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Cheap Car Insurance in McKinney, Texas

Research cheap car insurance in McKinney, a city that is part of the DFW metroplex – but with one of the oldest authentic downtown districts in Texas. Just north of Dallas, McKinney is home to an estimated 162,898 residents and growing. Once a bedroom community of Dallas-Fort Worth, McKinney is now the 19th largest city in Texas with its own wildlife sanctuary, quaint downtown, winery and the Franconia Brewing Co. McKinney is the seat of Collin County, which also contains a small portion of the City of Dallas.

Driving Conditions in McKinney

Recent studies rank commutes in the Dallas-Fort Worth area as among the worst in the U.S., mostly attributed to great distances D-FW residents are willing to commute from home to work.

U.S. Highway 75 bisects McKinney and runs southward through Plano, Richardson and into downtown Dallas about 37 miles away. U.S. Highway 380 is McKinney’s main east-west corridor, giving drivers direct access to the north end of the Dallas North Tollway or heading westward to Denton. McKinney’s average commute time of 26.8 minutes is only about a minute longer than the national average, and on par with the Dallas-Fort worth metro average commute times. Traffic information, cameras, accidents and construction updates can be accessed at daltrans.org.

Unique Laws in McKinney

McKinney this year passed an ordinance allowing restaurants with patios to allow owners to bring in their dogs, provided the restaurant obtains the proper waiver.

Meanwhile in the rest of Texas, adults can legally ride in the back of a truck, according to state laws, and there are exceptions for children riding in truck beds — one being if the truck is the family’s only vehicle. After an auto accident, there is a two-year statute of limitations on filing a lawsuit for personal injury or property damage.

McKinney Crime Statistics

The overall crime rates in McKinney are lower than nearly 50 percent of other Texas cities, according to the site Neighborhood Scout, and nearly 40 percent below the national average. The city did experience six murders in 2016, compared to three the prior year, and robberies climbed 14 percent in the same time period, according to McKinney Police Department records.

Burglaries, however, fell by 26 percent between 2015 and 2016. The city reported 131 incidences of auto theft in 2016, about a 7 percent increase from the prior year and a rate of about 176 incidents per 100,000 people. The national average is 220 incidents per 100,000 people and the D-FW average is 268 incidents per 100,000.

McKinney Safety Requirements

Seat belts are mandatory for all drivers and front-seat passengers and for minors whether in the front or rear seats, Texas law states. Fines and court costs of up to $200 can result for not buckling up. After age 4 or 40 pounds, children may graduate from required safety seats to a booster system. A statewide ban on texting while driving went into effect in September 2017, although quite a few D-FW cities (not McKinney, however) already had ordinances in place.

McKinney Impaired Driving Laws

According to state laws, a person is legally intoxicated and may be arrested and charged with Driving While Intoxicated with a .08 BAC (blood or breath alcohol concentration) in Texas. However, a driver can also be deemed intoxicated if impaired due to alcohol or other drugs regardless of BAC. Both drivers and passengers also can be fined $500 for having an open alcohol container in a car. First offenders face a fine of up to $2,000, three to 180 days in jail, loss of driver’s license for up to 2 years and an annual fee of up to $2,000 for three years to retain a driver’s license. Charges are enhanced if there is a passenger younger than 15 in the car. Regardless of your driving history, you can find cheap care insurance in McKinney, Texas; contact us for rate comparisons.

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  • Eggar Insurance Services Inc: Allstate Insurance

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    Justin Eggar

    Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance


    What makes your specific agency stand out from your competition?

    Allstate agent justin eggar serving mckinney, tx is committed to helping you find the best quote for your auto insurance, car insurance, motorcycle insurance, recreational vehicles insurance, boat insurance. Meet one of our insurance agents to get a quick insurance quote.


    • Discount and Special Program offered Safe Driver Multi Line Discount Smart Driver Student Driver Good Driver Accident Free

    • License Type

      Insurance License

    • License Number

      12345

    6800 Weiskopf Ave Ste 150
    Mckinney, TX 75070

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  • Allstate Insurance: John Pavle

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    John Pavle

    Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance


    What makes your specific agency stand out from your competition?

    Allstate agent john pavle serving mckinney, tx is committed to helping you find the best quote for your auto insurance, car insurance, motorcycle insurance, recreational vehicles insurance, boat insurance. Meet one of our insurance agents to get a quick insurance quote.


    • Discount and Special Program offered Safe Driver Multi Line Discount Smart Driver Student Driver Good Driver Accident Free

    • License Type

      Insurance License

    • License Number

      12345

    4500 Eldorado Pkwy
    Mckinney, TX 75070

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  • Allstate Insurance: Andrew Harpole

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    Andrew Harpole

    Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance


    What makes your specific agency stand out from your competition?

    Allstate agent adam pisani serving houston, tx is committed to helping you find the best quote for your auto insurance, car insurance, motorcycle insurance, recreational vehicles insurance, boat insurance. Meet one of our insurance agents to get a quick insurance quote.


    • Discount and Special Program offered Multi Line Discount Accident Free Good Driver Student Driver Smart Driver Safe Driver

    • License Type

      Insurance License

    • License Number

      12345

    7200 W University Dr Ste 275
    Mckinney, TX 75071

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  • Allstate Insurance: Andrew Harpole

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    Andrew Harpole

    Insurance agency, home insurance, auto insurance, car insurance, life insurance, motorcycle insurance, recreational vehicles insurance, boat insurance, renters insurance, business insurance


    What makes your specific agency stand out from your competition?

    Allstate agent andrew harpole serving mckinney, tx is committed to helping you find the best quote for your auto insurance, car insurance, motorcycle insurance, recreational vehicles insurance, boat insurance. Meet one of our insurance agents to get a quick insurance quote.


    • Discount and Special Program offered Safe Driver Multi Line Discount Smart Driver Student Driver Good Driver Accident Free

    • License Type

      Insurance License

    • License Number

      12345

    321 N Central Expy Suite 351
    Mckinney, TX 75070

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  • Andrew Shull - State Farm Insurance Agent

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    Andrew Shull

    Proud state farm agent of collin county. Call or stop by today for a fast and accurate insurance quote! We strive to make your life easier.


    What makes your specific agency stand out from your competition?

    The andrew shull state farm team is proud to serve the mckinney, tx area with insurance and financial services. Contact our office today for an insurance review to see where we can help get great value on car insurance, auto insurance, and more. We would love the opportunity to earn your business.


    • Discount and Special Program offered Multi-line Discounts

    • License Type

      License

    • License Number

      TX-2007876

    500 N Custer Rd Ste 105
    Mckinney, TX 75071

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  • Pierce Insurance Group

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    Mike Pierce

    Pierce insurance group, mckinney tx, your trusted independent insurance agency where relationships matter most.


    What makes your specific agency stand out from your competition?

    Instead of requesting an online quote and then getting several emails and probably several more phone calls from different agencies or companies, we do the work for you. We can shop all the major carriers and find the one that fits best for you, and you’ll only have to talk to us. Doesn’t get easier than that!

    pierce insurance group is a full service insurance broker. As an independent agency we can access over forty top-rated companies for all your insurance needs. We can find you the best rates for any kind of car insurance. We pride ourselves in our ability to follow through and create a good experience for our customers. Give us a call today.


    • Discount and Special Program offered Safe Driver

    • License Type

      Property & Casualty

    • License Number

      1711037

    7951 Collin Mckinney Pkwy #1200
    Mckinney, TX 75070

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  • Albert Mauceri Bynum Agency

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    Al Mauceri

    Largest insurance agency in mckinney


    400 North Central Expressway, Ste109
    McKinney, TX 75070

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  • John Rodrian

    5100 Eldorado Pkwy Ste 101
    McKinney, TX 75070

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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