Cheapest and Best Car Insurance in McAllen, TX (2024)

In McAllen, State Farm offers the cheapest full coverage and is the best for families with teens. Mercury offers the most affordable minimum coverage car insurance. For service, Chubb stands out but also earns the title of best overall, providing superb value in both price and service. Ultimately, the ideal choice may vary based on your personal coverage needs and preferences.

MoneyGeek found that Mercury offers the cheapest car insurance in McAllen, ensuring affordability for drivers seeking minimum coverage.

• Mercury: $506 per year
• State Farm: $516 per year

In contrast, Dairyland has the most expensive minimum coverage policy in McAllen, with an annual premium of $1,817. The difference between the most affordable and the costliest provider is $1,311 annually, highlighting the importance of comparing car insurance rates to secure the best deal.

MoneyGeek found that State Farm offers the cheapest full coverage car insurance in McAllen, ensuring that drivers can stay protected on the road without breaking the bank.

• State Farm: $1,113 per year
• Progressive: $1,175 per year

Dairyland has the most expensive full coverage policy in McAllen, costing $3,904 annually, which underscores the importance of comparing rates; the difference is a significant $2,791. Full coverage policies incorporate comprehensive and collision insurance, which are more costly than minimum coverage but provide more financial security against a range of risks.

The MoneyGeek exemplary McAllen full coverage insurance plan enhances the usual liability coverages, providing $100,000 worth of protection against bodily injury liability per individual, $300,000 for bodily injury per incident and property damage liability of $100,000 per incident. This plan is often categorized as a 100/300/100 policy.

Full coverage insurance goes beyond more substantial liability limits and includes both comprehensive and collision coverages.

• Collision Coverage: This type of insurance is designed to cover repairs or replacement of your vehicle in the event that it collides with another vehicle or object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Coverage: This insurance pays for damages to your vehicle that occur due to non-collision events, such as theft or extreme weather conditions, natural disasters and being struck by an animal like a deer.

If you've invested in a new vehicle, opting for full coverage insurance is a wise decision to protect your asset. On the contrary, when it comes to older vehicles, the additional expense for this extensive protection may not be justifiable. When determining exactly how much car insurance you need, you must weigh the higher premiums associated with more comprehensive coverage against the risks posed by having insufficient coverage.

MoneyGeek found that State Farm is the cheapest option in McAllen for most drivers with a poor driving record seeking a full coverage policy, regardless of the type of driving offense. Their rates are the most competitive for those with a speeding ticket, an at-fault accident, or a DUI.

• Speeding Ticket: State Farm ($1,113 per year)
• At-fault accident: State Farm ($1,363 per year)
• DUI: Progressive ($1,386 per year)

On the other hand, Nationwide and Dairyland tend to have the most expensive rates for these driving offenses in McAllen.

Insurance premiums in McAllen escalate with the severity of a driving offense, reflecting the heightened risk insurers take on with those who have violated driving laws. For instance, drivers with a speeding ticket face an average annual premium of $3,289, whereas a DUI offense can raise this premium. It underscores the need for individuals with such infractions to diligently compare insurance rates, as finding the most competitive policy could result in substantial savings.

MoneyGeek found that State Farm offers the most affordable full coverage car insurance for male and female teens in McAllen. For budget-conscious families, keeping insurance costs low is crucial, especially when insuring high-risk drivers like teenagers. Here are the two most economical choices:

• State Farm: $1,886 per year for female teens and $2,280 per year for male teens
• Nationwide: $2,380 per year for female teens and $2,713 per year for male teens

These rates reflect the combined cost of insuring a pair of parents along with their teenage driver. Among the companies analyzed, Allstate has the most expensive policy for teen family coverage in McAllen, with annual premiums of $7,542 for females and $8,876 for males.

In McAllen and similar urban areas, young drivers face steep car insurance rates. A standalone teen policy averages $8,507 annually, contrasting sharply with $4,330 when added to a family plan. The substantial difference reflects the heightened risk insurers attribute to inexperienced drivers, who present a greater claim likelihood. For families, including a teen on a joint plan not only slashes costs but often proves more feasible in the insurance market.

MoneyGeek found that State Farm is the cheapest option in McAllen for veterans and military personnel looking for full coverage car insurance.

• State Farm: $1,113 per year
• Progressive: $1,175 per year

While State Farm offers the most affordable annual premium, the recognized insurer USAA ranks as the third cheapest at $1,306 annually. Despite not being the least expensive, USAA is specifically noted for its dedication to the needs of active duty military members, providing tailored services that accommodate their unique circumstances. For those with a military background seeking the cheapest car insurance for military backgrounds, USAA's reputation and customized offerings make it a strong contender.

In McAllen, you can use MoneyGeek's car insurance calculator to get quotes. Simply input critical details such as age, driving history, credit score and desired coverage, and promptly receive a tailored rate estimate, thereby optimizing your time and savings on car insurance.

Choosing the ideal auto insurance for you hinges on valuing factors such as service, cost and coverage. MoneyGeek's unique scoring system evaluates these elements individually. In McAllen, the leading providers per category are:

• Best overall: Chubb (MoneyGeek score 91)
• Best for service: Chubb (MoneyGeek score 92)
• Best cheap: Chubb (MoneyGeek score 88)

Since Chubb secures the top spot across all categories, it stands as the unrivaled option in McAllen for exceptional service, affordability, and overall value. Customers seeking the finest balance between quality and cost will find Chubb to meet a diverse range of auto insurance needs without compromising on either.

MoneyGeek found that Chubb offers the best car insurance in McAllen, streamlining the selection process for discerning drivers seeking superior protection. For excellent coverage, you might want to consider the providers below:

• Chubb: MoneyGeek score of 91 out of 100 ($1,889 per year)
• State Farm: MoneyGeek score of 76 out of 100 ($1,113 per year)

Chubb stands out in McAllen with the highest MoneyGeek score, reflecting its exceptional customer satisfaction and claims ratings. This accolade underscores the company's commitment to offering a full coverage policy that meets the comprehensive needs of its clients.

MoneyGeek found that Chubb is the best option in McAllen for car insurance when it comes to customer service. Their superior standing is reflected in their comprehensive approach to customer satisfaction, efficient claims handling, and robust coverage options.

• Chubb: MoneyGeek score of 92 out of 100 ($1,889 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,777 per year)

Chubb distinguishes itself as the premier choice not only due to its high overall MoneyGeek score but particularly because of its exceptional customer satisfaction and claims service scores.

MoneyGeek found that Chubb is the best option in McAllen for those seeking affordable and reliable car insurance. MoneyGeek's scoring system places a strong emphasis on affordability but also takes into account factors such as claims handling and customer satisfaction, which contribute to the overall experience.

• Chubb: MoneyGeek score of 88 out of 100 ($879 per year)
• Mercury: MoneyGeek score of 80 out of 100 ($506 per year)

Chubb stands out due to its superior blend of high customer satisfaction and claims handling scores, which is especially significant for its minimum coverage policies.

In McAllen, Texas, the average car insurance premium is $1,996, making it one of the highest in the state. When compared to the Texas state average of $1,782, insurance costs in Mcallen are higher by $214. Furthermore, Texas' state average is marginally above the national car insurance cost of $1,781 by just $1, demonstrating a negligible difference on a broader scale.

Location plays a pivotal role in determining car insurance premiums due to factors such as accident rates, theft statistics and population density, which all affect the likelihood of filing a claim. Non-city areas with lower traffic densities can have lower rates than urban areas.