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 AverageState AverageNational Average
$1,771$1,792$1,569


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 QualityAverage Car Insurance Rate
Very Poor$3,159
Fair$2,053
Good$1,771
Very Good$1,666
Exceptional$1,541


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
AgeAverage Rate
Teenagers$5,812
20s$2,256
30s$1,746
40s$1,696
50s$1,516
60s$1,583
70s$1,959


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 ViolationAverage Rate
DUI$2,475
Reckless Driving$2,530
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/GenderAverage Rate
Female$1,759
Male$1,771
Single$1,771
Married$1,592
Divorced$1,771
Widowed$1,677


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

Find Local Plano Agents

CoVerica

5999 Summerside Dr Ste 200 Dallas, TX 75252

Davidson Stewart Morelock Independent Insurance Group

3110 Webb Ave Dallas, TX 75205

AmeriCap Insurance Group LLC

15770 N. Dallas Parkway Dallas, TX 75248

TexCap-Concord Insurance Services, LP

13465 Midway Rd Ste 200 Dallas, TX 75244

American Option Insurance Agency

5412 W Plano Pkwy Plano, TX 75093

Goosehead Insurance Agency, LLC

100 E Royal Ln Irving, TX 75039

Preferred Personal Insurance Agency, LLP

1431 Greenway Dr Irving, TX 75038

A R SCHELL & SON AGENCY - INSURANCE

1001 E 15th Street Plano, TX 75074

Bell Insurance

16980 Dallas Pkwy Dallas, TX 75248

Assured Advantage Insurance

5700 Granite Pkwy Ste 200 Plano, TX 75024

Bibby, Brilling & Associates, LLP

5031 McKinney Ave Dallas, TX 75205

Champion Commercial Insurance

3025 Commerce St Dallas, TX 75226

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

Benefit Resource Group

6211 W. Northwest Hwy Dallas, TX 75225

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.