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How much is car insurance in Mcallen?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, it costs about the same to insure your vehicle in Mcallen as it does in the rest of Texas.
On the other hand, car insurance rates in Mcallen are often favorable when viewed against the rest of the country. You can expect to pay about $14 below the national average for auto insurance in Mcallen.
While these are the average car insurance rates for Mcallen, keep in mind that you could end up paying a different amount. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Your policy's monthly price is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
Don't sweat it however, we've broken down average rates for Mcallen residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Mcallen Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The longer you've been on the road, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to car insurance bills. According to the table above, you can see that 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Mcallen drivers may see their rates start to rise again once they hit retirement.
Mcallen Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. In Mcallen, the difference is around $4 a month. As illustrated in the table above, female drivers in the area pay about $63 on average, while male drivers pay around $67 each month.
Mcallen Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay lower rates than those with accidents or violations. Drivers in Mcallen with one accident will pay around $74 a month. Likewise, drivers with one ticket will be looking at a rate of around $93 a month on average.
Mcallen Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$67|
The most affordable vehicles to insure in Mcallen are typically cars, which run about $63 per month.
SUV owners will see rates of about $69, while truck and van owners usually pay around $68 per month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, the most expensive vehicles to insure are going to be newer ones. However, your rates may start to drop back down once your car is a few years old. In Mcallen, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old and eight-to-ten years old.
Mcallen Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$68|
On average, those who are currently married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Mcallen can be as much as $4 a month, so it's worth keeping that in mind.
Mcallen Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$76|
Your living situation is another component of how insurance companies calculate your monthly rate. Renters can expect to pay around $4 a month less than those who own their own home in Mcallen. But those who live at home with their parents can expect to pay significantly more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Mcallen, TX
Recent trends in car insurance for Mcallen drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
Auto insurance rates in Mcallen declined from 2017-2019, when they reached a low of $59. Rates began to increase in 2020, and this trend has continued through 2022, when rates have most recently hit $74.
How does Mcallen compare to neighboring areas?
Why are car insurance rates in Mcallen different from other areas?
Car insurance companies will take into account several factors when they're deciding how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you call home. These include things like:
- Community regulations
- Amount of off-street parking
- Road safety
- Total amount of drivers in the community
- Area crime rates
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.
How can I find the cheapest car insurance in Mcallen?
Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.
Luckily, Compare.com has you covered. Put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering plans in Mcallen in no time.
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Mcallen Auto Insurance FAQs
What factors affect car insurance quotes in Mcallen?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, driving record, credit score, and marital status.
Why is the cost of car insurance in Mcallen different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Mcallen?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Mcallen?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Mcallen or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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