Cheapest Car Insurance In McAllen, TX 2024
State Farm is the most affordable option in McAllen, offering an average rate of $40 per month for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When exploring car insurance options in McAllen, TX, prices can vary significantly.
For liability-only coverage, State Farm stands out as the top choice. Drivers needing full coverage will also find that State Farm provides the best rates, while Direct Auto offers the lowest premiums for young drivers.
Cheapest Car Insurance Companies In McAllen, TX 2024
Cheapest Minimum Coverage Car Insurance In McAllen: State Farm
State Farm offers the lowest rates for minimum coverage in McAllen, with an average monthly cost of $40.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mile Auto | $55 | $660 |
| GEICO | $45 | $540 |
| Hugo | $65 | $780 |
| State Farm | $40 | $480 |
| Allstate | $50 | $600 |
Cheapest Full Coverage Rates In McAllen: State Farm
State Farm provides the lowest rates for full coverage in McAllen, with average quotes of $60 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $110 | $1,320 |
| GEICO | $65 | $780 |
| Mile Auto | $105 | $1,260 |
| Allstate | $90 | $1,080 |
| State Farm | $60 | $720 |
Most Affordable Rates In McAllen For Teenagers: Direct Auto
In McAllen, teenage drivers can find the most affordable quotes from Direct Auto, with average monthly premiums of $95.
| Provider | Average Monthly Cost | Average Annual Cost |
| Dairyland Auto | $340 | $4,080 |
| State Farm | $220 | $2,640 |
| Texas Farm Bureau Group | $270 | $3,240 |
| Direct Auto | $95 | $1,080 |
| USAA | $245 | $2,940 |
Cheapest For Seniors: State Farm
State Farm offers the most affordable car insurance rates for seniors in McAllen, with average quotes of $80 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury Insurance | $115 | $1,380 |
| USAA | $125 | $1,500 |
| State Farm | $80 | $960 |
| Mercury | $120 | $1,440 |
| Texas Farm Bureau Group | $110 | $1,320 |
Cheapest For Young Adults: Direct Auto
Direct Auto provides the lowest quotes for young adults in McAllen, with rates averaging around $70 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Clearcover | $150 | $1,800 |
| Kemper Auto Premium | $110 | $1,320 |
| Safeco | $140 | $1,680 |
| Direct Auto | $70 | $840 |
| State Farm | $145 | $1,740 |
Best Car Insurance Companies In McAllen
Here are the top 10 car insurance companies in McAllen, TX, ranked by their average monthly rates:
| Company | Monthly Premium |
| USAA | $153 |
| Mercury Insurance | $165 |
| Direct Auto | $70 |
| Loya Insurance | $170 |
| State Farm | $101 |
| Mercury | $181 |
| AssuranceAmerica | $180 |
| Kemper Auto Premium | $134 |
| Texas Farm Bureau Group | $150 |
| SafeAuto | $120 |
Average Rates In McAllen – By Age
| Age | Average Yearly Rate |
| Teenagers | $3,720 |
| 20s | $2,700 |
| 30s | $1,980 |
| 40s | $2,400 |
| 50s | $1,800 |
| 60s | $1,380 |
| 70s | $2,040 |
Cheapest Car Insurance In McAllen After A Speeding Ticket: State Farm
State Farm is quite affordable compared to other companies, offering average rates of $90 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA Texas | $175 | $2,100 |
| Allstate | $140 | $1,680 |
| State Farm | $90 | $1,080 |
| Progressive | $120 | $1,400 |
| Texas Farm Bureau | $100 | $1,200 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the lowest car insurance quotes for drivers with an at-fault incident, with an average rate of $105 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $220 | $2,640 |
| AAA Texas | $190 | $2,280 |
| State Farm | $105 | $1,260 |
| Progressive | $170 | $2,040 |
| Texas Farm Bureau | $165 | $1,980 |
Cheapest Car Insurance In McAllen For Drivers After A DUI: Progressive
Progressive offers the lowest rates for drivers in McAllen after a DUI, with average monthly premiums of $110.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $205 | $2,460 |
| State Farm | $160 | $1,920 |
| AAA Texas | $200 | $2,400 |
| Progressive | $110 | $1,320 |
| National General | $175 | $2,100 |
How Much Is Car Insurance In Other Cities in Texas?
| City | Average Monthly Rate |
| Dallas | $178 |
| Lubbock | $169 |
| Corpus Christi | $158 |
| El Paso | $160 |
| Beaumont | $158 |
| Austin | $157 |
| Houston | $190 |
| Arlington | $165 |
| Fort Worth | $155 |
| Amarillo | $145 |
Average Rates In McAllen – By Vehicle
| Vehicle | Average Monthly Rate |
| 2016 Mercedes-Benz C | $860 |
| 2018 Infiniti QX80 | $320 |
| 2024 Chrysler Pacifica | $105 |
| 2014 Nissan Rogue | $143 |
| 2021 Ford F250 | $375 |
Average Cost Of Auto Insurance In McAllen – By Zip Code
| City | Average Monthly Rate |
| 78503 | $158 |
| 78502 | $176 |
| 78501 | $196 |
| 78574 | $225 |
| 78504 | $165 |
Our Methodology
Based on a detailed analysis of customer service ratings, product options, pricing, and insights from online reviews and user experiences, I've developed a comprehensive overview of car insurance providers in McAllen, TX.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in McAllen?
In McAllen, State Farm offers the lowest rates for both the minimum coverage required by Texas and for full coverage, including comprehensive and collision coverage.
What is the average cost of car insurance in McAllen?
In McAllen, the average cost of car insurance is approximately $178 per month. Rates can vary based on factors such as your zip code, the year and model of your car, and your driving record.
