Compare Mcallen, TX Car Insurance Rates (2022)

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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UPDATED: Jun 22, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 22, 2022Fact Checked

Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in McAllen, Texas

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 in McAllen, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in McAllen, Texas

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. Compare credit history car insurance rates in McAllen from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in McAllen, Texas

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. Compare bad driving record car insurance rates in McAllen, TX to rates for a clean record with top companies.

Annual McAllen, Texas Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in McAllen, Texas

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 senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in McAllen, Texas

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 DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in McAllen, Texas

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.

Annual Car Insurance Rates by Commute Length in McAllen, Texas

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.

Annual Car Insurance Rates by ZIP Code in McAllen, Texas

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.

Average Annual Car Insurance Rates by Company in McAllen, Texas

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.

Best Annual Car Insurance Rates by Company in McAllen, Texas

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 coverage you choose will have an impact on your McAllen car insurance rates. Find the cheapest McAllen, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in McAllen, Texas

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 factors can have an impact on McAllen, TX car insurance? 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.

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.

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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Written by Laura Berry
Former Insurance Agent Laura Berry

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® Joel Ohman

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