How much does car insurance cost in McAllen, TX? Check out the average rates that drivers pay below.
Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in McAllen typically pay around $173.15 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.
Area | Average Monthly Rate |
---|---|
National | $167.68 |
Texas | $161.81 |
Mcallen, Texas | $173.15 |
Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Direct Auto generally has the most affordable car insurance in McAllen coming in around $74.41 per month. Other companies to consider if you live in McAllen is State Farm with an average cost of $104.69 per month and SafeAuto which typically runs around $125.80 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in McAllen.
Rank | Company | Average Monthly Rate | Comparison State Average |
---|---|---|---|
1 | Direct Auto | $74.41 | -54.01% |
2 | State Farm | $104.69 | -35.30% |
3 | SafeAuto | $125.80 | -22.25% |
4 | Kemper Auto Premium | $132.61 | -18.05% |
5 | USAA | $144.05 | -10.98% |
6 | Texas Farm Bureau Group | $146.25 | -9.61% |
7 | Loya Insurance | $165.28 | 2.14% |
8 | Mercury Insurance | $167.75 | 3.67% |
9 | AssuranceAmerica | $178.50 | 10.31% |
10 | Mercury | $178.73 | 10.46% |
Rates can vary from city to city. The residents of Amarillo typically pay $140.91 per month while people who live in Arlington will pay $167.57 per month on average. See what people pay for car insurance in other cities in Texas.
Texas Cities | Monthly Average Rate |
---|---|
Amarillo | $140.91 |
Arlington | $167.57 |
Austin | $155.13 |
Beaumont | $163.90 |
Corpus Christi | $160.24 |
Dallas | $176.35 |
El Paso | $156.18 |
Fort Worth | $162.79 |
Houston | $187.67 |
Irving | $171.40 |
Lubbock | $156.13 |
McAllen | $173.15 |
San Antonio | $157.57 |
Spring | $177.12 |
Tyler | $156.42 |
Waco | $120.55 |
Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.
Mcallen, TX ZIP Code | Average Monthly Rate |
---|---|
78504 | $163.34 |
78501 | $184.54 |
78503 | $155.70 |
78574 | $228.50 |
78502 | $193.71 |
Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $168.48 per month in McAllen. Compare that to drivers in their 30’s who typically pay around $221.60 per month drivers in their 40s at $165.79 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.
Age Group | Average Monthly Rate |
---|---|
30s | $168.48 |
60s | $113.09 |
20s | $221.60 |
70+ | $165.79 |
16-19 | $313.34 |
50s | $144.23 |
40s | $194.58 |
If you are teen in McAllen you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Direct Auto typically charges around $99.78 per month. This is likely the most affordable option in McAllen. You might also want to consider State Farm and USAA who also offer good affordable policies for teen drivers.
Company | Average Monthly Rate |
---|---|
Direct Auto | $99.78 |
State Farm | $223.81 |
USAA | $243.34 |
Texas Farm Bureau Group | $266.42 |
Dairyland Auto | $336.05 |
20 year-olds in McAllen might want to consider Direct Auto who, on average, offers car insurance rates around $69.48 per month. Kemper Auto Premium , State Farm , Safeco and Clearcover are also in the top 5 cheapest rates available.
Company | Average Monthly Rate |
---|---|
Direct Auto | $69.48 |
Kemper Auto Premium | $107.50 |
State Farm | $142.86 |
Safeco | $143.97 |
Clearcover | $147.44 |
If you are in your 30s in McAllen our research has found that Direct Auto typically has the most affordable coverage coming in around $69.63 per month, followed by Loya Insurance at $91.92 and State Farm at $93.38.
Company | Average Monthly Rate |
---|---|
Direct Auto | $69.63 |
Loya Insurance | $91.92 |
State Farm | $93.38 |
SafeAuto | $132.33 |
USAA | $138.93 |
On average, Direct Auto offers car insurance for 40 year-olds in McAllen for around $66.41 per month. If you are looking for affordable coverage, you may also want to consider State Farm or USAA. The full list of top companies is below.
Company | Average Monthly Rate |
---|---|
Direct Auto | $66.41 |
State Farm | $96.98 |
USAA | $126.21 |
Kemper Auto Premium | $140.33 |
Clearcover | $145.30 |
Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In McAllen we found that State Farm generally offers the most affordable coverage at $89.98 per month.
Company | Average Monthly Rate |
---|---|
State Farm | $89.98 |
SafeAuto | $110.67 |
USAA | $127.36 |
Texas Farm Bureau Group | $141.20 |
Mercury | $143.15 |
If you live in McAllen and you’re in your 60s, our data indicates that State Farm usually has the best rates at $84.03 per month. The top 5 list of car insurance companies is below.
Company | Average Monthly Rate |
---|---|
State Farm | $84.03 |
Texas Farm Bureau Group | $114.93 |
Mercury Insurance | $116.83 |
Mercury | $122.92 |
USAA | $123.44 |
Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In McAllen, the average monthly rate for a driver who is currently insured is $164.85 while drivers who are not currently covered will pay around $189.93.
Coverage | Average Monthly Rate |
---|---|
Not Currently Insured | $189.93 |
Currently Insured | $164.85 |
Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In McAllen a driver of a 2020 Gmc Terrain can expect to pay around $193.45 per month while someone that owns a 2024 Chrysler Pacifica may pay around $102.79 per month. Check out the list of recent quotes in McAllen below.
Vehicle | Average Monthly Rate |
---|---|
2020 Gmc Terrain | $193.45 |
2024 Chrysler Pacifica | $102.79 |
2021 Ford F250 | $369.22 |
2016 Mercedes-Benz C | $853.61 |
2014 Nissan Rogue | $136.04 |
2018 Infiniti QX80 | $317.03 |
What Is the Minimum Liability Coverage Requirement in McAllen, TX?
Every state requires drivers to have a minimum amount of liability coverage. Texas drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.
You like to keep it simple, and so do we! Just don’t go too minimalist and skip the auto insurance altogether (see our FAQ for more information). In Texas, you are legally required to obtain something called liability insurance. This is for your protection if you are deemed “at fault” in an accident that causes injury and lost wages to another driver or passenger in another vehicle. Liability coverage pays up to the amounts listed below. It also pays for damages to the other driver’s vehicle. Trust us, you’d want this coverage even if it wasn’t legally required!
Since Texas is a “no-fault” state, drivers are financially responsible for any accidents they cause. Consider this: $30,000 is the maximum payment for property damage but you collide with a $40,000 vehicle. If you are found at fault, you are on the hook for any damages beyond $30,000. And, other drivers can sue you for those damages. Between this and the high cost of medical care, we recommend you carry more than the minimum required coverage!
What Is the Blood Alcohol Concentration (BAC) limit in McAllen, TX?
It is illegal for an individual to operate a motor vehicle in Texas with the following BAC percentages:
Can I use my digital insurance card in Texas?
Yes! Getting pulled over in Texas is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!
Check Out Other Rates in McAllen, TX Nearby Cities:
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Commute Time in Mcallen, TX
20 MilesCommute Time in United States
26.4 MilesNumber of Nearest Insurance Agents in Mcallen, TX
16 Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.
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