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Average Cost of Car Insurance in Plano

Plano$1,242
Texas$1,316
U.S.$1,424

The average car insurance rate in Plano is $1,242 per year. That is slightly cheaper than both the average state and national annual premiums. Plano policyholders pay about 5.6% less than the $1,316 Texas average. Drivers in the city also pay about 12.8% less than the nationwide average of $1,424.

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The Best Cheap Car Insurance Companies in Plano

Farmers has the cheapest car insurance in Plano. Drivers who have a policy from this provider typically pay an average of $788 per year, which is about $455 less than the city average. Joining Farmers as the top five most affordable carriers in the city are USAA, State Farm, GEICO and AAA. The most expensive rate comes from The General at $2,332 per year on average — this rate is nearly triple that of Farmers.

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Personalized Quotes to Get You the Cheapest Car Insurance in Plano

Individualized factors, such as age, driving history, credit score, driving experience, gender, marital status and car make and model help car insurance companies in Plano calculate rates. For example, a 40-year-old male has an average annual premium of $924 from GEICO, but an 18-year-old male will have to pay more than twice that amount for a similar policy.

Since your circumstances may change, it’s best to get personalized quotes and compare premiums from multiple carriers. This way, you can also find out if you qualify for any discounts, rebates or savings.

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Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Plano by Coverage Amount

How much car insurance coverage you purchase in Plano also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Getting state minimum liability coverage will allow you to claim up to $30,000 for bodily injuries per person, $60,000 total per vehicle and $25,000 for property damage. Car insurance companies in Plano also offer 50/100/50 liability-only and full-coverage plans. The provider that has the least amount of difference between the costs of these two options is Esurance. The annual premium for its liability-only policy is an average of $709, but if you add around $252, you can get full coverage. You can also choose 100/300/100 full coverage for comprehensive protection. The cheapest rate for this option is from Farmers, at an average of $788 per year.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Plano if You Have Tickets

Another crucial factor that car insurance companies in Plano evaluate is your driving history. Generally, responsible drivers with clean records will have access to cheap car insurance in Plano. Moving violations, such as speeding tickets, DUIs and at-fault accidents, can lead to insurance rate hikes.

For example, if you have no violations in your driving record, you can get a $788 average annual premium from Farmers. However, your rate will increase by around $242 if you have a speeding ticket. If you have a DUI on your record, the cost of your car insurance will be an average of $1,160.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • $1,030
    $1,122
    $1,160
  • 2. USAA
    $917
    $1,281
    $1,220
  • $879
    $1,071
    $1,518
  • $1,082
    $1,304
    $1,610
  • 5. AAA
    $1,398
    $1,548
    $1,627
  • $1,086
    $2,405
    $1,086
  • $1,113
    $1,699
    $1,781
  • $1,379
    $1,728
    $2,084
  • $1,865
    $2,436
    $1,911
  • $1,580
    $3,311
    $3,706
  • 11. The General
    $2,332
    $2,966
    $2,610

Average Cost of Car Insurance by Postal Code

Car insurance companies in Plano also consider your ZIP code to determine annual premium rates. They use statistical data, such as accident and crime rates in the area, to influence their rates. However, region-based rates don't have a large difference in Plano.

The average annual premium based on ZIP code ranges from $1,236 to $1,250, which means that the difference between the cheapest (75025) and the most expensive (75093) regions for auto coverage is just $14.

  • Zip Code
    State Minimumper year
  • 75025
    $1,236
  • 75074
    $1,242
  • 75093
    $1,250
iconribbontop ratedCar Insurance agentsPlano2021

Top Agents Offering Affordable Car Insurance in Plano

1. John Kraft - State Farm Insurance Agent10185 Custer Rd, Suite 100, Plano, TX, 75025
10 ratings
2. Dean Insurance Group5600 Tennyson Pkwy, Ste 285, Plano, TX, 75024
5 ratings
3. Matt Lohoefer Insurance5805 Coit Rd, Ste 401, Plano, TX, 75093
5 ratings
4. Darin McCullough - State Farm Insurance Agent1445 Los Rios Blvd, Ste 203, Plano, TX, 75074
4 ratings
5. Sterling Insurance Group3415 Custer Rd, Ste 161, Plano, TX, 75023
3 ratings

Factors That Impact Insurance Costs in Plano

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Plano. How Plano ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities256th/300
handcuffs2 icon
Most Car Thefts144th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall142nd/300
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Most Rainy Days190th/300

Shopping around for car insurance in Plano could save you $455, which is enough to buy:


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152Cups of Coffee
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35Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Plano are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

Compare Car Insurance Rates in Plano

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.