Best Cheap Auto Insurance in McKinney, TX (2021)

On average, McKinney, TX auto insurance rates are $5,528/yr. The cheapest auto insurance company in McKinney, Texas, is USAA. However, McKinney, TX auto insurance quotes vary for each person. McKinney car insurance must meet the minimum Texas car insurance requirements with coverage levels of 30/60/25 for liability. Compare McKinney, TX auto insurance online to find the best price for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 29, 2021

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Things to Remember

  • On average, McKinney, TX auto insurance rates are $5,528/yr
  • USAA is the cheapest auto insurance company in McKinney
  • The most significant factor in auto insurance is driving record

How much is auto insurance in McKinney, TX? McKinney, TX auto insurance rates are $5,528 per year, which is $1,485 more expensive than the Texas auto insurance average and $1,596 more than the national average.

McKinney, Texas, auto insurance quotes are expensive, but personal factors could change coverage costs.

Read through this short guide to learn how to secure cheap auto insurance in McKinney, TX, for every age, credit history, and driving record.

Are you ready to compare affordable McKinney, TX auto insurance quotes? Enter your ZIP code above to get started.

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

The cheapest auto insurance company in McKinney, based on average rates, is USAA.

The best auto insurance companies in McKinney, ranked from cheapest to most expensive, are:

  • USAA – $2,573
  • State Farm – $3,158
  • GEICO – $3,580
  • Nationwide – $3,659
  • Progressive – $4,374
  • American Family – $4,556
  • Allstate – $5,160

There are a lot of factors that determine your auto insurance rates. Driving history is among the most significant factors that determine auto insurance.

Maintaining a clean driving record is the safest road to affordable car insurance. Any driving violations would increase your rates.

If you have good credit, you can save at least 20 percent more.

However, age can affect your rates. Anyone older than 25 years old pays a discounted rate, but drivers under 25 years old pay almost double for car insurance.

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What are the auto insurance requirements in McKinney, TX?

All McKinney drivers have to meet the Texas state law minimum requirements for auto insurance.

In Texas, you have to carry at least:

  • $30,000 for bodily injury liability of one person
  • $60,000 for bodily injury liability of multiple people
  • $25,000 for property damage liability

Texas is an at-fault state, which means an at-fault driver must use their auto insurance policy to pay for the no-fault driver’s bodily injury and property damage from the collision.

Collision, comprehensive, and uninsured/underinsured coverages aren’t required, but they’re required for drivers who have a high-value vehicle or a vehicle for that being financed.

What other factors affect auto insurance rates in McKinney, TX?

How much you drive during the policy and your vehicle has can also affect your rates.

Your car insurance provider considers how much you drive your vehicle to determine risk.

According to City-Data, the average commute time in McKinney, TX is 26 minutes, which is one minute slower than the national average.

What about vehicles?

Even if you have one of the top ten vehicles in the United States, your car insurance rates in McKinney, TX will cost between $2,500 and $5,600.

However, you can get car insurance discounts if your vehicle has anti-theft and safety features.

How vehicle thefts and weather affect comprehensive auto insurance in McKinney, TX?

Auto theft in McKinney, TX, can impact comprehensive insurance. The latest FBI statistics report that McKinney had 166 vehicle thefts in 2019. With low theft rates, your comprehensive coverage may not be as much.

McKinney, TX weather may also be a factor. In 2019, McKinney had five hurricanes and four flooding disasters. Comprehensive coverage is not required, but it can help you cut out-of-pocket costs.

McKinney, TX Auto Insurance: The Bottom Line

The best way to secure cheap McKinney, TX auto insurance is through discounts and a clean driving record. If you don’t qualify for savings, keep shopping around until you can get an affordable policy.

Before you buy McKinney, TX auto insurance, be sure you’ve checked out rates with multiple companies. Enter your ZIP code below to get fast, free auto insurance quotes.

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

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