Best car insurance in McAllen

 Texas has approximately 16 million licenced drivers, and all are required to carry the bare minimum of insurance. McAllen residents pay an average of $662 per year for minimum coverage or $2,093 for full coverage, which is significantly higher than the national average of $1,674 for a full policy. One of the most effective strategies for finding the best cheap insurance rates in McAllen is to compare multiple carriers.

Best car insurance in McAllen

To find the best car insurance companies in McAllen, we looked at several national and regional carriers and compared customer service ratings, financial strength, premium rates, and discounts.

McAllen's top auto insurance companies
There are several car insurance companies in McAllen that offer both low, competitive premium rates and other benefits to drivers. In addition to the cost of premiums, third-party ratings such as the J.D. Power survey for overall customer satisfaction and financial ratings with AM Best are important to consider.


Geico has been providing auto insurance for over 75 years and is now the second-largest auto insurance provider in the United States. Geico provides standard coverage options, but the number of add-on options available is somewhat limited. Mechanical breakdown coverage is one option. Similar to an extended car warranty policy, this provides coverage for the high out-of-pocket costs associated with vehicle repairs.


Current military members, veterans, and their immediate family members are the only people who can join USAA. If you qualify, USAA will provide you with exclusive discounts in addition to highly competitive premiums. Members can save money by taking advantage of discounts such as a family loyalty discount, which rewards children of parents who also have a USAA policy, or a discount for storing your vehicle on base.

State Farm

State Farm has been selling insurance policies for nearly a century and is the largest provider of auto insurance in the United States. State Farm maintains a Superior A++ rating with AM Best, in addition to strong customer service ratings in Texas, demonstrating the financial strength it provides. Furthermore, policyholders can manage their policies online, through a highly rated app, through customer service, or through a local agent.


Allstate is the fourth-largest auto insurance provider in the United States, and it has an A+ financial rating from AM Best. While Allstate's customer service ratings in Texas are not as high as those of other carriers, the number of discounts available may be appealing to drivers. Drivers can save money by using options like Accident Forgiveness or Drivewise, which monitors driving habits and offers a discount based on what is observed with the driver.

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