Find Cheap Car Insurance Quotes in Mckinney, Texas (Jul 2024)

McKinney drivers pay slightly more than the average in Texas, but you could save even more by shopping around for quotes.
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Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Sarah Gray, Licensed Insurance Agent — Expert Insurance Writer and Editor
Situated on the northern outskirts of the Dallas Fort Worth Metroplex, McKinney boasts a convenient location in central
. But given the sprawling nature of the DFW area, owning a car is likely a necessity for McKinney residents to navigate the region effectively.
Car insurance
rates in McKinney are slightly higher than in other parts of Texas. The average cost of car insurance in McKinney is $99 a month, compared to the average cost for Texas, which is $97.

How to find affordable car insurance in McKinney, TX

Even though car insurance premiums in McKinney are a little higher than the state average, you still may be able to save on your auto insurance. Here are some of the easiest ways to save:
McKinney Cheap Car Insurance
Take advantage of discounts
Insurers offer a variety of
car insurance discounts
to customers, so make sure you’re enrolled in any that you qualify for. Some popular discounts include avoiding accidents, enrolling in autopay, or having certain safety features in your vehicle. Some insurers also allow you to bundle an auto policy with homeowners insurance, renters insurance, or a life insurance policy for more savings.
Shop with a car insurance broker
can compare rates from many different insurance companies, which can increase the chances that you’ll find one that offers you lower rates than the others.
Keep a clean record
You’ll pay lower car insurance costs if you avoid speeding tickets, accidents, or insurance claims—so practice safe driving every time you get behind the wheel.
Stick with an affordable vehicle
The value of your vehicle impacts your insurance prices, so when you’re car shopping, consider skipping higher trims—especially if the upgrades are mainly aesthetic.

Average cost of car insurance in McKinney, TX

Here’s a breakdown of what McKinney drivers pay on average for minimum liability and full coverage car insurance:
State Minimum Coverage (per month)
Full Coverage Car Insurance (per month)
United States

The best car insurance companies in McKinney, TX


Jerry score: 4.1 stars
AM Best rating: A++
Customers in the Dallas area pick GEICO for their customizable policies, variety of discounts, and generally low rates. 
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Jerry score: 4.2 stars
AM Best rating: A+
Progressive customers in McKinney and the larger DFW Metroplex praise Progressive for their low prices, simple claims process, and excellent customer service.
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Jerry score: 4.2 stars
AM Best rating: B-
Kemper was founded in 1990, and in the time since, they’ve gained a following for their low prices—especially to drivers with claims or violations on record.
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Bristol West

Jerry score: 4.4 stars
AM Best rating: A
Bristol West is a member of the Farmers Insurance group, and they specialize in providing coverage to high-risk drivers.
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State Farm

Jerry score: 4 stars
AM Best rating: A++
State Farm is the largest insurance provider in the US, and they’re particularly well known for their excellent customer service. They may also offer competitively low rates to young drivers in McKinney.
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Car insurance rates are on the rise nationwide, and McKinney is no exception. Here’s how car insurance costs changed from 2021 to 2023 for a few different age groups:

Average annual cost of car insurance in McKinney, TX by age

Interestingly, average auto insurance rates in McKinney dropped slightly for drivers between the ages of 18 and 25—but the overall cost of car insurance is highest for this age group, even with a drop.                                                  

What is the minimum car insurance required in Texas?

The state of Texas requires all drivers to carry at least the following amounts of liability insurance coverage:
  • $30,000 of bodily injury liability per person
  • $60,000 of bodily injury liability per accident
  • $25,000 of property damage liability per accident
Most insurance experts recommend raising your liability limits to $100,000 per person and $300,000 per accident of bodily injury liability and $100,000 of property damage liability. That might sound like a lot, but it could be valuable protection if you’re at fault in a serious accident—and increasing your liability coverage usually only costs a few extra dollars a month.
Texas car insurance companies are required to offer uninsured/underinsured motorist coverage (UM/UIM) and $2,500 of personal injury protection (PIP)—but drivers can decline this coverage if they don’t want it.

Liability vs. full coverage: Which should you get in McKinney, TX?

The average cost of car insurance in McKinney is $55 a month if you buy state-minimum liability insurance, or $99 if you buy a policy that includes full coverage. 
Full coverage insurance includes:
  • Collision coverage
    : Pays to repair or replace your car after a collision with another vehicle or a single-car accident where your car flips, falls, or hits an object. 
  • Comprehensive coverage
    : Pays to repair or replace your car if it’s stolen ordamaged by vandalism, or if it’s damaged by severe weather, natural disasters, falling objects, or a collision with an animal.
Despite the slightly higher upfront cost, full coverage car insurance can be a wiser investment than minimum liability car insurance. Firstly, full coverage provides comprehensive protection for your vehicle, including damages from accidents, theft, and natural disasters. Liability coverage will not cover damage to your own vehicle.
Secondly, when you purchase a full coverage car insurance policy, you can customize it by adding optional insurance products like uninsured motorist coverage or roadside assistance.
If you’re leasing or financing your vehicle, your lender will likely require you to carry full coverage.

Optional add-on auto insurance coverage

  • Uninsured/underinsured motorist coverage:
    This coverage option will help protect you if you’re in an accident with a driver who doesn’t have insurance or whose liability limits aren’t enough to cover all of your damages.
  • Personal injury protection (PIP):
    PIP helps cover medical expenses, lost wages, and other costs resulting from injuries sustained in an accident. It pays out quickly, covers you and any passengers in your car, and applies regardless of who caused the accident.
  • Medical payments coverage (MedPay)
    : MedPay is similar to PIP, but it’s more limited coverage—it helps pay for medical bills for yourself and your passengers after an accident. 
  • Roadside assistance: Also called
    towing and labor coverage
    , roadside assistance will come to your aid for minor roadside emergencies, like if you need a tow, your battery dies, you run out of gas, or you lock your keys in your car.

Penalties for driving without insurance in McKinney

In Texas, there can be serious consequences if you’re caught
driving without car insurance
—and the penalties increase with repeated offenses. 
First offense:
  • Fine: $175–$350
Second and subsequent offenses:
  • Fine: $350 to $1,000
  • Surcharge added to your license renewal: $250 a year for three years
  • Your vehicle could be impounded for up to 180 days. You may have to pay a $15/day fee to retrieve your car.
  • Your driver’s license could be suspended
You could face additional consequences, as well:
  • If you cause an accident without insurance, you’ll be responsible for all of the damages and medical bills, and you could face a lawsuit.
  • Allowing your insurance to lapse will cause your rates to be much higher when you purchase a new auto insurance policy.
Before 2019, if you were found to be driving without insurance in Texas, you had to pay a $250 surcharge each year for three years, assessed when you renewed your license. However, this law—the Driver Responsibility Program—has since been repealed.

What affects the cost of car insurance in McKinney, TX?

Your car insurance rates are as individual as you are. That’s because car insurance providers base your rates on a complex combination of factors, including your age, vehicle, driving history, and more.


In general, drivers who are between the ages of 25 and 65 can expect to pay the lowest prices on their car insurance. 
Age group
Average monthly cost of minimum liability insurance in McKinney, TX
Average monthly cost of full coverage insurance in McKinney, TX

Housing situation

Data shows that McKinney homeowners pay a lower price on average for their car insurance. That’s because many insurance companies offer lower rates to people who own a home. 
Own or rent
Average monthly cost of insurance in McKinney, TX
Whether you own your home or rent, check with your insurance agent or broker to see if you can combine your homeowners insurance or renters insurance with your auto policy.


What you drive can have a big impact on how much you pay for car insurance. After all, it costs a lot less to repair or replace an old farm truck than a brand-new luxury car equipped with all the options. 
In the table below, we’re breaking down the average insurance costs for the top 5 most popular vehicles in Texas, according to
Average monthly cost of liability-only insurance
Average monthly cost of full coverage insurance


If you live in an area with higher crime, you’re at a higher risk of having your vehicle stolen or vandalized—and as a result, insurance companies will raise your premiums.

ZIP codes 

Here’s about what you can expect to pay for auto insurance in McKinney based on your ZIP code.
ZIP codeAverage monthly cost of car insurance

Driving record

It’s probably no surprise that your driving record can have an outsized impact on your auto insurance premiums. Here are some common violations and how they might impact your McKinney car insurance costs: 
ViolationAverage monthly cost of car insurance in Mckinney
Eluding Police$235
Racing/Drag Racing$228
Wrong Way/Wrong Lane$214
Illegal Turn$209
Careless Driving$209

SR-22 insurance in McKinney, TX

Some violations—like getting a DUI or DWI—will lead to a
Texas SR-22 requirement
. An SR-22 is a certificate that your insurer files with the state that verifies you’re carrying at least the state minimum liability insurance.
If you have an SR-22 requirement, you’ll pay higher-than-average insurance costs—although this is more a result of your initial violation than the SR-22 itself. To find the most affordable McKinney SR-22 insurance, check with non-standard insurance companies that specialize in insuring high-risk drivers.


Who has the cheapest car insurance in Texas?

There’s no single car insurance company that will provide the lowest rates to all drivers in Texas. To find the best price, request free quotes from at least 3–5 insurers.

How much is car insurance in Texas per month?

The average cost of car insurance in Texas is $90. That breaks down to around $55 a month for minimum liability coverage and $130 a month for full coverage.

Who is known for the cheapest car insurance?

Large insurers like Progressive, GEICO, and State Farm are known for offering cheap car insurance services—but some drivers may find that a smaller company can offer them the most competitive rates.


All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states. 
Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle. 
Minimum coverage refers to policies with the following coverage limits: 
  • $30,000 per person and $60,000 per accident of bodily injury liability
  • $25,000 of property damage liability
Full coverage refers to policies that contain at least the minimum liability required by law in Texas, along with comprehensive and collision insurance with deductibles of either $500 or $1,000. 

Meet our experts

Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media,, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Sarah Gray
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Licensed Insurance Agent — Expert Insurance Writer and Editor
Sarah Gray is an insurance writer with nearly a decade of experience in publishing and writing. Sarah specializes in writing articles that educate car owners and buyers on the full scope of car ownership—from shopping for and buying a new car to scrapping one that’s breathed its last and everything in between. Sarah has authored over 1,500 articles for Jerry on topics ranging from first-time buyer programs to how to get a salvage title for a totaled car.
Prior to joining Jerry, Sarah was a full-time professor of English literature and composition with multiple academic writing publications.
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.