7,657

Foremost

$2,727

$4,541

Progressive

$2,745

$4,888

GEICO

$2,753

$6,172

Allstate

$2,765

$4,168

Nationwide

$2,772

$12,710

Progressive

$2,787

$5,285

Allstate

$2,796

$4,063

Progressive

$2,799

$6,932

Foremost

$2,802

$3,907

Progressive

$2,825

$4,218

GEICO

$2,833

$8,176

Progressive

$2,937

$4,614

Foremost

$2,938

$4,096

Foremost

$2,950

$4,299

GEICO

$2,952

$8,406

Foremost

$2,977

$4,150

Allstate

$2,982

$3,754

Foremost

$3,012

$5,170

Foremost

$3,044

$4,102

Progressive

$3,084

$8,740

GEICO

$3,159

$9,115

Progressive

$3,229

$7,963

GEICO

$3,245

$10,803

Allstate

$3,268

$4,747

Foremost

$3,272

$4,409

Foremost

$3,334

$4,861

GEICO

$3,342

$9,518

Foremost

$3,412

$4,598

GEICO

$3,435

$11,418

Progressive

$3,460

$15,716

Foremost

$3,598

$12,125

Foremost

$3,701

$12,287

Allstate

$3,716

$6,577

Foremost

$3,751

$12,639

Allstate

$3,828

$5,564

Progressive

$3,851

$17,639

Progressive

$3,866

$18,320

Foremost

$3,894

$12,928

Foremost

$3,991

$7,896

Foremost

$4,030

$7,999

Progressive

$4,106

$18,650

Foremost

$4,246

$18,164

Progressive

$4,253

$20,222

Allstate

$4,384

$7,787

Foremost

$4,418

$7,583

Foremost

$4,423

$18,844

Progressive

$4,494

$20,582

Foremost

$4,505

$7,503

Allstate

$4,524

$6,571

Allstate

$5,689

$7,928

Allstate

$6,688

$9,337

Allstate

$6,965

$9,706

Allstate

$7,542

$13,898

Allstate

$8,189

$11,433

Allstate

$8,876

$16,406

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.

Company
Annual Premium
Monthly Premium

State Farm

$344

$29

State Farm

$369

$31

Allstate

$437

$36

Allstate

$449

$37

State Farm

$452

$38

Mercury

$463

$39

USAA

$463

$39

USAA

$497

$41

Mercury

$515

$43

Texas Farm Bureau

$518

$43

Allstate

$548

$46

USAA

$559

$47

AAA Texas

$579

$48

Texas Farm Bureau

$598

$50

AAA Texas

$598

$50

Mercury

$610

$51

Progressive

$644

$54

Progressive

$654

$55

Chubb

$669

$56

State Farm

$678

$56

Chubb

$734

$61

AAA Texas

$745

$62

GEICO

$746

$62

State Farm

$752

$63

Nationwide

$754

$63

Progressive

$775

$65

Texas Farm Bureau

$786

$65

GEICO

$790

$66

National General

$790

$66

Nationwide

$793

$66

National General

$816

$68

GEICO

$865

$72

Foremost

$873

$73

Allstate

$944

$79

State Farm

$953

$79

Texas Farm Bureau

$1,002

$84

National General

$1,004

$84

Dairyland

$1,008

$84

USAA

$1,009

$84

USAA

$1,021

$85

Mercury

$1,022

$85

Foremost

$1,048

$87

Allstate

$1,058

$88

Dairyland

$1,058

$88

Mercury

$1,077

$90

Nationwide

$1,085

$90

AAA Texas

$1,142

$95

AAA Texas

$1,167

$97

Foremost

$1,208

$101

Texas Farm Bureau

$1,214

$101

Nationwide

$1,241

$103

Dairyland

$1,246

$104

USAA

$1,249

$104

GEICO

$1,278

$107

Chubb

$1,290

$107

GEICO

$1,293

$108

Mercury

$1,386

$115

Chubb

$1,391

$116

Progressive

$1,410

$118

Allstate

$1,413

$118

Progressive

$1,459

$122

AAA Texas

$1,502

$125

GEICO

$1,506

$126

Texas Farm Bureau

$1,529

$127

Nationwide

$1,557

$130

Chubb

$1,621

$135

Dairyland

$1,656

$138

National General

$1,785

$149

Foremost

$1,797

$150

Progressive

$1,814

$151

Dairyland

$1,860

$155

Nationwide

$1,896

$158

National General

$1,954

$163

Foremost

$1,971

$164

Dairyland

$2,256

$188

National General

$2,268

$189

Foremost

$2,404

$200

Chubb

$2,477

$206

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

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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

Offers the most affordable full coverage auto insurance

Good satisfaction score

Provides rideshare insurance and rental car reimbursement

cons

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

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

Excellent claims and customer satisfaction scores

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

cons

Lacks deductible modification, accident forgiveness and other common coverages

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

Affordable minimum coverage cost of $369 per year

Offers bundling, airbag and anti-lock brakes discounts

cons

Poor rating on claims management and coverage availability

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 is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.