Cheap Car Insurance in Mcallen, Texas ( With 2024 Rates)

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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.

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.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$350	6.00% ($1,151,485,019)	1
Farmers	$385	7.98% ($1,530,613,603)	2
State Farm	$390	16.03% ($3,074,590,659)	119
Allstate	$495	7.38% ($1,416,050,038)	4
Liberty Mutual	$550	4.36% ($836,938,040)	64
Progressive	$660	8.75% ($1,678,264,745)	0

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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.

Zip	Avg. Premium
78501	$644
78502	$646
78503	$643

Insurance Agents in Mcallen, TX and Near by

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Christina Salas

3611 N Ware Rd, Mcallen, TX 78501

(956) 994-0007

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Mario Valdez

1406 E Laurel Ave, Mcallen, TX 78501

(956) 739-0208

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Myriam Guerra

1309 E Pecan Blvd, Mcallen, TX 78501

(956) 664-2511

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Bert Whisenant Insurance

816 E Hackberry Ave, Mcallen, TX 78501

(956) 686-8323

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Infinity Insurance Agency

900 E Laurel Ave, Mcallen, TX 78501

(800) 428-2342

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Panoptic Insurance

301 N Mccoll Rd Ste C, Mcallen, TX 78501

(877) 778-7704

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Abelardo Ramirez Meda

704 N Mccoll Rd, Mcallen, TX 78501

(956) 668-0059

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Morales Insurance Services

611 N Mccoll Rd Ste B, Mcallen, TX 78501

(956) 630-4343

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Higginbotham Insurance Agency

1400 N Mccoll Rd Ste 105, Mcallen, TX 78501

(956) 682-9423

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Mauricio Borja

407 W Business 83, Mcallen, TX 78501

(956) 686-8990

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Marko E. Saenz

929 E Esperanza Ave Unit 32, Mcallen, TX 78501

(956) 782-0707

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5 Star Insurance Agency

113 E Pecan Blvd Ste A, Mcallen, TX 78501

(956) 683-9277

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Jose Davila

3000 N Mccoll Rd Ste A, Mcallen, TX 78501

(956) 683-0500

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Baldwin Insurance Agency

401 N 2nd St, Mcallen, TX 78501

(956) 686-5513

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Yvonne Guajardo

107 E Pecan St, Mcallen, TX 78501

(956) 686-6611

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Integra Insurance Services

801 E Fern Ave Ste 119, Mcallen, TX 78501

(956) 329-7432

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American Financial & Automotive Services

911 W Hwy 83 Business, Mcallen, TX 78501

(956) 686-5441

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Shepard Walton King Insurance Group

121 Pecan Blvd, Mcallen, TX 78501

(956) 682-2841

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Bridgepoint Insurance Agency & Permit Center

514 W Expy 83, Mcallen, TX 78501

(956) 683-9400

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Irasema Diaz

400 Pecan Blvd, Mcallen, TX 78501

(956) 664-9100

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Insurance by Billy Pastor

625 Pecan Blvd, Mcallen, TX 78501

(956) 668-1283

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Hector Ibarra

605 S 10th St Ste D, Mcallen, TX 78501

(956) 682-5919

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B&B Insurance Agency

120 N 10th St, Mcallen, TX 78501

(956) 687-8686

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Safeguard Insurance Agency

902 W Hackberry Ave, Mcallen, TX 78501

(956) 631-1911

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A-Max Auto Insurance

614 N 10th St, Mcallen, TX 78501

(956) 668-7000

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Mr. Mobile Home Insurance Services

801 Pecan Blvd, Mcallen, TX 78501

(956) 682-3161

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Robert Heard

15 S 11th St, Mcallen, TX 78501

(956) 631-7185

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James Newman

903 Pecan Blvd, Mcallen, TX 78501

(956) 687-3849

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Rafael Salgado

1200 N 10th Street, Mcallen, TX 78501

(956) 683-0670

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Valmor Insurance Agency

1303 N 10th St, Mcallen, TX 78501

(956) 630-3081

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Carmen Perez

1217 Chicago Ave, Mcallen, TX 78501

(956) 800-5253

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IBC Insurance Agency

1 S Broadway St, Mcallen, TX 78501

(956) 632-3585

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Campos Insurance Agency

808 S Main St, Mcallen, TX 78501

(956) 630-3696

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Fiesta Auto Insurance

1919 N 10th St, Mcallen, TX 78501

(956) 322-4939

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Frank James Ehrman Jr Agency

1014 Sycamore Ave, Mcallen, TX 78501

(956) 687-7111

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Alicia Rodriguez

914 N Main St Ste 1a, Mcallen, TX 78501

(956) 686-0002

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Rafael Lloren

2103 N 10th St, Mcallen, TX 78501

(956) 683-6300

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Jesse Trevino Insurance Agency

803 N Main St, Mcallen, TX 78501

(956) 682-2292

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Aziz Showery

1321 Pecan Blvd Ste A, Mcallen, TX 78501

(956) 668-0212

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Diana Pena

900 Harvey St, Mcallen, TX 78501

(956) 682-3456

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Mariel Nevarez

900 Harvey St, Mcallen, TX 78501

(956) 207-7270

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Amtex Insurance

2708 N 10th St, Mcallen, TX 78501

(956) 682-1800

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Nora Pena

1000 W Whitewing Ave, Mcallen, TX 78501

(956) 631-0800

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Israel Quezada

322 N Bicentennial Blvd Ste C, Mcallen, TX 78501

(956) 890-1984

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Amigo Insurance Agency

2901 N 10th St Ste R, Mcallen, TX 78501

(956) 994-1868

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Jose Diaz

1614 Pecan Blvd Ste 2, Mcallen, TX 78501

(956) 627-3032

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Tommy Wilson

2901 N 10th St Ste T, Mcallen, TX 78501

(956) 687-9143

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BBVA Compass Insurance

3900 N 10th St Fl 2, Mcallen, TX 78501

(800) 879-8702

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South Texas Insurance Services

3911 N 10th St Ste J, Mcallen, TX 78501

(956) 618-3535

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1st Advantage Insurance - Financial

1800 N 23rd St Ste 50, Mcallen, TX 78501

(956) 631-9828

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Sandra Partida

1723 N 23rd St Ste 4, Mcallen, TX 78501

(956) 631-2296

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Isaac Guerra

2215 N 23rd St, Mcallen, TX 78501

(956) 320-7213

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Sanchez Insurance Agency

2538 Pecan Blvd, Mcallen, TX 78501

(956) 687-5830

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Effective Insurance Solutions Brokerage

3200 N 23rd St, Mcallen, TX 78501

(956) 687-1717

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TWFG Insurance Services - Tina Salinas

3600 N 23rd St Ste 305, Mcallen, TX 78501

(956) 682-4555

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Direct General Auto Insurance

3601 Pecan Blvd, Mcallen, TX 78501

(956) 664-2626

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Prime Integrity Insurance Agency

801 N Ware Rd, Mcallen, TX 78501

(956) 686-1100

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Karina Martinez

4413 W Business 83 Ste 2, Mcallen, TX 78501

(956) 627-2926

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Gilberto Gutierrez

3311 N Ware Rd Ste 2, Mcallen, TX 78501

(956) 627-3034

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Luis Jasso

3405 N Ware Rd, Mcallen, TX 78501

(956) 630-1418

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3.53 mi

Griselda Melendez

808 S Jackson Rd Unit C, Mcallen, TX 78503

(956) 622-5520

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3.53 mi

Jennifer Torres

2000 S Mccoll Road Ste A2, Mcallen, TX 78503

(956) 843-0285

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3.53 mi

Eduardo Villarreal

2801 W Expressway 83 Ste 220, Mcallen, TX 78503

(956) 772-3611

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3.53 mi

Porfirio Hernandez

4037 W Expressway 83 Ste 180, Mcallen, TX 78503

(956) 627-0756

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3.89 mi

George Garza

6317 N Ware Rd Apt B, Mcallen, TX 78504

(956) 971-9090

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3.89 mi

3M Insurance Agency

3608 Buddy Owens Ave Ste C, Mcallen, TX 78504

(956) 686-7966

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3.89 mi

Mario Ramos

3516 Buddy Owens Ave, Mcallen, TX 78504

(956) 688-9726

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3.89 mi

Lone Star Insurance Services

520 E Nolana Ave Ste 110, Mcallen, TX 78504

(956) 682-1722

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3.89 mi

Silverhorn Insurance Agency

4301 N Mccoll Rd, Mcallen, TX 78504

(956) 383-3332

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3.89 mi

Alberto Moya

321 W Nolana Ave, Mcallen, TX 78504

(956) 687-2025

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3.89 mi

Miguel Dominguez

218 W Nolana Ave, Mcallen, TX 78504

(956) 687-7231

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3.89 mi

Rebeca Mancha Johnson

407 W Nolana Ave, Mcallen, TX 78504

(956) 687-2651

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3.89 mi

Claro Chua

711 W Nolana Ave Ste 104p, Mcallen, TX 78504

(956) 789-8141

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3.89 mi

Ernesto Gomez

711 W Nolana Ave Ste 101a, Mcallen, TX 78504

(956) 278-2060

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3.89 mi

Brenda Gomez

5215 N Mccoll Rd, Mcallen, TX 78504

(956) 322-4717

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3.89 mi

Carlos Gomez

5215 N Mccoll Rd, Mcallen, TX 78504

(956) 687-6300

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3.89 mi

Michael Camargo

5500 N Mccoll Rd Unit B1, Mcallen, TX 78504

(956) 627-3636

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3.89 mi

Robert Garza

1109 W Nolana Ave Ste 101, Mcallen, TX 78504

(956) 994-9004

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3.89 mi

Mario Uribe

4309 N 10th St Ste F6, Mcallen, TX 78504

(956) 664-1290

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3.89 mi

Benjamin Fiszman

4500 N 10th St Ste 30, Mcallen, TX 78504

(956) 686-2343

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3.89 mi

John Terry

4500 N 10th St Ste 30, Mcallen, TX 78504

(956) 686-2343

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3.89 mi

Eleanor Cantu

1027 Wisteria Ave, Mcallen, TX 78504

(956) 618-2922

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3.89 mi

Carlos Pena

5111 N 10th St # 104, Mcallen, TX 78504

(956) 867-0055

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3.89 mi

Noe Pro Insurance Agency

2004 Orchid Ave, Mcallen, TX 78504

(956) 631-9179

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3.89 mi

Jose Contreras

4006 N 22nd St, Mcallen, TX 78504

(956) 686-6621

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3.89 mi

Velox Insurance Services

5401 N 10th St Ste 200-d, Mcallen, TX 78504

(956) 928-1236

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3.89 mi

Cynthia Salgado

4108 N 21st St, Mcallen, TX 78504

(956) 648-7370

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3.89 mi

Jerry Molina

5401 N 10th St Ste 113, Mcallen, TX 78504

(956) 661-8338

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3.89 mi

Winston Ayala

5401 N 10th St Ste 130, Mcallen, TX 78504

(956) 682-2233

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3.89 mi

Munal Insurance Agency

4211 N 22nd St, Mcallen, TX 78504

(956) 631-4385

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3.89 mi

David Acevedo

5717 N 10th St Ste A, Mcallen, TX 78504

(956) 631-3200

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3.89 mi

Crawford Higgins

4106 N 23rd St, Mcallen, TX 78504

(956) 803-0020

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3.89 mi

Ignacio Puente

4210 N 23rd St Ste 2, Mcallen, TX 78504

(956) 630-4508

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3.89 mi

Shepard Insurance

5801 N 10th St Ste 300, Mcallen, TX 78504

(956) 686-3888

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3.89 mi

Paul Perez

1540 Dove Ave, Mcallen, TX 78504

(956) 687-8940

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3.89 mi

George Garcia

2505 Buddy Owens Ave, Mcallen, TX 78504

(956) 661-0024

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3.89 mi

Jennifer Munoz Agency

2522 Buddy Owens Ave, Mcallen, TX 78504

(956) 994-0585

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3.89 mi

B & B Insurance Agency

6101 N 23rd St Ste I, Mcallen, TX 78504

(956) 687-8141

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3.89 mi

David Salazar

6421 N 10th St Ste 160, Mcallen, TX 78504

(956) 631-0004

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3.89 mi

Jose Martinez

6624 N 10th St Ste D, Mcallen, TX 78504

(956) 287-3762

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3.89 mi

Domingo Ramos

7017 N 10th St Ste O2, Mcallen, TX 78504

(956) 630-9993

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3.89 mi

Antonio Torres

7108 N 23rd St Ste B1, Mcallen, TX 78504

(956) 627-0596

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3.89 mi

Leo Rodriguez

2200 Trenton Rd Ste 2b, Mcallen, TX 78504

(956) 682-1345

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3.89 mi

GSM Insurors

9204 N 27th St, Mcallen, TX 78504

(956) 703-0690

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Learn More About Car Insurance in Mcallen, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered	24,527,939
Total uninsured motorists	14.1%
Estimated economic loss of all vehicle crashes	$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
Collision covers for the expenses on your car caused by accident.
Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
Medical payments cover your's and your passenger's medical bills
Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
Towing and labor covers for the pay for towing your car and labor cost.
Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

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.

Cheap Car Insurance in Mcallen, Texas (With 2024 Rates)