Cheapest Auto Insurance in McAllen, Texas (2025)
State Farm offers the cheapest car insurance in McAllen, with minimum-coverage policies as low as $62 per month.
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McAllen has lower average car insurance rates than other cities in Texas, and lower rates than the state's overall averages. Drivers in McAllen pay an overall average of $177 per month for car insurance, and the Lone Star State average is $168.
The city's low fatality rate – less than half a percent of all 2022 crashes were fatal1 – likely contributes to its lower car insurance costs. But, just because McAllen's rates are lower than the average, that doesn’t mean you can’t pay a little, or even a lot, less.
Some insurance companies, like State Farm and Mile Auto, consistently offer below-average rates to qualified drivers. In other cases, you might be able to reduce your rates based on the choices you make and by comparing quotes from multiple companies. Here’s how.
Quick Facts
State Farm, Mile Auto, and Allstate offer the cheapest car insurance for McAllen drivers.
The average cost of a full-coverage car insurance policy in McAllen is $218 per month, while liability-only policies average $137 monthly.
Texas state law allows insurers to consider your credit history when setting your car insurance rate.
3 of the cheapest car insurance companies in McAllen
The perfect insurance policy for you depends on your needs, but the rate you pay for that policy depends on your age, ZIP code, gender, marital status, type of vehicle you drive, your driving record, and more.
Each car insurance company will evaluate the different factors of your life differently, and that can lead to significantly different rates. Fortunately, comparing quotes can help you lock in the most affordable option.
Below is a closer look at some of the best car insurance companies in McAllen so you can jump-start your search.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for low rates: State Farm
Best insurer for families: Allstate
Best insurer for multi-language speakers: GEICO
How to get the cheapest car insurance in McAllen
You must have insurance to drive legally in Texas, but that doesn’t mean you have to overpay. You can reduce your car insurance expenses with these strategies:
Shop around. Every car insurance company has a slightly different method of determining premiums. If you compare quotes from multiple insurance companies, you can find out which company offers the lowest rate for your situation.
Ask for a discount. Many car insurance companies offer discount opportunities for safe driving, being a good student, and more. It’s worth asking to see if you qualify for any discounts your insurer may have.
Raise your deductible. A higher deductible usually leads to lower car insurance premiums. If you can afford the cost of the new deductible, then this change might make sense.
Bundle policies. Consolidating your home (or renters) insurance and auto policy with one company could give you a discount of 5% or more.
Stick with minimum coverage. Although minimum coverage doesn’t offer robust financial protection, it’s usually the cheapest option. If you’re comfortable with liability-only coverage, you might find cheaper insurance premiums.
Cheapest liability-only car insurance in McAllen: State Farm
Liability car insurance is designed to cover the cost of the damages you cause to others during an accident that was your fault. For example, this type of insurance policy might pay to repair the other driver’s vehicle or cover their medical bills.
In general, a liability-only policy is the cheapest option because the insurance company won’t help you repair or replace your own vehicle. But liability-only coverage typically makes the most sense for drivers with older, less-expensive vehicles that are paid off.
The average rate for liability coverage in McAllen is $137, and you can see a collection of average monthly quotes from area insurers below.
Cheapest full-coverage car insurance in McAllen: State Farm
Though more expensive than a liability-only police, a full-coverage car insurance policy provides the protections of liability coverage but also includes comprehensive and collision coverages. After an accident, collision coverage will help repair or replace your vehicle. And if your car is the victim of another kind of incident, like a fallen tree or theft, comprehensive coverage will help you get back on the road.
If you used a loan to finance your vehicle, or you lease it, your lender or leasing company will require you to carry full coverage until the loan is paid.
This more robust coverage is generally more expensive than liability-only coverage, and the average rate for full coverage in McAllen is $218.
Below is a look at some of the average full-coverage quotes available in McAllen from leading insurers.
Car insurance requirements in Texas
To drive legally in the state of Texas, you must carry a minimum amount of liability coverage. Here’s a breakdown of the minimum coverage requirements:
However, while the coverage above meets the minimum requirements, you may wish to enhance your protection with the following options:
Cheapest car insurance for drivers with an incident
Everyone makes mistakes. But if you’re caught making a mistake behind the wheel, that can turn into an incident on your driving record. Common incidents include speeding tickets, driving under the influence (DUIs), and at-fault accidents.
In the sections that follow, you’ll see how different incident types affect your car insurance rates.
Cheapest car insurance for drivers with a speeding ticket: State Farm
The average commute time in McAllen is just over 20 minutes.3 But it can still be tempting to speed across town. In fact, speeding drivers caused more than 1,000 accidents in McAllen in 2022.5 If you get caught speeding, that often leads to higher car insurance premiums.
The average cost of full-coverage insurance for drivers with a speeding ticket is $262 per month, but you can explore some potentially lower quotes from the insurers below.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Insurance companies see an at-fault accident as an indicator of potential future risky behavior. This often leads to more expensive insurance premiums after the accident. The average cost of full-coverage insurance for drivers with an at-fault accident on their record is $280 per month.
You can explore the average premiums offered by area insurers below.
Cheapest car insurance for drivers with a DUI: State Farm
In 2022, McAllen saw a total of 86 crashes where the driver was intoxicated.5 Insurers see a DUI on your record as a very serious incident and will often raise your rates dramatically. Some insurers may drop you altogether.
The average monthly cost for full coverage with a DUI on your record is $270 per month in McAllen.
Below is a collection of insurers that will provide coverage to drivers with a DUI on their record.
Cheapest car insurance for seniors: State Farm
Most insurance companies look at your age when determining premiums. And generally, the more experience you have behind the wheel, the more affordable your car insurance costs.
After paying high rates in their teens, drivers usually see those rates decline in their 30s, and this downward trend lasts for decades. However, around age 75, car insurance costs usually start to increase again. This is because drivers of this age and older generally have reduced faculties and are more likely to be seriously injured if they’re in an accident.
Senior drivers in McAllen pay a monthly average of $184 for full coverage and $116 for liability-only car insurance. The overall average cost of car insurance for seniors in McAllen is $150 per month, but you may be able to reduce your rates by shopping around.
Cheapest car insurance for teens: State Farm
Teen drivers are the newest on the road and have the least amount of experience behind the wheel. In general, this lack of experience means higher accident rates and more expensive car insurance premiums. For example, teens in McAllen pay an average monthly premium of $348, with full coverage and liability-only policies priced at $429 and $270, respectively.
The good news is that young drivers can take action to lower their car insurance costs. Some ways to find more affordable rates as a teen driver include increasing your deductible, staying on your parents’ policy, getting good grades, and committing to safe driving habits.
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McAllen car insurance quotes by credit tier
Insurance companies in Texas are allowed to consider your credit when determining your premiums. However, they can’t charge you more if your credit score was hurt by a major illness; the death of a spouse, child, or parent; a temporary job loss; a recent divorce; or identity theft.6
Beyond those events, your credit score can come into play. In general, drivers with excellent or good credit scores pay less for car insurance than drivers with poor credit scores.
Below is a breakdown of average car insurance quotes based on credit score.
Is car insurance more expensive in McAllen?
The average cost of car insurance in McAllen is $177, which closely mirrors the average cost for drivers across the state. However, the rate drivers pay in McAllen is considerably less than the national average cost of car insurance.
More cities in Texas
Texas is a big state, and, not surprisingly, there are some big shifts in the average rates drivers pay for car insurance from city to city. Here, you can see how McAllen stacks up against other cities in Texas.
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
McAllen car insurance FAQs
If you’re interested in learning more about how you can lower your car insurance rates in McAllen, the following answers can help.
How much is car insurance in McAllen, Texas?
The average monthly rate for car insurance in McAllen is $177. If you’re looking for full coverage, you can expect an average monthly rate of $218. Meanwhile, the monthly average for liability coverage is $137.
Who has the cheapest car insurance in McAllen?
The cheapest insurance companies in McAllen are State Farm, Mile Auto, and Allstate. State Farm offers liability coverage for as little as $62 per month. McAllen drivers can also find savings with Mile Auto and Allstate, which have monthly liability averages of $75 and $87, respectively.
However, rates do change, and you should always compare quotes from several insurers before choosing a policy.
What are the best car insurance companies in McAllen?
State Farm, Allstate, and GEICO rank as three of the top insurers in McAllen. All three boast strong Insurify Quality Scores of 9.3, 8.9, and 9.2, respectively. In addition, each is known for providing competitive rates and for earning high marks for customer satisfaction and financial stability.
How much is car insurance in Texas per month?
The average rate for car insurance in Texas is $168 per month. The rate you pay may be higher or lower depending on where you live in Texas. But on the whole, rates in the Lone Star State fall at or below the national average.
What’s the minimum car insurance in Texas?
To drive legally in Texas, you must have insurance coverage that meets the state’s 30/60/25 minimum requirements. This means you must carry bodily injury liability coverage of $30,000 per person and $60,000 per accident, as well as property damage liability coverage of $25,000 per accident.
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