In McAllen, the average monthly cost for full coverage car insurance is $161. Rates can vary widely, with the cheapest at $154 and the most expensive reaching $521, depending on factors like policy, vehicle type, and driver's details. To help drivers gauge potential expenses, the table below shows average car insurance costs for different driver profiles.
McAllen, TX Car Insurance
Updated: January 13, 2025
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Cheapest Car Insurance in McAllen: Key Takeaways
In McAllen, Mercury, State Farm and Progressive are among the most affordable car insurance providers, offering competitive rates for various driver profiles and coverage needs.
Mercury offers the cheapest minimum coverage car insurance at $42 per month, while State Farm provides the most affordable full coverage option for $93 monthly.
On average, car insurance costs in the city are $77 per month for minimum coverage and $161 for full coverage, with variations based on individual driver profiles.
Car Insurance Quotes in McAllen, TX
| Young Drivers | $103 | $210 |
| Teens | No Data | $521 |
| Seniors | $79 | $155 |
| Drivers With a Speeding Ticket | $93 | $194 |
| Drivers With a DUI | $125 | $245 |
| Drivers With An Accident | $133 | $265 |
| Bad Credit | $140 | $297 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
McAllen vs. State Average
Texas
State Average Full Coverage Rate
$1,695
McAllen, TX
City Average Full Coverage Rate
$1,935More:$240 more
This is 14% more expensive.
What Is the Average Car Insurance Rate in McAllen?
In McAllen, car insurance costs $1,935 per year for full coverage and $927 for minimum coverage. These rates are higher than the Texas averages, where full coverage is $1,695 and minimum coverage is $810.
| State Average | $816 | $1,705 |
| McAllen Average | $934 | $1,945 |
Cheapest Car Insurance Companies in McAllen
Even though premiums are climbing in the Lone Star State, you can still find cheap car insurance in McAllen. Mercury offers the lowest monthly rate for minimum coverage at $42. For full coverage, State Farm provides the best rate at $93 per month.
WHY CAR INSURANCE IN MCALLEN IS EXPENSIVE
Car insurance is expensive in McAllen due to factors like heavy traffic and theft rates. The city ranks high among Texas cities for insurance costs. Statewide, costs are driven up by a high number of uninsured drivers, frequent personal injury lawsuits, and insurance fraud.
Cheap Car Insurance in McAllen
Mercury offers the cheapest minimum coverage for many drivers, but rates can vary. To find the most affordable car insurance, get quotes from several providers. Below is a table showing the cheapest car insurance rates for different driver profiles.
| Mercury | Minimum Coverage | $42 |
| State Farm | Full Coverage | $95 |
| State Farm | Teens | $213 |
| State Farm | Young Adults | $87 |
| State Farm | Seniors | $63 |
| Progressive | Bad Credit | $123 |
| Progressive | Drivers With a DUI | $86 |
| State Farm | Drivers With An Accident | $86 |
| State Farm | Drivers With a Speeding Ticket | $69 |
Car Insurance Rates in McAllen by Company
Finding the cheapest car insurance in McAllen means comparing rates from different companies. We'll show you the most affordable options for minimum coverage and full coverage plans below.
Cheapest Car Insurance Companies for Minimum Coverage in McAllen
Mercury offers the cheapest minimum coverage auto insurance at $42 per month. State Farm follows closely with a rate of $43 monthly. See the breakdown of the cheapest options in the table below.
| Mercury | $42 | $36 |
| State Farm | $43 | $34 |
| Texas Farm Bureau | $50 | $27 |
| Progressive | $55 | $22 |
| National General | $63 | $14 |
| AAA Texas | $68 | $10 |
| Allstate | $69 | $9 |
Cheapest Car Insurance Companies for Full Coverage in McAllen
State Farm offers the cheapest full coverage car insurance in McAllen at $93 per month. Below is a list of all providers and their rates.
| State Farm | $93 | $68 |
| Progressive | $96 | $65 |
| Texas Farm Bureau | $101 | $60 |
| AAA Texas | $134 | $27 |
| Allstate | $138 | $23 |
| Mercury | $141 | $20 |
| National General | $145 | $16 |
| GEICO | $154 | $8 |
Car Insurance Companies in McAllen
For affordable car insurance in McAllen, get quotes from several companies. State Farm offers the cheapest rate at $818 annually, while Chubb stands out with a MoneyGeek score of 88 as the best cheap provider. Explore the table below for more options in your search.
| Chubb | 88 | $1,546 |
| Mercury | 76 | $1,098 |
| State Farm | 76 | $830 |
| Texas Farm Bureau | 73 | $906 |
| AAA Texas | 72 | $1,208 |
| Foremost | 72 | $1,856 |
| Progressive | 66 | $908 |
| Allstate | 61 | $1,241 |
| GEICO | 60 | $1,454 |
| Nationwide | 57 | $2,218 |
| National General | 51 | $1,247 |
| Dairyland | No Data | $2,761 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in McAllen by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,945 per year for 40-year-olds and $1,855 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $4,096 | $-1,660 |
| 17 | $3,938 | $-1,503 |
| 18 | $3,446 | $-1,011 |
| 19 | $2,940 | $-505 |
| 20 | $3,079 | $-644 |
| 21 | $2,268 | $167 |
| 22 | $2,283 | $152 |
| 23 | $2,367 | $68 |
| 24 | $2,222 | $213 |
| 25 | $2,523 | $-671 |
| 40 | $1,945 | $-93 |
| 65 | $1,855 | $-2 |
Cheapest Car Insurance for Teens in McAllen
State Farm offers the cheapest overall car insurance for teens in McAllen with full coverage at $160 per month, providing a savings of $140 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| State Farm | $160 | $140 | $213 |
| Nationwide | $207 | $94 | $516 |
| GEICO | $253 | $47 | $309 |
| Progressive | $311 | $-10 | $835 |
| Foremost | $330 | $-29 | $708 |
| Allstate | $542 | $-242 | $546 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in McAllen
State Farm offers the best minimum coverage rate at $53 per month and the most affordable full coverage at $118 monthly. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| State Farm | Minimum Coverage | $54 |
| State Farm | Full Coverage | $120 |
| Progressive | Bad Credit | $151 |
| Progressive | Drivers With a DUI | $105 |
| State Farm | Drivers With An Accident | $105 |
| State Farm | Drivers With a Speeding Ticket | $87 |
Cheapest Car Insurance Companies for Young Drivers in McAllen
State Farm offers the most affordable auto insurance for young drivers at $86 per month. Explore more about affordable auto insurance. The table below shows other companies with competitive rates:
| State Farm | $86 | $70 |
| Progressive | $94 | $62 |
| Texas Farm Bureau | $96 | $59 |
| Mercury | $125 | $31 |
| AAA Texas | $128 | $28 |
| Allstate | $134 | $22 |
| National General | $136 | $19 |
| GEICO | $142 | $14 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in McAllen
State Farm and Texas Farm Bureau offer the cheapest car insurance in the city. Rates vary based on factors like driving history and coverage needs. The table below shows the most affordable providers for different driver profiles and coverage options.
| State Farm | Minimum Coverage | $41 |
| Texas Farm Bureau | Full Coverage | $84 |
| Progressive | Bad Credit | $121 |
| Progressive | Drivers With a DUI | $89 |
| State Farm | Drivers With An Accident | $79 |
| State Farm | Drivers With a Speeding Ticket | $63 |
Cheapest Car Insurance Companies for Seniors in McAllen
State Farm offers the cheapest monthly premium for seniors at $62 when considering both minimum and full coverage. Texas Farm Bureau follows closely with a rate of $63 per month. The table below shows options of the top car insurance providers for seniors in McAllen.
| State Farm | $62 | $54 |
| Texas Farm Bureau | $63 | $53 |
| Progressive | $75 | $40 |
| Mercury | $96 | $20 |
| AAA Texas | $99 | $17 |
| Allstate | $99 | $17 |
| National General | $114 | $2 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in McAllen
When looking at high-risk driver profiles, McAllen offers lower rates for both minimum coverage at $1,394 and full coverage at $2,801 compared to the state average. Drivers with bad credit and DUIs pay the most for car insurance. In contrast, accidents and speeding tickets have a smaller effect on rates.
| State Average | $1,190 | $2,417 |
| McAllen Average | $1,394 | $2,801 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or a speeding ticket in McAllen, are considered by insurers for a few years. For more serious offenses such as a DUI, insurers may take them into account for longer, and you might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in McAllen
Progressive offers the cheapest minimum coverage for drivers with a DUI at $718 per year in McAllen. It also provides the most affordable full coverage policy at $1,352 annually. Check out the table below for more low-cost coverage options.
| Progressive | $60 | $113 |
| State Farm | $84 | $164 |
| National General | $79 | $174 |
| Mercury | $60 | $189 |
| AAA Texas | $106 | $196 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in McAllen
State Farm, Texas Farm Bureau, and Progressive are the three cheapest car insurance providers for drivers with an at-fault accident in McAllen. Learn more about cheapest auto insurance after an at-fault accident. The table below shows different providers in McAllen offering affordable car insurance coverage for drivers with an at-fault accident.
| State Farm | $55 | $114 |
| Texas Farm Bureau | $84 | $160 |
| Progressive | $87 | $161 |
| AAA Texas | $101 | $188 |
| Mercury | $92 | $280 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in McAllen
State Farm is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $43 and full coverage at $93. Check the table below to see how other providers charge drivers with a speeding ticket.
| State Farm | $43 | $93 |
| Texas Farm Bureau | $50 | $101 |
| Progressive | $65 | $122 |
| Allstate | $69 | $138 |
| Mercury | $63 | $204 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in McAllen
Mercury offers the most affordable rates for drivers with bad credit in McAllen for minimum coverage at $60 monthly, while Progressive provides the cheapest full coverage at $162. See the table below for other affordable options.
| Progressive | $84 | $162 |
| Allstate | $102 | $210 |
| Mercury | $60 | $216 |
| Texas Farm Bureau | $104 | $223 |
| National General | $95 | $261 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in McAllen, TX
Every city in the Lone Star State follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
For example, if you're in a fender bender, your minimum coverage helps cover injury and damage costs up to these amounts. It's a safety net for unexpected events on the road.
Cheap Car Insurance in McAllen: Bottom Line
Mercury shines as McAllen's most affordable car insurance provider for minimum coverage at $42, while State Farm leads with the cheapest full coverage at $93. No matter your age or credit, you'll find providers with plans that match your wallet. Remember, your policy should cover Texas essentials like injury and property damage. By comparing quotes, you secure rates that respect your budget and Texas law.
McAllen Auto Insurance: FAQ
This section provides quick answers to common questions about finding the cheapest and best car insurance options in McAllen.
What is the cheapest car insurance company in McAllen, Texas?
Mercury offers the most affordable car insurance in McAllen, Texas, with a minimum coverage rate of $42 monthly.
What is the best car insurance company in McAllen, Texas?
The best car insurance provider in McAllen, Texas is Dairyland, with an annual premium of $2,761 for full coverage.
How much does car insurance cost on average in McAllen?
The average monthly cost for minimum coverage auto insurance in McAllen ranges from $77 to $140.
Best Cheap Car Insurance in McAllen: Our Methodology
MoneyGeek conducted an analysis of McAllen auto insurance prices using data from the Texas Department of Insurance and Quadrant Information Services.
McAllen Driver Profile
To assess the best and most affordable auto insurance options for McAllen residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in McAllen
In assessing the car insurance quotes for McAllen, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:
The minimum coverage requirements in Texas are:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $25,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in McAllen
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in McAllen.
For more details on how these ratings were calculated, you can view MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.