Mcallen has 145,385 residents in 48,905 households. We list 67 agencies for accident & health insurance in Mcallen. Here is what the local numbers say about the cover people here need.

Mcallen at a glance

67accident & health insurance agencies listed
40.5%of households rentRenters insurance
$190,400median home valueHome insurance
1995median year homes were builtRebuild cost calculator
7%of households have no carAuto insurance
3.7%of homes are mobile homesMobile home insurance

Population and housing figures: U.S. Census Bureau, American Community Survey 2020-2024 5-year estimates. Agency count: our listings.

Natural hazard risk in Hidalgo County

FEMA rates the overall natural hazard risk in Hidalgo County, where most Mcallen agencies we list are located, as Relatively High compared with other U.S. counties. The hazards it rates highest:

HurricaneVery High
Home policies that cover wind often carry a separate hurricane deductible, set as a percentage of the home’s insured value (typically 1% to 5%). Flooding from the storm needs a flood policy.
Home insurance in Mcallen
HailVery High
Hail is usually a covered cause of loss on home policies and under comprehensive cover on a car, but some insurers exclude wind and hail or apply a separate deductible. Ask the agent which applies.
Home insurance in Mcallen
Ice stormVery High
Inland floodingRelatively High
Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.
Flood insurance in Mcallen
TornadoRelatively High
Tornado damage is wind damage. Ask whether a policy includes windstorm cover and what its wind deductible is.
Home insurance in Mcallen

Source: FEMA National Risk Index, December 2025 release. Ratings compare each county with all other U.S. counties.

Car insurance rules in Texas

Texas requires drivers to carry at least $30,000 of bodily injury liability per person, $60,000 per accident and $25,000 of property damage liability, often written 30/60/25.

These are legal minimums, not a recommendation: a serious crash can cost far more, and anything above your limits is yours to pay.

Auto insurance in Mcallen How much liability cover do you need?

Source: tdi.texas.gov. Checked 2026-10-24.

Insurance companies Mcallen agencies work with

Of the 67 Mcallen agencies whose appointments we hold, how many are appointed with each company. An appointed agency can quote and sell that company’s policies.

UnitedHealthcare46 agencies
Aetna45 agencies
Medicare Advantage42 agencies
Blue Cross Blue Shield36 agencies
Centene33 agencies
HealthSpring Life & Health Insurance Company,28 agencies
Molina Healthcare of Texas,23 agencies
Humana22 agencies
Ameritas Life Insurance19 agencies
Transamerica19 agencies

Source: insurance company appointments in state records, as listed on each agency’s profile.

Where Mcallen agencies are

Mcallen agencies we list sit in 5 ZIP codes, mostly in Hidalgo County.

7850129 agencies
7850425 agencies
785027 agencies
785035 agencies
785051 agency

Questions

Accident & Health insurance in Mcallen

All insurance agencies in Mcallen · Accident & Health insurance across Texas

Where can I find accident & health insurance in Mcallen?

Browse the agencies on this page, search by name, or pick the insurance you need in the filters to see only the agencies that offer it.

What does accident & health insurance cover?

Supplemental cover that pays out on accident, illness or hospital stay.

Which insurance companies do Mcallen agencies work with?

Among the 67 Mcallen agencies whose appointments we hold, the companies they are most often appointed with are UnitedHealthcare (46), Aetna (45), Medicare Advantage (42), Blue Cross Blue Shield (36), Centene (33). An appointed agency can quote that company's policies.

Do I need flood insurance in Mcallen?

FEMA's National Risk Index rates inland flooding risk in Hidalgo County as Relatively High compared with other U.S. counties. Most home and renters policies do not cover flood damage. Flood cover is a separate policy, from the National Flood Insurance Program or a private insurer, and an NFIP policy usually starts 30 days after you buy it.

How do I choose an agency?

Call two or three. Ask which companies they can quote for you, how they handle claims, and who you will deal with after you buy. An independent agency can compare several insurers in one call.

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