McAllen Car Insurance

Your 2017 Guide to McAllen, TX Car Insurance

The McAllen-Edinburg-Mission metropolitan area is one of the fastest growing metro areas. The city has enjoyed some of the strongest economic growth in the country since the recession began. Because of the area’s rapid growth and increased local traffic, it is particularly important to make sure your McAllen, TX car insurance coverage is adequate.

Reviewing your insurance coverage periodically is always a good idea in a city with changing traffic patterns and density. An independent agent in the Trusted Choice® network can help you find the right coverage at an affordable price. Contact a local agent today to get McAllen auto insurance quotes tailored to your needs.

Texas Car Insurance Costs

  • National average cost per year: $1,311
  • Texas average cost per year: $1,449
  • 17th most expensive premiums in the US

You might expect to pay higher premiums in Texas than the rest of the country, but keep in mind that is just an estimate. Your actual cost will depend on a number of factors unique to you, such as your driving record and the make, model and year of your car. 

Despite some of the shortest work commutes in the country, McAllen has a high number of traffic accidents per capita. McAllen is cracking down on driving infractions to reduce the number of automobile accidents. Drivers caught texting while driving are subject to a maximum fine of $500. A study by the Texas Transportation Institute found that higher risks of a crash while texting are caused by significantly delayed response times, problems with speed consistency, visual contact with the road, and lane positioning.

Texas Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal Injury Protection (PIP): not required
  • Uninsured motorist: not required
  • Minimum liability limits: 30/60/25
    • Coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual, and $25,000 coverage for property damage

All McAllen car insurance must include the required Texas minimum liability amounts. There are stiff penalties for failure to carry the required insurance coverage. First offenders face fines of $175 to $350; subsequent offenders are subject to fines of $350 to $1,000, impoundment of their vehicle, and license suspension.

On top of the minimum liability coverage, you can add extra protections, such as uninsured motorist coverage, collision, comprehensive, and roadside assistance.

Texas Uninsured Motorists

  • National uninsured motorists: 12.6%
  • Texas uninsured motorists: 13.3%
  • Average vehicle repair cost in Texas: $2,434

You can include uninsured/underinsured motorist coverage in your car insurance policy. This pays for your bodily injury or property damage if you are hit by a driver with insufficient coverage. Otherwise, the medical expenses and cost of repairs may have to come out of your pocket, even if another driver is at fault.

Number of Auto Thefts in Texas

  • National vehicle thefts (per 1,000 registered vehicles): 2.94
  • Texas vehicle thefts (per 1,000 registered vehicles): 3.28

The McAllen Metropolitan is #89 in the National Insurance Crime Bureau’s list of cities ranked by the rate of stolen cars. The city has conducted auto theft prevention campaigns in residential neighborhoods and commercial parking lots. These consist of surveying cars and leaving “report cards” telling the vehicle owner what they could do to make their vehicle more secure. The theft prevention efforts have been rewarded. Vehicle thefts plummeted more than 400% in McAllen from 2001 to 2011.

Besides doing everything you can to secure your vehicle, you can protect yourself by adding comprehensive coverage to your policy. Comprehensive auto insurance can compensate you for damages due to auto theft. This optional coverage is known as "other than collision," and it covers incidents like falling trees, collisions with animals, and storm or fire damage. Like collision coverage, you can choose to insure your car for actual cash value, or replacement cost.

Compare McAllen Auto Insurance Quotes

Do you need to find a new McAllen car insurance policy, or make sure your old coverage is adequate and fairly priced? Find a local Trusted Choice agent to get customized options and quotes.

Now, who's ready to get their insurance problems solved?