Auto Insurance in McAllen (78501)
Texas · Very Affordable · 18th percentile statewide
Carrier Rates in 78501
6-month premiums from SERFF rate filings. Standard driver profile.
How 78501 Compares
McAllen (78501) is very affordable for auto insurance in Texas, ranking in the 18th percentile.
The cheapest carrier is USAA at $320/6mo — 47% less than the most expensive (State Farm at $606).
The median premium of $390 is 23% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in McAllen (78501)?
The median 6-month premium in McAllen (78501) is $390 across 5 carriers. Premiums range from $320 to $606, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 78501?
USAA offers the lowest rate in 78501 at $320/6mo. That's 47% less than the most expensive option (State Farm at $606/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 78501?
Auto insurance rates in McAllen (78501) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. McAllen ranks in the 18th percentile statewide, meaning it's very affordable compared to other Texas ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in Texas
Want full rate data for 78501?
Access ZIP-level rate data across all 5 carriers, 504 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.