Compare McAllen, TX Car Insurance Rates (2021)

The cheapest McAllen, TX car insurance is from State Farm, although rates will vary by driver. Auto insurance in McAllen must meet the state requirements of 30/60/25 in liability coverage, but these limits are very low and drivers should consider adding additional coverage. Drivers in McAllen, TX spend around 25 minutes commuting, close to the national average.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 12, 2021

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Here's what you need to know...

  • State Farm offers the cheapest rates to all McAllen, TX drivers
  • McAllen is situated on the Mexican border with little traffic and vehicle theft
  • Texas only requires drivers to carry liability insurance

McAllen, TX car insurance is not much more expensive than the average cost of Texas car insurance. The lack of theft and traffic helps keep rates on the low side.

The best way to find affordable McAllen, TX car insurance is to shop around. Each company will offer a different rate so it’s important to compare multiple companies for the cheapest coverage.

Monthly McAllen, TX Car Insurance Rates by ZIP Code

Check out the monthly McAllen, TX auto insurance rates by ZIP Code below:

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McAllen, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my McAllen, TX stack up against other top metro auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare McAllen, TX car insurance quotes today.

What is the cheapest car insurance company in McAllen, TX?

Although USAA actually has the cheapest car insurance in McAllen, it only offers coverage to the military, veterans, and their families. The cheapest company that offers coverage to all drivers is State Farm.

Which McAllen, TX auto insurance company has the cheapest rates? And how do those rates compare against the average Texas auto insurance company rates? We’ve got the answers below.

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The top McAllen, TX car insurance companies listed from least to most expensive are:

  • USAA – $2,893.08
  • State Farm – $3,068.13
  • GEICO – $3,583.37
  • Progressive – $5,025.23
  • Nationwide – $5,978.78
  • American Family – $6,072.08
  • Allstate – $6,096.88

Auto insurance companies look at many different factors to calculate your rates. Your age, gender, driving record, and credit history are all used to determine your rates.

Where you live also makes a difference in your rates. Larger cities with more traffic and crime pay higher rates. For example, Houston car insurance rates are much higher than rates in McAllen.

McAllen, TX auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your McAllen auto insurance rates. Find the cheapest McAllen, TX auto insurance rates by coverage level below:

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Your credit score will play a major role in your McAllen auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest McAllen, TX auto insurance rates by credit score below.

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Your driving record will play a major role in your McAllen auto insurance rates. For example, other factors aside, a McAllen, TX DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest McAllen, TX auto insurance rates by driving record.

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Factors affecting auto insurance rates in McAllen, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap McAllen, Texas auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. Texas does use gender, so check out the average monthly auto insurance rates by age and gender in McAllen, TX.

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What car insurance coverage is required in McAllen, TX?

Most states require at least a minimum amount of car insurance coverage. Drivers in McAllen, TX must carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car, and personal injury protection covers your bodily injuries if you cause an accident.

Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature. This is especially helpful considering TX weather like hurricanes can damage your car.

Adding these coverages to your car insurance policy will ensure you are covered for damages.

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What affects car insurance rates in McAllen, TX?

Traffic can raise car insurance rates since more traffic can equal more accidents.

INRIX ranks McAllen as the 141st-most congested city in the U.S. This means that drivers don’t waste a lot of time sitting in traffic.

In fact, City-Data reports that drivers in McAllen, TX spend around 25 minutes commuting.

Although theft can increase auto insurance rates, drivers in McAllen don’t have much to worry about. According to the FBI, there were only 46 motor vehicle thefts in one year.

McAllen, TX Car Insurance: The Bottom Line

Car insurance in McAllen is affected by many factors such as your age, driving history, and where you live.

Before you buy McAllen, TX car insurance, shop around to find the cheapest coverage.

Enter your ZIP code now to compare McAllen, TX car insurance rates today.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly McAllen, TX Car Insurance Rates by ZIP Code
McAllen, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
McAllen, TX Car Insurance Rates by Company vs. City Average
Mcallen, TX Car Insurance Rates by Company and Age
The Cheapest McAllen, TX Car Insurance Rates by Coverage Level
The Cheapest McAllen, TX Car Insurance Rates by Credit Score
The Cheapest McAllen, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in McAllen, TX
Average Monthly Car Insurance Rates by Age & Gender in McAllen, TX
Monthly McAllen, TX Car Insurance Rates by ZIP Code
McAllen, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
McAllen, TX Car Insurance Rates by Company vs. City Average
Mcallen, TX Car Insurance Rates by Company and Age
The Cheapest McAllen, TX Car Insurance Rates by Coverage Level
The Cheapest McAllen, TX Car Insurance Rates by Credit Score
The Cheapest McAllen, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in McAllen, TX
Average Monthly Car Insurance Rates by Age & Gender in McAllen, TX