Cars and Trucks

Car Insurance in McAllen, Texas: Everything You Need to Know

If you are planning to buy car insurance in McAllen, Texas, expect to spend an average of $1580 yearly. That said, you can lower your car insurance premium if you compare rates across various insurance companies before insuring your car. Read this article to discover how certain factors affect the cost of your vehicle insurance.

Table of Contents

  • Car Insurance: McAllen Rates vs. State + National Averages
  • McAllen Auto Insurance Costs by Insurer
  • McAllen Auto Insurance Premiums by Driver Age
  • McAllen Car Insurance Premiums by Gender and Marital Status
  • Average McAllen Auto Insurance Rates After a Violation or Accident
  • McAllen Auto Insurance Premiums by Credit Tier
  • Cheaper McAllen Zip Codes
  • List of Insurance Companies in McAllen
  • Driving in McAllen

    Car Insurance: McAllen Rates vs. Texas + National Averages

    The average annual auto insurance rate in McAllen is $1580, according to The Zebra. That’s $165 more expensive than the Texas insurance average and $32 higher than the U.S. average.

    McAllen Auto Insurance Costs by Insurer

    Car insurance companies in McAllen provide coverage services to their policyholders at different prices. State Farm is the cheapest vehicle insurer in McAllen, while Allstate charges the most expensive car insurance premiums in the city.

    Here are the average annual car insurance rates from the best insurers in McAllen:

    • State Farm: $1358
    • USAA: $1375
    • GEICO: $1374
    • Allstate: $2622

      McAllen Auto Insurance Premiums by Driver Age

      Compare.com says teenage drivers pay the highest car insurance premiums in McAllen. The pay difference between teenage drivers and 20-year-old policyholders is $1861, which is the largest gap between any two driver age groups. As a teenager, the best way to reduce your insurance cost is to turn 20. The reason car insurance premiums for teenagers are so expensive is because they lack driving experience.

      Also, 60-year-old drivers pay higher insurance costs than those in their 50s. McAllen insurers increase the premiums of their policyholders after they retire.

      The average yearly car insurance rates for different driver age groups in McAllen are:

      • Teenage drivers: $3898
      • 20-year-olds: $2037
      • 30-year-olds: $1556
      • 40-year-olds: $1520
      • 50-year-olds: $1375
      • 60-year-olds: $1420
      • 70-year-olds: $1730

        McAllen Car Insurance Premiums by Gender and Marital Status

        Many McAllen car insurers consider marital status and gender when deciding what to charge their policyholders. The average vehicle insurance cost for married drivers is $102 lower than the single driver auto insurance average in the city. Likewise, widowed drivers enjoy vehicle insurance at cheaper rates than single drivers.

        Another factor affecting car insurance rates in this Texas city is gender. On average, car insurance for male drivers costs about $14 more than auto insurance for female policyholders, says The Zebra.

        Here are the average annual car insurance costs by marital status and gender:

        • Male: $1580
        • Female: $1566
        • Married: $1478
        • Single: $1580
        • Divorced: $1580
        • Widowed: $1441

          Average McAllen Auto Insurance Rates After a Violation or Accident

          If you have violations or accidents on your driving record, your auto insurance rate will most likely be expensive. Each violation can result in a small or large increase in your car insurance premium, depending on the severity of the event.

          Some violations that result in significant auto insurance premium spikes are reckless driving and driving under the influence (DUI). Usually, insurance companies in McAllen increase the rates of drivers with reckless driving histories by $826 every year. DUI violations attract an $847 annual premium increase, and drivers charged with major speeding violations might pay about $138 higher than the McAllen insurance average.

          The average yearly insurance rates for McAllen drivers with violations and accidents on their driving records include:

          • Reckless driving: $2406
          • DUI: $2427
          • Speeding ticket (when speed is 16-20 mph above speed limit): $1718
          • At-fault accident (when damages are less than $1000): $1992
          • At-fault accident (when damages are more than $2383): $2383

            McAllen Auto Insurance Rates by Credit Tier

            Your credit score affects your car insurance rates in McAllen. Car insurance prices for drivers with low credit scores are often higher than auto insurance for drivers with excellent credit scores. Drivers in McAllen who move from the ‘Very Poor’ (300-579) credit tier to the ‘Exceptional’ tier (800-850) might enjoy a 61 percent reduction in their vehicle insurance rates.

            Here are the average car insurance rates for McAllen drivers based on credit tier:

            • Very Poor: $3320
            • Fair: $1996
            • Good: $1580
            • Very Good: $1467
            • Exceptional: $1303

              Cheaper McAllen Zip Codes

              Vehicle insurers in McAllen provide coverage services cheaply to drivers who live in areas with low crime rates. You can also lower your car insurance cost by placing an anti-theft device in your car.

              In addition, insurance companies occasionally give discounts to policyholders whose vehicles are less likely to be stolen. To enjoy such deals, you must inform your insurance agent immediately if you take any precautions to protect your vehicle against theft.

              McAllen drivers living in areas under the following zip codes pay low car insurance premiums, according to Wire Fly:

              • 78501
              • 78502
              • 78503
              • 78504
              • 78505

                List of Insurance Companies in McAllen

                Many insurance companies in McAllen, including Allstate, USAA, GEICO, and State Farm, offer auto insurance services to local drivers at affordable rates.

                Driving in McAllen

                If you own a car in McAllen, you probably want to drive around the city and explore its popular attractions. Here are some places you can check out in McAllen:

                • International Museum of Art and Science: The International Museum of Art and Science hosts cultural events and educational programs. It’s near the Rio Grande River and boasts an interactive science playground where visitors can learn about the Rio Grande and observe NASA science presentations.
                • Quinta Mazatlan: Quinta Mazatlan is a center for environmental education and birdwatching in McAllen. You can visit the center to watch the rare species of birds that appear in the area.

                  Check this out if you need additional information, resources, or guidance on car insurance.

                  Sources:

                  McAllen, TX Car Insurance | thezebra.com

                  McAllen, TX Car Insurance | compare.com

                  Cheapest Auto Insurance Rates in McAllen, TX | wirefly.com

                  Best Car Insurance in Texas: Everything You Need to Know | caranddriver.com

                  Non-Owner Car Insurance in Texas: Everything You Need to Know | caranddriver.com

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