Cheapest Car Insurance In McKinney, TX 2024
State Farm is the most affordable choice in McKinney, offering an average monthly rate of $26 for basic coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for low-cost car insurance in McKinney, TX, you’ll find that rates can differ significantly.
For those interested in liability-only coverage, State Farm stands out as the top option. Additionally, drivers who want full coverage can also count on State Farm for the best rates. On the other hand, Direct Auto provides the lowest rates for younger drivers.
Cheapest Car Insurance Companies In McKinney, TX 2024
Cheapest Minimum Coverage Car Insurance In McKinney: State Farm
In McKinney, the most affordable car insurance for minimum coverage is offered by State Farm, with an average cost of $26 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $26 | $312 |
| GEICO | $111 | $1,332 |
| Texas Farm Bureau | $80 | $960 |
| AAA Texas | $113 | $1,356 |
| Allstate | $76 | $912 |
Cheapest Car Insurance In McKinney For Seniors: Direct Auto
Direct Auto offers the lowest car insurance rates for seniors in McKinney, with an average monthly quote of $58.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $58 | $696 |
| USAA | $111 | $1,332 |
| Texas Farm Bureau Group | $77 | $924 |
| Nationwide | $113 | $1,356 |
| State Farm | $87 | $1,044 |
Cheapest Auto Insurance Rates In McKinney For Teenagers: Texas Farm Bureau Group
Teen drivers in McKinney can get the most affordable rates from Texas Farm Bureau Group, with average monthly premiums around $200.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau Group | $200 | $2,400 |
| State Farm | $431 | $5,172 |
| Permanent General | $270 | $3,240 |
| Nationwide | $444 | $5,328 |
| USAA | $291 | $3,492 |
Cheapest Car Insurance In McKinney After A Speeding Ticket: State Farm
State Farm is much more affordable compared to other companies, offering average rates of $50 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $50 | $600 |
| GEICO | $111 | $1,332 |
| Texas Farm Bureau | $80 | $960 |
| AAA Texas | $114 | $1,368 |
| Allstate | $66 | $792 |
Cheapest Car Insurance In McKinney After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance quotes for drivers with an at-fault incident, averaging $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $65 | $780 |
| Texas Farm Bureau | $125 | $1,500 |
| Allstate | $107 | $1,284 |
| GEICO | $130 | $1,560 |
| AAA Texas | $123 | $1,476 |
Cheapest Car Insurance In McKinney For Drivers After A DUI: Mercury
Mercury offers the lowest rates for drivers in McKinney after a DUI, with average monthly premiums of $115.
| Provider | Average Monthly Cost | Average Annual Cost |
| Mercury | $115 | $1,380 |
| AAA Texas | $130 | $1,560 |
| State Farm | $117 | $1,404 |
| Foremost | $143 | $1,716 |
| Allstate | $127 | $1,524 |
Cheapest Car Insurance In McKinney For Young Adults: Direct Auto
Direct Auto provides the lowest quotes for young adults in McKinney, with rates averaging around $87 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $87 | $1,044 |
| SafeAuto | $142 | $1,704 |
| Mercury Insurance | $120 | $1,440 |
| Safeco | $150 | $1,800 |
| Texas Farm Bureau Group | $132 | $1,584 |
Cheapest Full Coverage Car Insurance In McKinney: State Farm
State Farm offers the most affordable full coverage car insurance in McKinney, with average monthly quotes of $48.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $48 | $576 |
| Mercury | $85 | $1,020 |
| Allstate | $80 | $960 |
| AAA Texas | $84 | $1,008 |
| Texas Farm Bureau | $67 | $804 |
Best Car Insurance Companies In McKinney
Here are the top 10 car insurance companies in McKinney, TX, listed by their average monthly rates.
| Company | Monthly Premium |
| Direct Auto | $84 |
| Mercury | $184 |
| Texas Farm Bureau Group | $108 |
| Safeco | $183 |
| SafeAuto | $123 |
| Kemper Auto Premium | $180 |
| State Farm | $132 |
| Nationwide | $148 |
| Nationwide | $150 |
| USAA | $150 |
Average Cost Of Car Insurance In McKinney – By Age
| Age | Average Yearly Rate |
| Teenagers | $3,240 |
| 20s | $2,760 |
| 30s | $1,872 |
| 40s | $1,656 |
| 50s | $1,632 |
| 60s | $1,248 |
| 70s | $1,764 |
How Much Is Car Insurance In Other Cities in Texas?
| City | Average Monthly Rate |
| Amarillo | $145 |
| Irving | $179 |
| Arlington | $176 |
| Houston | $178 |
| Austin | $162 |
| Fort Worth | $155 |
| Beaumont | $170 |
| El Paso | $173 |
| Corpus Christi | $167 |
| Dallas | $183 |
Average Cost Of Car Insurance In McKinney – By Vehicle
| Vehicle | Average Monthly Rate |
| 2018 Kia SOUL EV | $94 |
| 2020 Chevrolet Spark | $430 |
| 2021 Buick Envision | $270 |
| 2019 Jeep Cherokee | $297 |
| 2019 Nissan Versa | $190 |
Our Methodology
Based on a detailed analysis that includes customer service ratings, product options, pricing, and reviews from various online sources and user experiences, I've created a thorough overview of car insurance providers in McKinney, TX.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in McKinney?
In McKinney, State Farm provides the lowest car insurance rates for both minimum coverage required by Texas and full coverage, which includes comprehensive and collision insurance.
What is the average cost of car insurance in McKinney?
In McKinney, the average monthly cost of car insurance is approximately $156. Rates can differ based on factors such as your zip code, the year and model of your car, and your driving record.
