Buy Cheap Mckinney, TX Auto Insurance (2022)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • 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.

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