McAllen, TX Car Insurance

Drivers in Mcallen pay around $65 a month for their car insurance. To find out more check out our guide below.
What rates should residents of Mcallen expect to pay for their car insurance? Are rates in Mcallen higher or lower than those in neighboring areas? How do they compare to the rest of Texas? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Mcallen?

Area Average Monthly Car Insurance Premium
Mcallen$65
TX$65
United States$81

Based on the chart above, it costs about the same to insure your vehicle in Mcallen as it does in the rest of Texas.

The expected monthly payments for an auto insurance policy in Mcallen are below the national average. It's about $16 cheaper than the national average to insure your vehicle in Mcallen.

The price you pay may very well be higher or lower than the rates you see, but we can help explain why. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. The monthly premium you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Mcallen so that you can get a more accurate idea of what your monthly bill might be. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$98
25-34$59
35-44$58
45-54$56
55-64$63
65+$58

The more time you have behind the wheel, the more experienced of a driver you should be. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay significantly more than drivers of retirement age.

You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates begin to go back up in Mcallen.

Average Car Insurance Rates by Gender

Gender Average
Male$67
Female$63

Car insurance rates for men are usually slightly more expensive than they are for women. The difference in Mcallen is around $4 a month. As you can see in the table above, male drivers in the area typically pay $67 on average, while female drivers typically pay $63 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$76
Multiple Accidents$104
1 Ticket$75
Multiple Tickets$69

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay less than those with multiple infractions, while those with clean driving records will obviously pay the least. In Mcallen, having a single accident on your record will usually get you rates around $76 a month. On a similar note, drivers with one ticket on their record will be looking at a monthly rate of about $75 on average.

When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$61
2-3 Years$62
4-5 Years$60
6-7 Years$61
8-10 Years$69
11-14 Years$65
15 Years or Older$68

According to the first table above, the cheapest vehicles to insure in Mcallen are usually cars, at $63 per month.

SUV owners can expect to pay an average of around $70 a month for their policy, while truck and van drivers are usually around $66 to insure each month.

The age of your vehicle can also affect your monthly bill. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 years old, however, your monthly bill may start to dip back down. In Mcallen, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$68
Married$63
Divorced$51
Widowed$62

Overall, those who are currently married will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.

In Mcallen, the difference in rates based on relationship status can be as much as $5 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$66
Rent$61
Live with parents$76

One other element taken into consideration is your housing situation. Renters can expect to pay around $5 a month less than homeowners in Mcallen. But if you live with your parents, your rates will be significantly higher.

If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.

Car Insurance Companies in Mcallen, TX

Recent trends in car insurance for Mcallen drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before shopping for coverage.

In Mcallen, auto insurance rates declined from 2017-2019, when they reached a low of $59. This trend leveled out in 2020, when they began to increase, and have continued moving in that direction through the present, where rates finished at $75 per month.

How does Mcallen compare to neighboring areas?

Why are car insurance rates in Mcallen different from other areas?

Car insurance companies will consider several factors when trying to decide how much to charge for a policy. The specifics of where you live and drive will have an impact on your personal policy. This might include things like:

  • Crime
  • Road Safety (frequency of car accidents)
  • Access to off-street parking
  • Number of drivers
  • Regional laws

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?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! 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 auto coverage in Mcallen in no time.

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Mcallen Insurance FAQs

What factors affect car insurance quotes in Mcallen?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Mcallen different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

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. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Mcallen or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes