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 AverageU.S. Average
$1,428$1,415$1,548

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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 get car insurance quotes based on your driving profile.


PLANO CAR INSURANCE RATES BY COMPANY
CompanyAverage 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 groupAverage 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/GenderAverage 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/IncidentAverage 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 ScoreAverage 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

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.

73

Rainy Days a Year

38"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Plano

2
Major Highways
SR 289 U.S. 75 TX 121
2
Toll Roads
President George Bush Turnpike

Car Insurance Companies in Plano

21st Century AAA AFI Access Affirmative Aggressive Insurance Allstate AmWINS Heritage AmWINS Star Amica Mutual Insurance Apparent AssuranceAmerica Bristol West CAIC Cal Casualty Clearcover Commonwealth Casualty Dairyland Direct Auto Elephant Empower Encompass Esurance FIMC Falcon Farmers Foremost GAINSCO GEICO Germania Mutual Hallmark Hippo Infinity Jupiter Auto Kemper Auto Kemper Preferred Lamar General Agency Liberty Mutual Mendota Mercury MetLife Multi-State National General Nationwide Progressive Pronto Pronto Flex Safe Auto Safeco Safeway Insurance Company State Auto State Farm Stillwater Texas Farm Bureau The General The Hartford Titan Travelers UPC USAA Unitrin Windhaven

Find Local Plano Agents

Twfg- Burridge Family Insurace

10925 Estate Lane Suite 148, Dallas, TX 75238

Davidson Stewart Morelock Independent Insurance Group

3110 Webb Ave Ste 150, Dallas, TX 75205

Benefit Resource Group

6211 W. Northwest Hwy Suite 151, Dallas, TX 75225

A R SCHELL & SON AGENCY - INSURANCE

1001 E 15th Street Suite 100, Plano, TX 75074

Frederiksen & Frederiksen

12900 Preston Road, Suite 500, Dallas, TX 75230

TexCap-Concord Insurance Services, LP

13465 Midway Rd Ste 200, Dallas, TX 75244

CoVerica

5999 Summerside Dr Ste 200, Dallas, TX 75252

Bell Insurance

16980 Dallas Pkwy Suite 210, Dallas, TX 75248

Preferred Personal Insurance Agency, LLP

1431 Greenway Dr Ste 145, Irving, TX 75038

American Option Insurance Agency

5412 W Plano Pkwy Ste 100, Plano, TX 75093

Champion Commercial Insurance

3025 Commerce St, Dallas, TX 75226

Bibby, Brilling & Associates, LLP

5031 McKinney Ave, Dallas, TX 75205

Harris F. Underwood III, Inc.

3114 Main Street, Dallas, TX 75226

Goosehead Insurance Agency, LLC

100 E Royal Ln Ste. 320, Irving, TX 75039

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway Ste. 600, Dallas, TX 75248

Assured Advantage Insurance

5700 Granite Pkwy Ste 200, Plano, TX 75024

Stogner & Associates Insurance

5538 South Hampton Road, Dallas, TX 75232

2

$1,422

The average Plano resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

228

That's equal to 228 cups of coffee or $569 in savings

See How Much You Can Save in Plano

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Recent Questions:

Plano Car Insurance

Can I be reimbursed for a rear-end collision damage after 3 years?

Since you filed a claim, you should still be compensated for the damages. I would get in contact with the other party's insurance as soon as possible.

Can I file a claim with the at-fault driver if I started it with my company?

My best advice is to contact your insurance company and speak to an adjustor. If you're unsatisfied with the claims payout for your totaled car, you would need to dispute it with your insurance company.

Can I be compensated for repairs prior to a car being totaled?

So the answer, as you might expect, is a bit complicated. If the insurance company initially set up you up with a rental and it took them 3 months to declare the vehicle a total loss, the insurance company may be responsible for covering the additional 2 months worth of rental charges.

Can I file a claim for a stolen car if my son gave his friend permission to drive my vehicle?

You will need to report the vehicle stolen before you are able to file a claim with your insurance provider. From there, your insurance company should handle the remainder of the claim if you have comprehensive coverage.