McKinney, TX
Auto and home insurance in McKinney, Texas
Commute, vehicle, and housing data for McKinney, plus what it means for your auto and homeowners quotes. A quote is not a binder.
Two numbers frame insurance in McKinney: 64% of households are homeowners, and 65% of commuters drive alone. With a population near 227,526, that adds up to a lot of households insuring a house and at least one vehicle.
McKinney driving profile
| Measure | McKinney | Texas |
|---|---|---|
| Drive alone to work | 65% | 71% |
| Carpool | 7% | 10% |
| Work from home | 24% | 14% |
| Commute of 45 minutes or more | 19% | 17% |
| Commute under 15 minutes | 21% | 25% |
| Households with no vehicle | 3% | 5% |
| Households with 3 or more vehicles | 17% | 22% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Long commutes are longer in McKinney than statewide: 19% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Remote work is common here: 24% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
In McKinney, 3% of households live without a car while 17% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Home values and housing age in McKinney
The median owner-occupied home in McKinney is valued at $471,800, and half of the city's homes were built before 2007. The Texas median value is $283,800. Your dwelling limit should match rebuild cost, which can differ from market value.
NAIC data for 2023 show Texas HO-3 policyholders with $450,000–$499,999 of dwelling coverage paying an average of $3,180; the all-amounts state average was $2,864.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Texas auto minimums that apply in McKinney
Texas requires liability limits of at least 30/60/25. Other required coverage: none beyond liability (PIP and UM must be rejected in writing). Those are floors; with McKinney's median home value at $471,800, most homeowners choose much higher liability limits to protect their equity.
One insurer or two for a McKinney household
With 64% of households owning their home, bundling is an option for most McKinney families. Compare the bundle against separate quotes with the same limits and deductibles; the discount only matters if the total is lower.
Weather and road risks around McKinney
Around McKinney, two exposures stand out: large hail and flash flooding. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
County hazard detail: FEMA National Risk Index.
McKinney compared with nearby cities
Plano shows 28% working from home and a median home value of $465,900. In Frisco, 66% own their home and 20% of households have three or more vehicles. Houston: 68% drive alone, 16% commute 45+ minutes, median home $277,800. McKinney ranks 3rd for long commutes among the 30 Texas cities we profile.
Gathering details for a McKinney auto and home quote
- Current declarations pages for auto and home
- Mortgage company for the home
- Recent claims or violations
- Vehicle year, make, model, and VIN
- Everyone in the household who drives
- Commute distance and typical yearly miles
Questions from McKinney drivers and homeowners
What are the minimum car insurance limits for McKinney drivers?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do McKinney drivers have long commutes?
About 19% of McKinney workers commute 45 minutes or more and 21% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in McKinney?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
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Last updated October 15, 2026 · How we research