Amica provides the best home insurance in McKinney, offering competitive pricing, customer satisfaction and extensive coverage. If you're focused on cheap home insurance, Farmers has the lowest monthly premium at around $452.
Cheap Home Insurance in McKinney
Updated: November 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Amica provides the best overall value for homeowners in McKinney, while Farmers offers the most affordable coverage at $5,423 annually.
Home insurance in McKinney costs an average of $583 per month or $6,998 per year for most homeowners.
To get the best and cheapest home insurance in McKinney, determine your coverage needs, research costs and companies, and compare plenty of quotes on an apples-to-apples basis.
Best Cheap Home Insurance Companies in McKinney
| Amica | 93 | $605 | $7,262 |
| Chubb | 89 | $711 | $8,532 |
| State Farm | 89 | $507 | $6,080 |
| Nationwide | 88 | $641 | $7,695 |
| Farmers | 86 | $452 | $5,423 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does McKinney Home Insurance Cost?
Home insurance rates in McKinney vary depending on personal profile, coverage level and home details. Costs range from $306 to $1,652 monthly. Explore the table below to compare personalized rates based on your home's age and desired coverage level.
Data filtered by:
Newer Home
$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $162 | $1,939 |
How to Get the Best Cheap Home Insurance in McKinney
Finding affordable home insurance in McKinney can be tough. We've put together a step-by-step guide to help you find the best cheap homeowners insurance that fits your needs.
- 1Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand allows you to compare quotes easily and prevents you from being oversold by agents.
- 2Research Cost and Discounts
Researching average home insurance costs in Texas for your city and profile can help you gauge your potential savings with any given provider. You can also explore the best homeowners insurance in Texas to see which insurers consistently offer strong coverage, customer satisfaction and affordability across the state before narrowing down your McKinney options.
- 3Compare Company Offerings and Reputations
In addition to cost research, learn what add-on coverages companies offer and their reputations for handling claims, agent service, policy management and buying processes. Great resources for this include J.D. Power, the NAIC, forums like Reddit and user review sites like Trustpilot.
- 4Compare Many Quotes Through Multiple Means
Comparing multiple quotes on an apples-to-apples basis will allow you to find the best option for you. Pricing also will vary depending on where you get your quote, so request quotes online and from independent agents and captive agents to make sure you get the lowest price.
Best Home Insurance in McKinney: Bottom Line
The best and most affordable home insurance companies in McKinney are Amica, Chubb and State Farm. To see how McKinney compares with other areas, explore our guide to cheap homeowners insurance in Texas, where we analyze statewide affordability and rate trends.
Homeowners in other parts of Texas can also compare rates in nearby cities, from Waco and Amarillo to Dallas and Houston.
McKinney Home Insurance: FAQ
Below, we answer common questions about home insurance in McKinney.
Who offers the best home insurance in McKinney?
Amica is the best home insurance provider in McKinney for its competitive pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from Chubb, State Farm, Nationwide and Farmers.
Who has the cheapest home insurance in McKinney?
Farmers provides the most cost-effective home insurance for the average homeowner in McKinney, with an average rate of $452 per month or $5,423 per year. However, rates can differ widely depending on your coverage level and home characteristics.
What does home insurance cost in McKinney?
Home insurance in McKinney ranges from $1,939 to $19,824 annually, factoring in home age and coverage levels.
How We Decided the Best Cheap Home Insurance Companies in McKinney
MoneyGeek’s study analyzed home insurance premiums from 10 companies in McKinney. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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.