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 AverageState AverageNational Average
$1,774$1,810$1,427


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/GenderAverage Rate
Female$1,759
Male$1,774
Single$1,774
Married$1,596
Divorced$1,774
Widowed$1,610


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
AgeAverage Rate
Teenagers$5,850
20s$2,175
30s$1,746
40s$1,690
50s$1,516
60s$1,589
70s$1,992


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/IncidentAverage Insurance Rate
DUI$2,533
Reckless Driving$2,474
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 QualityAverage Auto Insurance Rate
Very Poor$3,103
Fair$2,626
Good$2,177
Very Good$1,835
Exceptional$1,470


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.

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

Aggressive Insurance AssuranceAmerica Bristol West Cal Casualty Dairyland Direct General Elephant Falcon GAINSCO Germania Mutual Hallmark Infinity Kemper Specialty Lamar General Agency Mendota Mercury MetLife Pronto State Auto The General Travelers

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

Bell Insurance

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

CoVerica

5999 Summerside Dr Ste 200 Dallas, TX 75252

Preferred Personal Insurance Agency, LLP

1431 Greenway Dr Irving, TX 75038

See All

2

$1,422

The average Plano resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

228

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

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Recent Questions:

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