Updated: November 12, 2025
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State Farm offers the cheapest car insurance in McKinney at $491 per year for minimum coverage and $1,148 per year for full coverage. Other major insurers serving McKinney include GEICO, AAA and Mercury Insurance.
Car insurance in McKinney costs an average of $804 per year for minimum coverage and $1,869 per year for full coverage.
State Farm also offers the cheapest car insurance in Texas at $497 per year for minimum coverage and $1,118 per year for full coverage.
State Farm provides the cheapest minimum coverage in McKinney at $491 per year, 39% lower than the city average of $804. For full coverage, State Farm costs $1,148 annually, also below the $1,869 city average.
GEICO offers competitive alternatives at $676 per year for minimum coverage and $1,396 for full coverage. The savings with State Farm translate to about $26 per month for minimum coverage compared to typical McKinney rates.
| State Farm | $41 | $96 | -42% |
| GEICO | $56 | $116 | -27% |
| AAA | $57 | $119 | -26% |
| Mercury Insurance | $61 | $144 | -13% |
| Progressive | $89 | $150 | 1% |
Car insurance rates in McKinney vary based on age. We analyzed rates across three age groups to find the most affordable options for each:
State Farm leads with the lowest rates across all age groups in McKinney. Adult drivers see the most favorable rates, while young drivers face higher premiums due to their limited driving experience.
Young drivers in McKinney can find the cheapest car insurance through State Farm and GEICO, with monthly premiums starting at $92 and $97. Both insurers combine affordable rates with dependable coverage and accessible digital tools. Since younger drivers often pay more for limited driving experience, maintaining a clean record and using student or safe driver discounts can help lower costs.
| State Farm | $92 | $1,102 | -45% |
| Geico | $97 | $1,170 | -41% |
| AAA | $130 | $1,555 | -22% |
| Allstate | $157 | $1,882 | -6% |
| Germania Insurance | $159 | $1,904 | -5% |
For adults aged 26 to 64, State Farm offers the lowest car insurance rates in McKinney, averaging $41 per month ($491 annually), or 43 percent less than the city average. GEICO and AAA also provide affordable choices for experienced drivers. Adults can maximize savings by bundling policies or enrolling in usage-based programs that reward consistent safe driving.
| State Farm | $41 | $491 | -43% |
| Geico | $56 | $676 | -21% |
| AAA | $57 | $679 | -20% |
| Mercury Insurance | $61 | $736 | -14% |
| Farmers | $68 | $811 | -5% |
Seniors in McKinney get the most affordable car insurance from State Farm, which charges about $47 per month ($569 annually) for minimum coverage. GEICO and AAA follow with competitive pricing for retirees who value both cost and reliability. Seniors can lower their premiums further by completing defensive driving courses or qualifying for low-mileage discounts.
| State Farm | $47 | $569 | -48% |
| Geico | $73 | $882 | -19% |
| AAA | $77 | $929 | -15% |
| Germania Insurance | $82 | $990 | -9% |
| Mercury Insurance | $102 | $1,229 | 13% |
High-risk drivers in McKinney can still find budget-friendly coverage through State Farm and GEICO. Both insurers offer strong rate options for drivers with DUIs, accidents, speeding tickets, or poor credit. Continuous safe driving and completion of defensive driving programs can help lower rates over time.
Drivers in McKinney with bad credit can find the lowest rates with GEICO, starting at $81 per month for minimum coverage and $194 per month for full coverage. These rates apply to drivers with clean driving records and offer affordable options for both basic and comprehensive protection.
| Geico | $81 | $977 | -49% |
| Allstate | $102 | $1,228 | -36% |
| Dairyland | $121 | $1,456 | -24% |
| Chubb | $129 | $1,551 | -19% |
| Germania Insurance | $129 | $1,554 | -19% |
For drivers with a DUI, State Farm provides the most affordable car insurance in McKinney, offering rates up to 40 percent cheaper for minimum coverage and 34 percent lower for full coverage than city averages. The company’s fair pricing and reliable claims service make it a strong choice for drivers rebuilding their record.
| State Farm | $66 | $793 | -40% |
| Farmers | $76 | $918 | -31% |
| Mercury Insurance | $83 | $993 | -25% |
| AAA | $88 | $1,057 | -20% |
| Geico | $97 | $1,162 | -13% |
Drivers in McKinney with an at-fault accident can save the most with State Farm, which charges about $48 per month ($578 annually) — roughly 52 percent below the city average. The company’s affordable rates and solid claims reputation make it ideal for drivers managing post-accident rate increases.
| State Farm | $48 | $578 | -52% |
| Farmers | $71 | $853 | -29% |
| Geico | $77 | $924 | -23% |
| Germania Insurance | $79 | $944 | -21% |
| AAA | $83 | $994 | -17% |
For drivers in McKinney with a speeding ticket, State Farm offers the lowest premiums, starting at $41 per month for minimum coverage and about $96 per month for full coverage. Maintaining a clean record after the ticket can help lower rates during future renewals.
| State Farm | $41 | $491 | -51% |
| Geico | $65 | $776 | -23% |
| AAA | $75 | $896 | -11% |
| Germania Insurance | $78 | $931 | -8% |
| Allstate | $79 | $951 | -6% |
State Farm ranks as the best car insurance company in McKinney with a MoneyGeek score of 94.88 out of 100, combining competitive rates with reliable service. AAA follows closely with a score of 90.79, offering strong customer support and comprehensive coverage options.
Both insurers maintain excellent financial stability ratings and handle claims efficiently. State Farm's combination of low premiums and dependable claims processing makes it stand out for McKinney drivers seeking both affordability and quality service.
| State Farm | 95 | 1 | 3 | 6 |
| AAA | 91 | 3 | 4 | 6 |
| GEICO | 91 | 2 | 6 | 6 |
| Mercury Insurance | 89 | 4 | 5 | 4 |
| Progressive | 88 | 5 | 2 | 2 |
Lowest rates in McKinney
Strong customer service ratings
Wins in multiple driver categories
Limited coverage options
Few add-on coverages available
State Farm ranks first in McKinney with rates well below the city average across most driver categories. The insurer excels in customer service and offers the most affordable rates for young drivers, seniors and drivers with incidents. State Farm offers fewer optional coverages than competitors.
Above-average customer satisfaction
Competitive rates
Strong roadside assistance
Limited coverage customization options
AAA earns McKinney's second-place spot with its reliable service and competitive rates, which are below the city average. The company scores high for customer satisfaction. AAA doesn't specialize in any particular driver category but provides well-rounded coverage options and stands out for its well-known roadside assistance program. The insurer offers fewer policy customization options than competitors.
Car insurance in McKinney costs an average of $804 per year for minimum coverage and $1,869 per year for full coverage. These rates fall below Texas statewide averages, making McKinney relatively affordable for drivers.
State Farm's rates of $491 for minimum coverage and $1,148 for full coverage sit well below city averages, offering McKinney residents substantial savings opportunities. Your actual rate depends on factors like age, driving record and coverage choices.
| Full Coverage | $156 | $1,869 |
| Minimum Coverage | $67 | $804 |
In McKinney, car insurance rates by ZIP code range from $67 to $156 per month. ZIP code 75070 represents both the most expensive and least expensive area. Check the average rates for your ZIP code on the table below.
| 75070 | $67 | $156 |
McKinney drivers face some of Texas's highest car insurance rates, making affordable coverage challenging to find. Here's how to lower your premiums while maintaining the right coverage.
Determine how much coverage you need for your vehicle in McKinney. Consider your car's value, your savings and your risk tolerance. Use our car insurance coverage needs calculator to get a personalized recommendation.
Research types of car insurance that save you money. If you drive less than average, consider pay-per-mile insurance. Don't own a car? A non-owner policy might work best.
Research average vehicle insurance costs in McKinney to set realistic expectations and recognize good deals. Compare rates from different insurers to find savings opportunities.
Review the car insurance discounts you qualify for. Bundle multiple policies or get multi-car discounts. Many insurers offer savings for good driving records, safety features and paying your premium in full.
Review customer feedback and financial strength ratings for insurance companies serving McKinney. Check claims processing speed and customer service quality before choosing a provider.
Contact at least three insurance companies for quotes. Use their websites, call directly or work with local agents. Each company uses different rating factors, so comparing multiple quotes helps you find the best deal.
Review your car insurance policy annually. Your rates change based on your driving record, credit score or insurer adjustments. Shopping around each year helps you maintain the best rate for your coverage.
Car insurance rates vary based on your driving history, credit and coverage needs. In McKinney, State Farm and GEICO have the cheapest average premiums overall, but be sure to compare quotes to find your best match.
Find answers to your questions about affordable car insurance in McKinney. We break down coverage options and costs to help you get the right protection at the best rates.
State Farm offers the lowest rates in McKinney, with average annual premiums of $491 for minimum coverage and $1,148 for full coverage. Rates vary by personal factors, so compare quotes.
State Farm leads McKinney's car insurance providers with a MoneyGeek score of 95 out of 100, scoring four points higher than AAA. The company delivers excellent customer service and competitive rates.
The average cost of car insurance in McKinney is $67 per month for minimum coverage and $156 per month for full coverage.
Car insurance in McKinney costs more than average, ranking 1,226th for minimum coverage affordability and 1,248th for full coverage compared to other Texas cities.
To help McKinney drivers find the most affordable auto insurance companies, MoneyGeek analyzed McKinney auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in McKinney and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
McKinney Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in McKinney with the following characteristics:
Certain factors, such as age, driving record, credit score and military affiliation, were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in McKinney
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies in McKinney based on the following rating scale:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
