McKinney is a Texas suburb and city with its own character. It is home to more than 199,000 residents . Auto insurance is required to legally drive as a resident. Fortunately, McKinney can help you find the best auto insurance while staying within your budget. McKinney’s average annual cost for a full-coverage policy is $1,792, while the average annual cost of a minimum policy is $571.
Quadrant Information Services was used by Bankrate to evaluate 2021 drivers’ rates in McKinney. They found several carriers that were worth considering. To determine the best McKinney car insurance, Texas, we looked at not only rates but also customer satisfaction, financial strength, and other factors.
McKinney’s best car insurance companies
McKinney’s best car insurance companies combine low rates with many coverage options, high customer service ratings and discounts. This criteria was used by Bankrate to identify the best carriers in each category.
USAA
USAA may be a good option for veterans and current military personnel who want to receive exceptional customer service and competitive rates. USAA ranks highest among all the carriers in 2020 J.D. The USAA scored an impressive 878 points out of 1000 in the Texas Power Survey. USAA offers many discounts to its members, including multi-policy savings and accident forgiveness.
Geico
Geico started offering coverage to federal employees more than 75 years ago and continues to offer it to millions of drivers across the country. Geico has one of the highest scores on the J.D. Geico also has a Power survey and offers discounts as well as payment options to fit your budget. You can find convenience with the website, customer support representatives, and a highly-rated app that puts all the functionality of the site at your fingertips.
All over the country
The 2020 J.D. may show Nationwide as a lower industry average. Although Nationwide may not be ranked as high as the industry average with 2020 J.D. Nationwide has a wide range of coverage options. These include standard, gap, and towing, as well as rental car reimbursement. There are many discounts available, including safe driver and accident-free savings.
Allstate
McKinney drivers may find Allstate’s competitive rates attractive. They also have access to a wide variety of discounts assistance. Discounts such as early signing, new car, full payment, bundling, and other incentives can help drivers save money. After you have locked in your discounts, the Allstate mobile app allows you to manage your policy with just a touch. You can make changes to the policy, pay your bills, and summon roadside assistance all within minutes.
McKinney has the lowest car insurance
McKinney ‘s average car insurance cost is $571 annually for a minimum coverage policy and $1,792 for a full coverage policy. This is lower than the overall Texas’s average of $1,823 for full coverage.
Below is a table that highlights five carriers offering exceptional rates and other benefits. USAA, for instance, has the lowest rates according to the Bankrate review. However, it also provides convenient digital assets such as online policy management and an app with many features. Each of the five listed carriers are given an A+ Superior or higher rating by AM Best, which demonstrates their financial strength.
McKinney insurance requirements
Texas requires that drivers have minimum amounts of auto coverage in order to legally drive. This includes 30/60/25 liability.
- $30,000 per person for injuries
- $60,000 per accident
- $25,000 for property damage
This is not the only thing you should be considering. You can increase your financial protection in the event of an accident or damage to your vehicle by adding additional coverage to your policy. If you finance or lease your vehicle, lenders will likely require that you purchase collision and comprehensive coverage. Maybe even gap insurance, until you pay off the vehicle.
McKinney car insurance discounts
There are many ways to get the lowest car insurance in McKinney. Carriers use discounts to reduce their premium costs.
- Multi-policy: Bundling auto insurance policies with the same company that you buy homeowners or renters insurance may help you save premiums.
- Defensive driver: You may be eligible to receive additional discounts if you take a defensive driving course.
- Affiliation/military: If you belong to certain alumni or charitable organizations, there may be a discount readily available. This applies even if you’re a veteran of active duty military personnel.
- Safe driver: Connecting to a telematics app or device while driving could save you significant premiums. Many carriers collect your feedback and offer discounts to you.
While discounts are an effective way to save money, there are other ways you can save on McKinney car insurance. One way to increase your deductible is to add collision and comprehensive coverage. You can also get quotes from multiple carriers to determine which one offers the best coverage and savings.
Questions frequently asked
Which is the best auto insurance company?
A careful evaluation of multiple factors such as coverage options, discounts and other factors is the best way to determine which best auto insurance company. It is important to consider what is most important for you. You may have different priorities than others. Bankrate reviewed many carriers and found that companies such as Amica, USAA, and Geico are highly-rated.
What is the cost of McKinney car insurance?
McKinney’s average car insurance cost is $571 annually for minimum coverage and $1,792 for full coverage. It is important to compare rates across multiple carriers in order to get an accurate rate. Each carrier has different coverages.