Buy Cheap Mckinney, TX Auto Insurance in 2024
Mckinney, TX auto insurance rates average $322 a month. Minimum auto insurance requirements in Mckinney, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Mckinney, TX, compare Mckinney auto insurance quotes from top companies.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in McKinney, TX after a DUI are $4,402/year
- Average auto insurance rates in McKinney, TX for teens drivers are $6,967/year
- The most expensive auto insurance company in McKinney is Allstate
Finding affordable McKinney, Texas auto insurance can be challenging, but everything you need to know to buy cheap McKinney, TX auto insurance with confidence is right here. Auto insurance rates in McKinney are affected by local factors as well as personal ones like your driving record.
See how McKinney, TX car insurance rates compare to San Antonio auto insurance rates, Plano auto insurance rates, and Houston auto insurance rates before you read more about the cost of auto insurance in McKinney.
Don’t buy McKinney, TX auto insurance until you’ve compared rates. Get free McKinney, Texas auto insurance quotes when you enter your ZIP code above.
McKinney, TX Minimum Auto Insurance Requirements
The required auto insurance in McKinney, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in McKinney, Texas is outlined here.
Minimum Required Auto Insurance Coverage in McKinney, Texas
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $30,000 per person $60,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap McKinney, TX Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in McKinney, TX. Take a look at McKinney, Texas auto insurance rates by credit history.
Annual Auto Insurance Rates by Credit Score in McKinney, Texas
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,554 | $4,808 | $4,120 |
| American Family | $6,199 | $3,990 | $3,480 |
| Geico | $5,536 | $3,125 | $2,078 |
| Nationwide | $4,379 | $3,530 | $3,067 |
| Progressive | $4,906 | $4,260 | $3,956 |
| State Farm | $4,470 | $2,784 | $2,219 |
| USAA | $3,767 | $2,189 | $1,764 |
Buy Cheap McKinney, TX Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect McKinney, Texas auto insurance rates? Find out how car insurance rates in McKinney, TX are impacted by demographics.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in McKinney, Texas
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,328 | $3,348 | $3,284 | $3,284 | $8,926 | $10,742 | $4,108 | $4,263 |
| American Family | $2,638 | $2,956 | $2,528 | $2,912 | $7,432 | $9,696 | $3,871 | $4,418 |
| Geico | $2,617 | $2,841 | $2,532 | $2,902 | $5,934 | $6,131 | $2,847 | $2,833 |
| Nationwide | $2,271 | $2,305 | $2,007 | $2,121 | $6,571 | $8,418 | $2,681 | $2,897 |
| Progressive | $2,292 | $2,190 | $2,051 | $2,083 | $9,833 | $11,005 | $2,738 | $2,800 |
| State Farm | $2,165 | $2,165 | $1,938 | $1,938 | $5,374 | $6,879 | $2,367 | $2,434 |
| USAA | $1,627 | $1,625 | $1,560 | $1,534 | $4,699 | $5,085 | $2,163 | $2,295 |
Buy Cheap McKinney, TX Auto Insurance for Teen Drivers
Auto insurance for teenagers in McKinney can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in McKinney, TX are listed here.
Annual Auto Insurance Rates for Teen Drivers in McKinney, Texas
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $8,926 | $10,742 |
| American Family | $7,432 | $9,696 |
| Geico | $5,934 | $6,131 |
| Nationwide | $6,571 | $8,418 |
| Progressive | $9,833 | $11,005 |
| State Farm | $5,374 | $6,879 |
| USAA | $4,699 | $5,085 |
Buy Cheap McKinney, TX Auto Insurance for Seniors
You can save on senior auto insurance rates in McKinney, Texas by comparing McKinney senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in McKinney, TX here.
Annual Auto Insurance Rates for Senior Drivers in McKinney, Texas
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,284 | $3,284 |
| American Family | $2,528 | $2,912 |
| Geico | $2,532 | $2,902 |
| Nationwide | $2,007 | $2,121 |
| Progressive | $2,051 | $2,083 |
| State Farm | $1,938 | $1,938 |
| USAA | $1,560 | $1,534 |
Find Cheap Auto Insurance Rates in McKinney, TX by Coverage Level
The amount of coverage you choose is a big factor in the cost of McKinney, Texas auto insurance. Compare McKinney, TX auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in McKinney, Texas
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,032 | $5,112 | $5,337 |
| American Family | $4,246 | $4,393 | $5,029 |
| Geico | $3,389 | $3,542 | $3,809 |
| Nationwide | $3,949 | $3,505 | $3,524 |
| Progressive | $4,201 | $4,360 | $4,560 |
| State Farm | $2,983 | $3,152 | $3,338 |
| USAA | $2,482 | $2,563 | $2,675 |
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Find Cheap McKinney, TX Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in McKinney. Compare auto insurance rates in McKinney, TX by commute length to see how your daily commute impacts your rates.
Annual Auto Insurance Rates by Commute Length in McKinney, Texas
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $5,033 | $5,288 |
| American Family | $4,556 | $4,556 |
| Geico | $3,516 | $3,643 |
| Nationwide | $3,659 | $3,659 |
| Progressive | $4,374 | $4,374 |
| State Farm | $3,158 | $3,158 |
| USAA | $2,541 | $2,606 |
Find Cheap McKinney, TX Auto Insurance Rates by ZIP Code
Auto insurance rates in McKinney, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in McKinney, TX to see how much where you live in McKinney affects the cost of car insurance.
Annual Auto Insurance Rates by ZIP Code in McKinney, Texas
| ZIP Code | Average Annual Rates |
|---|---|
| 75070 | $5,528 |
| 75071 | $5,876 |
Find Cheap McKinney, TX Auto Insurance Rates by Driving Record
Auto insurance rates in McKinney, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in McKinney, TX, take a look at the average cost for various violations versus rates for a clean driving record in McKinney.
Annual McKinney, Texas Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,971 | $6,211 | $6,488 | $3,971 |
| American Family | $4,131 | $5,319 | $4,645 | $4,131 |
| Geico | $3,034 | $4,050 | $3,334 | $3,902 |
| Nationwide | $3,175 | $3,175 | $4,701 | $3,585 |
| Progressive | $3,814 | $4,942 | $4,448 | $4,292 |
| State Farm | $2,786 | $3,221 | $3,838 | $2,786 |
| USAA | $1,909 | $2,836 | $3,358 | $2,191 |
Find Cheap McKinney, TX Auto Insurance Rates After a DUI
The cost of DUI auto insurance in McKinney, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in McKinney for less when you shop around and compare rates from multiple McKinney, TX auto insurance companies.
Annual Auto Insurance Rates After a DUI in McKinney, Texas
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,488 |
| American Family | $4,645 |
| Geico | $3,334 |
| Nationwide | $4,701 |
| Progressive | $4,448 |
| State Farm | $3,838 |
| USAA | $3,358 |
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Winners by Category: Where to Buy Cheap Auto Insurance in McKinney, TX
Compare rates from the cheapest auto insurance companies in McKinney, TX for your needs. Take a look at how McKinney, Texas auto insurance companies stack up for each category.
Best Annual Auto Insurance Rates by Company in McKinney, Texas
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Geico |
| With 1 Speeding Violation | USAA |
Find Cheap McKinney, Texas Auto Insurance Companies
If you’re looking for the cheapest McKinney, TX auto insurance companies overall, you can compare them here. Find the best price for McKinney, Texas car insurance by company.
Average Annual Auto Insurance Rates by Company in McKinney, Texas
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,160 |
| American Family | $4,556 |
| Geico | $3,580 |
| Nationwide | $3,659 |
| Progressive | $4,374 |
| State Farm | $3,158 |
| USAA | $2,573 |
What affects McKinney, Texas auto insurance rates?
Local factors affect auto insurance rates in McKinney, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact McKinney auto insurance rates.
Auto Theft in McKinney
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for McKinney, TX auto theft show a total of 156 vehicle thefts annually.
Commute Times in McKinney
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in McKinney, TX is 29.3 minutes according to City-Data.
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Compare Auto Insurance Quotes in McKinney, TX
You can buy cheap McKinney, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free McKinney, Texas auto insurance quotes from top companies.
Frequently Asked Questions
How can I buy cheap auto insurance in McKinney, TX?
To buy cheap auto insurance in McKinney, TX, you can consider the following options:
- Compare quotes from multiple insurance providers to find the best rates.
- Maintain a clean driving record to qualify for lower premiums.
- Opt for a higher deductible, which can lower your monthly premium.
- Bundle your auto insurance with other policies, such as home or renters insurance, to receive a discount.
- Ask your insurance provider about any available discounts, such as safe driver discounts or discounts for installing anti-theft devices in your vehicle.
What factors affect the cost of auto insurance in McKinney, TX?
Several factors can influence the cost of auto insurance in McKinney, TX, including:
- Your driving record: If you have a history of accidents or traffic violations, your premiums may be higher.
- The type of vehicle you drive: Luxury or high-performance vehicles often have higher insurance premiums.
- Your age and gender: Younger drivers, particularly teenagers, usually have higher insurance rates. Additionally, males tend to pay more than females.
- Your location: Insurance rates can vary based on the area you live in, including factors like population density and crime rates.
- Your credit history: In some states, insurance companies may consider your credit score when determining your premium.
Are there any disadvantages to buying cheap auto insurance?
While cheap auto insurance may save you money upfront, it’s important to consider potential drawbacks, such as:
- Limited coverage: Cheap policies may offer minimal coverage, leaving you financially vulnerable in case of accidents or other incidents.
- Higher deductibles: Lower premiums often come with higher deductibles, meaning you’ll have to pay more out of pocket before your insurance kicks in.
- Limited customer support: Some inexpensive insurance providers may not offer robust customer service or timely claims processing.
- Less flexibility: Cheap policies may have more restrictive terms and conditions, making it harder to make changes or modifications to your coverage.
Can I qualify for any discounts on auto insurance in McKinney, TX?
Yes, you may be eligible for various discounts on auto insurance in McKinney, TX. Some common discounts include safe driver discounts, multi-policy discounts (for bundling multiple policies with the same insurer), good student discounts (for students with a certain GPA), discounts for completing a defensive driving course, and discounts for installing anti-theft devices in your vehicle. It’s recommended to inquire with different insurance providers to understand the discounts they offer and check if you qualify for any of them.
Are there any specific auto insurance requirements in McKinney, TX?
Yes, McKinney, TX, like most places, has specific auto insurance requirements. In Texas, drivers are required to have minimum liability insurance coverage, which includes at least $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $25,000 for property damage. These are the minimum legal requirements, but it’s generally advisable to consider higher coverage limits to provide better financial protection in case of accidents. Additionally, lenders may require comprehensive and collision coverage if you have a financed or leased vehicle.
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Travis Thompson
Licensed Insurance Agent
Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.