How to Save on Car Insurance in McKinney, TX

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The average cost of auto insurance in McKinney is $2,040 and ranges from $1,460 to $3,320. It is imperative for car owners to compare multiple car insurance quotes before arriving at one that best suits their coverage needs. In McKinney, car owners can save up to $820 by comparing different insurance quotes from multiple car insurance companies. The cost of auto insurance in McKinney is much higher than the average cost of auto insurance in the state of Texas, as well as neighboring places such as Savannah, Hackberry, and Little Elm.

Hybrids and Electric Vehicles:

Zimlon found that Farmers and Travelers are among the few companies that offer discounts on alternative-fuel vehicles. Hybrids and Electric Vehicles are considered environmentally friendly thanks to lower emission rates. For such vehicles, Farmers offers car owners discounts of up to 5% in some states. 

Multi-Car Insurance:

Car owners in McKinney can save more by insuring their vehicles with the same auto insurance company. Insurers offer discounts on multi-car insurance policies. Bundling is another way of saving more on auto insurance. Car owners can insure their life, auto, and home insurance with the same insurer in order to get added benefits.

The cost of insuring two cars under a multi-car insurance policy in McKinney is $3,876. This is much higher than the cost of the same in neighboring places such as Frisco and Parker. It is also higher than the average cost of multi-car insurance in the state of Texas.


Deductibles are one of the most common factors affecting the cost of auto insurance. Opting for a higher deductible will help in improving savings. For instance, in McKinney, the cost of auto insurance for a Honda Accord LX on a high deductible ($1,000) is $2,220, while it is $2,390 for a lower deductible ($500).

Driving Record:

Most car insurance companies offer substantial discounts to drivers with a clean driving record. GEICO offers a 26% discount to drivers with a spotless driving record for five years. On the other hand, State Farm offers discounts when a driver goes three or more years with an accident-free record. With the advent of modern technology in the car insurance industry, Usage-Based Insurance (UBI) is increasingly being used to personalize car insurance. UBI works through both plugin devices and mobile apps. It keeps track of various factors in one’s car, making insurance rates more personalized.  

The cost of auto insurance in McKinney, post-DUI, increases to $3,794. But, this is also dependent on the age of the driver. The cost of auto insurance post-DUI for teenagers is much higher. In McKinney, the cost of insurance post-DUI for male teenagers is $8,650, and for women, it is $7,246. Safe and good drivers will find it easier to lower the cost of auto insurance in McKinney. Other violations that can have a long-term impact on auto insurance in McKinney include driving with an expired license and running a red light.