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McAllen, Texas, has many wonderful places to explore. The McAllen Nature Center is one of the great spots. It's a peaceful place with lovely trails and pretty views of nature. If you're into shopping and dining, McAllen has some amazing malls and restaurants that will make your day special. The McAllen International Museum of Art & Science is a fantastic visit for those who love art. It's a place filled with interesting exhibits and creative wonders.
When driving in McAllen, having good car insurance is like having a cushion of safety. It helps you feel secure as you explore this lively city. Whether you're walking the trails at the Nature Center, enjoying the malls, or exploring the art museum, reliable car insurance means you can enjoy visiting McAllen without having to worry about anything.
Let CINCO Auto Insurance be your reliable ally in keeping you safe on your city exploration journeys. Request a quote today, knowing that your safety is our top-most priority!
Quick Facts About the Auto Insurance in McAllen:
- In McAllen, TX, 76.2% of the workforce drove alone to their workplace in the year 2021.
- Around 11.1% of people from the workforce carpooled in 2021 in McAllen.
How much does Auto Insurance Cost in McAllen ?
Finding affordable auto insurance in McAllen is quite convenient. On average, minimum coverage, required by the state and also known as ‘liability insurance', can cost you about $134 per month, while full coverage insurance is around $179 per month. McAllen drivers enjoy a 16% savings compared to the Texas average.
Auto Insurance Costs by Zip Code in McAllen:
When looking for cheap auto coverage in McAllen be strategic about the area where you live. Chances are, if there is a higher frequency of theft or related incidents, or just a higher number of cars, the rate of insurance would be on the higher end of the spectrum. Your neighbourhood can determine the insurance premium you get, so make an informed choice by being aware of these details.
| Zip Code | Average Monthly Quote (Liability) |
| 78501 | $68 |
| 78503 | $83 |
| 78504 | $78 |
Car Insurance Rates by Age in McAllen:
Your age can impact your insurance rates in McAllen, Texas. If you're a young driver, your insurance is typically more expensive due to the higher risk of accidents. However, if you're older and have more driving experience, your insurance tends to be cheaper because there's a lower likelihood of accidents or traffic issues.
CINCO Auto Insurance Company in McAllen believes in the ‘insurance is for all’ mantra. Everyone, irrespective of their age, should have access to budget-friendly insurance. That is why we engage with our customers to understand their needs and wants and determine a cost that works for them. Here are the average monthly premiums for various age groups in McAllen, Texas.
Driving Conditions in McAllen:
How many accidents occur in McAllen?
In 2019, McAllen, the biggest city in Hidalgo County, had a high number of car accidents - 2,746 in total. Sadly, seven people lost their lives in accidents in the Valley area. When we look at all of Hidalgo County, the situation is even more concerning, with a shocking 15,305 car wrecks in the same year. These numbers tell us that we need to take road safety very seriously. We all need to drive carefully and follow the rules of the road. We must keep working to make the roads safe, not just in McAllen but in all of Hidalgo County. Our top priority is keeping people safe on the roads.
What are the traffic conditions in McAllen?
In McAllen, traffic congestion can be a significant issue. On average, residents lose about 25 hours every year due to traffic delays. This is a substantial amount of time spent waiting on the road. Additionally, the congestion cost can be quite significant, with each person potentially spending around $1,800 annually. These numbers highlight the need for improved traffic management and infrastructure in McAllen. With the city's growing population, addressing traffic conditions becomes increasingly vital for ensuring smoother and safer transportation for everyone. Both residents and visitors need to plan their journeys with these challenges in mind.
Minimum Car Insurance Requirements in McAllen:
In McAllen, Texas, you need to have a type of insurance called Liability coverage. It is commonly known as the "30/60/25"plan. Here are the minimal coverages you must have according to the State Guidelines:
- $30,000 for each person's Bodily Injury Liability (BI).
- $60,000 for Bodily Injury Liability (BI) in total for one accident.
- $25,000 for Property Damage Liability (PD).
So, if there's an accident, your insurance will pay up to $60,000 for injuries but no more than $30,000 for one person. It also covers up to $25,000 for property damage. Unless you decline it in writing, you must get at least $2,500 in Personal Injury Protection (PIP) insurance.
Major Discounts for Automobile Insurance in McAllen:
The easiest way to save money is by opting for discounts. CINCO Auto Insurance offers its customers a wide range of discounts because we aim to make car insurance accessible to everybody. We provide a few major discounts to make our insurance convenient, which are listed below.
| Military discounts | Renewal Discounts | Continuous insurance discounts |
| Multi-policy Discounts | Marriage Discount | Loyalty discounts |
| Multi-car Discounts | Bundling Discounts | Accident-free Discount |
| Costco Discount | Defensive Driving Course Discount | Teen Drivers |
| Lien Holder Discount | Senior Drivers, | Bundling Policies |
| Good driver Discounts | Paid-in-Full | Automatic Payments |
Penalties for Traffic Violations/Offenses in McAllen:
As you cruise through Texas, remember that it is vital to have proof of insurance with you. If a police officer stops you, you will be required to show your driver's license, Texas vehicle registration, and papers that prove you have Vehicle Insurance in McAllen.
If you are found to be driving without insurance for the first time, you may be fined $175 to $350. However, the fines could reach up to $1000 if it occurs more than once. Should you violate these guidelines again and again, your insurance premiums may go up. The following is a list of infractions and how much your premiums could increase due to them.
| Violation | Premium Increase After Infraction |
| Red Light Infraction | 23% |
| Speeding Ticket | 27% |
| Reckless Driving Infraction | 98% |
| Suspended Driver’s License Infraction | 104% |
| DUI | 107% |
Major Amenities in McAllen:
McAllen, Texas, is a city that's all about making life easy for its folks. If you need to handle anything with your driver's license, just swing by the McAllen Driver License Office on South 10th Street. There's another one right on North McColl Road. They're both there to lend a hand when you need it.
And when it comes to books and enjoyable learning, McAllen has some awesome libraries. The McAllen Public Library and the Lark Branch Library are packed with cool books and things to discover. It's like having a resourceful space for knowledge right in your city!
And for taxes, McAllen's got you covered. The McAllen Tax Office and the Hidalgo County Tax Office are close by, ready to help you with all your essential grown-up responsibilities.
Living in McAllen is incredibly convenient because of the proximity of these significant locations. It indicates that completing significant tasks won't be too difficult. For this reason, McAllen is an amazing city for all individuals!
From License Renewals to Title Transfers, We've Got You Covered; Discover the top 4 DMV offices near your town!
| DMV Office | Address | Contact Number | Official Website |
| Hidalgo County Registration & Titling | 300 East Hackberry Ave, Ste. 3, McAllen, TX 78501 | 1 956-686-7424 | Link |
| McAllen Driver License Office | 1414 North Bicentennial Blvd, McAllen, TX 78501 | 1 956-984-5700 | Link |
| Edinburg Mega Center | 5160 North Interstate 69C, Edinburg, TX 78542 | 1 956-316-1801 | Link |
| Hidalgo County Registration & Titling - Pharr Substation | 300 W Hall Acres, Pharr, TX 78577 | 1 956-784-3560 | Link |
Get a Quote for Car Insurance in McAllen Right Away!
Being a responsible driver demands more than just hitting the road - it includes taking care of yourself and your vehicle side by side. At CINCO Auto Insurance Agency , realize the great importance of safety alongside stability. We provide Affordable Auto Insurance in McAllen at the most suitable rates!
Let CINCO Auto Insurance be your guiding light toward a reliable car insurance policy . Receive a quote online, call us at 855-336-8555, or email your query to startsaving@cincoautoinsurance.com.