Plano, TX Car Insurance

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
$1,428	$1,415	$1,548

Skip to:

• Insurance company
• Age
• Marital status/gender
• Driving record
• Credit score

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
USAA	$1,210
GEICO	$1,234
State Farm	$1,332
Allstate	$2,352

Consult our expert guide to finding the best cheap car insurance.

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
Teens	$3,704
20s	$1,863
30s	$1,406
40s	$1,369
50s	$1,244
60s	$1,290
70s	$1,597

Learn more about the impact of age on auto insurance rates.

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
Female	$1,423
Male	$1,428
Single	$1,337
Married	$1,337
Divorced	$1,428
Widowed	$1,303

Learn more about the impact gender and marital status have on insurance rates.

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
DUI/DWI	$2,251
Reckless Driving	$2,234
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

Learn more about the impact of driving violations on car insurance rates.

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
Very Poor	$3,033
Fair	$1,783
Good	$1,428
Very Good	$1,324
Exceptional	$1,171

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

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