Compare Mckinney, TX Car Insurance Rates [2023]

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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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.

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

• USAA car insurance – $2,573.33
• State Farm car insurance – $3,157.59
• Geico car insurance – $3,579.79
• Nationwide car insurance – $3,659.00
• Progressive car insurance – $4,373.91
• American Family car insurance – $4,556.34
• Allstate car insurance – $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, Texas car insurance rates are higher.

McKinney, TX car insurance rates 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.

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:

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. You may be able to get a good credit discount. Find the cheapest McKinney, TX car insurance rates by credit score below.

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 with a bad driving record.

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.

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. Therefore, teen car insurance is more expensive. TX does use gender, so check out the average monthly car insurance rates by age and gender in McKinney, TX.

What car insurance coverage is required in McKinney, TX?

Most states, including Texas, require at least a minimum amount of liability 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 car insurance will cover any damages to your car, and personal injury protection covers your bodily injuries if you cause an accident.

Comprehensive car insurance 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.

Free Car Insurance Comparison

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