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Best Local Car Insurance Agencies in McKinney

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored McKinney Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.



5Top Picks

Learn about our selection process.


featured provider = Featured Provider

5005 McKinney Ranch Parkway, McKinney, TX 75070
WebsiteLicense: 1641086 Rating

Review Sources

4.9 (252)
4.9 (36)
3.5 (5)

Why choose this provider?

Mike Johnson is a McKinney State Farm insurance agent who has been providing insurance and financial solutions since 2011. He and his team offer auto, home, renters, and life insurance with the right coverages and quote the ones with the best rates. They understand their clients' situations and build a relationship with them. They hope to protect their clients and their families and help them have a better future financially. Johnson is available for consultation 24/7.

  • Bundling Option

600 North McDonald Street, McKinney, TX 75069
WebsiteLicense: 2650462 Rating

Review Sources

5.0 (27)

Why choose this provider?

Insurance Services Agency is a car insurance agency and broker located in McKinney. It matches clients with established insurance carriers for conventional auto insurance and policies for recreational vehicles, watercraft, and motorhomes. The company has been in operation since 1991 and its bilingual staff can cater to Spanish speakers. The firm is a member of Rotary International and the American Cancer Society. According to customers, the office has friendly staff and they trust its agents in handling any problem that arises with insurance policies.

  • RV & Motorhome
  • Boats

1321 North Tennessee Street, McKinney, TX 75069
WebsiteLicense: 19554 Rating

Review Sources

4.8 (340)

Why choose this provider?

Baja Auto Insurance is an agency that has been providing insurance protection for clients in McKinney and Garland areas for more than a decade. Agents at Baja Auto Insurance work with clients to find the right auto insurance policy that fits unique needs and budget. They can help provide insurance plans for drivers who have tickets, are involved in accidents, with DUI records, or other similar circumstances. Founded in 2006, Baja Auto Insurance has 59 full-service agencies serving Dallas and Fort Worth.

  • Multiple Carriers

307 South McDonald Street, McKinney, TX 75069
WebsiteLicense: 2447294 Rating

Review Sources

5.0 (67)

Why choose this provider?

GlobalGreen Insurance Agency is a full-service insurance company that provides personal and business coverages in McKinney. The family-owned business assists individuals and businesses in obtaining an auto insurance policy that can adequately protect themselves and their vehicles from financial risks. Its independent insurance agents work with multiple carriers that can provide several coverage options, including liability, collision, comprehensive, medical payments, roadside assistance, and uninsured motorist. The company's founders have over 45 years of combined experience in the industry.

  • Multiple Carriers

7951 Collin McKinney Parkway, McKinney, TX 75070
WebsiteLicense: 2653120 Rating

Review Sources

5.0 (72)
4.5 (9)
5.0 (7)

Why choose this provider?

The Pierce Insurance Group is an independent auto insurance agency located in McKinney. The agency's main philosophy is to build a solid and long-term relationship with its clients that is built on service and trust, achieved through learning about their needs. Being an independent agency, they work with a variety of top-rated carriers to provide their clients with their best products at the best rates. Aside from auto insurance, the agency offers coverage for watercraft, motorcycles, RV, and camper homes.

  • Home and Auto Insurance


  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • How soon can you get insurance payment if your car gets stolen in McKinney?

    You will only receive compensation after a specified period of time. Typically, insurance companies require a 21-day waiting period before settling a claim. If the McKinney police recover your vehicle within this timeframe, the insurer will request a repair estimate to help them decide whether to pay the claim. If your vehicle is still missing after 21 days, your insurance settlement will be prepared.

  • Which car features can get you discounts on your car insurance policy in McKinney?

    Some McKinney auto insurers offer discounts for vehicles equipped with safety features such as stability control and anti-lock brakes, as well as passive restraint features such as automatic seatbelts. There may also be discounts available for anti-theft features, such as steering wheel locks, alarms, and LoJack systems. These risk-reduction features are eligible for discounts ranging from 2% to 40%. In addition, if the vehicle you're insuring is brand-new or a recent model, certain insurers may offer a 20% discount.

  • Whose car insurance policy pays for damages if you get in an accident while driving a borrowed car in McKinney?

    If you were at fault for the collision, the damages will be claimed against the owner's insurance policy. If the car's owner is uninsured, you will be responsible for paying for any damages or injuries caused by the accident. If you frequently borrow other people's cars in McKinney, you should consider purchasing non-owner liability insurance. This insurance will cover any damages or injuries you cause to other drivers while operating a rented vehicle.

  • What is the benefit of including underinsured and uninsured motorist coverage in your car insurance policy in McKinney?

    If you are involved in a car accident in McKinney and the at-fault driver is uninsured or underinsured, you may not receive any compensation or will have to file a lawsuit against the driver. If you have underinsured and uninsured motorist coverage, you will be compensated for your property damage and injuries. This coverage extends to hit-and-run collisions in which you have no driver to sue.

  • How much car insurance coverage is required in McKinney?

    You must meet Texas’ three minimum requirements for liability coverage below. Aside from these, car insurance agencies in McKinney are also required to offer uninsured/underinsured motorist coverage (UM/UIM) and personal injury protection (PIP) coverage. Note that you have the right to forego these additional offerings, and your refusal will be documented in writing.
    Require minimum liability coverage: Bodily injury/death per person - $30,000 All bodily injuries/deaths per accident - $60,000 Property damage - $25,000

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.