The best car insurance company depends on your needs. State Farm provides McKinney's most affordable car insurance rates for full coverage, minimum coverage, military families, those with speeding tickets and drivers with at-fault accidents. Mercury is the cheapest option for DUI drivers, while Nationwide is the cheapest option for teen drivers.
Texas Farm Bureau Group is the overall best company and the best affordable company, while Chubb is the best for customer service.
Cheapest and Best Car Insurance in McKinney, TX








Cheapest Minimum Liability Car Insurance in McKinney
The following companies offer the most affordable minimum coverage car insurance policy in McKinney
- State Farm: $356 per year
- Allstate: $403 per year
Dairyland has the priciest minimum coverage in McKinney, TX, with an average annual rate of $1,050. Texas Farm Bureau has the most affordable car insurance plan in Texas, at an average of $339 annually, making McKinney slightly more expensive for the provider compared to other parts of the state.
In Texas, the mandated minimum insurance coverage must include protection for bodily injury and personal property damage. This liability is set by the state, and the limits are
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
If you are responsible for an accident and have a liability-only coverage of $30,000 per person and $60,000 per incident, your insurance company will be obligated to pay out medical costs up to $30,000 for each individual, with a cap of $60,000 for the entire incident, irrespective of the number of passengers involved. Anything beyond this amount will be paid out of pocket.
Cheapest Full Coverage Car Insurance in McKinney
For full coverage auto insurance policy in McKinney, these are the most affordable insurers
- State Farm: $702 per year
- Texas Farm Bureau Group: $848 per year
Dairyland is the most expensive full coverage car insurance company at around $2,029 per year. Texas Farm Bureau is the most affordable full coverage car insurance in Texas, with an average rate of $760 per year, showing that rates can vary by location.
A full coverage policy increases your liability limits and adds comprehensive and collision insurance to your policy.
- Collision Insurance: Covers damages to your car if you are in an accident, regardless of who is at fault.
- Comprehensive Insurance: Covers damages to your car from non-collision-related incidents, like theft, vandalism or natural disasters.
Having a full coverage policy may not be worth it for older vehicles since you’ll be paying hundreds of dollars more per year for a vehicle that could have low value.
Cheapest Car Insurance in McKinney After a Driving Offense
MoneyGeek data shows that these are the least costly auto insurance companies in McKinney if you have any of the following driving offenses on your driving history:
- Speeding ticket: State Farm ($702 per year)
- At-fault accident: State Farm (approximately $878 per year)
- DUI: Mercury ($1,282 per year)
On average, you may find the most expensive annual rates from Dairyland ($2,480), Foremost ($3,261) and Chubb ($2,719) if you have had a speeding ticket, accident or DUI, respectively. Car insurance premiums can increase when you commit an offense, so even the least expensive rates may be noticeably higher after a violation.
Be prepared for your premiums to increase based on the severity of the driving infractions. For example, McKinney drivers who have been charged with a DUI will pay roughly $546 more for their auto insurance, while those with tickets pay around $235 more. It is possible to find cheap-priced car insurance even with a bad driving record.
Cheapest Car Insurance in McKinney for Teens and Their Families
The following insurers offer the cheapest premiums for 16-year-old teens on their family’s policy:
- Nationwide: $1,786 per year for male teens; $1,567 per year for female teens
- State Farm: $2,182 per year for male teens; $1,805 per year for female teens
Allstate is the most costly company for teens, with families paying $6,242 or $7,346 per year to add a female or male teen to a policy.
Male teen rates are often higher than female teen rates because they are riskier to insure. The $219 price difference from Nationwide highlights this. This discrepancy tends to go away in early adulthood.
Adding a teen to a policy is a good way to save money because teen auto insurance prices are substantially higher if they purchase a policy on their own. In McKinney, a male teen purchasing individual coverage would pay roughly $3,267 more than for a family policy. Families might save thousands of dollars each year by shopping around for the cheapest car insurance for teens.
Cheapest Car Insurance in McKinney for Military Drivers
The cheapest insurers for military personnel and their families in McKinney are
- State Farm: $702 per year
- Texas Farm Bureau Group: $848 per year
At roughly $849 per year, USAA is the third-cheapest insurer. Their services are tailored to military members and their families, making them the best option. For minimum coverage policy, USAA is the second cheapest at an average of $385 per year. State Farm is the cheapest at around $356 annually.
How to Compare Cheap McKinney Car Insurance Quotes Online
Comparing auto insurance rates online can be time-consuming. You normally have to provide a lot of personal information, and getting quotes from a single company might take 15 minutes or more.
MoneyGeek's auto insurance calculator searches our database for quotes from several carriers based on your age, vehicle type, driving record and desired coverage level.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
Click the section of the wheel in your price range to see options.
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Click an insurer below to visit their review page or continue to your personalized quote.
Best Car Insurance in McKinney: Summary
The best auto insurance for you will be determined by your preferences. The top car insurance providers in McKinney, TX, are:
- Best overall: Texas Farm Bureau Group (MoneyGeek score 77 out of 100)
- Best for service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: Texas Farm Bureau Group (MoneyGeek score 78 out of 100)
Changes in MoneyGeek scores reflect modifications in category weightings. Texas Farm Bureau Group is also Texas's best auto insurance company. With a MoneyGeek score of 81 out of 100, USAA is the best auto insurer for military families.
Best Overall Car Insurance in McKinney
The overall best auto insurance companies in McKinney are:
- Texas Farm Bureau Group: MoneyGeek score 77 out of 100 ($848 per year)
- State Farm: MoneyGeek score 76 out of 100 ($702 per year)
Texas Farm Bureau Group ranked well in affordability and customer satisfaction, two key factors that need to be balanced in order to be considered the best insurer in the city. If you are a member of the military, USAA is also a highly recommended auto insurance provider. It scored 81 out of 100.
How was this MoneyGeek score calculated?

pros
Excellent score for affordability
High score for customer satisfaction
Offers roadside assistance
cons
Limited coverage options
COMPANY HIGHLIGHTS
Texas Farm Bureau Group balances affordability and customer satisfaction to emerge as the best overall auto insurance company in McKinney. Although the company lacks rare coverages, the ones they offer are still beneficial to McKinney drivers.
For instance, their roadside assistance coverage is available 24 hours daily and coverage for unexpected mechanical, electrical or other failures not due to a collision.
This optional coverage provides you with security in knowing that you will not be left stranded on the side of the road during a disablement. Services provided include tow to a garage or service station, flat tire repair, fuel delivery, locksmith and stuck vehicle.
Roadside assistance coverage will pay for reasonable and essential expenditures incurred during a disablement, up to $120. Every payment in excess of $120 must be paid out of pocket.
Best Car Insurance in McKinney for Customer Service
Excluding cost from our scoring system, the best companies for customer service in McKinney are:
- Chubb: MoneyGeek score 76 out of 100 ($1,389 per year)
- Foremost: MoneyGeek score 67 out of 100 ($1,425 per year)
Chubb excels in customer satisfaction and claims processing. While Chubb provides superior service to the other insurers we evaluated, its rates are higher than some of its competitors.
How was this MoneyGeek score calculated?

pros
Offers rare coverages like OEM (original equipment manufacturer) coverage and agreed value coverage
Best for claims management score
Great customer satisfaction score
cons
Limited coverage options
COMPANY HIGHLIGHTS
Customer service and claim processing are Chubb's strong suits. In McKinney, Chubb ranks highly for both.
The provider offers unique coverage, such as OEM (original equipment manufacturer), which will pay for the original parts and procedures. The purpose of OEM is to ensure the proper operation of your vehicle's safety systems. It's an essential add-on that insurance rarely provides.
Chubb also provides agreed value coverage, which is a unique kind of diminished value coverage. With this addition to your insurance, you agree to the value of your automobile when your policy is established so that if your car is stolen or wrecked, Chubb will simply issue you a check for the agreed amount. Consumers with this add-on might save thousands of dollars in the event of a covered loss.
Best Cheap Car Insurance in McKinney
The best cheap auto insurance company in McKinney, Texas, are
- Texas Farm Bureau Group: MoneyGeek score 78 out of 100 ($410 per year)
- State Farm: MoneyGeek score 78 out of 100 ($356 per year)
Although the minimum liability coverage policy is very affordable, it offers limited protection. This coverage doesn’t cover damage to your car in case of an at-fault accident.
How was this MoneyGeek score calculated?

pros
Offers anti-theft system discount, student discounts and bundling discounts
Affordable rates of around $410 annually
Ranks highly for customer satisfaction
cons
Limited coverage options
No airbag or distant student discounts
COMPANY HIGHLIGHTS
Texas Farm Bureau Group balances affordability and quality services to earn the highest score for this category. The company offers various discounts that cater to different drivers’ profiles. For example, they offer good student discounts to those with good grades and driver education discounts for drivers under the age of 25 who have completed an accredited driver training course are eligible for a discount.
Texas Farm Bureau Group also offers bundling discounts when you combine your auto policy with your home or renters policy as well as safety device discounts for installing anti-theft systems in your car.
Beyond these savings opportunities, you can get additional discounts by insuring multiple cars with the insurer. Keep in mind that this insurer does have limited discount options, though, limiting your opportunities to save money.
Average Cost of Car Insurance in McKinney
The average cost of auto insurance in McKinney is $1,171 per year, which is $30 less than the Texas state average and $94 less than the national average as of October 2022. These prices are for full coverage insurance with bodily injury liability of $100,000 per person, bodily injury liability of $300,000 per accident and property damage liability of $100,000 per accident.
Location is only one of several factors that affect auto insurance premiums.
About Mark Fitzpatrick
