What drives up car insurance rates in Plano?
Car Insurance in Plano
Plano has premiums that are relatively similar to the state average, as they are within $36 of one another. Going over some tips below about how to save on Plano car insurance can save you some hard-earned money.
- City Average: $1,774
- State Average: $1,810
- National Average: $1,427
Plano Car Insurance by Accident or Violation History
By knowing which driving mishaps can bloat your car insurance premiums, you can make better decisions and save money. Being at-fault in an accident can cost drivers an additional $898 per year to insure your vehicle in Plano. Drivers with a DUI in Plano have rates $759 greater than the city average of $1,774. Reckless driving will push your rates up as well, with typical rates of $2,474.
- DUI: $2,533
- Reckless Driving: $2,474
- At-fault Accident (damages less than $1000): $2,672
- At-fault Accident (damages greater than $2000): $2,672
- Speeding Ticket (16-20 mph over speed limit): $1,848
Plano Car Insurance by Credit Rating
People with Very Poor credit (300-579) generally pay more than twice as much each year for car insurance than those with Exceptional credit (800-850). Moving from Very Good (740-799) to Exceptional (800-850) results in the greatest percent drop in premiums, as drivers save nearly 20% per year.
- Very Poor: $3,103
- Fair: $2,626
- Good: $2,177
- Very Good: $1,835
- Exceptional: $1,470
Plano Car Insurance by Gender and Marital Status
Pricing for car insurance premiums in Plano is determined by many factors, including gender and marital status. In your city, marital status actually has a substantial impact on premiums. Being single, as opposed to married, can cost you $178 more per year. Rates for those who are widowed are also significantly cheaper than rates for those who are single. Premiums are more pricey for men, but barely. Men generally pay $15 more than women each year for insurance.
- Female: $1,759
- Male: $1,774
- Single: $1,774
- Married: $1,596
- Divorced: $1,774
- Widowed: $1,610
Plano Car Insurance by Age
Teenage drivers have the biggest premiums of any age group, with typical car insurance payments of $5,850. At $1,516, drivers in their 50s have the smallest premiums among any age group. However, people in their 60s ($1,589) aren’t paying much more. In Plano, drivers see the most significant decline in premiums when they reach their 20s, as they save an average of $3,675 from moving out of the teenage age range. In Plano, turning 60 means an increase in premiums. Up until then, transitioning from one age group to the next means decreasing prices.
- Teenagers: $5,850
- 20s: $2,175
- 30s: $1,746
- 40s: $1,690
- 50s: $1,516
- 60s: $1,589
- 70s: $1,992
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. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Plano Agents
American Option Insurance Agency
5412 W Plano Pkwy Plano, TX 75093
Assured Advantage Insurance
5700 Granite Pkwy Ste 200 Plano, TX 75024
5999 Summerside Dr Ste 200 Dallas, TX 75252
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
16980 Dallas Pkwy Dallas, TX 75248
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Irving, TX 75038
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Goosehead Insurance Agency, LLC
100 E Royal Ln Irving, TX 75039
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Plano, TX 75074
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Plano Car Insurance
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