McAllen Car Insurance

The Zebra
May 30, 2018

Car Insurance in McAllen

Texas premiums, which are 27% greater than the national average, are known for being costly. Premiums run even higher in the city, so in McAllen, it is vital to save while insuring a vehicle. Let’s get started on how to save on car insurance in McAllen.

  • City Average: $1,991
  • State Average: $1,810
  • National Average: $1,427

McAllen Car Insurance by Gender and Marital Status

Car insurance premiums in McAllen are affected by gender and marital status. Did you know that in your city marital status can actually change your premiums substantially? Being married can save you close to 10% per year compared to being single or divorced. Rates for those who are widowed are also much cheaper than rates for those who are single. 1% is the amount by which men's and women's car insurance premiums vary.

  • Female: $1,970
  • Male: $1,991
  • Single: $1,991
  • Married: $1,789
  • Divorced: $1,991
  • Widowed: $1,800

McAllen Car Insurance by Credit Rating

The disparity between average car insurance premiums in McAllen for individuals with Very Poor credit (300-579) and Exceptional credit (800-850) is $1,860 per year. Shifting from Very Good (740-799) to Exceptional (800-850) hands over the largest percent drop in premiums to drivers, as they save close to 20% per year.

  • Very Poor: $3,515
  • Fair: $2,963
  • Good: $2,453
  • Very Good: $2,060
  • Exceptional: $1,655

McAllen Car Insurance by Age

At $1,687, drivers in their 50s have the smallest insurance premiums among any age group. However, those in their 60s ($1,748) aren’t paying much more. In McAllen, when drivers hit their 20s, therefore moving out of the teenage age bracket, they pay 61% less in premiums. You will not see a bigger gap between any other age group. Turning 60 triggers a rise in rates, but up until that age drivers can expect premium reductions when they move from one age group to the next. Teenage drivers have the biggest premiums of any age group, with car insurance payments of $6,144 on average.

  • Teenagers: $6,144
  • 20s: $2,381
  • 30s: $1,962
  • 40s: $1,899
  • 50s: $1,687
  • 60s: $1,748
  • 70s: $2,135

McAllen Car Insurance by Accident or Violation History

Possessing an unblemished driving record is vital if you want to keep the cost of rates low. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. You can expect your yearly car insurance premiums to rise by $952 if you are found at-fault in an accident in McAllen. In McAllen, drivers with a DUI need to spend 40% more than the city average to insure their vehicle. Reckless driving will also bump your rates up, with average rates of $2,717, which are 36% higher than the city average.

  • DUI: $2,785
  • Reckless Driving: $2,717
  • At-fault Accident (damages less than $1000): $2,943
  • At-fault Accident (damages greater than $2000): $2,943
  • Speeding Ticket (16-20 mph over speed limit): $2,078

Compare over 200 insurance companies at once!