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How much does car insurance cost in Plano?
Car insurance coverage costs an average of $1,428 each year in Plano. That's pricier than the average in Texas ($1,415) and less expensive than the national average of $1,548. Our guide to Plano car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!
PLANO AUTO INSURANCE RATES
|Plano Average (annual)||Texas Average||U.S. Average|
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Plano auto insurance premiums by insurer
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. In Plano, USAA provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Plano. Don't forget to gather car insurance quotes based on your driving profile.
PLANO CAR INSURANCE RATES BY COMPANY
|Company||Average Yearly Rate|
Plano auto insurance rates by age
The age group that pays the least for car insurance in Plano are drivers in their 50s ($1,244per year). Drivers in their 60s pay marginally higher rates — $1,290 per year.
Teen drivers pay Plano's most expensive auto insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Plano is to age out of your teens. In Plano, teenage drivers pay $3,704 — a full $2,414 more than the second-most expensive rate paid by an age group.
CAR INSURANCE RATES BY AGE TIER IN PLANO
|Age group||Average Annual Rate|
Plano auto insurance rates by gender and marital status
In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Plano pay $91 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Plano, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. In Plano, the gap in auto insurance rates between genders is $5 per year, with male drivers paying more than female drivers.
PLANO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Yearly Rate|
Plano auto insurance costs by driving history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Plano drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $806 per year versus the city average. A ticket for speeding results in a $121 rate hike while a DWI or DUI violation costs $823per year in extra insurance expenditures.
AVERAGE PLANO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$1,827|
|At-fault Accident (damages greater than $2,000)||$2,175|
|Speeding Ticket (16-20 mph over speed limit)||$1,549|
Plano auto insurance rates by credit tier
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Plano drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 61% decrease in their auto insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Plano, improving your credit to "Fair" corresponds with a $1,250 decrease in annual car insurance rates.
PLANO CAR INSURANCE RATES BY CREDIT TIER
|Credit Score||Average Yearly Rate|
What drives up car insurance rates in Plano?
Where you live in Plano affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Plano is no exception to the rule. From ZIP code 75023 to 75074, premiums rise by 6 percent—that’s $77.
Expensive Plano ZIP codes: 75024, 75093, 75075, 75074
Cheap Plano ZIP codes: 75023, 75025, 75094, 75024
Plano Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, & decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Plano, you can expect 73 rainy days with an annual rainfall of 38 inches. Plano is also known to experience thunderstorms and flash floods.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Plano
Find Local Plano Agents
Frederiksen & Frederiksen
12900 Preston Road, Suite 500, Dallas, TX 75230
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200, Dallas, TX 75244
American Option Insurance Agency
5412 W Plano Pkwy Ste 100, Plano, TX 75093
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Ste. 600, Dallas, TX 75248
Goosehead Insurance Agency, LLC
100 E Royal Ln Ste. 320, Irving, TX 75039
Champion Commercial Insurance
3025 Commerce St, Dallas, TX 75226
5999 Summerside Dr Ste 200, Dallas, TX 75252
Bibby, Brilling & Associates, LLP
5031 McKinney Ave, Dallas, TX 75205
Assured Advantage Insurance
5700 Granite Pkwy Ste 200, Plano, TX 75024
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Suite 100, Plano, TX 75074
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Ste 150, Dallas, TX 75205
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Ste 145, Irving, TX 75038
Harris F. Underwood III, Inc.
3114 Main Street, Dallas, TX 75226
Benefit Resource Group
6211 W. Northwest Hwy Suite 151, Dallas, TX 75225
16980 Dallas Pkwy Suite 210, Dallas, TX 75248
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148, Dallas, TX 75238
Stogner & Associates Insurance
5538 South Hampton Road, Dallas, TX 75232
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.