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Cheap Auto Insurance Quotes in Mckinney, TX (May 2022)
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Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Mckinney is $264 per month, or $3168 annually.
- Car insurance in Mckinney is $49 more than the average cost of car insurance in Texas.
- The cheapest car insurance provider in Mckinney on average is Mile Auto, but you should always compare quotes to find your best personal rate.
Car Insurance in Mckinney, TX
Getting a new car is incredibly exciting, but do you have insurance? Average car insurance premiums in Texas cost drivers $270 per month, which is 18 percent more than the national average. But it’s possible to get Texas car insurance for less than that if you know where to look. With Insurify, you can compare customized quotes and find the cheapest coverage for you.
Quotes by Top Companies
Clearcover$153
Progressive$172
Elephant$180
Apparent$187
Travelers$189
Cheapest Car Insurance in Mckinney, TX
Some car insurance companies will be able to offer you cheaper auto insurance coverage than others, because every insurance provider weighs factors such as your age and your driving record differently. While the following car insurance companies offer the cheapest rates in McKinney, you should also get a free quote from Insurify to estimate your individual rate.
| Insurance Provider in Mckinney | Quotes |
|---|---|
| Clearcover | $153 /mo |
| Progressive | $172 /mo |
| Elephant | $180 /mo |
| Apparent | $187 /mo |
| Travelers | $189 /mo |
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Best Car Insurance in Mckinney, TX
While finding affordable car insurance is important, the insurance provider with the cheapest premium and the highest deductible might not always be the best option. We analyzed factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score and rank car insurance providers.
| Best Companies | Score | Quotes |
|---|---|---|
| Clearcover | 97 | $153 /mo |
| Nationwide | 89 | $247 /mo |
| Safeco | 86 | $214 /mo |
| Liberty Mutual | 82 | $305 /mo |
| Travelers | 80 | $189 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Texas Cities | |
|---|---|
| Houston | $222/mo |
| San Antonio | $225/mo |
| Dallas | $258/mo |
| Austin | $203/mo |
| Mckinney | $207/mo |
| Texas | $223/mo |
Austin$203
Mckinney$207
Houston$222
Average for TX$223
San Antonio$225
Dallas$258
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in TX
All motor vehicles operated or parked on Texas roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Texas are as follows:
- $30,000/$60,000 bodily injury liability per person/accident
Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Texas state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance providers list this type of coverage as 30/60, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Texas law.
- $25,000 propery damage liability per accident
The state minimum amount of property damage liability coverage required in the state of Texas is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.
Mckinney Car Insurance Rates by Driver Age
One of the most important factors in determining the premium for your auto insurance policy is age. That’s because young drivers are less experienced and more likely to get into a car accident. You can expect the following average rates for each age group in Texas.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| Teens | $465 |
| 20-25 | $284 |
| 25-30 | $284 |
| 30s | $198 |
| 40s | $176 |
| 50s | $155 |
| 60s | $154 |
| 70s | $173 |
| 80+ | $188 |
Mckinney Car Insurance Rates by Driving and Accident History
Your driving record is something that car insurance companies pay close attention to when they are determining your rate. McKinney motorists with clean driving records can expect the cheapest car insurance rates, while those with speeding tickets, at-fault accidents, and DUIs in their driving histories can expect higher average monthly costs.
| Driving History | Avg. Monthly Cost |
|---|---|
| Clean Record | $247 |
| Speeding Ticket | $321 |
| At-Fault Accident | $315 |
| DUI | $489 |
Mckinney Car Insurance Rates by Credit Tier
Your credit score is an important factor in calculating your auto insurance rates. That’s because research shows that people with low scores account for a higher percentage of paid claims. If you have good credit, you’ll pay less for car insurance than someone with poor credit. Here’s what you can expect to pay for car insurance in McKinney based on your credit score:
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $255 |
| Good | $272 |
| Average | $317 |
| Bad | $394 |
See More: Bad Credit Car Insurance Texas
Find local Mckinney agents
McKinney DMV Information
Although there is no Department of Motorvehicles office in McKinneyTexas, the Collin County Tax Office offers vehicle registration services for McKinney residents. If you’re looking to acquire or renew a driver’s license or ID card, the Texas Department of Public Safety in McKinney is where you’ll want to go.
Public Transportation in McKinney
The city of McKinney offers a subsidized Taxi program for residents who are 65 and older or in need of transportation due to a disability. Uber and Lyft also operate in the city as options for residents who don’t want to drive their own car.
However, most McKinney residents drive to get around the city or to nearby destinations like Dallas and Fort Worth. And for those who do drive, a good auto insurance policy is required to stay safe and legal on the road.
How to get the cheapest car insurance in McKinney
The easiest way to find the best and cheapest auto insurance coverage in McKinney, Texas is to shop around and compare quotes with Insurify. We make it easy: you’ll enter your information just once, and our AI technology will work to find you the best quotes. The best part? It’s completely free to use and takes just a few minutes.
Whether you’re looking for minimum liability coverage or a full-coverage policy with roadside assistance, Insurify will find you the best rates. We’ll show you quotes from the insurance giants like State Farm and USAA as well as quotes from local agencies, so you can have peace of mind knowing that you found the best possible coverage at the cheapest price.
FAQs - Mckinney, TX Car Insurance
Comparing quotes from different car insurance companies is the best way to find an affordable car insurance policy. Use Insurify to instantly get access to 10+ personalized free auto insurance quotes. To lower your car insurance costs, you can also bundle your auto insurance policy with another policy, such as your home insurance or renters insurance.
The average cost of insurance in McKinney is $269 per month, but rates depend on various factors, such as your age, your driving history, and your credit score. Your rate will probably be different than any other driver in McKinney, so it’s always important to shop around and compare car insurance quotes from different providers to find your personal best rate. If you’re a young driver with little experience on the road, have a history of at-fault accidents, have a DUI on your record, or have a poor credit score, you can expect higher car insurance rates in McKinney. However, you can always find cheaper rates by comparing quotes with Insurify.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Mckinney Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Mckinney, Texas below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Mckinney drivers measure up to their fellow motorists across Texas in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Mckinney
#52
City with the Most Speeding Tickets Rank in Texas
#105
City with the Most Moving Violations Rank in Texas
#55
City with the Most DUIs Rank in Texas
#192
City with the Most Suspended Licenses in Texas
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Mckinney drivers rank 29 in the number of car accidents per driver across all cities in Texas.
- Rank within state: #29
- Percent of drivers in Mckinney with an accident: 11.91%
- Drivers in Mckinney, TX with an accident in their driving history pay on average 29.72% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Texas, Mckinney drivers rank 52 in the number of speeding infractions per driver.
- Rank within state: #52
- Percent of drivers in Mckinney with a speeding ticket: 9.76%
- Drivers in Mckinney, TX with a speeding ticket in their driving history pay on average 30.92% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Mckinney drivers rank 55 in the number of DUI’s per driver across all cities in Texas.
- Rank within state: #55
- Percent of drivers in Mckinney with a DUI: 1.6%
- Drivers in Mckinney, TX with a DUI in their driving history pay on average 32.53% more than drivers with a clean record
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Texas, Mckinney drivers rank 66 in rude driving infractions.
- Rank within state: #66
- Percent of drivers in Mckinney with a reckless driving violation: 1.32%
- Drivers in Mckinney, TX with a reckless driving violation in their driving history pay on average 17.27% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Mckinney drivers rank 87 in clean driving records across all cities in Texas.
- Rank within state: #87
- Percent of drivers in Mckinney with clean record: 80.06%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Mckinney drivers rank 2 in failure to yield violations per driver across all cities in Texas.
- Rank within state: #2
- Percent of drivers in Mckinney with a failure to yield violation: 0.09%
- Drivers in Mckinney, TX with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Texas, Mckinney drivers rank 67 in the number of reckless driving offenses per driver.
- Rank within state: #67
- Percent of drivers in Mckinney with a reckless driving offense: 0%
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Mckinney is the Honda Accord.
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Specialist at Insurify
Olivia Oksenhorn is an SEO content specialist at Insurify and received a BA in English Literature from the University of Colorado. Before starting at Insurify, she worked as a freelance writer and in newsrooms and nonprofits across Colorado. Born and raised in the mountains, Olivia is a lover the outdoors and spends her spare time adventuring in nature whenever and wherever she can.
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