Cheapest Car Insurance In McKinney, TX 2025
In McKinney, Texas Farm Bureau provides the most affordable minimum coverage car insurance at just $36 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of car insurance in McKinney, TX, varies significantly when looking for the cheapest option.
If you’re looking for the cheapest liability-only policy, Texas Farm Bureau comes out on top. For full coverage, AAA Texas has the best rates, while Direct Auto offers the most affordable options for young drivers.
Cheapest Car Insurance Companies In McKinney, TX 2025
Cheapest Full Coverage Insurance Rates In McKinney: AAA Texas
In McKinney, AAA Texas provides the most affordable full coverage car insurance, costing around $112 per month.
Below is a table that lists and compares average auto insurance rates from affordable companies in McKinney.
| Provider | Average Monthly Cost | Average Annual Cost |
| AAA Texas | $112 | $1,344 |
| National General | $126 | $1,512 |
| Allstate | $131 | $1,572 |
| GEICO | $127 | $1,524 |
| State Farm | $114 | $1,368 |
Cheapest Liability-only Car Insurance In McKinney: Texas Farm Bureau
Texas Farm Bureau provides the lowest-priced minimum coverage car insurance in McKinney, costing around $36 a month.
Use the table below to see how different insurance companies stack up on pricing.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $36 | $432 |
| Mercury | $43 | $516 |
| State Farm | $41 | $492 |
| AAA Texas | $57 | $684 |
| Progressive | $56 | $672 |
Cheapest Rates In McKinney For Teenagers: Texas Farm Bureau
Texas Farm Bureau offers the lowest insurance rates for teenage drivers in McKinney, averaging $194 per month.
Below is a table highlighting the most affordable insurers for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $194 | $2,328 |
| State Farm | $425 | $5,100 |
| USAA | $286 | $3,432 |
| Permanent General | $265 | $3,180 |
| Nationwide | $441 | $5,292 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
In McKinney, seniors can find the most affordable car insurance with Direct Auto, which charges an average of $70 per month.
Below is a table comparing average rates from the cheapest auto insurers for senior drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $70 | $840 |
| State Farm | $82 | $984 |
| Texas Farm Bureau | $72 | $864 |
| USAA | $105 | $1,260 |
| Nationwide | $109 | $1,308 |
Cheapest Auto Insurance For Young Adults in McKinney: Direct Auto
Direct Auto provides the most affordable quotes for young adult drivers in McKinney, with an average monthly cost of $82.
Use the table below to find and compare the most affordable car insurance options for young adults in McKinney.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $82 | $984 |
| Texas Farm Bureau | $128 | $1,536 |
| Safe Auto | $137 | $1,644 |
| Mercury | $115 | $1,380 |
| Safeco | $145 | $1,740 |
Cheapest Car Insurance In McKinney For Good Drivers: Texas Farm Bureau
In McKinney, safe drivers can get the cheapest car insurance from Texas Farm Bureau, with rates around $36 a month.
Safe drivers can use the table below to compare average quotes from budget-friendly insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $36 | $432 |
| Mercury | $43 | $516 |
| State Farm | $41 | $492 |
| AAA Texas | $57 | $684 |
| Progressive | $56 | $672 |
Find affordable McKinney rates
Cheapest For Drivers With After At-Fault Accident: State Farm
Drivers with an at-fault incident can find the cheapest insurance from State Farm, with an average monthly cost of $105.
Below are the insurance providers with the most affordable rates for drivers who have caused an accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $105 | $1,260 |
| AAA Texas | $161 | $1,932 |
| Texas Farm Bureau | $122 | $1,464 |
| Mercury | $270 | $3,240 |
| Progressive | $173 | $2,076 |
Cheapest Car Insurance In McKinney After A Speeding Ticket: Texas Farm Bureau
Compared to other insurers in McKinney, Texas Farm Bureau has significantly lower rates, averaging $74 a month for drivers with a speeding violation.
Use the table below to compare average premiums for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| Texas Farm Bureau | $74 | $888 |
| National General | $168 | $2,016 |
| State Farm | $86 | $1,032 |
| Mercury | $192 | $2,304 |
| Progressive | $136 | $1,632 |
Cheapest Rates In McKinney For Drivers After A DUI: Progressive
In McKinney, Progressive has the most affordable insurance rates for drivers after a DUI, with an average cost of $126 per month.
If you have a DUI in McKinney, check the table below for the cheapest insurance options.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $126 | $1,512 |
| National General | $150 | $1,800 |
| Texas Farm Bureau | $144 | $1,728 |
| Mercury | $180 | $2,160 |
| State Farm | $155 | $1,860 |
Best Car Insurance Companies In McKinney
McKinney drivers can get the most affordable coverage from Texas Farm Bureau for $36 a month, with State Farm at $41 and Mercury at $43 as alternative choices.
Below is a ranking of the top 10 auto insurance providers in McKinney, TX, based on their average monthly premiums.
| Company | Monthly Premium |
| Texas Farm Bureau | $36 |
| Mercury | $43 |
| State Farm | $41 |
| AAA Texas | $57 |
| Progressive | $56 |
| National General | $58 |
| Allstate | $72 |
| Safe Auto | $120 |
| Direct Auto | $79 |
| USAA | $146 |
Average Auto Insurance Rates In McKinney – By Age
Car insurance rates are heavily influenced by age. Since younger drivers lack experience and are more prone to accidents, they tend to pay higher premiums. Teen drivers, for example, spend around $3,170 annually on insurance.
At age 25, drivers often see lower insurance premiums, as long as they keep a good driving record.
The best insurance rates are typically available to drivers in their 50s and early 60s, as insurers use age to gauge risk and driving history.
| Age | Average Yearly Rate |
| Teenagers | $3,170 |
| 20s | $2,753 |
| 30s | $1,775 |
| 40s | $1,743 |
| 50s | $1,726 |
| 60s | $1,238 |
| 70s | $1,771 |
Average Rates In McKinney – By Vehicle
Your car’s make, model, and age play a big role in your insurance costs. Luxury cars and newer models with advanced features usually come with higher premiums.
Use the table below to compare insurance costs for different vehicle types in McKinney.
| Vehicle | Average Monthly Rate |
| Kia Sportage | $295 |
| Hummer H3 | $200 |
| Hyundai Kona | $480 |
| Toyota Camry | $242 |
| Lexus UX | $285 |
Average Cost Of Auto Insurance In McKinney – By Zip Code
Since crime rates differ by zip code, insurers adjust car insurance premiums accordingly.
Use the table below to compare insurance costs across different zip codes in McKinney.
| City | Average Monthly Rate |
| 75071 | $160 |
| 75069 | $143 |
| 75070 | $190 |
How Much Is Car Insurance In Other Cities in Texas?
Your location plays a major role in determining your car insurance rates. Urban areas, with more accidents, theft, and vandalism, often have higher insurance costs.
Car insurance costs vary by city—Houston drivers pay around $196 a month, while in Amarillo, the average is $145.
| City | Average Monthly Rate |
| Amarillo | $145 |
| Irving | $179 |
| Arlington | $176 |
| Houston | $196 |
| Austin | $162 |
| Fort Worth | $155 |
| Beaumont | $170 |
| El Paso | $173 |
| Corpus Christi | $167 |
| Dallas | $183 |
Find affordable McKinney rates
Our Methodology
Based on an in-depth review of customer satisfaction, pricing, coverage options, and online feedback, I’ve created a comprehensive guide to car insurance companies in McKinney, TX.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in McKinney?
Texas Farm Bureau provides the lowest-priced minimum coverage in McKinney, whereas AAA Texas has the best rates for full coverage, which includes comprehensive and collision.
What is the average cost of car insurance in McKinney?
Car insurance in McKinney typically costs about $170 per month, but rates fluctuate based on your location, car details, and driving record.
