Cheapest Car Insurance in McKinney, TX (2025)

McKinney drivers pay an average of $804 per year for minimum coverage and $1,872 per year for full coverage. This city has high rates due to its location in the Dallas-Fort Worth metroplex, which brings higher traffic density and an increased number of accidents.

• Cheapest minimum liability coverage: State Farm offers McKinney's most affordable minimum coverage at $491 per year ($41 monthly). That's 39% lower than the city average of $804, saving you $313 annually. GEICO comes in second for minimum coverage at $676 per year ($56 monthly), providing 16% savings compared to the city average.
• Cheapest full coverage: State Farm offers the most affordable full coverage at $1,148 per year ($96 monthly), which is 39% lower than the city average of $1,872. That's $724 in annual savings. GEICO's full coverage costs $1,396 per year ($116 monthly), which is still 25% below the city average but $248 more than State Farm's annual coverage.

Car insurance costs vary by age in McKinney, with young drivers facing the highest premiums. Here are the most affordable options by age group:

• Adults: State Farm leads at $41 monthly, followed by GEICO at $56
• Seniors: State Farm offers the best value at $47 monthly, with GEICO at $73
• Young drivers: State Farm remains the cheapest at $92 monthly, while GEICO charges $97

State Farm helps young drivers under 25 reduce costs through its Steer Clear program, offering up to 15% savings after completion. 

Its Good Student Discount provides up to 25% off for maintaining strong grades. GEICO focuses on senior drivers aged 50 and older with its Prime Time Contract, offering policy protection and discounts on defensive driving courses to lower premiums.

If you recently had a violation, now is the best time to shop for lower rates. Here are your cheapest car insurance options in McKinney by violation type:

• Accident: State Farm at $48 and Farmers at $71 monthly
• Ticket: State Farm at $40 and GEICO at $64 monthly
• DUI: State Farm at $66 and Farmers at $76 monthly

Minor violations in Texas stay on your record for three years before rates decrease.

McKinney drivers see minimal differences in car insurance costs between neighborhoods. The priciest area, ZIP code 75070, averages $156 monthly for full coverage, while the most affordable ZIP code 75072 costs $155 monthly.

State Farm earned 94 out of 100 on MoneyGeek's rating scale. It is McKinney's top car insurance provider. AAA follows closely with a score of 90 out of 100. 

State Farm leads in affordability and customer experience. We use complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

AAA also has high affordability. Both insurers maintain excellent financial stability ratings.

See below for why each insurer is best and which fits your needs.

McKinney residents have high car insurance costs compared to other Texas cities. Shop around, secure better rates and select appropriate coverage:

Our insurance experts have compiled answers to common questions about affordable car insurance in McKinney:

McKinney drivers pay some of Texas's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Texas Department of Insurance and Quadrant Information Services. Our research covered all McKinney ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. The analysis was complicated by McKinney's location in hail alley, higher property crime rates and increased accident risks from rapid population growth.

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Texas's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling hit-and-run accidents.

Coverage options (10%): More choices mean better odds of matching coverage to McKinney risks like hail damage, uninsured motorists and theft in high-risk areas.