Buy Cheap Mcallen, TX Auto Insurance (2021)

Mcallen, TX auto insurance rates average $389 a month. Minimum auto insurance requirements in Mcallen, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Mcallen, TX, compare Mcallen auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in McAllen after a DUI is Nationwide
  • The most expensive auto insurance company in McAllen is Allstate
  • Average auto insurance rates in McAllen, TX after a DUI are $5,341/year

Finding affordable McAllen, Texas auto insurance can be challenging, but everything you need to know to buy cheap McAllen, TX auto insurance with confidence is right here. Auto insurance rates in McAllen are affected by local factors as well as personal ones like your driving record.

See how McAllen, TX car insurance rates compare to Corpus Christi auto insurance rates, Plano auto insurance rates, and Arlington auto insurance rates before you read more about the cost of auto insurance in McAllen.

Don’t buy McAllen, TX auto insurance until you’ve compared rates. Get free McAllen, Texas auto insurance quotes when you enter your ZIP code above.

McAllen, TX Minimum Auto Insurance Requirements

The required auto insurance in McAllen, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in McAllen, Texas is outlined here.

Minimum Required Auto Insurance Coverage in McAllen, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap McAllen, TX Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in McAllen, TX. Take a look at McAllen, Texas auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in McAllen, Texas

Insurance Company Poor Fair Good
Allstate $7,765 $5,673 $4,853
American Family $8,463 $5,228 $4,525
GEICO $5,542 $3,128 $2,080
Nationwide $7,233 $5,731 $4,973
Progressive $5,712 $4,873 $4,491
State Farm $4,349 $2,703 $2,152
USAA $4,230 $2,461 $1,987

Buy Cheap McAllen, TX Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect McAllen, Texas auto insurance rates? Find out how car insurance rates in McAllen, TX are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in McAllen, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,984 $4,026 $3,934 $3,934 $10,333 $12,497 $4,925 $5,141
American Family $3,918 $4,331 $3,448 $3,936 $9,235 $12,106 $5,438 $6,166
GEICO $2,675 $2,919 $2,650 $3,090 $5,799 $5,882 $2,874 $2,777
Nationwide $3,783 $3,862 $3,324 $3,545 $10,482 $13,598 $4,422 $4,815
Progressive $2,782 $2,646 $2,450 $2,511 $10,993 $12,245 $3,275 $3,299
State Farm $2,163 $2,163 $1,920 $1,920 $5,120 $6,503 $2,348 $2,408
USAA $1,863 $1,889 $1,787 $1,797 $5,071 $5,546 $2,495 $2,698

Buy Cheap McAllen, TX Auto Insurance for Teen Drivers

Auto insurance for teenagers in McAllen can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in McAllen, TX are listed here.

Annual Auto Insurance Rates for Teen Drivers in McAllen, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,333 $12,497
American Family $9,235 $12,106
GEICO $5,799 $5,882
Nationwide $10,482 $13,598
Progressive $10,993 $12,245
State Farm $5,120 $6,503
USAA $5,071 $5,546

Buy Cheap McAllen, TX Auto Insurance for Seniors

You can save on senior auto insurance rates in McAllen, Texas by comparing McAllen senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in McAllen, TX here.

Annual Auto Insurance Rates for Senior Drivers in McAllen, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,934 $3,934
American Family $3,448 $3,936
GEICO $2,650 $3,090
Nationwide $3,324 $3,545
Progressive $2,450 $2,511
State Farm $1,920 $1,920
USAA $1,787 $1,797

Find Cheap Auto Insurance Rates in McAllen, TX by Coverage Level

The amount of coverage you choose is a big factor in the cost of McAllen, Texas auto insurance. Compare McAllen, TX auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in McAllen, Texas

Insurance Company Low Medium High
Allstate $5,957 $6,044 $6,289
American Family $5,647 $5,835 $6,734
GEICO $3,283 $3,492 $3,976
Nationwide $6,347 $5,705 $5,884
Progressive $4,689 $4,994 $5,393
State Farm $2,868 $3,045 $3,291
USAA $2,768 $2,875 $3,036

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Find Cheap McAllen, TX Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in McAllen. Compare auto insurance rates in McAllen, TX by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in McAllen, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,949 $6,245
American Family $6,072 $6,072
GEICO $3,510 $3,657
Nationwide $5,979 $5,979
Progressive $5,025 $5,025
State Farm $3,068 $3,068
USAA $2,855 $2,931

Find Cheap McAllen, TX Auto Insurance Rates by ZIP Code

Auto insurance rates in McAllen, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in McAllen, TX to see how much where you live in McAllen affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in McAllen, Texas

ZIP Code Average Annual Rates
78501 $6,758
78503 $6,809
78504 $6,843

Find Cheap McAllen, TX Auto Insurance Rates by Driving Record

Auto insurance rates in McAllen, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in McAllen, TX, take a look at the average cost for various violations versus rates for a clean driving record in McAllen.

Annual McAllen, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,764 $7,288 $7,571 $4,764
American Family $5,566 $7,001 $6,155 $5,566
GEICO $3,037 $4,012 $3,344 $3,942
Nationwide $5,153 $5,153 $7,753 $5,855
Progressive $4,380 $5,634 $5,140 $4,946
State Farm $2,729 $3,125 $3,690 $2,729
USAA $2,160 $3,192 $3,737 $2,482

Find Cheap McAllen, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in McAllen, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in McAllen for less when you shop around and compare rates from multiple McAllen, TX auto insurance companies.

Annual Auto Insurance Rates After a DUI in McAllen, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,571
American Family $6,155
GEICO $3,344
Nationwide $7,753
Progressive $5,140
State Farm $3,690
USAA $3,737

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Winners by Category: Where to Buy Cheap Auto Insurance in McAllen, TX

Compare rates from the cheapest auto insurance companies in McAllen, TX for your needs. Take a look at how McAllen, Texas auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in McAllen, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident State Farm
With 1 DUI GEICO
With 1 Speeding Violation USAA

Find Cheap McAllen, Texas Auto Insurance Companies

If you’re looking for the cheapest McAllen, TX auto insurance companies overall, you can compare them here. Find the best price for McAllen, Texas car insurance by company.

Average Annual Auto Insurance Rates by Company in McAllen, Texas

Insurance Company Average Annual Rates
Allstate $6,097
American Family $6,072
GEICO $3,583
Nationwide $5,979
Progressive $5,025
State Farm $3,068
USAA $2,893

What affects McAllen, Texas auto insurance rates?

Local factors affect auto insurance rates in McAllen, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact McAllen auto insurance rates.

Auto Theft in McAllen

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for McAllen, TX auto theft show a total of 55 vehicle thefts annually.

Commute Times in McAllen

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in McAllen, TX is 19.5 minutes according to City-Data.

Traffic in McAllen

How is traffic in McAllen, Texas? Inrix data shows that McAllen, TX traffic makes it the 730th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in McAllen, TX

You can buy cheap McAllen, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free McAllen, Texas auto insurance quotes from top companies.

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