For a 40-year-old driver with a clean record, McAllen car insurance averages about $261 a month ($3,135 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 4% above the Texas average of $251 a month. State Farm has the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $168 a month.
McAllen costs about 4% more than the Texas average for our benchmark driver. State Farm has the lowest average of any insurer we rank here, about 21% below Auto Club (AAA), and it’s lower than USAA.
The three McAllen ZIP codes we price are close together, from about $260 a month in 78501 and 78504 to $264 in 78503.
Cost data comes from the auto rates insurers file with state regulators, priced across all three McAllen ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 12, 2026.
Full coverage in McAllen averages $3,135 a year, or about $261 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,214 a year ($101 a month), and 50/100/50 liability with comprehensive and collision averages $2,786 ($232 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $463 a month is 2.1 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the McAllen average would be about $221 a month.
State Farm has the lowest full-coverage average among the six insurers in our McAllen rate data. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, averages run from about $59 to $184 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in McAllen
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| State Farm | $702 | $59 | $2,016 | $168 |
| USAA (military families) | $761 | $63 | $2,383 | $199 |
| Auto Club (AAA) | $1,142 | $95 | $2,544 | $212 |
| GEICO | $1,128 | $94 | $2,909 | $242 |
| Progressive | $1,342 | $112 | $3,401 | $283 |
| Allstate | $2,209 | $184 | $5,556 | $463 |
| Texas Farm Bureau* | $643 | $54 | $1,487 | $124 |
| Farmers* | $1,632 | $136 | $4,912 | $409 |
| McAllen average | $1,214 | $101 | $3,135 | $261 |
This table uses McAllen ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the three McAllen ZIP codes we price, full coverage for our driver ranges from about $260 a month in 78501 and 78504 to $264 in 78503, a gap of $50 a year.
Lowest-priced McAllen ZIP codes
Highest-priced McAllen ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below McAllen’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 78501 | $1,222 | $102 | $3,118 | $260 | About average |
| 78503 | $1,232 | $103 | $3,168 | $264 | +1% |
| 78504 | $1,188 | $99 | $3,118 | $260 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $349 a year on average in our McAllen data, with the same $500 deductibles. That’s about $29 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not by much, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same McAllen ZIP codes, their full-coverage average rose from $2,644 a year 10 months earlier to $2,651 in rates as of Sept. 30, 2026, a 0.3% increase. Progressive cut its McAllen average 5.2% and Auto Club (AAA) 3.8%, while USAA raised its average 8.2% and GEICO 5.4%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the McAllen average above. Liability-only coverage at 30/60/25 limits fell 0.8%, led by USAA, which cut its liability-only average 9.7%.
Mexico doesn’t recognize American auto insurance policies, so the Texas Department of Insurance says drivers heading into Mexico should buy a Mexican liability insurance policy. Some insurers sell add-on coverage for short trips, but it might not meet Mexico’s legal requirements.
Hidalgo County averages about $265 a month for full coverage in our data, the fifth-most expensive of the 179 Texas counties we price. Across the 13 cities and towns we price there, full coverage runs from about $255 a month in Mercedes to $274 in Weslaco.
| City or Town: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Weslaco | 2 | $1,234 | $103 | $3,285 | $274 |
| Penitas | 1 | $1,208 | $101 | $3,212 | $268 |
| Edinburg | 3 | $1,229 | $102 | $3,205 | $267 |
| Hidalgo | 1 | $1,228 | $102 | $3,198 | $267 |
| Sullivan City | 1 | $1,176 | $98 | $3,179 | $265 |
| Edcouch | 1 | $1,210 | $101 | $3,173 | $264 |
| Mission | 3 | $1,202 | $100 | $3,168 | $264 |
| San Juan | 1 | $1,216 | $101 | $3,147 | $262 |
| Pharr | 1 | $1,203 | $100 | $3,143 | $262 |
| Alamo | 1 | $1,205 | $100 | $3,139 | $262 |
| McAllen | 3 | $1,214 | $101 | $3,135 | $261 |
| Donna | 1 | $1,198 | $100 | $3,134 | $261 |
| Mercedes | 1 | $1,152 | $96 | $3,061 | $255 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
Laredo, about 120 miles northwest, averages $250 a month, and Corpus Christi, about 120 miles north, $233.
Drivers in McAllen follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Across the four counties in the McAllen area and 34 ZIP codes we price there, full coverage runs from about $238 a month in Willacy County to $265 in Hidalgo County. The Texas average is $251. These figures use the same rate data and benchmark driver as the rest of this page.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Hidalgo County | 20 | $1,210 | $101 | $3,174 | $265 |
| Starr County | 2 | $1,061 | $88 | $3,001 | $250 |
| Cameron County | 11 | $1,095 | $91 | $2,929 | $244 |
| Willacy County | 1 | $1,038 | $87 | $2,850 | $238 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the McAllen averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the four counties in this table, SUV policies cost the least on average and hybrid policies the most, about 22% more. Search the table for your county.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Cameron | $1,266 | $1,089 | $1,201 | $1,266 | $1,329 |
| Hidalgo | $1,317 | $1,132 | $1,247 | $1,315 | $1,380 |
| Starr | $1,275 | $1,089 | $1,199 | $1,283 | $1,350 |
| Williamson | $1,200 | $1,032 | $1,148 | $1,195 | $1,256 |
| Avg. Yearly Cost: | $1,265 | $1,086 | $1,199 | $1,265 | $1,329 |
| Avg. Monthly Costs: | $105.38 | $90.46 | $99.90 | $105.40 | $110.73 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in McAllen averages about $261 a month ($3,135 a year) and liability-only coverage about $101 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 4% above the Texas average of $251 a month. Without Allstate, the McAllen average is about $221 a month.
State Farm has the lowest full-coverage average in our McAllen rate data, at about $168 a month, followed by Auto Club (AAA) at $212 among insurers anyone can buy from. USAA, which sells only to military families, averages about $199 a month. For liability-only coverage, averages run from about $59 to $184 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
McAllen, by a little, for our benchmark driver. McAllen full coverage averages about $261 a month and Edinburg about $267, a difference of about $6 a month.
In our data, 78501 and 78504 share the lowest full-coverage average in McAllen, at about $260 a month, and 78503 the highest, at about $264. The ZIP code table on this page lists all three.
In our McAllen data, full coverage (100/300/100 with $500 deductibles) averages about $261 a month and liability-only coverage at 30/60/25 limits about $101, a difference of about $160 a month ($1,921 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not by much, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their McAllen full-coverage average rose 0.3%, from about $2,644 to $2,651 a year. That’s lower than the McAllen average of $3,135 because it leaves out Allstate. Progressive cut its McAllen average 5.2% and Auto Club (AAA) 3.8%, while USAA raised its average 8.2% and GEICO 5.4%. Liability-only coverage at 30/60/25 limits fell 0.8%.
For our benchmark driver, full coverage in McAllen averages about $261 a month. Nearby, Laredo averages about $250, Corpus Christi about $233 and San Antonio about $258. Laredo, Corpus Christi and San Antonio are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
