Cheap Car Insurance in Mckinney, Texas (With 2021 Rates)

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Lowest Premium

$387 / YEAR

Average Premium

$548 / YEAR

Highest Premium

$758 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Mckinney is around $548 and can go upto $758. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

  • $30,000 coverage for all types of bodily injury suffered by one individual in one accident
  • Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
  • Damage to property or injury to others in one accident is $25,000.
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Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($1,678,264,745)0

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We recommend you to get car insurance quote and compare rates before choosing an insurance plan. People save up to 50% on car insurance by using our comparison shopping.

Car Insurance Rates in Mckinney by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Mckinney. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

ZipAvg. Premium
75069$567
75070$527
75071$551

Insurance Agents in Mckinney, TX and Near by

  • 0 mi
    Benson O I Churchill
    3645 E University Dr, Mckinney, TX 75069
    (972) 542-8484
  • 0 mi
    John T Clark Agency
    310 Industrial Blvd Ste 101, Mckinney, TX 75069
    (972) 547-9755
  • 0 mi
    Charles New
    201 S Mcdonald St Ste B, Mckinney, TX 75069
    (972) 562-7062
  • 0 mi
    Insurance Services Agency
    600 N Mcdonald St, Mckinney, TX 75069
    (972) 548-1199
  • 0 mi
    A & A Insurance Group of Texas
    202 W Louisiana St Ste 106b, Mckinney, TX 75069
    (972) 851-0110
  • 0 mi
    MetLife Auto & Home - McKinney
    207 E Virginia St Ste 207, Mckinney, TX 75069
    (972) 422-0261
  • 0 mi
    Jacqueline Gilliard
    901 N Mcdonald St Ste 610, Mckinney, TX 75069
    (214) 383-1770
  • 0 mi
    Keevin Dailey
    901 N Mcdonald St Ste 610, Mckinney, TX 75069
    (972) 529-2371
  • 0 mi
    Baja Auto Insurance
    1321 N Tennessee St Ste 106, Mckinney, TX 75069
    (469) 314-3025
  • 0 mi
    MetLife Auto & Home - Deborah Martin
    207 E Virginia St Ste 210, Mckinney, TX 75069
    (214) 235-6928
  • 0 mi
    Brandon Farmer
    201 1/2 E Virginia St Ste 4, Mckinney, TX 75069
    (214) 740-2720
  • 0 mi
    David Worley
    201 1/2 E Virginia St Ste 3, Mckinney, TX 75069
    (972) 369-0500
  • 0 mi
    TWFG Insurance Services - Connie Andrews
    201 1/2 E Virginia St Ste 7, Mckinney, TX 75069
    (972) 732-6485
  • 0 mi
    InsureTex Insurance Group
    503 N Kentucky St Ste 7, Mckinney, TX 75069
    (469) 270-0537
  • 0 mi
    Hal L Harbor
    115 W Virginia St Ste 100, Mckinney, TX 75069
    (972) 529-1134
  • 0 mi
    A-Max Auto Insurance
    1703 Coleman St, Mckinney, TX 75069
    (972) 243-9000
  • 0 mi
    Payton Brooks
    106 S Church St Ste 1, Mckinney, TX 75069
    (972) 542-7020
  • 0 mi
    Athena Insurance Group
    400 W Virginia St Ste 300, Mckinney, TX 75069
    (214) 585-0055
  • 0 mi
    Johnny Rutledge
    1002 W University Dr, Mckinney, TX 75069
    (972) 562-1600
  • 0 mi
    Gant Group
    1807 West St, Mckinney, TX 75069
    (214) 544-7230
  • 0 mi
    Cooper Reed
    2035 Central Cir Ste 205, Mckinney, TX 75069
    (972) 832-3486
  • 0 mi
    Kari Heatherly
    1717 W University Dr Ste 407, Mckinney, TX 75069
    (972) 562-9263
  • 0 mi
    Deborah Toney
    1836 W Virginia St, Mckinney, TX 75069
    (972) 562-3345
  • 0 mi
    Richard Scordo Agency
    1836 W Virginia St Ste 203, Mckinney, TX 75069
    (214) 803-6178
  • 0 mi
    Walt Oyler
    2055 W Louisiana St, Mckinney, TX 75069
    (972) 562-6700
  • 0 mi
    Amanda Hightower
    990 S State Highway 5 Ste 105, Mckinney, TX 75069
    (940) 231-7518
  • 5.95 mi
    Vinson Randolph Dansby Agency
    1521 N Custer Rd Ste 2850, Mckinney, TX 75071
    (469) 343-4131
  • 5.95 mi
    Andrew Shull
    500 N Custer Rd Ste 105, Mckinney, TX 75071
    (972) 562-2223
  • 5.95 mi
    Christy Dale
    8901 Virginia Pkwy Ste 700, Mckinney, TX 75071
    (972) 329-4811
  • 5.95 mi
    GlobalGreen - Perfect Choice Insurance Group
    307 South Mcdonald St Ste 102, Mckinney, TX 75071
    (972) 548-0325
  • 5.95 mi
    Rafael Parker - State Farm Insurance
    1330 N Mcdonald St Ste 104, Mckinney, TX 75071
    (469) 742-0007
  • 5.95 mi
    Ruggero Cinquino
    1406 N Mcdonald St Ste G, Mckinney, TX 75071
    (469) 214-7311
  • 5.95 mi
    Mike Hinegardner
    2300 W White Ave Ste 108, Mckinney, TX 75071
    (214) 544-0003
  • 5.95 mi
    Gant Insurance Agency
    2411 Virginia Pkwy Ste 5, Mckinney, TX 75071
    (972) 529-9300
  • 5.95 mi
    Garret B Holubar Agency
    2411 Virginia Pkwy Ste 1, Mckinney, TX 75071
    (214) 504-2675
  • 5.95 mi
    John Griset
    2414 W University Dr Ste 122, Mckinney, TX 75071
    (972) 562-2882
  • 5.95 mi
    Pete Knight
    2414 W University Dr Ste 125-a, Mckinney, TX 75071
    (972) 548-9000
  • 5.95 mi
    Nichols Insurance Services
    2414 W University Dr Ste 125a, Mckinney, TX 75071
    (972) 548-0978
  • 5.95 mi
    Michael Birmingham
    2713 Virginia Pkwy Ste 300, Mckinney, TX 75071
    (214) 491-8880
  • 5.95 mi
    Texas Farm Bureau Insurance
    4009 W University Dr, Mckinney, TX 75071
    (972) 542-5583
  • 5.95 mi
    Dean Morris Insurance Services
    413 Appalachian Way, Mckinney, TX 75071
    (214) 536-2503
  • 5.95 mi
    Travis Trainor
    5080 Virginia Pkwy Ste 300, Mckinney, TX 75071
    (972) 369-1025
  • 5.95 mi
    Marc D. Means
    4685 W University Dr, Mckinney, TX 75071
    (972) 562-2957
  • 5.95 mi
    Frederick Moreno
    6220 Virginia Pkwy Ste 100, Mckinney, TX 75071
    (972) 529-9400
  • 5.95 mi
    Earl Phillips
    6951 Virginia Pkwy Ste 332, Mckinney, TX 75071
    (214) 684-0937
  • 5.95 mi
    John T Clark Agency
    6951 Virginia Pkwy Ste 100, Mckinney, TX 75071
    (972) 547-9755
  • 5.95 mi
    Stan Polk
    6951 Virginia Pkwy Ste 316, Mckinney, TX 75071
    (972) 727-9111
  • 5.95 mi
    Christie Schoonover
    7290 Virginia Pkwy Ste 110, Mckinney, TX 75071
    (214) 544-3276
  • 5.98 mi
    Mauceri-Bynum Insurance
    400 N Central Expy Ste 109, Mckinney, TX 75070
    (214) 733-8400
  • 5.98 mi
    Andrew Harpole
    321 N Central Expy Ste 351, Mckinney, TX 75070
    (469) 333-8686
  • 5.98 mi
    Bayless-Hall Insurance
    321 N Central Expy Ste 103, Mckinney, TX 75070
    (972) 542-1322
  • 5.98 mi
    Throne Insurance & Financial Services
    321 N Central Exwy, Mckinney, TX 75070
    (214) 881-2650
  • 5.98 mi
    Alliance II Insurance Agency
    2150 S Central Expy Ste 200, Mckinney, TX 75070
    (469) 219-3300
  • 5.98 mi
    Powter Insurance
    2150 S Central Expy Ste 280, Mckinney, TX 75070
    (214) 544-1776
  • 5.98 mi
    Long Insurance Group
    2150 S Central Expy Ste 200, Mckinney, TX 75070
    (972) 750-2406
  • 5.98 mi
    Noel Vasquez
    2150 S Central Expy Ste 200, Mckinney, TX 75070
    (469) 525-2469
  • 5.98 mi
    Premier Group Insurance - Nancy Brockman
    2150 S Central Expy Ste 200, Mckinney, TX 75070
    (214) 592-0859
  • 5.98 mi
    Source Insurance Advisors
    2150 S Central Expy Ste 200, Mckinney, TX 75070
    (469) 219-3344
  • 5.98 mi
    TWFG Insurance Services - Priscilla Wertenberger
    2150 S. Central Expy, Mckinney, TX 75070
    (972) 808-7374
  • 5.98 mi
    Frederick Edwards
    2110 Eldorado Pkwy Ste 100, Mckinney, TX 75070
    (972) 562-3133
  • 5.98 mi
    Roger Greene
    2111 W Eldorado Pkwy Ste 101, Mckinney, TX 75070
    (972) 569-9290
  • 5.98 mi
    Dennis Baker
    2570 Eldorado Pkwy Ste 100, Mckinney, TX 75070
    (972) 529-6500
  • 5.98 mi
    LV Insurance Services
    3350 S Central Expwy, Mckinney, TX 75070
    (469) 617-7222
  • 5.98 mi
    Dustin Paine
    3400 Eldorado Pkwy Ste 4, Mckinney, TX 75070
    (972) 387-9217
  • 5.98 mi
    Darrel Wilson
    3201 S Hardin Blvd Ste 210, Mckinney, TX 75070
    (972) 562-9605
  • 5.98 mi
    Higginbotham Insurance Agency
    3651 W Eldorado Pkwy, Mckinney, TX 75070
    (972) 542-4100
  • 5.98 mi
    John Pavle
    4500 Eldorado Pkwy Ste 1050, Mckinney, TX 75070
    (214) 544-3000
  • 5.98 mi
    Liberty Mutual Agency
    4500 W Eldorado Pkwy Ste 3300, Mckinney, TX 75070
    (972) 529-9896
  • 5.98 mi
    Shelia S Saxon
    4900 Eldorado Pkwy Ste 106, Mckinney, TX 75070
    (972) 562-6950
  • 5.98 mi
    Michael Crise
    175 Ridge Rd Ste 600, Mckinney, TX 75070
    (214) 726-0468
  • 5.98 mi
    Michael Johnson
    5005 Mckinney Ranch Pkwy Ste 230, Mckinney, TX 75070
    (972) 540-5448
  • 5.98 mi
    John Edwards
    6150 Eldorado Pkwy Ste 140, Mckinney, TX 75070
    (972) 542-4368
  • 5.98 mi
    Atlantis Financial Group
    6401 Eldorado Pkwy Ste 341, Mckinney, TX 75070
    (972) 984-2449
  • 5.98 mi
    Mix & Match Insurance Brokerage
    6401 Eldorado Pkwy Ste 315, Mckinney, TX 75070
    (469) 296-0116
  • 5.98 mi
    TWFG Insurance Services - Thomas Insurance Group
    6401 Eldorado Pkwy Ste 305, Mckinney, TX 75070
    (800) 501-8455
  • 5.98 mi
    Perret & Associates
    6401 Eldorado Pkwy, Mckinney, TX 75070
    (972) 740-0698
  • 5.98 mi
    Miles Insurance Agency
    6205 Oakmont Dr, Mckinney, TX 75070
    (940) 595-5560
  • 5.98 mi
    James Leaderer
    3128 Hudson Xing Ste G1, Mckinney, TX 75070
    (817) 504-0424
  • 5.98 mi
    Scott Sandlin
    3128 Hudson Xing Bldg G # 1, Mckinney, TX 75070
    (214) 618-8525
  • 5.98 mi
    Duane Schultze
    3120 Hudson Xing Ste A1, Mckinney, TX 75070
    (469) 952-2500
  • 5.98 mi
    Goosehead Insurance - Scott Morris
    5900 S Lake Forest Dr, Mckinney, TX 75070
    (972) 275-9915
  • 5.98 mi
    James Jenkins
    5900 S Lake Forest Dr Ste 300, Mckinney, TX 75070
    (972) 802-2911
  • 5.98 mi
    Steadfast Insurance Agency
    5900 S Lake Forest Dr Ste 300, Mckinney, TX 75070
    (214) 909-2827
  • 5.98 mi
    TWFG Insurance Services - Damon Castillo
    5900 S Lake Forest Dr Ste 300, Mckinney, TX 75070
    (888) 549-2961
  • 5.98 mi
    Jeff Hornberger
    5900 S Lake Forest Dr Ste 300, Mckinney, TX 75070
    (972) 774-0572
  • 5.98 mi
    TWFG Insurance Services - Cheryl Walls
    3900 S Stonebridge Dr Ste 203, Mckinney, TX 75070
    (469) 712-5831
  • 5.98 mi
    TWFG Insurance Services - Steven Howell
    3900 S Stonebridge Dr Ste 203, Mckinney, TX 75070
    (469) 712-5831
  • 5.98 mi
    Lonnie Moore
    8951 Synergy Dr Ste 240, Mckinney, TX 75070
    (469) 222-2610
  • 5.98 mi
    James Flynn
    7850 Collin Mckinney Pkwy Ste 102, Mckinney, TX 75070
    (972) 432-4727
  • 5.98 mi
    Pierce Insurance Group
    7951 Collin Mckinney Pkwy Ste 1200, Mckinney, TX 75070
    (469) 252-8001
  • 5.98 mi
    First United Bank Insurance Solution
    6401 S Custer Rd, Mckinney, TX 75070
    (972) 569-8301
  • 5.98 mi
    Andi Likay
    8951 Collin Mckinney Pkwy Ste 103, Mckinney, TX 75070
    (469) 714-0144
  • 5.98 mi
    Johnny Quinn
    8951 Collin Mckinney Pkwy Ste 601, Mckinney, TX 75070
    (972) 954-3505
  • 5.98 mi
    Sheri Wilson
    8720 Hwy 121 Ste 124, Mckinney, TX 75070
    (469) 998-7494
View all agents ↓

Learn More About Car Insurance in Mckinney, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered24,527,939
Total uninsured motorists14.1%
Estimated economic loss of all vehicle crashes$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

  • Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
  • Collision covers for the expenses on your car caused by accident.
  • Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
  • Medical payments cover your's and your passenger's medical bills
  • Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
  • Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
  • Towing and labor covers for the pay for towing your car and labor cost.
  • Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.