Compare Mckinney, TX Car Insurance Rates (2021)

The cheapest McKinney, TX car insurance is from State Farm, but rates will vary by driver. Although auto insurance in McKinney must meet the state requirements of 30/60/25 in liability coverage, drivers are encouraged to carry higher limits and additional coverage to be fully insured. Compare online rates to find the cheapest McKinney, TX car insurance rates.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 11, 2021

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Here's what you need to know...

  • State Farm offers the cheapest car insurance in McKinney, TX
  • McKinney is part of the larger Dallas metro area
  • McKinney, TX has lower than average car insurance rates

Although Texas car insurance, in general, is expensive, McKinney, TX car insurance is less than both the state and national averages.

To find the most affordable McKinney, TX car insurance, you need to shop around. Each company charges different rates so comparing them is the best way to find the cheapest coverage out there.

Monthly McKinney, TX Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly McKinney, Texas auto insurance rates by ZIP Code below:

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McKinney, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my McKinney, Texas stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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Enter your ZIP code now to compare McKinney, TX car insurance rates for free.

What is the cheapest car insurance company in McKinney, TX?

State Farm is the company with the average cheapest rates in McKinney that offers car insurance to all drivers. However, USAA is actually cheaper, but it only offers coverage to the military, veterans, and their families.

Which McKinney, TX car insurance company has the best rates? And how do those rates compare against the average Texas car insurance company rates? We’ve got the answers below.

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The top McKinney, TX car insurance companies listed from cheapest annual rates to most expensive are:

  • USAA – $2,573.33
  • State Farm – $3,157.59
  • GEICO – $3,579.79
  • Nationwide – $3,659.00
  • Progressive – $4,373.91
  • American Family – $4,556.34
  • Allstate – $5,160.34

There are many factors that go into your car insurance rates. Your age, gender, driving record, and credit history can all be used to calculate your rates.

Where you live also affects your rates. Drivers who live in a big city will pay more for auto insurance because of more drivers on the roads and higher rates of theft. For example, although McKinney is near Dallas, Dallas car insurance rates are higher.

McKinney, TX car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Texas car insurance rates. Find the cheapest McKinney, TX car insurance rates by coverage level below:

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Your credit score will play a significant role in your McKinney car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest McKinney, TX car insurance rates by credit score below.

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Your driving record will play a major role in your McKinney car insurance rates. For example, other factors aside, a McKinney, TX DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest McKinney, TX car insurance rates by driving record.

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Factors affecting car insurance rates in McKinney, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap McKinney, Texas car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. TX does use gender, so check out the average monthly car insurance rates by age and gender in McKinney, TX.

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What car insurance coverage is required in McKinney, TX?

Most states, including Texas, require at least a minimum amount of car insurance coverage. Drivers in McKinney must carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

Collision insurance will cover any damages to your car, and personal injury protection covers your bodily injuries if you cause an accident.

Comprehensive covers damages to your car that aren’t the result of an accident, such as theft, vandalism, and acts of nature. This is especially helpful considering TX weather like hurricanes can damage your car.

Adding these coverages to your car insurance policy will ensure you are covered for damages.

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What affects car insurance rates in McKinney, TX?

Traffic can affect your car insurance rates because more cars on the road mean a great chance of an accident.

Although INRIX doesn’t have information for McKinney, it does rank nearby Dallas, TX as the 10th most congested city in the U.S.

City-Data reports that the average commute time in McKinney, TX is 25 minutes. However, a large number of drivers commute an hour or more.

Theft can also raise your rates. According to the FBI, there were 155 motor vehicle thefts in one year.

McKinney, TX Car Insurance: The Bottom Line

Although McKinney, TX auto insurance is less expensive than the state average, proximity to Dallas can increase your rates.

Shop around and compare rates before you buy McKinney, TX car insurance. Comparison shopping helps you find the best coverage at the cheapest price.

Enter your ZIP code now to compare free McKinney, TX car insurance quotes today.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly McKinney, TX Car Insurance Rates by ZIP Code
McKinney, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
McKinney, TX Car Insurance Rates by Company vs. City Average
McKinney, TX Car Insurance Rates by Company and Age
The Cheapest McKinney, TX Car Insurance Rates by Coverage Level
The Cheapest McKinney, TX Car Insurance Rates by Credit Score
The Cheapest McKinney, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in McKinney, TX
Average Monthly Car Insurance Rates by Age & Gender in McKinney, TX
Monthly McKinney, TX Car Insurance Rates by ZIP Code
McKinney, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
McKinney, TX Car Insurance Rates by Company vs. City Average
McKinney, TX Car Insurance Rates by Company and Age
The Cheapest McKinney, TX Car Insurance Rates by Coverage Level
The Cheapest McKinney, TX Car Insurance Rates by Credit Score
The Cheapest McKinney, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in McKinney, TX
Average Monthly Car Insurance Rates by Age & Gender in McKinney, TX