Compare Mcallen, TX Car Insurance Rates [2024]
Car insurance in Mcallen, TX averages $389 a month. Mcallen, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Mcallen car insurance rates, compare quotes from the top car insurance companies in Mcallen, TX.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in McAllen for teen drivers is USAA
- The cheapest ZIP code in McAllen is 78501
- Average car insurance rates in McAllen, TX after a DUI are $5,341/year
If you need to buy McAllen, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in McAllen, TX is right here.
You’ll find McAllen car insurance rates, the cheapest McAllen, TX car insurance companies, and information on Texas car insurance laws. You can also compare McAllen, Texas car insurance rates to San Antonio car insurance rates, Laredo car insurance rates, and Arlington car insurance rates.
Ready to find affordable McAllen, TX car insurance today? Enter your ZIP code for fast, free McAllen car insurance quotes.
Cheapest McAllen, TX Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect McAllen, TX car insurance rates? Every McAllen, Texas car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,984 | $4,026 | $3,934 | $3,934 | $10,333 | $12,497 | $4,925 | $5,141 |
| American Family | $3,918 | $4,331 | $3,448 | $3,936 | $9,235 | $12,106 | $5,438 | $6,166 |
| Geico | $2,675 | $2,919 | $2,650 | $3,090 | $5,799 | $5,882 | $2,874 | $2,777 |
| Nationwide | $3,783 | $3,862 | $3,324 | $3,545 | $10,482 | $13,598 | $4,422 | $4,815 |
| Progressive | $2,782 | $2,646 | $2,450 | $2,511 | $10,993 | $12,245 | $3,275 | $3,299 |
| State Farm | $2,163 | $2,163 | $1,920 | $1,920 | $5,120 | $6,503 | $2,348 | $2,408 |
| USAA | $1,863 | $1,889 | $1,787 | $1,797 | $5,071 | $5,546 | $2,495 | $2,698 |
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Minimum Car Insurance in McAllen, TX
Every driver must carry the minimum car insurance required by the state in McAllen, TX. Take a look at the Texas car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
Cheapest McAllen, TX Car Insurance Rates by Credit Score
Your credit affects car insurance costs in McAllen, TX. If your credit is good, you may be able to get a good credit discount. Compare credit history car insurance rates in McAllen from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,765 | $5,673 | $4,853 |
| American Family | $8,463 | $5,228 | $4,525 |
| Geico | $5,542 | $3,128 | $2,080 |
| Nationwide | $7,233 | $5,731 | $4,973 |
| Progressive | $5,712 | $4,873 | $4,491 |
| State Farm | $4,349 | $2,703 | $2,152 |
| USAA | $4,230 | $2,461 | $1,987 |
Cheapest McAllen, TX Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Car insurance with a bad driving record is typically more expensive. Compare bad driving record car insurance rates in McAllen, TX to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,764 | $7,288 | $7,571 | $4,764 |
| American Family | $5,566 | $7,001 | $6,155 | $5,566 |
| Geico | $3,037 | $4,012 | $3,344 | $3,942 |
| Nationwide | $5,153 | $5,153 | $7,753 | $5,855 |
| Progressive | $4,380 | $5,634 | $5,140 | $4,946 |
| State Farm | $2,729 | $3,125 | $3,690 | $2,729 |
| USAA | $2,160 | $3,192 | $3,737 | $2,482 |
Cheapest McAllen, TX Car Insurance for Teen Drivers
Teen car insurance in McAllen, TX can be expensive. Take a look at rates from the top car insurance companies in McAllen for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,333 | $12,497 |
| American Family | $9,235 | $12,106 |
| Geico | $5,799 | $5,882 |
| Nationwide | $10,482 | $13,598 |
| Progressive | $10,993 | $12,245 |
| State Farm | $5,120 | $6,503 |
| USAA | $5,071 | $5,546 |
Cheapest McAllen, TX Car Insurance for Seniors
Take a look at McAllen, TX rates on car insurance for seniors from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,934 | $3,934 |
| American Family | $3,448 | $3,936 |
| Geico | $2,650 | $3,090 |
| Nationwide | $3,324 | $3,545 |
| Progressive | $2,450 | $2,511 |
| State Farm | $1,920 | $1,920 |
| USAA | $1,787 | $1,797 |
Cheapest McAllen, TX Car Insurance Rates After a DUI
A DUI in McAllen, TX increases car insurance rates. Compare McAllen, Texas car insurance after a DUI by the company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $7,571 |
| American Family | $6,155 |
| Geico | $3,344 |
| Nationwide | $7,753 |
| Progressive | $5,140 |
| State Farm | $3,690 |
| USAA | $3,737 |
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Cheapest McAllen, TX Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in McAllen, TX by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,949 | $6,245 |
| American Family | $6,072 | $6,072 |
| Geico | $3,510 | $3,657 |
| Nationwide | $5,979 | $5,979 |
| Progressive | $5,025 | $5,025 |
| State Farm | $3,068 | $3,068 |
| USAA | $2,855 | $2,931 |
Cheapest McAllen, TX Car Insurance Rates by ZIP Code
McAllen car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in McAllen, TX.
| ZIP Code | Average Annual Rates |
|---|---|
| 78501 | $6,758 |
| 78503 | $6,809 |
| 78504 | $6,843 |
The Best Cheap Car Insurance Companies in McAllen, TX
Take a look at a side-by-side comparison of the top car insurance companies in McAllen, TX to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,097 |
| American Family | $6,072 |
| Geico | $3,583 |
| Nationwide | $5,979 |
| Progressive | $5,025 |
| State Farm | $3,068 |
| USAA | $2,893 |
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Category Winners: Cheapest Car Insurance in McAllen, Texas
Find the cheapest car insurance companies in McAllen, TX for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | State Farm |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Cheapest McAllen, TX Car Insurance Rates by Coverage Level
How much car insurance you need will have an impact on your McAllen car insurance rates. Find the cheapest McAllen, TX car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,957 | $6,044 | $6,289 |
| American Family | $5,647 | $5,835 | $6,734 |
| Geico | $3,283 | $3,492 | $3,976 |
| Nationwide | $6,347 | $5,705 | $5,884 |
| Progressive | $4,689 | $4,994 | $5,393 |
| State Farm | $2,868 | $3,045 | $3,291 |
| USAA | $2,768 | $2,875 | $3,036 |
What affects car insurance rates in McAllen, Texas?
What are the factors that affect car insurance rates in McAllen, TX? There are several reasons why McAllen car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in McAllen, Texas.
Car Theft in McAllen
High levels of vehicle theft can make car insurance more expensive. McAllen, TX car theft statistics from the FBI indicate 55 vehicle thefts a year.
Commute Time in McAllen
The more time you spend in your car the higher the risk of an accident. The average commute length in McAllen, TX is 19.5 minutes according to City-Data.
Traffic in McAllen
Traffic and commute times go hand in hand, with more traffic meaning more time on the road. McAllen, TX traffic data from INRIX ranks McAllen as the 730th-most congested in the world.
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Compare Car Insurance Quotes in McAllen, TX
Ready to find affordable McAllen, Texas car insurance today? Enter your ZIP code for fast, free McAllen, TX car insurance quotes.
Frequently Asked Questions
How does car insurance in McAllen, TX compare to other cities in Texas?
Car insurance rates in McAllen, TX can vary compared to other cities in Texas. Factors such as population density, local traffic patterns, crime rates, and the number of insurance claims in the area can influence insurance premiums. It’s recommended to compare quotes from multiple insurance providers to get an accurate understanding of the cost of car insurance in McAllen.
Are there any specific factors that affect car insurance rates in McAllen, TX?
Several factors can impact car insurance rates in McAllen, TX, including:
- Age and driving experience
- Vehicle make, model, and year
- Personal driving record and claims history
- Annual mileage and usage of the vehicle
- Credit history
- Coverage options and deductibles chosen
- Local crime rates and accident statistics
Which insurance companies provide car insurance coverage in McAllen, TX?
Numerous insurance companies provide car insurance coverage in McAllen, TX. Some popular options include well-known national providers such as State Farm, GEICO, Allstate, Progressive, and Farmers Insurance. Additionally, there may be local or regional insurance companies that offer coverage in the area.
How can I find the best car insurance rates in McAllen, TX?
To find the best car insurance rates in McAllen, TX, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record and consider taking defensive driving courses to potentially qualify for discounts.
- Bundle your car insurance with other policies, such as home or renters insurance, to potentially receive a multi-policy discount.
- Increase your deductibles, but make sure you can afford the out-of-pocket costs in the event of a claim.
- Ask about available discounts, such as good student discounts or discounts for safety features installed in your vehicle.
Are there any local factors unique to McAllen, TX that affect car insurance rates?
Some local factors in McAllen, TX that may impact car insurance rates include the traffic patterns, road conditions, and weather patterns specific to the area. Insurance companies consider these factors when determining premiums. Additionally, local crime rates and the prevalence of auto theft in the area can also influence insurance rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.