Cheapest Car Insurance Quotes in McAllen

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McAllen Car Insurance

^$ 60

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in McAllen

The car insurance rate in McAllen is $1522 for a six-month policy, which is $243 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $940, making it a popular choice for budget-conscious drivers. Rates in McAllen can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in McAllen

$1522

Avg. Car Insurance in Texas

$1279

National Average

$1278

Cheapest Car Insurance Companies in McAllen

1st place: Mercury

At $940 for a six month policy, Mercury offers the cheapest auto insurance rates in the city.

2nd place: Texas Farm Bureau

Texas Farm Bureau offers auto insurance rates at $976 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AAA Texas

AAA Texas offers auto insurance rates at $983 for six months, making it the third cheapest auto insurance company in McAllen.

McAllen Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in McAllen, TX is Mercury, offering policies at just $940 for a six-month term. This is followed by Texas Farm Bureau, which has an average six-month premium of $976.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $2919 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help McAllen drivers find the best deals.

Cheap Car Insurance Companies in McAllen, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$940	$157
Texas Farm Bureau	$976	$165
AAA Texas	$983	$164
State Farm	$1017	$171
USAA	$1110	$187
Redpoint Insurance	$1159	$198
AAA	$1428	$238
Progressive	$1484	$250
Southern County Mutual	$1534	$256
Allstate	$3195	$538
Farmers	$2919	$496

Key Takeaways

Way's key takeaways about car insurance in McAllen

The auto insurance costs in McAllen fall around $940 for six months.
The cheapest auto insurance company in McAllen is USAA.
Teen drivers pay the highest rate in McAllen at $1620 per month.

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Cheapest Minimum Liability Car Insurance in McAllen

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in McAllen are given below.

USAA provides the cheapest minimum car insurance coverage in McAllen. Their Average 6 Month Premium is $353. Farmers is the most expensive at $1152 for the same period.

Cheapest Liability Coverage in McAllen, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$353	$60
Texas Farm Bureau	$368	$63
State Farm	$382	$64
Redpoint Insurance	$396	$68
Mercury	$459	$77
AAA	$509	$87
AAA Texas	$509	$84
Progressive	$524	$88
Allstate	$1103	$186
Farmers	$1152	$192

Cheapest Full Coverage Car Insurance in McAllen

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in McAllen is Mercury at $157 per month and $940 for six months.

Cheapest Full Coverage Car Insurance Quotes in McAllen, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$940	$157
Texas Farm Bureau	$976	$165
AAA Texas	$983	$164
State Farm	$1017	$171
USAA	$1110	$187
Redpoint Insurance	$1159	$198
AAA	$1428	$238
Progressive	$1484	$250
Southern County Mutual	$1534	$256
Allstate	$3195	$538
Farmers	$2919	$496

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Average Car Insurance in McAllen by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in McAllen, TX increasing?

Despite maintaining a clean driving record, your car insurance rates in McAllen, Texas, may be increasing due to several external factors. Texas has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, McAllen's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in McAllen

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in McAllen,TX

If you are planning to get a car insurance policy for your teenage dependent, Redpoint Insurance provides the cheapest car insurance in the McAllen at $69 per month. At $9528 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$403	$69
Southern County Mutual	$524	$87
Mercury	$565	$96
AAA Texas	$644	$107
USAA	$1618	$273
State Farm	$1724	$290
Texas Farm Bureau	$1810	$308
AAA	$2969	$495
Allstate	$5436	$915
Progressive	$7578	$1276
Farmers	$9528	$1620

Teen Car Insurance Rates in TX by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in McAllen, Mercury is the cheapest car insurance provider. At $615 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in McAllen is Farmers, offering rates of around $4835 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$615	$102
Foremost	$735	$125
AAA Texas	$784	$131
Dairyland	$912	$155
USAA	$1371	$228
Progressive	$1965	$331
AAA	$2382	$397
Allstate	$5605	$953
State Farm	$7316	$1220
Texas Farm Bureau	$1378	$234
Farmers	$4835	$822

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Car Insurance Rates with An Accident in McAllen

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In McAllen, TX, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in McAllen

The cheapest car insurance companies after an at-fault accident in McAllen include Redpoint Insurance and Southern County Mutual, offering $403 and $488, respectively. Farmers is an expensive provider with an average six-month premium of $8023.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Redpoint Insurance	$403	$67
Southern County Mutual	$488	$83
AAA Texas	$757	$126
State Farm	$813	$137
Mercury	$919	$154
USAA	$1173	$198
Texas Farm Bureau	$1527	$255
AAA	$2424	$412
Progressive	$2594	$437
Allstate	$5054	$851
Farmers	$8023	$1364

McAllen Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in McAllen TX. For example, the car insurance in McAllen after a DUI increases to $933 for a six month policy. While the rate increases by $219 for a six-month policy in the case of a speeding ticket.

McAllen auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1527	$255
One Med/PIP claim	$1541	$262
One comp claim	$1618	$270
Not-at-fault accident	$1633	$277
Two Med/PIP claims	$1640	$274
Failure to show documents	$1697	$288
Driving with expired registration	$1710	$286
Two comp claims	$1724	$293
Cell phone violation	$1739	$290
Driving without lights	$1739	$295
Texting while driving	$1739	$290
Driving too slowly	$1746	$296
Speeding 11 - 15 MPH over limit	$1746	$292
Speeding 16 - 20 MPH over limit	$1746	$296
Speeding 6 - 10 MPH over limit	$1746	$292
Speeding in school zone	$1746	$296
Child safety restraint	$1753	$293
Failure to wear a seat belt	$1753	$298
In 65 MPH zone	$1760	$294
Failure to stop at a red light	$1767	$301
Failure to yield	$1767	$295
Following too closely	$1767	$301
Illegal turn	$1767	$295
Improper passing	$1767	$301
Speeding 21 - 25 MPH over limit	$1767	$295
Passing school bus	$1774	$302
Wrong way/wrong lane	$1774	$295
Operating a vehicle without permission	$1781	$303
At-fault accident - less than $1000	$1852	$308
Open container	$2085	$355
Driving with a suspended license	$2163	$361
Racing	$2291	$389
Reckless driving	$2291	$382
Leaving scene of an accident/hit and run	$2347	$399
At-fault accident - $1000-$2000	$2354	$393
Refusal to submit to a chemical test	$2424	$412
DUI	$2460	$411
At-fault accident - greater than $2000	$2559	$436

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in McAllen after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in McAllen.

The cheapest car insurance premiums in McAllen are offered by Mercury at $608 for a six-month policy. However, it can be as expensive as $3683 with companies like Farmers.

McAllen car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$608	$101
Foremost	$685	$117
Dairyland	$750	$125
AAA Texas	$791	$134
State Farm	$1039	$175
USAA	$1618	$273
Progressive	$1654	$278
Nationwide	$2000	$340
AAA	$3669	$612
Allstate	$4178	$703
Texas Farm Bureau	$1173	$200
Farmers	$3683	$614

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in McAllen are offered by Mercury at $630. However, it can be as expensive as $4008 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in McAllen after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$630	$105
State Farm	$650	$109
AAA Texas	$671	$112
USAA	$997	$169
AAA	$2424	$405
Progressive	$2587	$440
Allstate	$3931	$655
Texas Farm Bureau	$608	$104
Farmers	$4008	$682

Car Insurance Price Trends in McAllen, Texas

Car insurance rates in McAllen have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the McAllen remained steady at $257 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the McAllen remained steady at $83 in both February and January, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in McAllen?

The car insurance in McAllen is $60 per month, which is lower than the national average.

What is the cheapest car insurance in McAllen?

The cheapest car insurance in McAllen is $157 per month for full coverage.

How much is car insurance in McAllen for teenagers?

Car insurance for teenagers costs $403 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in McAllen?

The average cost of car insurance is $1279 for a six-month policy. It will cost around $256 per month to insure your car in McAllen.

Is car insurance expensive in McAllen?

Car insurance can be expensive in McAllen if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in McAllen can be affordable.

Cheapest Car Insurance Quotes in McAllen

Why you can trust Way?

How Much Is Car Insurance in McAllen

Avg. Car Insurance in McAllen

Avg. Car Insurance in Texas

National Average

Cheapest Car Insurance Companies in McAllen

1st place: Mercury

2nd place: Texas Farm Bureau

3rd place: AAA Texas

McAllen Car Insurance Rates by Company

Cheap Car Insurance Companies in McAllen, TX

Way's key takeaways about car insurance in McAllen

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in McAllen

Cheapest Liability Coverage in McAllen, TX

Cheapest Full Coverage Car Insurance in McAllen

Cheapest Full Coverage Car Insurance Quotes in McAllen, TX

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in McAllen by Rating Factor

I have a clean driving record. Why is my car insurance rate here in McAllen, TX increasing?

Car Insurance Premiums by Age in McAllen

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in McAllen,TX

If you are in your twenties N/A is the best choice for car insurance in McAllen.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in McAllen

Cheapest Car Insurance Companies after an At-Fault Accident in McAllen

McAllen Car Insurance Rates by Violation

McAllen auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in McAllen after a DUI

McAllen car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in McAllen after Speeding ticket

Car Insurance Price Trends in McAllen, Texas

Average Car Insurance Cost in McAllen by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near McAllen, TX

Car Insurance Rates by State in the USA (2025 Update)

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