call

Plano Car Insurance

How much does car insurance cost in Plano, TX? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Plano?

Plano, Texas, is a family-friendly city known for its love of mesquite barbecue, Friday night football games and nonstop shopping. The wealthy Dallas suburb is also home to spectacular attractions like the Crayola Experience, Oak Point Park and Granite Park.

The Collin County town is also a short distance from the amazing sports, cultural and educational venues in the Dallas-Fort Worth Metroplex.

Plano residents can use the Dallas Rapid Transit System to travel; however, a car is the most convenient form of transportation to explore the Metroplex and its bedroom communities.

Are you a Plano resident planning to get a new car soon? In this article, you’ll learn about the auto insurance requirements in Texas.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Texas has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Plano typically pay around $118.02 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Texas $115.73
Plano, Texas $118.02

Plano, TX Best Car Insurance Companies

car insurance in Plano

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Plano coming in around $104.22 per month. Other companies to consider if you live in Plano is USAA with an average cost of $104.99 per month and Clearcover which typically runs around $112.98 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Plano.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $104.22-9.95%
2 USAA $104.99-9.29%
3 Clearcover $112.98-2.38%
4 Direct Auto $114.42-1.13%
5 Texas Farm Bureau Group $120.584.18%
6 National General $149.2528.96%
7 Esurance $173.3049.74%
8 Encompass $192.5166.34%
9 Chubb $193.1166.86%
10 Mercury $195.7869.16%

How Much is Car Insurance in Plano, TX?

how much is auto insurance in Plano

Rates can vary from city to city. The residents of Austin typically pay $113.26 per month while people who live in Dallas will pay $118.53 per month on average. See what people pay for car insurance in other cities in Texas.

Texas CitiesMonthly Average Rate
Austin $113.26
Dallas $118.53
El Paso $106.93
Houston $137.59
Plano $117.41
San Antonio $118.68

Cheap Car Insurance in Plano by Zip Codes

find cheap auto insurance in Plano

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Texas. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Plano, TX ZIP CodeAverage Monthly Rate
75023$113.89
75024$105.89
75025$119.46
75074$123.62
75075$115.72
75093$114.70
75094$145.61

Car Insurance Rates by Driver's Age Group in Plano

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $283.99 per month in Plano. Compare that to drivers in their 30’s who typically pay around $96.09 per month drivers in their 40s at $93.96 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$283.99
20s$139.74
30s$96.09
40s$93.96
50s$87.62
60s$87.74
70+$108.48

Cheapest Insurance for Teenage Drivers in Plano

If you are teen in Plano you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $206.88 per month. This is likely the most affordable option in Plano. You might also want to consider Direct Auto and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$206.88
Direct Auto$244.62
State Farm$357.54
Texas Farm Bureau Group$383.25
Encompass$456.63

Cheapest Insurance for 20 Year-olds in Plano

20 year-olds in Plano might want to consider USAA who, on average, offers car insurance rates around $121.60 per month. Direct Auto , State Farm , Clearcover and Texas Farm Bureau Group are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$121.60
Direct Auto$128.72
State Farm$128.89
Clearcover$134.28
Texas Farm Bureau Group$150.63

Cheapest Insurance for 30 Year-olds in Plano

If you are in your 30s in Plano our research has found that Kemper Auto | Infinity typically has the most affordable coverage coming in around $79.67 per month, followed by Kemper Auto Premium at $90.83 and Dairyland at $90.95.

CompanyAverage Monthly Rate
Kemper Auto | Infinity$79.67
Kemper Auto Premium$90.83
Dairyland$90.95
State Farm$91.54
Direct Auto$92.28

Cheapest Insurance for 40 Year-olds in Plano

On average, Direct Auto offers car insurance for 40 year-olds in Plano for around $81.51 per month. If you are looking for affordable coverage, you may also want to consider State Farm or USAA. The full list of top companies is below.

CompanyAverage Monthly Rate
Direct Auto$81.51
State Farm$81.58
USAA$83.61
Texas Farm Bureau Group$100.29
Clearcover$102.11

Cheapest Insurance for 50 Year-olds in Plano

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Plano we found that Safeco generally offers the most affordable coverage at $58.45 per month.

CompanyAverage Monthly Rate
Safeco$58.45
Kemper Auto Premium$62.83
Dairyland$76.39
Liberty Mutual$79.25
Direct Auto$83.87

Cheapest Insurance for 60 Year-olds in Plano

If you live in Plano and you’re in your 60s, our data indicates that Clearcover usually has the best rates at $72.73 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Clearcover$72.73
State Farm$82.16
Texas Farm Bureau Group$83.12
Direct Auto$84.27
USAA$86.59

Driver's Coverage Auto Insurance Rates in Plano, TX

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Plano, the average monthly rate for a driver who is currently insured is $106.22 while drivers who are not currently covered will pay around $128.41.

CoverageAverage Monthly Rate
Not Currently Insured $128.41
Currently Insured $106.22

Compare Recent Car Insurance Quotes in Plano

auto insurance quotes in Plano city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Plano a driver of a 2012 Ford Fiesta can expect to pay around $45.11 per month while someone that owns a 2012 Ford Fiesta may pay around $39.56 per month. Check out the list of recent quotes in Plano below.

VehicleAverage Monthly Rate
2012 Ford Fiesta$45.11
2012 Ford Fiesta$39.56
2012 Ford Fiesta$50.95
2012 Ford Fiesta$37.04
2015 Hyundai Genesis$77.25
2015 Hyundai Genesis$22.73
2015 Hyundai Genesis$72.98
2015 Hyundai Genesis$79.24
1996 Ford Ranger$55.25
2016 Bmw 320$114.20

FAQ's for Drivers in Plano, TX

driver’s frequently asked question in Plano

What Is the Minimum Amount of Car Insurance Coverage Required in Plano?

Are you a Plano resident who has recently purchased a new vehicle? Texas requires drivers to buy a minimum of 30/60/25 coverage (or higher) for their automobiles. Liability coverage includes:

  • $30,000 bodily injury per person

  • $60,000 bodily injury for all persons

  • $25,000 property damage liability

  • $2,500 personal injury protection

  • $30,000/$60,000 uninsured/underinsured bodily injury insurance (unless you decline it)

  • $25,000 uninsured/underinsured property damage (unless you decline it)

Although you can buy minimum insurance at lower premiums, it may not provide enough coverage if you cause an accident. Consider finding a better insurance policy using the SmartFinancial app. Enter your zip code to begin. It’s free.

What Is the Blood Alcohol Concentration (BAC) Limit in Plano?

Law enforcement can charge drivers impaired by alcohol or drugs with a Driving While Under the Influence (DWI) offense. In Texas, you break the law as soon as drugs or alcohol affect your driving, flying, or boating ability. In the state, it is illegal to drive a vehicle with the following Blood Alcohol Concentration (BAC):

  • .08 percent for drivers

Additionally, under Texas’ Open Container Laws, it is illegal to carry an open container of alcohol within your vehicle, even if you’re not drunk.

Are you a Plano resident who received a DWI conviction in Texas? Unfortunately, a single conviction can dramatically raise your car insurance rates. You can search for more affordable insurance premiums using SmartFinancial, which partners with over 200 insurers, including those who specialize in high-risk policies. Just enter your zip code, and we’ll provide you with quotes from local insurance companies.

Can I Register My Car Without Insurance in Plano?

No, residents can’t register a car without insurance. The state requires residents to prove they can assume financial responsibility for accidents they cause.

Can I use my digital insurance card in Texas?

Yes! Getting pulled over in Texas is slightly less panicky since you don’t have to locate the hard copy of your insurance card for the officer. BUT, be mindful of unlocking your phone to access your digital insurance card before the officer has determined whether you were cell-phoning and driving!

map

Commute Time in Plano, TX

26.5 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Plano, TX

181

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.