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Car Insurance in McAllen

Illustration of van driving by Freeway Insurance headquarters

McAllen is one of the fastest growing cities in Texas. Centrally located in the Rio Grande Valley, McAllen is just across the border from Mexico and roughly 70 miles from the Gulf.

McAllen is known as the City of Palms for the trees that line its streets. These streets are unfortunately are also home to frequent motor vehicle collisions. When accidents happen, having the right liability insurance could help you avoid financial disaster.

Quick Facts

  • The average cost of car insurance in McAllen is $1,580.
  • McAllen is home to more than 129,000 residents.

How Much is Car Insurance in McAllen?

On average, the annual cost of car insurance in McAllen is $1,580. That amount exceeds the average across the state and is slightly above the national average as well. The cost of insurance should come as no surprise given the rapid growth the area is experiencing. It is important to remember that this is only the average cost of a policy. Understanding what your Texas car insurance might cost you requires a review of your driving record, zip code, and other factors.

City Average Annual Premium
Dallas $1,680
Houston $1,671
Mesquite $1,638
McAllen $1,580

The factors that could impact the cost of liability insurance are numerous. Some of the most common examples involve your history of filing insurance claims, your age, or your gender.

Despite the potential cost of your policy, it is important to think of car insurance as an investment as opposed to an expense. If you are uninsured when an accident happens, it could leave you in a deep financial hole.

McAllen Car Insurance Rates by Zip Code

Your zip code is an important factor used to determine the cost of your car insurance. The insurance companies take note of the zip codes that have more car accidents than others. It should come as no surprise that the cost of insurance in these zip codes is higher than average.

In total, seven zip codes make up the bulk of McAllen. The cost of insurance could vary slightly in each one of them.

Zip Code Average Car Insurance Rate
78501 $1,601
78503 $1,590
78504 $1,581
78539 $1,570
78541 $1,566
78572 $1,522
78573 $1,500

McAllen Car Insurance Rates by Age

Your age is an important factor in the cost of your car insurance. In general, teenagers pay the highest price of liability coverage given their increased likelihood of an accident. These rates generally drop over the years but rise again when a driver reaches their 70’s.

Age Average Car Insurance Rate
Teenagers $3,898
20s $2,037
30s $1,556
40s $1,520
50s $1,375
60s $1,420
70s $1,730

Driving Conditions in McAllen

How Many Fatal Accidents Happen in McAllen?

There were a total of six fatal traffic accidents in McAllen during 2019. These accidents involved a total of eight vehicles and seven total fatalities. Two pedestrians were involved in these accidents, and three accidents involved intoxicated drivers.

How Are the Road Infrastructure and Bridges in McAllen?

The rapid growth in and around McAllen has greatly increased the amount of traffic on the road and highways within the city. That said, some of that congestion is due to ongoing efforts to address congested traffic. Some of that congestion comes from an ongoing three-year project to connect I-2 with I-69.

On the state level, Texas received a “C” grade on its 2021 Infrastructure Report Card. This score is higher than the national average. According to the report, Texas gets sterling marks for its bridges with the lowest number of deficient bridges in the country. The same is not true for highways and roads, which are currently overwhelmed with vehicle traffic.

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Minimum Car Insurance Requirements in McAllen

Every state has minimum levels of car insurance coverage that drivers must maintain, and Texas is no exception. The levels required in McAllen are higher compared to many other states. State law mandates at least:

  • $30,000 for bodily injuries per person
  • $60,000 for bodily injuries per accident
  • $25,000 for property damage

The state only requires liability insurance coverage, but your vehicle lender may require you to keep full coverage as a condition of your loan.

Factors Allowed in McAllen Car Insurance Rates

Insurance companies use an array of criteria to determine the cost of your car insurance premiums. Some examples include:

  • Age
  • Gender
  • Driving history
  • Claims history
  • Type of vehicle
  • Marital status
  • Credit score
  • Zip code

Discounts for Car Insurance in McAllen

Discounts are a great way to save money on car insurance. These discounts come in many different forms, including:

  • Blue icon of a document with a checklist

    Multi-policy discounts

  • Green icon of a military man

    Military discounts

  • Graphic of a man driving a car

    Safe driver discounts

  • Blue icon of a graduation cap

    Good student discounts

  • Illustration of a document

    Paperless billing

  • Pink icon of a thief

    Anti-theft discount

What Are the Penalties for Driving Without Insurance in McAllen?

There are often steep penalties associated with driving without car insurance in McAllen. These penalties can increase for second and subsequent offenses. For example, a first-time offender could face a fine of up to $350. Subsequent offenses could result in fines of up to $1,000.

In addition to fines, you could also face the suspension of your driving privileges and a requirement to maintain SR-22 Insurance.

Get a McAllen Car Insurance Quote Today

Roadmap that says McAllen
Given the heavy traffic that is common in McAllen, it is always in your best interest to invest in a liability insurance policy. Not only is it required under the law, but it could also protect you from a sudden and unexpected financial hardship as well.

Freeway Insurance is here to help you find a good policy at the right price in McAllen, Texas. Get started with a quote online, or visit us at a McAllen office near you. You can also call us at (800) 777-5620 for a quote.