Cheapest Car Insurance Quotes in McAllen

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. 

Texas Farm Bureau provides the cheapest minimum car insurance coverage in McAllen. Their Average 6 Month Premium is $303. Geico County Mutual is the most expensive at $396 for the same period. 

Cheapest Liability Coverage in McAllen, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$303	$51
USAA	$339	$57
Progressive	$353	$60
State Farm	$361	$61
Redpoint Insurance	$396	$65
Mercury	$459	$77
AAA Texas	$509	$84
Allstate	$700	$118
Farmers	$1152	$192
Redpoint County Mutual	$382	$63
Geico County Mutual	$396	$68

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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 Texas Farm Bureau at $133 per month and $791 for six months. 

Cheapest Full Coverage Car Insurance Quotes in McAllen, TX

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Texas Farm Bureau	$791	$133
Mercury	$940	$159
State Farm	$969	$163
AAA Texas	$983	$167
USAA	$1082	$182
Redpoint Insurance	$1159	$198
Progressive	$1336	$225
Southern County Mutual	$1534	$261
Allstate	$1824	$307
Farmers	$2919	$496
Redpoint County Mutual	$1138	$194
Geico County Mutual	$1272	$217

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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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
30s	Texas Farm Bureau	$832
40s	Nationwide	$826
50s	Texas Farm Bureau	$737
60s	Texas Farm Bureau	$681
70s	Texas Farm Bureau	$731

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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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