Auto Insurance in McAllen (78504)
Texas · Very Affordable · 22th percentile statewide
Carrier Rates in 78504
6-month premiums from SERFF rate filings. Standard driver profile.
How 78504 Compares
McAllen (78504) is very affordable for auto insurance in Texas, ranking in the 22th percentile.
The cheapest carrier is USAA at $331/6mo — 45% less than the most expensive (State Farm at $605).
The median premium of $388 is 24% below the Texas statewide median of $508.
Frequently Asked Questions
How much is auto insurance in McAllen (78504)?
The median 6-month premium in McAllen (78504) is $388 across 5 carriers. Premiums range from $331 to $605, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 78504?
USAA offers the lowest rate in 78504 at $331/6mo. That's 45% less than the most expensive option (State Farm at $605/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance very affordable in 78504?
Auto insurance rates in McAllen (78504) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. McAllen ranks in the 22th 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 78504?
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.