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McKinney, Texas, is a city with surprises and fun things to explore. The Heard Natural Science Museum & Wildlife Sanctuary is one of the coolest places here. It's a special spot to learn about nature and see some amazing animals. Chestnut Square Historic Village is like a journey back in time for those who enjoy history. You can walk through old buildings and discover how people lived long ago.
When you drive in McKinney, having car insurance that you can rely on is like having a financially secured net for your vehicle. It helps you feel protected as you travel around this lively city. Whether you're strolling around the historic downtown, spending time at Towne Lake Recreation Area, or learning at the Heard Museum, having reliable car insurance at your disposal ensures that you can enjoy McKinney without any hassle.
Let CINCO Auto Insurance be your reliable partner in ensuring that you have a secure and safe journey as you explore this beautiful city. Reach out to us and get a quote today!
Quick Facts About the Auto Insurance in Mckinney:
- McKinney residents are known for their commitment to safe driving, resulting in lower auto insurance rates for those with clean records.
- McKinney's workforce is approximately 94,000 individuals, contributing to the local economy.
How much does Auto Insurance in Mckinney Cost?
Finding affordable auto insurance in Mckinney is quite accessible and easy. For basic liability coverage, McKinney residents typically pay around $102 monthly. If you're looking for more extensive coverage, it averages about $192 per month. Compared to the rest of Texas, McKinney drivers enjoy a 3% savings on insurance costs. This means securing affordable auto insurance in McKinney is practical and provides valuable coverage for drivers in the area.
Auto Insurance Costs by Zip Code in McKinney:
When it comes to getting auto coverage in McKinney, your area of residence should be factored in when you think about getting the insurance. The number of cars and incidents of accidents can have an impact. It is imperative to take this into account while choosing the right auto insurance coverage that works for you and keeps your vehicle safe.
| Zip Code | Average Monthly Quote (Liability) |
| 75070 | $93 |
| 75071 | $105 |
| 75072 | $87 |
Car Insurance Rates by Age in Mckinney:
In McKinney, Texas, how old you are can dictate how much you pay for insurance. If you're just starting to drive, it costs more because there's a bigger chance of getting into accidents with other vehicles. But if you're older and have driven more, insurance costs would be lower because there's a lesser chance of you getting into accidents or traffic problems.
At
CINCO Auto Insurance,
we think everyone should be able to afford insurance, no matter what's going on or what their situation is. We talk to our customers to find a good and budget-friendly price for them.
Here are the average monthly amounts people pay for insurance in McKinney, Texas, based on age.
Driving Conditions in Mckinney:
How many accidents occur in McKinney?
In the year 2021, McKinney saw six significant accidents involving a total of six vehicles, resulting in six unfortunate fatalities. Surprisingly, none of these accidents involved drunk driving. These incidents impacted a total of 23 individuals, including one pedestrian. At CINCO Auto Insurance, we emphasize the importance of safeguarding yourself and your loved ones on the road. Discover how our tailored insurance plans can provide you with the protection and peace of mind you deserve.
What are the traffic conditions in McKinney?
In McKinney, people spend about 35 hours each year stuck in traffic. This means they lose more than $800 because they can't work or they use more gas. Some of the roads need fixing to make driving better. But, there are plans to make traffic smoother and roads better. As more people move to McKinney, keeping traffic moving well is important so everyone can save time and money while driving.
Minimum Car Insurance Requirements in McKinney:
In McKinney, Texas, you need to have a type of insurance called Liability coverage. It is commonly known as the "30/60/25"plan. Here are the minimal coverages you must have according to the State Guidelines:
- $30,000 for each person's Bodily Injury Liability (BI).
- $60,000 for Bodily Injury Liability (BI) in total for one accident.
- $25,000 for Property Damage Liability (PD).
So, if there's an accident, your insurance will pay up to $60,000 for injuries but no more than $30,000 for one person. It also covers up to $25,000 for property damage. Unless you decline it in writing, you must get at least $2,500 in Personal Injury Protection (PIP) insurance.
Major Discounts for Automobile Insurance in McKinney:
The easiest way to save money is by opting for discounts CINCO Auto Insurance offers its customers a wide range of discounts because we aim to make car insurance accessible to everybody. We provide a few major discounts to make our insurance convenient, which are listed below.
| Military discounts | Renewal Discounts | Continuous insurance discounts |
| Multi-policy Discounts | Marriage Discount | Loyalty discounts |
| Multi-car Discounts | Bundling Discounts | Accident-free Discount |
| Costco Discount | Defensive Driving Course Discount | Teen Drivers |
| Lien Holder Discount | Senior Drivers, | Bundling Policies |
| Good driver Discounts | Paid-in-Full | Automatic Payments |
Penalties for Traffic Violations/Offenses in McKinney:
In McKinney, having proof of insurance while driving is important. If a police officer pulls you over, they'll ask for your driver's license, Texas vehicle registration, and documents showing you have adequate Vehicle Insurance in McKinney.
Fines for those caught driving in Texas without insurance for the first time could range from $175 to $350. However, if it is a recurring problem, the fines may go up to between $350 and $1000. Remember, breaking these rules can also result in paying much higher insurance costs. Here's a list of violations and how they could impact your insurance premiums. Stay safe and insured on the roads of McKinney!
| Violation | Premium Increase After Infraction |
| Red Light Infraction | 23% |
| Speeding Ticket | 27% |
| Reckless Driving Infraction | 98% |
| Suspended Driver’s License Infraction | 104% |
| DUI | 107% |
Major Amenities in McKinney:
McKinney, Texas, is a city that's all about making life easy for its folks. If you need to handle anything with your driver's license, just swing by the McKinney Driver License Office on South McDonald Street. There's another one right on West University Drive. They're both there to lend a hand when you need it.
When it comes to books and enjoyable learning, McKinney has some awesome libraries. The Roy and Helen Hall Memorial Library and the John and Judy Gay Library are like treasure chests of knowledge right in your city.
And for taxes, McKinney's got you covered. The McKinney and Collin County Tax Office is close by, ready to help you with all your essential grown-up documentation.
Having all of these important places nearby makes McKinney a super easy and fun place to live. It means you can take care of all crucial things without much fuss. That's why McKinney is such a great city for everybody to visit and explore too!
From License Renewals to Title Transfers, We've Got You Covered; Discover the top 4 DMV offices near your town!
| DMV Office | Address | Contact Number | Official Website |
| McKinney Driver License Office | 400 Power House St., McKinney, TX 75071 | 1 214-733-5350 | Link |
| Collin County Registration & Titling | 2300 Bloomdale Road Suite 2302, McKinney, TX 75070 | 1 972-547-5014 | Link |
| Fannin County Registration & Titling - Honey Grove | 633 N. 6th, Honey Grove, TX 75446 | (903) 583-7493 | Link |
| Collin County Registration & Titling - Plano Office | 900 East Park Blvd., Suite 100, Plano, TX 75074 | 1 972-881-3014 | Link |
Get a Quote for Car Insurance in McKinney Right Away!
Being a responsible driver demands more than just hitting the road - it includes taking care of yourself and your vehicle side by side. At CINCO Auto Insurance, we realize the great importance of safety alongside stability. We provide Affordable Auto Insurance in McKinney at the most suitable rates!
Let CINCO Auto Insurance be your guiding light toward a reliable car insurance policy . Receive a quote online, call us at 855-336-8555, or email your query to startsaving@cincoautoinsurance.com.