Cheapest Car Insurance In McAllen, TX 2025
If you’re in McAllen, Mercury is your most affordable choice for basic auto coverage at around $42 monthly.
We’ve saved shoppers an average of $600 per year on their car insurance.
Hunting for low-cost car insurance in McAllen, TX shows that rates can range quite a bit.
Drivers wanting the cheapest liability-only insurance will find Mercury is the best pick. Those needing full coverage get the lowest rates from State Farm, while young drivers save the most with Direct Auto.
Cheapest Car Insurance Companies In McAllen, TX 2025
Cheapest Liability-only Car Insurance In McAllen: Mercury
Mercury is the most affordable option for basic car insurance in McAllen, charging about $42 each month.
Use the chart below to compare prices from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $42 | $504 |
| Texas Farm Bureau | $52 | $624 |
| National General | $65 | $780 |
| State Farm | $45 | $540 |
| Allstate | $71 | $852 |
Cheapest Full Coverage Insurance Rates In McAllen: State Farm
In McAllen, State Farm provides the cheapest full coverage car insurance, averaging $95 per month.
Below is a comparison of average auto insurance rates from affordable companies in McAllen.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $95 | $1,140 |
| Texas Farm Bureau | $105 | $1,260 |
| Mercury | $143 | $1,716 |
| Allstate | $140 | $1,680 |
| Progressive | $98 | $1,176 |
Cheapest Car Insurance Rates For Seniors: State Farm
For seniors in McAllen, State Farm has the cheapest car insurance, charging about $86 a month.
Below is a table showing average rates from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $86 | $1,032 |
| Texas Farm Bureau Group | $116 | $1,392 |
| USAA | $125 | $1,500 |
| Mercury | $124 | $1,488 |
Cheapest Rates In McAllen For Teenagers: State Farm
Teen drivers in McAllen can get the cheapest quotes from State Farm, averaging $142 per month.
Below is a table showing the cheapest insurance providers for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $142 | $1,704 |
| Mile Auto | $256 | $3,072 |
| Allstate | $211 | $2,532 |
| Nationwide | $325 | $3,900 |
| Clearcover | $432 | $5,184 |
Cheapest Auto Insurance For Young Adults in McAllen: Direct Auto
Direct Auto provides the cheapest car insurance quotes for young adults in McAllen, averaging $72 monthly.
The table below helps you compare cheap auto insurance prices for young adults in McAllen.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $72 | $864 |
| State Farm | $144 | $1,728 |
| Safeco | $145 | $1,740 |
| Kemper Auto Premium | $110 | $1,320 |
| Clearcover | $150 | $1,800 |
Cheapest Car Insurance In McAllen For Good Drivers: Mercury
Good drivers in McAllen can get the cheapest insurance quotes from Mercury, costing around $42 a month.
Good drivers can use the table below to compare average rates from the most affordable insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $42 | $504 |
| Texas Farm Bureau | $52 | $624 |
| National General | $65 | $780 |
| State Farm | $45 | $540 |
| Allstate | $71 | $852 |
Find affordable McAllen rates
Cheapest Car Insurance In McAllen After A Speeding Ticket: Travelers
Compared to other insurers in McAllen, State Farm offers cheap rates, averaging $96 a month for drivers with a speeding ticket.
The table below shows average rates for drivers with speeding tickets.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $96 | $1,152 |
| Allstate | $140 | $1,680 |
| Mercury | $204 | $2,448 |
| Progressive | $125 | $1,500 |
| Texas Farm Bureau | $104 | $1,248 |
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers with an at-fault incident can get the cheapest car insurance from State Farm, with average monthly rates of $117.
If you’ve had an at-fault accident, the companies listed below provide the most affordable insurance rates.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $117 | $1,404 |
| Progressive | $163 | $1,956 |
| Texas Farm Bureau | $161 | $1,932 |
| Mercury | $284 | $3,408 |
| AAA Texas | $190 | $2,280 |
Cheapest Rates In McAllen For Drivers After A DUI: Progressive
For drivers with a DUI in McAllen, Progressive provides the cheapest insurance at about $115 a month.
If you have a DUI, check the table below for the most affordable insurance rates in McAllen.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $115 | $1,380 |
| State Farm | $165 | $1,980 |
| AAA Texas | $198 | $2,376 |
| Mercury | $190 | $2,280 |
| National General | $176 | $2,112 |
Best Car Insurance Companies In McAllen
McAllen drivers can get the best deal with Mercury at $42 monthly, but State Farm ($45) and Texas Farm Bureau ($52) are also worth a look.
The table below ranks the top 10 auto insurers in McAllen, TX, based on their average monthly premiums.
| Company | Monthly Premium |
| Mercury | $42 |
| Texas Farm Bureau | $52 |
| National General | $65 |
| State Farm | $45 |
| Allstate | $71 |
| AAA Texas | $70 |
| Progressive | $58 |
| Nationwide | $90 |
| Chubb | $121 |
| Direct Auto | $134 |
How Much Is Car Insurance In Other Cities in Texas?
Your location plays a major role in determining your insurance costs. Insurance companies consider factors like how often accidents, thefts, and vandalism happen nearby, which usually makes rates higher in urban places.
Drivers in Houston typically pay around $186 each month for insurance, while those in Waco pay about $125.
Average Rates In McAllen – By Age
Car insurance costs are heavily influenced by age. Since young drivers are less experienced and more prone to accidents, they often face higher premiums. Teen drivers can expect to pay around $3,770 annually.
At age 25, drivers often start to see lower insurance costs, as long as they haven’t had any accidents or violations.
Car insurance tends to be cheapest for people in their 50s and early 60s because companies see them as experienced and less risky.
| Age | Average Yearly Rate |
| Teenagers | $3,770 |
| 20s | $2,666 |
| 30s | $2,032 |
| 40s | $2,345 |
| 50s | $1,799 |
| 60s | $1,378 |
| 70s | $1,999 |
Average Rates In McAllen – By Vehicle
Your car’s make, model, and age affect how much you’ll pay for insurance. Newer or high-end vehicles with advanced features often come with higher premiums.
The table below shows average car insurance costs in McAllen by vehicle type.
| Vehicle | Average Monthly Rate |
| Mercedes-Benz C | $860 |
| Infiniti QX80 | $320 |
| Chrysler Pacifica | $105 |
| Nissan Rogue | $143 |
| Ford F250 | $375 |
Average Cost Of Auto Insurance In McAllen – By Zip Code
Your zip code helps insurers figure out local crime levels, so car insurance prices differ depending on where you live.
Use the table below to compare average insurance costs for various zip codes in McAllen.
| City | Average Monthly Rate |
| 78503 | $158 |
| 78502 | $176 |
| 78501 | $196 |
| 78574 | $225 |
| 78504 | $165 |
Find affordable McAllen rates
Our Methodology
Using a full review of customer ratings, coverage options, prices, and feedback from multiple online sources, I created a comprehensive look at McAllen, TX car insurance providers.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in McAllen?
For the minimum car insurance required , Mercury has the lowest rates in McAllen, and State Farm offers the best prices for full coverage with comprehensive and collision.
What is the average cost of car insurance in McAllen?
Car insurance in McAllen typically costs about $180 a month on average, though factors like where you live, your car’s age, and your driving record can affect the price.
