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Home » Car insurance » Texas » Cheap Car Insurance Mcallen

Cheap Car Insurance in Mcallen

Lowest Premium

$433 / YEAR

Average Premium

$645 / YEAR

Highest Premium

$939 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Mcallen is around $645 and can go upto $939. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
GEICO$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

Get Cheap Car Insurance Quotes in Your Area

We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Mcallen by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Mcallen. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
78501$644
78502$646
78503$643

Insurance Agents in Mcallen, TX and Near by

Agents by ZIP code:
  • 0 mi
    Christina Salas
    3611 N Ware Rd, Mcallen, TX 78501
    (956) 994-0007
  • 0 mi
    Mario Valdez
    1406 E Laurel Ave, Mcallen, TX 78501
    (956) 739-0208
  • 0 mi
    Myriam Guerra
    1309 E Pecan Blvd, Mcallen, TX 78501
    (956) 664-2511
  • 0 mi
    Bert Whisenant Insurance
    816 E Hackberry Ave, Mcallen, TX 78501
    (956) 686-8323
  • 0 mi
    Infinity Insurance Agency
    900 E Laurel Ave, Mcallen, TX 78501
    (800) 428-2342
  • 0 mi
    Panoptic Insurance
    301 N Mccoll Rd Ste C, Mcallen, TX 78501
    (877) 778-7704
  • 0 mi
    Abelardo Ramirez Meda
    704 N Mccoll Rd, Mcallen, TX 78501
    (956) 668-0059
  • 0 mi
    Morales Insurance Services
    611 N Mccoll Rd Ste B, Mcallen, TX 78501
    (956) 630-4343
  • 0 mi
    Higginbotham Insurance Agency
    1400 N Mccoll Rd Ste 105, Mcallen, TX 78501
    (956) 682-9423
  • 0 mi
    Mauricio Borja
    407 W Business 83, Mcallen, TX 78501
    (956) 686-8990
  • 0 mi
    Marko E. Saenz
    929 E Esperanza Ave Unit 32, Mcallen, TX 78501
    (956) 782-0707
  • 0 mi
    5 Star Insurance Agency
    113 E Pecan Blvd Ste A, Mcallen, TX 78501
    (956) 683-9277
  • 0 mi
    Jose Davila
    3000 N Mccoll Rd Ste A, Mcallen, TX 78501
    (956) 683-0500
  • 0 mi
    Baldwin Insurance Agency
    401 N 2nd St, Mcallen, TX 78501
    (956) 686-5513
  • 0 mi
    Yvonne Guajardo
    107 E Pecan St, Mcallen, TX 78501
    (956) 686-6611
  • 0 mi
    Integra Insurance Services
    801 E Fern Ave Ste 119, Mcallen, TX 78501
    (956) 329-7432
  • 0 mi
    American Financial & Automotive Services
    911 W Hwy 83 Business, Mcallen, TX 78501
    (956) 686-5441
  • 0 mi
    Shepard Walton King Insurance Group
    121 Pecan Blvd, Mcallen, TX 78501
    (956) 682-2841
  • 0 mi
    Bridgepoint Insurance Agency & Permit Center
    514 W Expy 83, Mcallen, TX 78501
    (956) 683-9400
  • 0 mi
    Irasema Diaz
    400 Pecan Blvd, Mcallen, TX 78501
    (956) 664-9100
  • 0 mi
    Insurance by Billy Pastor
    625 Pecan Blvd, Mcallen, TX 78501
    (956) 668-1283
  • 0 mi
    Hector Ibarra
    605 S 10th St Ste D, Mcallen, TX 78501
    (956) 682-5919
  • 0 mi
    B&B Insurance Agency
    120 N 10th St, Mcallen, TX 78501
    (956) 687-8686
  • 0 mi
    Safeguard Insurance Agency
    902 W Hackberry Ave, Mcallen, TX 78501
    (956) 631-1911
  • 0 mi
    A-Max Auto Insurance
    614 N 10th St, Mcallen, TX 78501
    (956) 668-7000
  • 0 mi
    Mr. Mobile Home Insurance Services
    801 Pecan Blvd, Mcallen, TX 78501
    (956) 682-3161
  • 0 mi
    Robert Heard
    15 S 11th St, Mcallen, TX 78501
    (956) 631-7185
  • 0 mi
    James Newman
    903 Pecan Blvd, Mcallen, TX 78501
    (956) 687-3849
  • 0 mi
    Rafael Salgado
    1200 N 10th Street, Mcallen, TX 78501
    (956) 683-0670
  • 0 mi
    Valmor Insurance Agency
    1303 N 10th St, Mcallen, TX 78501
    (956) 630-3081
  • 0 mi
    Carmen Perez
    1217 Chicago Ave, Mcallen, TX 78501
    (956) 800-5253
  • 0 mi
    IBC Insurance Agency
    1 S Broadway St, Mcallen, TX 78501
    (956) 632-3585
  • 0 mi
    Campos Insurance Agency
    808 S Main St, Mcallen, TX 78501
    (956) 630-3696
  • 0 mi
    Fiesta Auto Insurance
    1919 N 10th St, Mcallen, TX 78501
    (956) 322-4939
  • 0 mi
    Frank James Ehrman Jr Agency
    1014 Sycamore Ave, Mcallen, TX 78501
    (956) 687-7111
  • 0 mi
    Alicia Rodriguez
    914 N Main St Ste 1a, Mcallen, TX 78501
    (956) 686-0002
  • 0 mi
    Rafael Lloren
    2103 N 10th St, Mcallen, TX 78501
    (956) 683-6300
  • 0 mi
    Jesse Trevino Insurance Agency
    803 N Main St, Mcallen, TX 78501
    (956) 682-2292
  • 0 mi
    Aziz Showery
    1321 Pecan Blvd Ste A, Mcallen, TX 78501
    (956) 668-0212
  • 0 mi
    Diana Pena
    900 Harvey St, Mcallen, TX 78501
    (956) 682-3456
  • 0 mi
    Mariel Nevarez
    900 Harvey St, Mcallen, TX 78501
    (956) 207-7270
  • 0 mi
    Amtex Insurance
    2708 N 10th St, Mcallen, TX 78501
    (956) 682-1800
  • 0 mi
    Nora Pena
    1000 W Whitewing Ave, Mcallen, TX 78501
    (956) 631-0800
  • 0 mi
    Israel Quezada
    322 N Bicentennial Blvd Ste C, Mcallen, TX 78501
    (956) 890-1984
  • 0 mi
    Amigo Insurance Agency
    2901 N 10th St Ste R, Mcallen, TX 78501
    (956) 994-1868
  • 0 mi
    Jose Diaz
    1614 Pecan Blvd Ste 2, Mcallen, TX 78501
    (956) 627-3032
  • 0 mi
    Tommy Wilson
    2901 N 10th St Ste T, Mcallen, TX 78501
    (956) 687-9143
  • 0 mi
    BBVA Compass Insurance
    3900 N 10th St Fl 2, Mcallen, TX 78501
    (800) 879-8702
  • 0 mi
    South Texas Insurance Services
    3911 N 10th St Ste J, Mcallen, TX 78501
    (956) 618-3535
  • 0 mi
    1st Advantage Insurance - Financial
    1800 N 23rd St Ste 50, Mcallen, TX 78501
    (956) 631-9828
  • 0 mi
    Sandra Partida
    1723 N 23rd St Ste 4, Mcallen, TX 78501
    (956) 631-2296
  • 0 mi
    Isaac Guerra
    2215 N 23rd St, Mcallen, TX 78501
    (956) 320-7213
  • 0 mi
    Sanchez Insurance Agency
    2538 Pecan Blvd, Mcallen, TX 78501
    (956) 687-5830
  • 0 mi
    Effective Insurance Solutions Brokerage
    3200 N 23rd St, Mcallen, TX 78501
    (956) 687-1717
  • 0 mi
    TWFG Insurance Services - Tina Salinas
    3600 N 23rd St Ste 305, Mcallen, TX 78501
    (956) 682-4555
  • 0 mi
    Direct General Auto Insurance
    3601 Pecan Blvd, Mcallen, TX 78501
    (956) 664-2626
  • 0 mi
    Prime Integrity Insurance Agency
    801 N Ware Rd, Mcallen, TX 78501
    (956) 686-1100
  • 0 mi
    Karina Martinez
    4413 W Business 83 Ste 2, Mcallen, TX 78501
    (956) 627-2926
  • 0 mi
    Gilberto Gutierrez
    3311 N Ware Rd Ste 2, Mcallen, TX 78501
    (956) 627-3034
  • 0 mi
    Luis Jasso
    3405 N Ware Rd, Mcallen, TX 78501
    (956) 630-1418
  • 3.53 mi
    Griselda Melendez
    808 S Jackson Rd Unit C, Mcallen, TX 78503
    (956) 622-5520
  • 3.53 mi
    Jennifer Torres
    2000 S Mccoll Road Ste A2, Mcallen, TX 78503
    (956) 843-0285
  • 3.53 mi
    Eduardo Villarreal
    2801 W Expressway 83 Ste 220, Mcallen, TX 78503
    (956) 772-3611
  • 3.53 mi
    Porfirio Hernandez
    4037 W Expressway 83 Ste 180, Mcallen, TX 78503
    (956) 627-0756
  • 3.89 mi
    George Garza
    6317 N Ware Rd Apt B, Mcallen, TX 78504
    (956) 971-9090
  • 3.89 mi
    3M Insurance Agency
    3608 Buddy Owens Ave Ste C, Mcallen, TX 78504
    (956) 686-7966
  • 3.89 mi
    Mario Ramos
    3516 Buddy Owens Ave, Mcallen, TX 78504
    (956) 688-9726
  • 3.89 mi
    Lone Star Insurance Services
    520 E Nolana Ave Ste 110, Mcallen, TX 78504
    (956) 682-1722
  • 3.89 mi
    Silverhorn Insurance Agency
    4301 N Mccoll Rd, Mcallen, TX 78504
    (956) 383-3332
  • 3.89 mi
    Alberto Moya
    321 W Nolana Ave, Mcallen, TX 78504
    (956) 687-2025
  • 3.89 mi
    Miguel Dominguez
    218 W Nolana Ave, Mcallen, TX 78504
    (956) 687-7231
  • 3.89 mi
    Rebeca Mancha Johnson
    407 W Nolana Ave, Mcallen, TX 78504
    (956) 687-2651
  • 3.89 mi
    Claro Chua
    711 W Nolana Ave Ste 104p, Mcallen, TX 78504
    (956) 789-8141
  • 3.89 mi
    Ernesto Gomez
    711 W Nolana Ave Ste 101a, Mcallen, TX 78504
    (956) 278-2060
  • 3.89 mi
    Brenda Gomez
    5215 N Mccoll Rd, Mcallen, TX 78504
    (956) 322-4717
  • 3.89 mi
    Carlos Gomez
    5215 N Mccoll Rd, Mcallen, TX 78504
    (956) 687-6300
  • 3.89 mi
    Michael Camargo
    5500 N Mccoll Rd Unit B1, Mcallen, TX 78504
    (956) 627-3636
  • 3.89 mi
    Robert Garza
    1109 W Nolana Ave Ste 101, Mcallen, TX 78504
    (956) 994-9004
  • 3.89 mi
    Mario Uribe
    4309 N 10th St Ste F6, Mcallen, TX 78504
    (956) 664-1290
  • 3.89 mi
    Benjamin Fiszman
    4500 N 10th St Ste 30, Mcallen, TX 78504
    (956) 686-2343
  • 3.89 mi
    John Terry
    4500 N 10th St Ste 30, Mcallen, TX 78504
    (956) 686-2343
  • 3.89 mi
    Eleanor Cantu
    1027 Wisteria Ave, Mcallen, TX 78504
    (956) 618-2922
  • 3.89 mi
    Carlos Pena
    5111 N 10th St # 104, Mcallen, TX 78504
    (956) 867-0055
  • 3.89 mi
    Noe Pro Insurance Agency
    2004 Orchid Ave, Mcallen, TX 78504
    (956) 631-9179
  • 3.89 mi
    Jose Contreras
    4006 N 22nd St, Mcallen, TX 78504
    (956) 686-6621
  • 3.89 mi
    Velox Insurance Services
    5401 N 10th St Ste 200-d, Mcallen, TX 78504
    (956) 928-1236
  • 3.89 mi
    Cynthia Salgado
    4108 N 21st St, Mcallen, TX 78504
    (956) 648-7370
  • 3.89 mi
    Jerry Molina
    5401 N 10th St Ste 113, Mcallen, TX 78504
    (956) 661-8338
  • 3.89 mi
    Winston Ayala
    5401 N 10th St Ste 130, Mcallen, TX 78504
    (956) 682-2233
  • 3.89 mi
    Munal Insurance Agency
    4211 N 22nd St, Mcallen, TX 78504
    (956) 631-4385
  • 3.89 mi
    David Acevedo
    5717 N 10th St Ste A, Mcallen, TX 78504
    (956) 631-3200
  • 3.89 mi
    Crawford Higgins
    4106 N 23rd St, Mcallen, TX 78504
    (956) 803-0020
  • 3.89 mi
    Ignacio Puente
    4210 N 23rd St Ste 2, Mcallen, TX 78504
    (956) 630-4508
  • 3.89 mi
    Shepard Insurance
    5801 N 10th St Ste 300, Mcallen, TX 78504
    (956) 686-3888
  • 3.89 mi
    Paul Perez
    1540 Dove Ave, Mcallen, TX 78504
    (956) 687-8940
  • 3.89 mi
    George Garcia
    2505 Buddy Owens Ave, Mcallen, TX 78504
    (956) 661-0024
  • 3.89 mi
    Jennifer Munoz Agency
    2522 Buddy Owens Ave, Mcallen, TX 78504
    (956) 994-0585
  • 3.89 mi
    B & B Insurance Agency
    6101 N 23rd St Ste I, Mcallen, TX 78504
    (956) 687-8141
  • 3.89 mi
    David Salazar
    6421 N 10th St Ste 160, Mcallen, TX 78504
    (956) 631-0004
  • 3.89 mi
    Jose Martinez
    6624 N 10th St Ste D, Mcallen, TX 78504
    (956) 287-3762
  • 3.89 mi
    Domingo Ramos
    7017 N 10th St Ste O2, Mcallen, TX 78504
    (956) 630-9993
  • 3.89 mi
    Antonio Torres
    7108 N 23rd St Ste B1, Mcallen, TX 78504
    (956) 627-0596
  • 3.89 mi
    Leo Rodriguez
    2200 Trenton Rd Ste 2b, Mcallen, TX 78504
    (956) 682-1345
  • 3.89 mi
    GSM Insurors
    9204 N 27th St, Mcallen, TX 78504
    (956) 703-0690
View all agents ↓

Learn More About Car Insurance in Mcallen, Texas

Car Insurance Laws in Texas

The state law is straightforward. You must have car insurance when you are registering a vehicle. The law stipulates the minimum coverage in specific categories. The minimum coverage is the least you can have and it is not the optimum coverage you should opt for. Given the scope of damage and the severity of injuries possible as a direct result of an accident, you should always opt for more coverage than the legal requisite.

Texas is a "Fault" car accident state, which means you will have to pay for the damages for an accident that you cause. So be sure to add enough liability and personal injury protection coverage in your insurnace policy. Learn more about how to determine who is at fault in a car accident.

Any car owner who does not have the minimum coverage basically does not have car insurance as per the laws of the state. Hence, the car owner will be subjected to the penalties as decreed by the state law.

Penalty for Driving without Car Insurance in Texas

You cannot drive any type of motor vehicle without insurance, be it a motorcycle, a car or a truck. It is also not sufficient to have a car insurance that has just lapsed or has not been renewed for a few days and hence there is a break in its continuity. The law requires all car owners to have continuous auto insurance in Texas, regardless of the age of the car and other factors such as driving history or record of past incidents.

The state of Texas can levy a penalty on any car owner who does not have adequate insurance. The penalty is usually multipronged. First time offenders are usually charged a maximum of $350. The offense can lead to the suspension of the license and hence driving privileges. A second or subsequent offense will incur penalties of a maximum of $100 and the vehicle could be impounded for a maximum of six months.

Car Insurance Support in Texas

Those who have been fined and have had their driving license revoked or driving privilege suspended and possibly their vehicle impounded are required to file an SR-22 form as proof of continuous car insurance. This should be done proactively. Such car owners and drivers must carry proof of their continuous car insurance at all times. The SR-22 form can be filed with the Department of Public Safety by the insurer or the insured and this should be done for three years following a conviction.

How to choose car insurance wisely?

When it comes to choosing car insurance, the first and important thing is to decide how much coverage is enough for you and your car. How expensive the policy will mostly depend on this. You have to take more liability coverage if you have more at stake if someone decides to sue you in the event of a car accident in which you are involved. If you don't have enough insurance to cover the damage cost, you will end up paying it from your hand. This is why it is important to have the right amount of car insurance coverage.

Learn more about what car insurance covers.

There are also extra coverages that you can get for a small price in your policy such as rental car reimbursment, towing and labor that will cover for the payments for the extra payments for renting a car during your car repair after accident and towing and labor charges.

Another wise thing to do before taking car insurance is to get insurance quotes from different companies to find out the cheapest offer for your car insurance requirement. This is what we help you with. We compare the best offers in the market and provide you with the cheapest and best deal.

Learn more: car insurance quotes FAQ

Applying right amount of deductible lowers the car insurance premium. Deductibles is the sum of money that you will have to pay before your insurance company comes into the picture. Deductibles apply to every claim, which means that you will have to pay the deductible amount every time you file a claim.

when it comes to deciding the deductible amount, you need to think about how much you could afford in case of an accident. You may need to create an emergency fund or see that you have set apart a little from your savings.

Learn more about how to choose right amount of deductibles to get cheap car insurance.

How will traffic ticket affect auto insurance premium?

Your driving record is an important contributing factor in determining your auto insurance premiums. Traffic tickets come in varied severity. Minor the moving violation, lesser the impact on your insurance premiums.

Learn more about how traffic ticket affect your car insurance premium.

How to: Car insurance claims

Are you confused on how the car insurance claims works? Still thinking why your claim got denied? Check the article below to learn more about claims and denial. You might also check out who is at fault in an accident.

Car insurance claims and denial

Driving in other states with Texas car insurance

You can drive your car which is covered by car insurance from Texas state in other states with all the coverage benefits. Even if you have only Texas state minimum insurance coverage, rest assured that insurance companies will have your car covered in other states in a car accident even if the minimum requirement for the other state is higher.

References

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.