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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Car insurance in McAllen costs an average of $177 per month, compared to the national average of $151, according to Compare.com data. While traffic patterns, claim frequency, and repair costs affect local rates, McAllen drivers can still find affordable coverage.
State Farm offers rates well below the city average. Its average rate is just $40 per month.
The article below highlights the cheapest car insurance companies in McAllen to help you get the best deal possible.
State Farm, GEICO, and Allstate are the cheapest car insurance companies in McAllen, on average.
McAllen drivers pay an average of $133 per month for liability-only coverage and $221 for full coverage.
Texas law requires drivers to buy 30/60/25 in minimum liability insurance.[1]
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Regardless of your area’s average rates, there are always ways to save money. The best way is to find the company that offers the cheapest rates for drivers like you.
To get you started, the table below highlights the cheapest car insurance companies in McAllen, Texas, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $40 |
| GEICO | $43 |
| Allstate | $57 |
| Mile Auto | $61 |
| USAA | $71 |
| Nationwide | $90 |
| Mercury | $92 |
| Root | $106 |
| Progressive | $110 |
| Dairyland | $116 |
| Safeco | $120 |
| Chubb | $121 |
| Clearcover | $131 |
| National General | $133 |
| The General | $133 |
| Direct Auto | $134 |
| AssuranceAmerica | $135 |
| Bristol West | $136 |
| 21st Century | $140 |
| Commonwealth Casualty | $140 |
| Elephant | $153 |
| GAINSCO | $170 |
| Foremost | $225 |
| Liberty Mutual | $237 |
| State Auto | $269 |
State Farm offers the cheapest rates on average, at $40 per month. But the cheapest insurer may not be the cheapest option for you. That’s because many factors can influence your costs.
Let’s take a look at how some of the most common factors affect rates in McAllen.
Compare personalized quotes from McAllen’s top insurers.
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While the companies above are a great place to start, your actual rates will vary depending on your age, driving record, address, and more.
Here are the cheapest car insurance companies on average based on coverage types and driver profiles, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $40 |
| Full coverage | State Farm | $73 |
| Teens | State Farm | $75 |
| Seniors | State Farm | $30 |
| Drivers with a speeding ticket | State Farm | $51 |
| Drivers with an at-fault accident | State Farm | $53 |
| Drivers with a DUI | State Farm | $65 |
| Drivers with excellent credit | State Farm | $35 |
| Drivers with poor credit | GEICO | $51 |
The average rate for minimum liability coverage in McAllen is $133 per month, according to Compare.com data.
While state-minimum coverage is all you need to drive legally in Texas, experts agree that most drivers should purchase more than the state requires.[2]
Still, if you need the most basic coverage available, start with the companies in the chart below. It shows the cheapest car insurance companies on average for state-minimum insurance, according to our data.
State Farm has the cheapest average state-minimum rates, at just $40 per month.
Let’s review full-coverage rates next.
While liability insurance meets state requirements, you should consider a full-coverage policy — especially if you can’t afford to repair or replace your car if you get in an accident. In addition to liability coverage, full-coverage car insurance typically includes comprehensive and collision coverage. And most lenders require full coverage when you have a car loan or lease.
Collision insurance helps pay for the repair or replacement of your vehicle if you’re in an accident with another car or an object (like a fence or tree). Comprehensive coverage pays for vehicle damage that isn’t related to a collision, such as natural disasters, vandalism, or theft.
Our data shows that the average monthly rate for full coverage in McAllen is $221, but many companies offer policies for much cheaper.
Here are five companies offering cheaper coverage, according to Compare.com research.
At $73 per month, State Farm offers McAllen’s most affordable full-coverage car insurance.
Car insurance is more expensive for teen drivers due to their disproportionately high crash and fatality rates. Teen drivers are three times more likely to get in a fatal crash than for drivers older than 19, according to the Insurance Institute for Highway Safety (IIHS).[3]
McAllen teens pay an average of $339 per month for car insurance — but that doesn’t mean you’re stuck paying sky-high rates.
Here are the cheapest car insurance companies for teens, according to our data.
Teen drivers in McAllen can secure the cheapest coverage from State Farm, at an average monthly rate of $75.
Senior drivers typically pay the lowest rates because they have fewer car accidents than other age groups, according to the National Safety Council.[4] But rates typically increase again once drivers reach 70 — when accident rates also rise.
The average premium for senior drivers in McAllen is $139 per month, according to our data. But the chart below shows the cheapest car insurance companies for McAllen seniors, according to our research.
Seniors can find the cheapest rates on average from State Farm, at $30 per month.
Even one speeding ticket can significantly affect your car insurance costs. Our research shows that insurance rates increase by an average of 27% nationwide after a ticket. In McAllen, drivers with a recent speeding ticket pay an average of $242.
Still, McAllen drivers with recent tickets can find cheaper rates with the five insurers in the chart below, according to Compare.com data.
Drivers in McAllen with a speeding ticket can find the cheapest monthly premiums with State Farm. The insurer charges an average rate of $51.
Our research shows that a single at-fault accident causes car insurance rates to increase by an average of 33% nationwide. In McAllen, drivers with a recent accident pay an average rate of $250.
The chart below lists five of the cheapest insurers in McAllen for drivers with a recent at-fault accident, according to Compare.com data.
State Farm has the most affordable auto insurance for McAllen drivers with a recent at-fault car accident. Its average rate for these drivers is $53 per month.
A DUI conviction typically causes one of the biggest increases in car insurance costs. In fact, a DUI hikes average prices by 61%, according to our data. In McAllen, the average driver with a DUI pays $285 per month. But some companies offer lower rates on average.
The following chart shows the cheapest companies for drivers with a DUI in McAllen, according to Compare.com data.
McAllen drivers with a DUI pay the cheapest average monthly rates with State Farm. Its average cost is just $65 per month for these drivers.
Your credit history can affect your auto insurance rates. Our research shows that drivers with poor credit pay premiums that are 40% higher than drivers with excellent credit. Drivers with poor credit pay $221 per month on average in McAllen, but several companies offer cheaper rates.
Here are the cheapest options on average for drivers with bad credit in McAllen, according to Compare.com data.
GEICO offers the cheapest monthly rates to drivers with bad credit, at an average monthly premium of $51.
Compare quotes side by side and lock in cheaper rates.
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Like most states, Texas requires drivers to purchase minimum liability coverage. Here’s a breakdown of the 30/60/25 limits.
$30,000 for bodily injury liability per person
$60,000 for bodily injury per accident
$25,000 for property damage liability per accident
The Texas Department of Insurance (TDI) also requires insurers to offer optional car insurance coverage, including:
Personal injury protection (PIP), which covers medical expenses and lost wages for you and your passengers, regardless of fault
Uninsured/underinsured motorist (UM/UIM) coverage, which helps pay for injuries and damages if you’re in an accident caused by a driver without insurance or enough coverage
If you don’t want PIP or UM/UIM coverage, you tell your insurer in writing. Otherwise, your insurer may automatically include it in your policy.[1]
Most experts recommend buying more auto insurance coverage than Texas’s state minimums, as the basic limits may not suffice for serious accidents. The TDI advises considering higher liability limits because minimum coverage may not cover all damages from an accident you cause.
Additionally, if you finance or lease your vehicle, lenders typically require comprehensive and collision coverage in addition to liability insurance.
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We’ve answered the most common questions about McAllen auto insurance to help you get the best rates.
State Farm offers the cheapest car insurance in McAllen, at just $40 per month, according to our research. But keep in mind that the cheapest option in general might not be the cheapest option for you. Always compare quotes to find your best rate.
The average cost for car insurance in McAllen is $177 per month. Liability-only coverage costs an average of $133 per month, and full coverage costs $221, according to our data.
Car insurance is expensive in Texas for several reasons. The increased costs for vehicle repairs and medical expenses have led to higher claim payouts. Frequent and severe storms have also resulted in more claims for vehicle damage. Finally, an uptick in traffic accidents post-pandemic has also increased the number of claims.[5]
Operating a motor vehicle without the required liability insurance is a misdemeanor offense in Texas. The fine for a first offense ranges from $175 to $350, and for subsequent offenses, it ranges from $350 to $1,000. Repeat offenders can also face suspension of their driver’s licenses and vehicle registrations.[6]
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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J.J. Starr is an insurance and personal finance expert who has been writing for Compare.com since 2022. Her work has been published across the web, appearing on sites such as Insurify.
Prior to writing for Compare.com, J.J. was a registered banker and life insurance consultant, holding a Series 6, FINRA, and life insurance license. She also earned a master’s degree in writing from New York University.
J.J. has a passion for helping people save money by explaining complex topics like car insurance in a way that is simple and easy to understand.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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