Auto Insurance in McAllen, TX
Auto insurance coverage in McAllen, Texas will vary based on different personal demographic factors, including your age, driving record, vehicle type, desired coverage limits, and the insurance provider you prefer.
We can help you compare car insurance quotes from the best insurance providers fast for McAllen drivers looking for cheap auto rates and coverage in Texas. To find cheap auto insurance in McAllen, follow the steps listed in our guide to find average costs and save money.
How Much Does Car Insurance Cost in McAllen, TX?
McAllen is a southern Texas city also known as the “City of Palms”. The area is made up of four counties including Starr, Hidalgo, Willacy and Cameron County. The Rio Grande Valley area boasts a population of over 1 million residents.
Drivers in McAllen on average pay around $1,228 yearly for state minimum coverage or $97 a month. If you are looking for a full coverage auto policy you can expect to pay around $2,200 per year or $102 a month.
Here is a the average state minimum coverage costs monthly by county and vehicle type from our 2023 cost database for McAllen and surrounding areas:
| 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 |
Cheap McAllen Car Insurance Providers
The cheapest car insurance providers in McAllen is USAA, Texas Farm Bureau, AAA and Progressive for the average middle-aged single person who drives a used 4 door car with a clean driving record.
Here is a breakdown from our cost database for yearly state minimum coverage and full coverage by insurance provider for a used vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA | $568 | $1,910 |
| Texas Farm Bureau | $638 | $2,025 |
| AAA | $763 | $2,284 |
| Progressive | $782 | $2,472 |
| GEICO | $908 | $2,424 |
| State Farm | $942 | $2,610 |
| All State | $1,292 | $2,750 |
Newer Vehicle Insurance Rates
The average cost for auto insurance for a new 2022 – 2023 four door vehicle on average will cost $738 for state minimum coverage and $2,656 for a full coverage policy. Below you’ll find a breakdown insurance providers for both coverage types on a new vehicle:
| 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 |
Car Insurance Costs by Age in TX
Age is a significant factor that affects TX auto insurance rates. Generally, younger and older drivers tend to pay higher premiums compared to drivers in the middle age group. Here’s how age can influence car insurance costs:
- Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
- Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
- Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.
Here is a comparison of the amounts you can expect to pay based on age in Texas – as you can see young drivers will pay much more on premiums until there is a significant drop in costs at age 29. Your auto policy continues to get cheaper until age 65 when it slowly starts increasing as you age.
| 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 |
How to Find Cheap Car Insurance Rates in McAllen
When looking for cheap car insurance in McAllen, Texas – There are some key factors to consider so you know exactly what you should expect to pay on your rates and can find the best coverage for your vehicle:
- Research and gather information: Start by researching various insurance companies that offer car insurance in McAllen. Look for companies that have a good reputation, positive customer reviews, and a strong presence in the area.
- Determine your coverage needs: Assess your specific coverage requirements. Consider factors such as your budget, the value of your vehicle, your driving habits, and any additional coverage options you may need. This will help you determine the type and level of coverage you should seek.
- Obtain quotes from multiple providers: InsuranceQuotes can help you compare quotes based on your coverage needs online. Simply provide details such as your driving history, vehicle information, and coverage preferences in our simple online form with the zip code bar above.
- Compare rates and coverage: Once you receive quotes from multiple providers, compare them side by side. Look not only at the premium costs but also at the coverage limits, deductibles, and any additional benefits or discounts offered by each insurer. This will help you make an informed decision based on both affordability and quality of coverage.
- Research discounts and savings opportunities: Inquire about available discounts that can help you save on your car insurance premiums. Common discounts include safe driver discounts, good student discounts, multi-policy discounts (if you bundle your car insurance with other policies like home or renters insurance), and discounts for certain safety features in your vehicle.
- Check local agents and insurance brokers: Consider reaching out to local insurance agents or brokers in McAllen. They can provide personalized assistance, answer your questions, and help you find the best coverage options for your needs. Local agents may also have a good understanding of specific factors that may affect insurance rates in the McAllen area.
- Review and understand the policy: Before finalizing your decision, carefully review the terms and conditions of the policy you intend to purchase. Understand what is covered, any exclusions or limitations, and any additional fees or charges.
By following these steps, you can find the best car insurance in McAllen, Texas, that suits your needs and budget. Remember to periodically review your policy to ensure it continues to meet your requirements as your circumstances change.
How Much Car Insurance Do You Need?
According to the Texas Department of Insurance, you must have enough insurance to cover the following state-minimum liability limits:
- $30,000 per person
- $60,000 per accident
- $25,000 for property damage
This is known as 30/60/25 coverage in Texas. You must carry proof of insurance at all times when you drive and show it to a police officer when asked, after an accident, when you renew your license or registration, and during you car inspection. If you don’t, you can face a fine and potential license suspension. It’s important to follow all local TX driving laws to avoid costly driving violations.
