A full coverage car insurance policy in Plano costs an average of $1,877 per year, about $59 more than the Texas state average of $1,818 per year — but rates vary from company to company, which is why it’s so important to compare multiple quotes before picking a policy.
policycentral can help you see multiple options at once, so you can choose the coverage that’s best for you and your wallet.
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Plano, TX
The cost of car insurance can vary depending on where you live, your age, your past driving history, and the kind of car you drive. But insurance companies each have a different method for setting rates, so you may get two very different rates from two companies for similar coverage.
Company | Average cost | JD Power Rating |
|---|---|---|
Farm Bureau | $1,130 | -- |
State Farm | $1,138 | 882 |
Redpoint County Mutual | $1,260 | -- |
Germania Insurance | $1,444 | -- |
USAA | $1,497 | 890 |
Cheapest car insurance rates by ZIP code in Plano, TX
Where you live is one of the biggest factors in how much you’ll pay for car insurance. Everything from the availability of on-street parking and rates of theft and vandalism to the number of accidents and traffic tickets issued in your neighborhood affect your rates.
ZIP code | Average cost |
|---|---|
75025 | $1,842 |
75024 | $1,863 |
75023 | $1,872 |
75074 | $1,890 |
75093 | $1,893 |
75075 | $1,905 |
Choosing the right car insurance company in Plano, TX
Choosing the right car insurance company all boils down to a few key factors:
Cost: Get quotes from multiple car insurance companies so you don’t end up paying too much for your insurance
Coverage: The more coverage you buy, the better protected you’ll be in case of an accident
Service: Check ratings for things like claims satisfaction and customer service, those things can matter a lot if you ever have to file a claim
policycentral takes the pain out of the process by showing you rates from multiple insurers so you can compare coverage and choose the best option for you.
Car insurance rates for drivers with driving violations in Plano, TX
Your driving history can have a big impact on how much you pay for car insurance. Even a single speeding ticket can bump up your rates, so try to avoid violations and you’ll get a better rate.
Violation | Farm Bureau | State Farm | Redpoint County Mutual | Germania Insurance | USAA |
|---|---|---|---|---|---|
At-fault accident | $1,996 | $1,379 | $1,260 | $2,039 | $2,438 |
DUI | $2,427 | $1,879 | $1,260 | $3,540 | $2,419 |
Suspended license | $1,233 | $1,629 | $1,260 | $2,789 | $2,239 |
Open container | $2,427 | $1,778 | $1,260 | $1,557 | $1,811 |
Expired registration | $1,233 | $1,152 | $1,260 | $1,557 | $1,811 |
Driving without lights | $1,233 | $1,152 | $1,260 | $1,557 | $1,811 |
Running a red light | $1,233 | $1,152 | $1,260 | $1,557 | $1,811 |
Following too closely | $1,233 | $1,152 | $1,260 | $1,557 | $1,811 |
Hit and run | $1,233 | $1,879 | $1,260 | $3,540 | $2,419 |
Not-at-fault accident | $1,233 | $1,152 | $1,260 | $1,619 | $1,602 |
Passing a school bus | $1,233 | $1,152 | $1,260 | $1,557 | $1,811 |
Reckless driving | $1,233 | $1,879 | $1,260 | $3,540 | $2,419 |
Speeding | $1,233 | $1,152 | $1,260 | $1,557 | $1,811 |
Cheapest car insurance for drivers with a DUI in Plano, TX
Company | Rates for drivers with DUIs |
|---|---|
Redpoint County Mutual | $1,260 |
State Farm | $1,879 |
USAA | $2,419 |
Farm Bureau | $2,427 |
Germania Insurance | $3,540 |
Cheapest car insurance for drivers with a speeding ticket in Plano, TX
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $1,152 |
Farm Bureau | $1,233 |
Redpoint County Mutual | $1,260 |
Germania Insurance | $1,557 |
USAA | $1,811 |
Cheapest car insurance for drivers with bad credit in Plano, TX
A bad credit history can have you paying more for your car insurance, but some companies offer better rates than others for drivers with poor credit.
Company | Rates for drivers with bad credit |
|---|---|
Redpoint County Mutual | $1,260 |
Auto Club | $2,779 |
USAA | $2,816 |
Farm Bureau | $2,829 |
Nationwide | $2,839 |
Buying car insurance in Plano, TX
Insurance is required in Texas in order to register a vehicle. The minimum amount of coverage you must have is:
$25,000 for property damage liability per accident
$30,000 for bodily injury liability per person/$60,000 per accident
Even if you don’t drive your car much, if it’s registered in Texas, then it must be insured.
How to get cheap car insurance in Plano, TX
Drive safely: Drive carefully to avoid accidents and speeding tickets and your rates will be lower
Compare companies: Get quotes from multiple insurance companies to find the best offer
Don’t miss out on discounts: Ask about reduced rates that might apply to you, like discounts for low mileage drivers, good students, and for professional groups including firefighters and teachers
Bundle policies: Get coverage for your home or condo from the same insurer and you could save on both policies
Frequently asked questions
What is the cheapest car insurance in Plano, Texas?
Texas Farm Bureau is the cheapest car insurance company in Plano, Texas at $1,130 per year. Drivers may also find cheap coverage with State Farm.
How much is car insurance in Plano, Texas?
On average, the cost of car insurance in Plano, Texas, is $156 per month. This makes the cost of coverage in Plano slightly more expensive than the average premium in Texas.
How much insurance is required in Plano, Texas?
Texas requires car insurance for all registered vehicles. Drivers in Plano must carry at least $25,000 for property damage liability per accident, $30,000 for bodily injury liability per person, and $60,000 bodily injury liability per accident.
Is Texas a no-fault state?
Texas is not a no-fault state. The insurance of the driver determined to be at-fault for an accident will pay everyone’s expenses.
