What's the Cost of Car Insurance in Plano?
On average, Texas premiums are $223 higher than the national average. Premiums also run high in the city, so it is especially important to cut costs while insuring a vehicle in Plano. Who doesn't like saving money? Check out some methods to save on auto insurance in Plano.
CAR INSURANCE PRICES: PLANO VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
Plano Auto Insurance by Credit Level
The variance between average car insurance premiums in Plano for individuals with Exceptional credit (800-850) and Very Poor credit (300-579) is $1,618/year. Drivers can save nearly $1,106 per year when they raise their credit tier from Very Poor (300-579) to Fair (580-669).
PLANO CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit Quality||Average Car Insurance Rate|
Plano Auto Insurance Costs by Age
Teenage drivers have the biggest premiums of any age group, with average car insurance payments of $5,812. Looking across all age groups, drivers in their 50s have the lowest payments. Their rates generally average $1,516. People in their 60s ($1,583) aren’t paying much more. The greatest reduction in premiums for Plano drivers happens when they reach their 20s. Once out of the teenage age range, drivers save, on average, 61%. Rates continue to trend downward up until drivers turn 60.
PLANO CAR INSURANCE COSTS BY DRIVER AGE
Plano Car Insurance With Accidents or Violations
Possessing an unblemished driving record is imperative if you want to keep your premiums minimal. Drivers with a DUI in Plano need to spend 40% more than the city average to insure their vehicle. Reckless driving will drive your rates up as well, with average rates of $2,530. That is 43% higher than the city average. The severity of an at-fault accident impacts insurance rates. For those in Plano with at-fault accidents in which damages exceeded $2,000, rates are an average of $409 more than at-fault accidents with damages less than $1,000.
AVERAGE PLANO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident or Violation||Average Rate|
|At-fault Accident (damages less than $1,000)||$2,297|
|At-fault Accident (damages greater than $2,000)||$2,706|
|Speeding Ticket (16-20 mph over speed limit)||$1,862|
Plano Auto Insurance by Gender and Marital Status
Pricing for car insurance premiums in Plano is determined by a lot of considerations, including gender and marital status. However, the amount by which men's and women's car insurance premiums vary is trivial. In your city, marital status actually has a substantial impact on premiums. Married individuals save approximately 10% per year on car insurance compared to those who are single or divorced. Rates for those who are widowed are also significantly cheaper than rates for those who are single.
PLANO CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average 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
16980 Dallas Pkwy Dallas, TX 75248
Goosehead Insurance Agency, LLC
100 E Royal Ln Irving, TX 75039
Preferred Personal Insurance Agency, LLP
1431 Greenway Dr Irving, TX 75038
AmeriCap Insurance Group LLC
15770 N. Dallas Parkway Dallas, TX 75248
Harris F. Underwood III, Inc.
3114 Main Street Dallas, TX 75226
5999 Summerside Dr Ste 200 Dallas, TX 75252
Davidson Stewart Morelock Independent Insurance Group
3110 Webb Ave Dallas, TX 75205
Assured Advantage Insurance
5700 Granite Pkwy Ste 200 Plano, TX 75024
Frederiksen & Frederiksen
12900 Preston Road, Suite 500 Dallas, TX 75230
Bibby, Brilling & Associates, LLP
5031 McKinney Ave Dallas, TX 75205
TexCap-Concord Insurance Services, LP
13465 Midway Rd Ste 200 Dallas, TX 75244
Champion Commercial Insurance
3025 Commerce St Dallas, TX 75226
Benefit Resource Group
6211 W. Northwest Hwy Dallas, TX 75225
A R SCHELL & SON AGENCY - INSURANCE
1001 E 15th Street Plano, TX 75074
Twfg- Burridge Family Insurace
10925 Estate Lane Suite 148 Dallas, TX 75238
Stogner & Associates Insurance
5538 South Hampton Road Dallas, TX 75232
American Option Insurance Agency
5412 W Plano Pkwy Plano, TX 75093
The average Plano resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Plano
Just enter your zip code to get started
Plano Car Insurance
Plano Car Insurance
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...