McKinney, TX Car Insurance

The average auto insurance policy costs $116 per month in McKinney. If you're paying too much, compare rates today.

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What's the average cost of car insurance in McKinney?

 

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!

 
CAR INSURANCE RATES IN MCKINNEY
McKinney Average (annual)Texas AverageU.S. Average
$1,402$1,415$1,548
 
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McKinney car insurance premiums by company

 

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.

 
MCKINNEY CAR INSURANCE RATES BY COMPANY
InsurerAverage 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.

 
 

 

McKinney auto insurance rates by age

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.

 
MCKINNEY AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age bracketAverage 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.

 
 

 

McKinney auto insurance premiums by gender and marital status

 

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.

 
MCKINNEY AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.

 
 

 

McKinney car insurance costs by incident history

 

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.

 
MCKINNEY CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/IncidentAverage 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.

 
 

 

McKinney car insurance rates by credit score

 

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.

 
MCKINNEY CAR INSURANCE RATES BY CREDIT SCORE
Credit LevelAverage 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.

 
 

 

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Kristine Lee LinkedIn

Kristine is a licensed insurance agent and one of The Zebra’s in-house content strategists. With a background in copywriting, she covers the ins and outs of the home and car insurance industries. She has contributed to numerous publications focused on the nuances of insurance, including Automoblog, USInsuranceAgents.com, and BestCompany.com.