Best McAllen Homeowners Insurance Quotes (2025)
Farmers, USAA, and Chubb offer the best homeowners insurance policies in McAllen, Texas.
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Homeowners in McAllen, Texas, pay an average of $4,575 per year for homeowners insurance. About 70 miles west of the Gulf of Mexico, McAllen is a rapidly growing city in Texas.
Risk of fires, wind damage, and rising property values have caused McAllen to have higher-than-average homeowners insurance rates. Because of the potential risk of flooding, you may also want to consider a separate flood insurance policy, which can increase your overall insurance costs.
Here’s what you need to know about finding home insurance in McAllen.
Quick Facts
McAllen homeowners pay an average of about $379 per month for homeowners insurance.
ASI, Farmers, and USAA offer the lowest home insurance premiums in McAllen on average.
McAllen homeowners pay about $200 less annually than the Texas statewide average cost of $4,789 per year.
Best home insurance companies in McAllen
Several insurance companies offer homeowners insurance policies in McAllen. The best insurance company for you depends on your home’s characteristics, ZIP code, coverage needs, budget, and more.
Start your search below with a few of the best home insurance companies in McAllen, based on premiums, customer satisfaction ratings, available discounts, and more.
Best for flood coverage: Farmers
Best for military service members: USAA
Best for customer service: Chubb
Our editorial team analyzed regional and national home insurance companies that sell policies in McAllen to assess which offer the best rates, coverage options, customer service, and savings to homeowners. We prioritized competitive rates, 24/7 customer service, homeownership discounts or bundling options, and specialty or supplemental coverages.
Cheapest home insurance companies in McAllen
Home insurance rates vary by company. ASI, Farmers, and USAA have the lowest rates in McAllen on average, based on Insurify data. Start your search for cheap home insurance coverage from different insurance companies below.
The average annual premiums reflect costs for a home insurance policy with $300,000 in dwelling coverage and a $1,000 deductible.
Insurance Company  | Average Annual Premium |
|---|---|
| ASI | $871 |
| Farmers | $931 |
| USAA | $1,452 |
| Republic Indemnity | $1,668 |
| State Farm | $1,749 |
| Travelers | $2,471 |
| Armed Forces Insurance Exchange | $2,640 |
| Texas Fair Plan Association | $2,647 |
| Foremost | $3,118 |
| Texas Farm Bureau Group | $3,395 |
| Mercury | $4,152 |
| Nationwide | $4,503 |
| Allstate | $5,073 |
| Occidental/Acceptance Group | $5,196 |
| Amguard | $6,571 |
| Bankers Insurance Group | $6,655 |
| Universal Insurance Company of North America | $12,139 |
| Chubb | $17,121 |
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How much is home insurance in McAllen?
The average cost of home insurance in McAllen is $4,575 per year for a policy with $300,000 in dwelling coverage and a $1,000 deductible. For a policy with a $500 deductible, the annual average increases to $4,641.
Ultimately, your rate will vary based on a number of factors, including your past claims, credit history, ZIP code, coverage details, deductible amount, and more. Your home’s value and age will also affect how much you pay for coverage.[?]
Cost of home insurance by dwelling coverage in Texas
Dwelling coverage pays for the repairs or rebuild of the physical structure of your home after a covered incident, such as a fire or a lightning strike. It includes your home and other attached structures, such as your garage.
When you buy a homeowners insurance policy, you’ll need to select a dwelling coverage limit based on the cost of rebuilding your home. A higher coverage limit generally results in higher premiums.
Below, you can compare statewide average annual costs for home insurance in Texas by dwelling coverage amount.
Coverage Limit | Average Annual Premium |
|---|---|
| $100,000 | $2,037 |
| $200,000 | $3,464 |
| $300,000 | $4,789 |
| $400,000 | $6,005 |
| $500,000 | $7,279 |
Cost of homeowners insurance by deductible amount
If you need to file a claim, the deductible is the amount you have to pay for repairs or damages before your insurer begins covering the cost. For example, if you have $30,000 of damage and a $2,000 deductible, you’re responsible for the first $2,000 of repairs. The insurer would then pay up to $28,000 of the remaining cost.
Home insurance deductibles usually range between $500 and $2,000. Home insurance premiums are typically lower if you have a higher deductible since you’re taking on more of the out-of-pocket cost up front.
Compare average annual premiums for standard home insurance in McAllen by deductible amount below.
Deductible Amount | Average Annual Premium |
|---|---|
| $500 | $4,641 |
| $1,000 | $4,575 |
Average cost of home insurance in other cities in Texas
Homeowners insurance rates can vary significantly by county, city, and even ZIP code.
In Texas, homeowners in Galveston tend to have the highest rates, paying an average of $7,953 for a $300,000 home. That high rate is unsurprising, considering that Galveston is an island city prone to wind and flood damage. By contrast, El Paso, which is much further inland, tends to have lower rates of around $2,227 on average.
Compare average annual premiums for home insurance policies with $300,000 in dwelling coverage and a $1,000 deductible for different Texas cities below.
City | Average Annual Premium |
|---|---|
| Austin | $3,153 |
| Brownsville | $5,579 |
| Dallas | $4,978 |
| El Paso | $2,227 |
| Fort Worth | $5,458 |
| Frisco | $4,744 |
| Galveston | $7,953 |
| Houston | $5,980 |
| Ingleside | $5,803 |
| Lubbock | $2,690 |
| McAllen | $4,575 |
| San Antonio | $3,443 |
| Sugar Land | $6,524 |
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What to know about owning a home in McAllen
Whether you’re a longtime resident or plan to relocate to McAllen soon, you should keep a few factors in mind about homeownership there.
McAllen home insurance FAQs
The following information can help answer your remaining questions about finding homeowners insurance in McAllen.
McAllen homeowners pay about $381 per month, or $4,575 per year, for a policy with $300,000 in dwelling coverage and a $1,000 deductible. Secondary coverages, like flood insurance or windstorm insurance, may increase your total insurance costs.
ASI has the cheapest policies in McAllen, with annual average premiums of $871 per year. This is significantly lower than the average cost of home insurance in the city.
On average, Texas homeowners pay $5,397 per year for a home insurance policy with $350,000 in dwelling coverage.
The 80% rule is a guideline that suggests you should insure your home for at least 80% of its total replacement cost. For example, if you own a $300,000 home, you need a homeowners insurance policy with a coverage limit of $240,000 or higher. As the value of your home changes over time, you may need to adjust the coverage limit to avoid penalties.
Although Texas doesn’t have a state-based discount program for seniors, some home insurers have their own special discounts for older homeowners. For example, The Hartford partners with AARP to offer special plans and discounts on insurance policies.
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