Compare Mckinney, TX Car Insurance Rates [2023]
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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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Jun 20, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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: Jun 20, 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 car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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.
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.
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.
Frequently Asked Questions
How does car insurance in McKinney, TX compare to other cities in Texas?
Car insurance rates in McKinney, TX can vary compared to other cities in Texas. Factors such as population density, local traffic patterns, crime rates, and the number of insurance claims in the area can influence insurance premiums. It’s recommended to compare quotes from multiple insurance providers to get an accurate understanding of the cost of car insurance in McKinney.
What factors affect car insurance rates in McKinney, TX?
Several factors can impact car insurance rates in McKinney, TX, including:
- Age and driving experience
- Vehicle make, model, and year
- Personal driving record and claims history
- Annual mileage and usage of the vehicle
- Credit history
- Coverage options and deductibles chosen
- Local crime rates and accident statistics
Which insurance companies provide car insurance coverage in McKinney, TX?
There are various insurance companies that offer car insurance coverage in McKinney, TX. Some popular options include State Farm, GEICO, Allstate, Progressive, and Farmers Insurance. It’s recommended to research and compare quotes from different providers to find the best coverage and rates for your needs.
How can I find affordable car insurance in McKinney, TX?
To find affordable car insurance in McKinney, TX, consider the following tips:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a clean driving record and avoid traffic violations.
- Consider raising your deductibles, but make sure you can afford the out-of-pocket costs in case of a claim.
- Inquire about available discounts, such as multi-policy discounts, good student discounts, or discounts for safety features in your vehicle.
- Bundle your car insurance with other policies, such as home or renters insurance, for potential savings.
Are there any local factors specific to McKinney, TX that affect car insurance rates?
Local factors in McKinney, TX that may influence car insurance rates include traffic congestion, accident rates, crime rates, and the prevalence of auto theft in the area. Insurance companies take these factors into account when determining premiums. Additionally, Texas state laws and regulations can also impact insurance rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
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.