The average auto insurance policy costs $116 per month in McKinney. If you're paying too much, compare rates today.
The average cost of car insurance in McKinney, Texas, is $1,402 per year. That's cheaper than the statewide average in Texas ($1,810) and less expensive than the national average of $1,548. Our guide to McKinney auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
| McKinney Average (annual) | Texas Average | U.S. Average |
| $1,402 | $1,415 | $1,548 |
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In McKinney, USAA offers the cheapest rates for the average insurance customer. Reference below the top options for affordable insurance in McKinney. Don't forget to get car insurance quotes based on your unique driving profile.
| Insurer | Average Yearly Rate |
| USAA | $1,202 |
| GEICO | $1,235 |
| State Farm | $1,331 |
| Allstate | $2,209 |
Consult our expert guide to finding the best cheap car insurance.
The age bracket that pays the least for auto insurance in McKinney consists of drivers in their 50s, who pay an average of $1,221. Those in their 60s don't pay significantly more ($1,266).
Teenage drivers pay McKinney's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in McKinney is to celebrate your 20th birthday. The difference in rates paid by teenage drivers and drivers in their 20s in McKinney is $1,808, the largest such difference between any two age groups.
| Age bracket | Average Annual Rate |
| Teenagers | $3,636 |
| 20s | $1,828 |
| 30s | $1,380 |
| 40s | $1,343 |
| 50s | $1,221 |
| 60s | $1,266 |
| 70s | $1,565 |
Learn more about the impact of age on car insurance premiums.
Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In McKinney, married motorists pay $87 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in McKinney, single drivers pay more than those who are widowed.
Another component of auto insurance pricing is gender. In McKinney, the gap in car insurance costs between genders is $5 per year, with male drivers paying more than female drivers.
| Marital Status/Gender | Average Yearly Rate |
| Female | $1,397 |
| Male | $1,402 |
| Single | $1,315 |
| Married | $1,315 |
| Divorced | $1,402 |
| Widowed | $1,281 |
Learn more about how gender and marital status have on car insurance rates.
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
McKinney drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $790 per year versus the city average. A ticket for speeding results in a $121 rate hike while a DWI or DUI violation costs $807per year in extra insurance expenditures.
| Violation/Incident | Average Yearly Rate |
| DUI/DWI | $2,209 |
| Reckless Driving | $2,192 |
| At-fault Accident (damages less than $1,000) | $1,785 |
| At-fault Accident (damages greater than $2,000) | $2,131 |
| Speeding Ticket (16-20 mph over speed limit) | $1,523 |
Learn more about how citations can raise your auto insurance rates.
Credit score is often closely correlated with car insurance costs. In fact, McKinney drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 62% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In McKinney, improving your credit to "Fair" could help you earn $1,239 in savings on insurance premiums each year.
| Credit Level | Average Annual Rate |
| Very Poor | $2,993 |
| Fair | $1,754 |
| Good | $1,402 |
| Very Good | $1,299 |
| Exceptional | $1,150 |
Learn more about the relationship between poor credit and car insurance.
