Compare Rates and Save on Auto Insurance

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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceMcKinney
2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$332

$28

State Farm

$356

$30

Texas Farm Bureau

$356

$30

Allstate

$403

$34

Texas Farm Bureau

$410

$34

Allstate

$414

$34

State Farm

$435

$36

Mercury

$443

$37

AAA Texas

$480

$40

Mercury

$481

$40

Allstate

$505

$42

AAA Texas

$511

$43

Texas Farm Bureau

$524

$44

Nationwide

$532

$44

Nationwide

$558

$46

Mercury

$574

$48

Progressive

$581

$48

Progressive

$594

$49

GEICO

$599

$50

AAA Texas

$617

$51

Chubb

$629

$52

GEICO

$629

$52

State Farm

$642

$53

Foremost

$674

$56

GEICO

$689

$57

Chubb

$691

$58

Progressive

$698

$58

National General

$698

$58

State Farm

$702

$58

Texas Farm Bureau

$707

$59

National General

$721

$60

Nationwide

$751

$63

Foremost

$786

$65

Allstate

$787

$66

Texas Farm Bureau

$848

$71

Allstate

$850

$71

National General

$888

$74

Nationwide

$888

$74

State Farm

$908

$76

Foremost

$923

$77

Mercury

$929

$77

AAA Texas

$954

$80

AAA Texas

$956

$80

Mercury

$985

$82

Dairyland

$1,021

$85

GEICO

$1,033

$86

Texas Farm Bureau

$1,044

$87

GEICO

$1,050

$88

Dairyland

$1,050

$88

Nationwide

$1,085

$90

Allstate

$1,139

$95

Chubb

$1,212

$101

Chubb

$1,214

$101

GEICO

$1,233

$103

Dairyland

$1,247

$104

AAA Texas

$1,251

$104

Mercury

$1,273

$106

Nationwide

$1,312

$109

Chubb

$1,389

$116

Progressive

$1,423

$119

Foremost

$1,425

$119

Progressive

$1,484

$124

Foremost

$1,515

$126

National General

$1,520

$127

National General

$1,657

$138

Dairyland

$1,813

$151

Progressive

$1,852

$154

National General

$1,870

$156

Foremost

$1,901

$158

Dairyland

$2,029

$169

Chubb

$2,190

$182

Dairyland

$2,490

$208

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.

Company
Annual Premium
Monthly Premium

State Farm

$332

$28

State Farm

$356

$30

Texas Farm Bureau

$356

$30

Allstate

$403

$34

Texas Farm Bureau

$410

$34

Allstate

$414

$34

State Farm

$435

$36

Mercury

$443

$37

AAA Texas

$480

$40

Mercury

$481

$40

Allstate

$505

$42

AAA Texas

$511

$43

Texas Farm Bureau

$524

$44

Nationwide

$532

$44

Nationwide

$558

$46

Mercury

$574

$48

Progressive

$581

$48

Progressive

$594

$49

GEICO

$599

$50

AAA Texas

$617

$51

Chubb

$629

$52

GEICO

$629

$52

State Farm

$642

$53

Foremost

$674

$56

GEICO

$689

$57

Chubb

$691

$58

Progressive

$698

$58

National General

$698

$58

State Farm

$702

$58

Texas Farm Bureau

$707

$59

National General

$721

$60

Nationwide

$751

$63

Foremost

$786

$65

Allstate

$787

$66

Texas Farm Bureau

$848

$71

Allstate

$850

$71

National General

$888

$74

Nationwide

$888

$74

State Farm

$908

$76

Foremost

$923

$77

Mercury

$929

$77

AAA Texas

$954

$80

AAA Texas

$956

$80

Mercury

$985

$82

Dairyland

$1,021

$85

GEICO

$1,033

$86

Texas Farm Bureau

$1,044

$87

GEICO

$1,050

$88

Dairyland

$1,050

$88

Nationwide

$1,085

$90

Allstate

$1,139

$95

Chubb

$1,212

$101

Chubb

$1,214

$101

GEICO

$1,233

$103

Dairyland

$1,247

$104

AAA Texas

$1,251

$104

Mercury

$1,273

$106

Nationwide

$1,312

$109

Chubb

$1,389

$116

Progressive

$1,423

$119

Foremost

$1,425

$119

Progressive

$1,484

$124

Foremost

$1,515

$126

National General

$1,520

$127

National General

$1,657

$138

Dairyland

$1,813

$151

Progressive

$1,852

$154

National General

$1,870

$156

Foremost

$1,901

$158

Dairyland

$2,029

$169

Chubb

$2,190

$182

Dairyland

$2,490

$208

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$332

$28

State Farm

$356

$30

Texas Farm Bureau

$356

$30

Allstate

$403

$34

Texas Farm Bureau

$410

$34

Allstate

$414

$34

State Farm

$428

$36

State Farm

$435

$36

State Farm

$455

$38

Allstate

$505

$42

Texas Farm Bureau

$524

$44

State Farm

$542

$45

Mercury

$620

$52

Nationwide

$630

$52

Mercury

$635

$53

Progressive

$641

$53

State Farm

$642

$53

AAA Texas

$646

$54

Texas Farm Bureau

$653

$54

Nationwide

$655

$55

State Farm

$662

$55

Chubb

$680

$57

GEICO

$681

$57

AAA Texas

$686

$57

Allstate

$689

$57

State Farm

$689

$57

Progressive

$694

$58

Progressive

$700

$58

State Farm

$702

$58

Texas Farm Bureau

$703

$59

Texas Farm Bureau

$707

$59

Allstate

$709

$59

GEICO

$717

$60

AAA Texas

$726

$61

Allstate

$737

$61

Mercury

$743

$62

GEICO

$745

$62

Chubb

$746

$62

Foremost

$757

$63

Allstate

$757

$63

Progressive

$759

$63

Mercury

$759

$63

AAA Texas

$762

$64

Progressive

$772

$64

AAA Texas

$772

$64

Mercury

$773

$64

State Farm

$777

$65

Allstate

$787

$66

National General

$793

$66

Mercury

$803

$67

National General

$805

$67

Texas Farm Bureau

$805

$67

AAA Texas

$810

$68

Foremost

$812

$68

State Farm

$814

$68

National General

$818

$68

AAA Texas

$829

$69

GEICO

$830

$69

Progressive

$833

$69

National General

$837

$70

Texas Farm Bureau

$848

$71

Allstate

$850

$71

Nationwide

$858

$71

Allstate

$865

$72

State Farm

$878

$73

Nationwide

$885

$74

Foremost

$890

$74

GEICO

$893

$74

Texas Farm Bureau

$900

$75

State Farm

$908

$76

GEICO

$912

$76

Progressive

$918

$77

Nationwide

$919

$77

Allstate

$924

$77

Texas Farm Bureau

$931

$78

AAA Texas

$932

$78

Mercury

$940

$78

Chubb

$940

$78

Foremost

$961

$80

AAA Texas

$978

$82

National General

$1,005

$84

National General

$1,008

$84

Foremost

$1,010

$84

Progressive

$1,012

$84

Chubb

$1,033

$86

Dairyland

$1,039

$87

Texas Farm Bureau

$1,044

$87

Progressive

$1,065

$89

Foremost

$1,065

$89

Dairyland

$1,067

$89

GEICO

$1,069

$89

GEICO

$1,069

$89

National General

$1,095

$91

Nationwide

$1,100

$92

Nationwide

$1,106

$92

State Farm

$1,106

$92

Mercury

$1,115

$93

Nationwide

$1,134

$94

Allstate

$1,139

$95

National General

$1,145

$95

GEICO

$1,169

$97

Nationwide

$1,180

$98

Texas Farm Bureau

$1,212

$101

Mercury

$1,220

$102

GEICO

$1,223

$102

GEICO

$1,228

$102

Chubb

$1,230

$103

State Farm

$1,238

$103

Texas Farm Bureau

$1,245

$104

AAA Texas

$1,258

$105

Nationwide

$1,264

$105

AAA Texas

$1,264

$105

Dairyland

$1,269

$106

Mercury

$1,282

$107

Allstate

$1,288

$107

State Farm

$1,302

$109

Chubb

$1,309

$109

Chubb

$1,311

$109

National General

$1,312

$109

Nationwide

$1,320

$110

Mercury

$1,346

$112

Chubb

$1,351

$113

Dairyland

$1,354

$113

Allstate

$1,361

$113

GEICO

$1,365

$114

Allstate

$1,370

$114

AAA Texas

$1,400

$117

AAA Texas

$1,409

$117

Texas Farm Bureau

$1,418

$118

Texas Farm Bureau

$1,429

$119

Allstate

$1,442

$120

Dairyland

$1,451

$121

AAA Texas

$1,463

$122

Mercury

$1,471

$123

AAA Texas

$1,473

$123

GEICO

$1,490

$124

Nationwide

$1,492

$124

Chubb

$1,501

$125

Dairyland

$1,509

$126

Nationwide

$1,510

$126

GEICO

$1,520

$127

State Farm

$1,531

$128

Dairyland

$1,545

$129

Nationwide

$1,616

$135

Mercury

$1,620

$135

Foremost

$1,625

$135

Mercury

$1,639

$137

Dairyland

$1,646

$137

AAA Texas

$1,653

$138

GEICO

$1,656

$138

Progressive

$1,674

$139

Foremost

$1,678

$140

Progressive

$1,688

$141

Texas Farm Bureau

$1,693

$141

Mercury

$1,704

$142

Foremost

$1,739

$145

Foremost

$1,741

$145

Texas Farm Bureau

$1,766

$147

National General

$1,767

$147

Dairyland

$1,791

$149

Chubb

$1,812

$151

Chubb

$1,814

$151

Progressive

$1,817

$151

Dairyland

$1,831

$153

Allstate

$1,836

$153

Progressive

$1,840

$153

AAA Texas

$1,842

$154

Nationwide

$1,868

$156

GEICO

$1,871

$156

Foremost

$1,876

$156

National General

$1,886

$157

AAA Texas

$1,926

$161

Mercury

$1,934

$161

Allstate

$1,935

$161

GEICO

$1,952

$163

GEICO

$1,955

$163

Nationwide

$1,974

$164

National General

$1,981

$165

National General

$1,988

$166

Foremost

$1,997

$166

Dairyland

$2,048

$171

Progressive

$2,059

$172

Nationwide

$2,069

$172

Chubb

$2,077

$173

Foremost

$2,102

$175

Foremost

$2,107

$176

National General

$2,118

$176

Texas Farm Bureau

$2,135

$178

Progressive

$2,202

$184

Foremost

$2,221

$185

Progressive

$2,314

$193

National General

$2,346

$195

Chubb

$2,366

$197

Chubb

$2,372

$198

Chubb

$2,375

$198

Mercury

$2,382

$199

Progressive

$2,394

$200

Mercury

$2,405

$200

National General

$2,435

$203

Nationwide

$2,463

$205

Dairyland

$2,474

$206

Dairyland

$2,480

$207

Dairyland

$2,512

$209

National General

$2,637

$220

National General

$2,697

$225

Chubb

$2,719

$227

Progressive

$2,738

$228

Dairyland

$2,799

$233

Dairyland

$2,832

$236

Dairyland

$2,922

$243

Dairyland

$3,152

$263

Foremost

$3,261

$272

Chubb

$3,276

$273

Foremost

$3,780

$315

Foremost

$3,868

$322

Chubb

$4,289

$357

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$641

$3,057

State Farm

$747

$3,561

State Farm

$766

$4,157

State Farm

$805

$3,836

Nationwide

$1,028

$2,334

Nationwide

$1,040

$2,511

State Farm

$1,072

$3,672

Nationwide

$1,086

$3,133

Nationwide

$1,151

$3,598

Nationwide

$1,157

$2,627

State Farm

$1,174

$4,402

Nationwide

$1,174

$2,933

State Farm

$1,204

$4,123

Nationwide

$1,220

$2,770

Nationwide

$1,229

$2,968

Nationwide

$1,241

$3,356

State Farm

$1,271

$5,085

Nationwide

$1,304

$3,148

State Farm

$1,324

$4,535

State Farm

$1,409

$6,071

State Farm

$1,434

$5,376

Nationwide

$1,460

$5,105

State Farm

$1,471

$5,597

Nationwide

$1,490

$6,002

Nationwide

$1,523

$4,393

Nationwide

$1,567

$6,489

Allstate

$1,584

$2,114

Nationwide

$1,601

$6,448

State Farm

$1,620

$6,893

Nationwide

$1,652

$6,531

GEICO

$1,690

$3,157

Nationwide

$1,698

$7,596

Allstate

$1,706

$2,179

GEICO

$1,708

$3,810

GEICO

$1,712

$3,041

Nationwide

$1,715

$5,360

GEICO

$1,732

$3,235

GEICO

$1,736

$3,084

GEICO

$1,748

$3,807

State Farm

$1,751

$7,672

State Farm

$1,764

$6,709

GEICO

$1,773

$3,476

Nationwide

$1,786

$8,218

State Farm

$1,801

$7,661

State Farm

$1,805

$8,482

GEICO

$1,808

$3,377

GEICO

$1,811

$3,487

Nationwide

$1,825

$8,166

GEICO

$1,832

$3,253

Allstate

$1,921

$2,563

Allstate

$1,952

$3,008

State Farm

$1,960

$8,616

GEICO

$2,006

$5,102

Progressive

$2,017

$3,123

GEICO

$2,024

$4,513

Allstate

$2,048

$2,733

GEICO

$2,083

$5,196

Progressive

$2,097

$5,117

Progressive

$2,099

$3,089

GEICO

$2,115

$4,608

Foremost

$2,117

$3,485

Foremost

$2,175

$2,998

State Farm

$2,175

$9,563

GEICO

$2,177

$6,104

State Farm

$2,182

$10,603

Allstate

$2,240

$2,862

GEICO

$2,268

$6,276

Progressive

$2,280

$5,539

Foremost

$2,280

$3,143

Allstate

$2,289

$3,501

Foremost

$2,290

$3,299

Foremost

$2,311

$3,185

Allstate

$2,314

$3,413

Foremost

$2,338

$3,967

Foremost

$2,363

$3,148

Progressive

$2,394

$3,522

GEICO

$2,427

$6,805

Progressive

$2,443

$3,783

Allstate

$2,468

$3,153

GEICO

$2,493

$8,065

Progressive

$2,507

$6,946

Progressive

$2,527

$4,433

Foremost

$2,540

$3,383

Progressive

$2,565

$4,794

GEICO

$2,568

$7,106

Progressive

$2,577

$6,288

Foremost

$2,588

$3,730

Progressive

$2,601

$3,826

GEICO

$2,639

$8,525

Foremost

$2,648

$3,528

Progressive

$2,703

$4,185

Allstate

$2,705

$3,988

Foremost

$2,793

$9,304

Progressive

$2,839

$7,928

Foremost

$2,873

$9,429

Foremost

$2,912

$9,699

Progressive

$2,973

$7,223

Foremost

$3,022

$9,920

Allstate

$3,076

$5,525

Foremost

$3,098

$6,059

Foremost

$3,128

$6,138

Allstate

$3,168

$4,674

Progressive

$3,185

$14,255

Foremost

$3,296

$13,938

Foremost

$3,430

$5,819

Foremost

$3,434

$14,461

Foremost

$3,497

$5,758

Progressive

$3,545

$15,999

Progressive

$3,559

$16,617

Allstate

$3,628

$6,541

Allstate

$3,744

$5,520

Progressive

$3,780

$16,916

Progressive

$3,915

$18,343

Progressive

$4,137

$18,669

Allstate

$4,708

$6,659

Allstate

$5,535

$7,844

Allstate

$5,764

$8,153

Allstate

$6,242

$11,675

Allstate

$6,778

$9,604

Allstate

$7,346

$13,782

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.

Company
Annual Premium
Monthly Premium

State Farm

$332

$28

State Farm

$356

$30

Texas Farm Bureau

$356

$30

USAA

$385

$32

Allstate

$403

$34

USAA

$410

$34

Texas Farm Bureau

$410

$34

Allstate

$414

$34

State Farm

$435

$36

Mercury

$443

$37

USAA

$462

$38

AAA Texas

$480

$40

Mercury

$481

$40

Allstate

$505

$42

AAA Texas

$511

$43

Texas Farm Bureau

$524

$44

Nationwide

$532

$44

Nationwide

$558

$46

Mercury

$574

$48

Progressive

$581

$48

Progressive

$594

$49

GEICO

$599

$50

AAA Texas

$617

$51

GEICO

$629

$52

Chubb

$629

$52

State Farm

$642

$53

Foremost

$674

$56

GEICO

$689

$57

Chubb

$691

$58

Progressive

$698

$58

National General

$698

$58

State Farm

$702

$58

Texas Farm Bureau

$707

$59

National General

$721

$60

Nationwide

$751

$63

Foremost

$786

$65

Allstate

$787

$66

USAA

$835

$70

Texas Farm Bureau

$848

$71

USAA

$849

$71

Allstate

$850

$71

National General

$888

$74

Nationwide

$888

$74

State Farm

$908

$76

Foremost

$923

$77

Mercury

$929

$77

AAA Texas

$954

$80

AAA Texas

$956

$80

Mercury

$985

$82

Dairyland

$1,021

$85

USAA

$1,032

$86

GEICO

$1,033

$86

Texas Farm Bureau

$1,044

$87

GEICO

$1,050

$88

Dairyland

$1,050

$88

Nationwide

$1,085

$90

Allstate

$1,139

$95

Chubb

$1,212

$101

Chubb

$1,214

$101

GEICO

$1,233

$103

Dairyland

$1,247

$104

AAA Texas

$1,251

$104

Mercury

$1,273

$106

Nationwide

$1,312

$109

Chubb

$1,389

$116

Progressive

$1,423

$119

Foremost

$1,425

$119

Progressive

$1,484

$124

Foremost

$1,515

$126

National General

$1,520

$127

National General

$1,657

$138

Dairyland

$1,813

$151

Progressive

$1,852

$154

National General

$1,870

$156

Foremost

$1,901

$158

Dairyland

$2,029

$169

Chubb

$2,190

$182

Dairyland

$2,490

$208

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.

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Click an insurer below to visit their review page or continue to your personalized quote.

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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?

Texas Farm Bureau

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.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

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?

Chubb

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?

Texas Farm Bureau

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.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.