How Much Are Car Insurance Rates in Plano?
With premiums within $36 of the state average, Plano has rates that are relatively consistent with the state. Let's take a look at how car insurance costs in Plano compare to rates nationwide.
CAR INSURANCE PREMIUMS: PLANO VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Plano Auto Insurance by Marital Status and Gender
Pricing for car insurance premiums in Plano is determined by a variety of things, including gender and marital status. However, premiums for men and women tend to only vary a bit, with women paying less. In your city, marital status actually has a substantial impact on premiums. You can save roughly $180 per year if you're married as opposed to single or divorced. Rates for those who are widowed are also much cheaper than rates for those who are single.
PLANO CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Plano Auto Insurance by Age
Drivers in their 50s save money on premiums, as they have the lowest rates among all age groups, paying only $1,516 every year. People in their 60s ($1,589) aren’t paying significantly more. With payments of $5,850 on average, teenage drivers are the ones who pay the most in car insurance premiums. The greatest reduction in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Plano start seeing a reduction in premiums of $3,675. When drivers turn 60, they will experience an insurance rate increase related to their age for the first time.
PLANO CAR INSURANCE COSTS BY DRIVER AGE
Plano Auto Insurance After Accidents or Violations
Accidents and violations on your record can cost you in terms of prices on car insurance. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. $898 is, on average, the additional cost for car insurance in Plano if you have an at-fault accident on your driving record. $759 is the extra cost per year for drivers with a DUI in Plano, compared to the city average of $1,774. Reckless driving will bump your premiums up as well, with typical rates of $2,474, which are 39% higher than the city average.
AVERAGE PLANO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Insurance Rate|
|At-fault Accident (damages less than $1,000)||$2,672|
|At-fault Accident (damages greater than $2,000)||$2,672|
|Speeding Ticket (16-20 mph over speed limit)||$1,848|
Plano Car Insurance by Credit Level
Drivers with Exceptional credit (800-850) typically pay 53% less each year on premiums than those with Very Poor credit (300-579). Drivers will see the greatest percent decrease in premiums when they raise their credit from Very Good (740-799) to Exceptional (800-850). That change can save them 20% per year.
PLANO AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Quality||Average Auto Insurance 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. 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
Goosehead Insurance Agency, LLC
100 E Royal Ln Irving, TX 75039
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
16980 Dallas Pkwy Dallas, TX 75248
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Plano, TX 75074
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
Assured Advantage Insurance
5700 Granite Pkwy Ste 200 Plano, TX 75024
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
5999 Summerside Dr Ste 200 Dallas, TX 75252
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Irving, TX 75038
The average Plano resident's annual cost of coverage
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