State Farm offers McKinney's lowest car insurance rates of $491 per year for minimum coverage and $1,148 annually for full coverage. Other affordable insurers in the city include GEICO, AAA and Mercury Insurance.
Car Insurance in McKinney
Updated: August 10, 2025
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Key Takeaways
The cheapest car insurance companies in McKinney are State Farm, GEICO and AAA with savings up to 42% compared to the city average.
On average McKinney car insurance costs $156 per month for full coverage and $67 for minimum coverage.
To get the best cheap auto insurance in McKinney, we recommend deciding on coverage beforehand, doing plenty of research and comparing quotes from multiple sources.
Who Has the Cheapest Car Insurance in McKinney?
| State Farm | $41 | $96 | -42% |
| GEICO | $56 | $116 | -27% |
| AAA | $57 | $119 | -26% |
| Mercury Insurance | $61 | $144 | -13% |
| Progressive | $89 | $150 | 1% |
Compare the Cheapest McKinney Car Insurance for You
Your car insurance rates depend heavily on your driving history and personal details, so we've analyzed costs across different driver profiles. Check the table below to find the cheapest insurance company for your specific situation, whether you're a young driver, have past violations, or fall into other categories.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| State Farm | $118 | $1,421 | -48% |
| Germania Insurance | $155 | $1,857 | -32% |
| AAA | $168 | $2,011 | -27% |
| Geico | $178 | $2,133 | -22% |
| Farmers | $227 | $2,729 | -1% |
Cheapest Car Insurance by Age Group in McKinney
Car insurance rates in McKinney vary based on age. We analyzed rates across three age groups to find the most affordable options for each:
- Cheapest Car Insurance for Young Drivers (16 to 25): State Farm at $92 per month
- Cheapest Car Insurance for Adults (26 to 64): State Farm at $41 per month
- Cheapest Car Insurance for Seniors (65+): State Farm at $47 per month
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.
Cheapest Car Insurance for Young Drivers in McKinney
State Farm and GEICO provide the most affordable car insurance options for young drivers in McKinney, with monthly premiums starting at $92 and $97 respectively.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for Adult Drivers in McKinney
In McKinney, State Farm provides the lowest rates for adult drivers (26 to 64), saving policyholders around 43% on average. GEICO and AAA also rank among the most affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $41 | $491 | -43% |
| Geico | $56 | $676 | -21% |
| AAA | $57 | $679 | -20% |
| Mercury Insurance | $61 | $736 | -14% |
| Farmers | $68 | $811 | -5% |
Cheapest Car Insurance for Senior Drivers in McKinney
For seniors aged 65+, Farm Bureau offers the lowest minimum coverage car insurance at $47 per month or $569 per year.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| State Farm | $47 | $569 | -48% |
| Geico | $73 | $882 | -19% |
| AAA | $77 | $929 | -15% |
| Germania Insurance | $82 | $990 | -9% |
| Mercury Insurance | $102 | $1,229 | 13% |
Cheapest Car Insurance for High-Risk Drivers in McKinney
If you're a high-risk driver in McKinney, these insurance companies offer the lowest rates based on your situation:
- Cheapest for Bad Credit: GEICO (from $81 per month)
- Cheapest With a DUI: State Farm (from $66 per month)
- Cheapest With an Accident: State Farm (from $48 per month)
- Cheapest With a Speeding Ticket: State Farm (from $41 per month)
Cheapest Car Insurance for Bad Credit in McKinney
GEICO offers the cheapest car insurance for bad credit drivers in McKinney, with monthly rates starting at $81 for minimum coverage and $194 for full coverage. These affordable rates apply to drivers with clean records, making GEICO a cost-effective choice for both basic and comprehensive protection.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| 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% |
Cheapest Car Insurance With a DUI in McKinney
State Farm offers the most affordable car insurance rates in McKinney for drivers with a DUI. You can save up to 40% on minimum coverage and 34% on full coverage compared to average city rates with this provider.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $66 | $793 | -40% |
| Farmers | $76 | $918 | -31% |
| Mercury Insurance | $83 | $993 | -25% |
| AAA | $88 | $1,057 | -20% |
| Geico | $97 | $1,162 | -13% |
Cheapest Car Insurance With an Accident in McKinney
State Farm offers McKinney's lowest car insurance rates for drivers with accident records, starting at $48 per month. This rate is 52% below the city average for similar coverage.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $48 | $578 | -52% |
| Farmers | $71 | $853 | -29% |
| Geico | $77 | $924 | -23% |
| Germania Insurance | $79 | $944 | -21% |
| AAA | $83 | $994 | -17% |
Cheapest Car Insurance With a Speeding Ticket in McKinney
For McKinney drivers with speeding tickets, State Farm offers the cheapest car insurance across both coverage levels. Their minimum liability coverage costs about $41 monthly, while full coverage runs around $96 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| State Farm | $41 | $491 | -51% |
| Geico | $65 | $776 | -23% |
| AAA | $75 | $896 | -11% |
| Germania Insurance | $78 | $931 | -8% |
| Allstate | $79 | $951 | -6% |
Best Car Insurance Companies in McKinney
In McKinney, the top car insurance companies are State Farm, AAA, GEICO, Mercury Insurance and Progressive. These insurers rank highest for offering competitive rates, quality customer service and comprehensive coverage options.
| 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 |
State Farm: Best Overall Value
pros
Lowest rates in McKinney
Strong customer service ratings
Wins in multiple driver categories
cons
Limited coverage options
Few add-on coverages available
COMPANY HIGHLIGHTS
State Farm ranks first in McKinney by offering exceptional value across most driver categories. Their rates come in well below the city average, making them particularly attractive for cost-conscious drivers. The company excels in customer service and ranks as the most affordable option for young drivers, seniors, and those with driving incidents. Their main drawback is a smaller selection of optional coverages compared to competitors.
AAA: Best for Customer Service
pros
Above-average customer satisfaction
Competitive rates
Strong roadside assistance
cons
Limited coverage customization options
COMPANY HIGHLIGHTS
AAA earns McKinney's second-place spot by delivering reliable service and competitive rates. They consistently score high marks for customer satisfaction and offer rates below the city average. While they don't specialize in any particular driver category, AAA provides well-rounded coverage options and stands out for their renowned roadside assistance program. The main limitation is fewer options to customize your policy compared to some competitors.
How Much Is Car Insurance in McKinney?
In McKinney, minimum coverage costs about $67 per month or $804 per year, ranking 1,226th out of all Texas cities for affordability. Full coverage averages $156 monthly or $1,869 annually, ranking 1,248th among Texas cities.
| Full Coverage | $156 | $1,869 |
| Minimum Coverage | $67 | $804 |
Compare Personalized McKinney Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, this table lets you filter McKinney car insurance costs by your specific combination of age, driving record and other key factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $226 | $2,717 | 5% |
McKinney Car Insurance Costs by ZIP Code
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.
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ZIP Code:75070
| 75070 | $67 | $156 |
How to Get the Best Cheap McKinney Car Insurance
With McKinney drivers facing some of Texas's highest car insurance rates, finding affordable coverage can feel overwhelming. This step-by-step guide will show you proven ways to lower your premiums while maintaining the right coverage for your needs.
- 1
Calculate your coverage requirements
Start by determining exactly 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 based on your specific situation.
- 2
Explore different insurance types
Look into various types of car insurance that could save you money. If you drive less than average, consider pay-per-mile insurance. Don't own a car? A non-owner policy might be your best option.
- 3
Know the typical costs
Research average vehicle insurance costs in McKinney to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Compare rates from different insurers to see where you might save.
- 4
Check available insurance discounts
Take advantage of every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Many insurers offer additional savings for good driving records, safety features and paying your premium in full.
- 5
Research insurance company ratings
Look up customer reviews and financial strength ratings for insurance companies serving McKinney. Check their claims processing speed and customer service quality. A cheaper policy isn't worth it if the company has poor service or struggles to pay claims.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use their websites, call directly, and work with local agents. Each company uses different factors to set rates, so comparing multiple quotes helps you find the best deal.
- 7
Review your policy yearly
Mark your calendar to review your car insurance policy annually. Your rates might change based on your driving record, credit score or insurance company adjustments. Shopping around each year helps you maintain the best possible rate for your coverage.
Cheapest Car Insurance in McKinney: Bottom Line
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.
Cheap McKinney Car Insurance: FAQ
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.
What is the cheapest car insurance company in McKinney, Texas?
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.
Who offers the best car insurance in McKinney?
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.
What is the average cost of car insurance in McKinney?
The average cost of car insurance in McKinney is $67 per month for minimum coverage and $156 per month for full coverage.
Is car insurance in McKinney expensive?
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.
How We Chose the Best and Cheapest Car Insurance in McKinney, TX
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:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
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:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in McKinney based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.