McAllen, TX Car Insurance

Explore our guide to auto insurance McAllen, Texas and find ways to save.

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How much does auto insurance cost in McAllen?

 

The average car insurance rate in McAllen, Texas, is $1,580 per year. That's more expensive than the statewide average in Texas ($1,415) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in McAllen.

 
CAR INSURANCE: MCALLEN RATES VS. STATE + NATIONAL AVERAGES
McAllen Average (per year)Texas AverageUnited States Average
$1,580$1,415$1,548
 
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McAllen auto insurance premiums by company

 

One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In McAllen, State Farm provides the most affordable rates for the typical insurance customer. See below the best companies for cheap auto insurance in McAllen — but don't forget to get personalized car insurance quotes to match your driving profile.

 
MCALLEN CAR INSURANCE RATES BY COMPANY
InsurerAverage Rate (annual)
State Farm$1,358
GEICO$1,374
USAA$1,375
Allstate$2,622
 

Read our guide to finding the best cheap auto insurance.

 
 

 

McAllen auto insurance premiums by age

The age group that pays the least for car insurance in McAllen are drivers in their 50s ($1,375 per year). Those in their 60s don't pay significantly more ($1,420).

Young drivers aged 16 to 19 pay the most for car insurance in McAllen. One of the most effective ways to lower your car insurance rates as a driver in McAllen is to age out of your teens. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in McAllen is $1,861, the largest such difference between any two age groups.

 
MCALLEN CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Yearly Rate
Teenagers$3,898
20s$2,037
30s$1,556
40s$1,520
50s$1,375
60s$1,420
70s$1,730
 

Learn more about the impact of age on auto insurance rates.

 
 

 

McAllen car insurance rates by marital status and gender

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in McAllen pay $102 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in McAllen, single drivers pay more than those who are widowed.

Gender is another factor that can affect car insurance rates. In McAllen, the gap in auto insurance rates between genders is $14 per year, with male drivers paying more than female drivers.

 
MCALLEN CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Gender/Marital StatusAverage Annual Rate
Female$1,566
Male$1,580
Single$1,478
Married$1,478
Divorced$1,580
Widowed$1,441
 

Learn more about how gender and marital status have on car insurance rates.

 
 

 

McAllen auto insurance rates by incident history

 

Maintaining a clean driving record is an effective way to minimize your insurance rates. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. McAllen drivers found guilty of reckless driving face insurance rate increases of $826 per year, compared to the citywide average. A DUI violation may lead to an $847 increase, while a citation for speeding leads to a $138 rate hike.

 
AVERAGE MCALLEN INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
CitationAverage Yearly Rate
DWI/DUI$2,427
Reckless Driving$2,406
At-fault Accident (damages less than $1,000)$1,992
At-fault Accident (damages greater than $2,000)$2,383
Speeding Ticket (16-20 mph over speed limit)$1,718
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

McAllen car insurance rates by credit level

 

Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. McAllen drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 61% on their car insurance premiums. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In McAllen, moving into the "Fair" credit tier corresponds to an average of $1,355 in savings on insurance each year.

 
MCALLEN CAR INSURANCE RATES BY CREDIT TIER
Credit ScoreAverage Yearly Rate
Very Poor$3,320
Fair$1,966
Good$1,580
Very Good$1,467
Exceptional$1,303
 

Learn more about the relationship between poor credit and car insurance.

 
 

 

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.