Compare Rates and Save on Auto Insurance

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Depending on your driving history and unique needs, different companies will offer different rates, so the cheapest for you may vary. Generally, State Farm is the most affordable option in Plano, but Texas Farm Bureau will be close in price for most drivers. Meanwhile, if you’re laser-focused on receiving the best customer service, regardless of price, you might want to go with Chubb.

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2023

Cheapest and Best Car Insurance in Plano, TX

Cheapest Minimum Liability Car Insurance in Plano

The following are the least expensive auto insurance companies for a minimum coverage policy in Plano:

  • State Farm: $368 per year
  • Texas Farm Bureau: $382 per year

Dairyland offers the most expensive minimum coverage car insurance policy at $1,121 per year as of October 2022. State Farm also stands as the company with the cheapest car insurance in Texas, with an annual premium of about $300, $68 less than its price in Plano.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$332

$28

State Farm

$343

$29

State Farm

$368

$31

Texas Farm Bureau

$382

$32

Allstate

$422

$35

Allstate

$433

$36

State Farm

$450

$38

Mercury

$454

$38

Texas Farm Bureau

$487

$41

Mercury

$494

$41

AAA Texas

$527

$44

Allstate

$528

$44

Nationwide

$555

$46

AAA Texas

$561

$47

Nationwide

$582

$48

GEICO

$587

$49

Mercury

$589

$49

Progressive

$598

$50

Progressive

$613

$51

GEICO

$616

$51

State Farm

$656

$55

Texas Farm Bureau

$658

$55

Chubb

$664

$55

GEICO

$674

$56

AAA Texas

$676

$56

National General

$713

$59

State Farm

$716

$60

Foremost

$716

$60

Progressive

$721

$60

Chubb

$730

$61

National General

$737

$61

Nationwide

$785

$65

Texas Farm Bureau

$789

$66

Allstate

$822

$69

Foremost

$832

$69

Allstate

$888

$74

National General

$906

$76

Nationwide

$924

$77

State Farm

$927

$77

Texas Farm Bureau

$971

$81

Foremost

$981

$82

Mercury

$994

$83

GEICO

$1,008

$84

GEICO

$1,027

$86

AAA Texas

$1,037

$86

AAA Texas

$1,041

$87

Mercury

$1,048

$87

Dairyland

$1,090

$91

Dairyland

$1,121

$93

Nationwide

$1,133

$94

Allstate

$1,189

$99

GEICO

$1,204

$100

Chubb

$1,270

$106

Chubb

$1,282

$107

Dairyland

$1,332

$111

AAA Texas

$1,359

$113

Mercury

$1,362

$113

Nationwide

$1,373

$114

National General

$1,448

$121

Chubb

$1,454

$121

Progressive

$1,456

$121

Foremost

$1,471

$123

Progressive

$1,514

$126

Foremost

$1,570

$131

National General

$1,581

$132

National General

$1,772

$148

Progressive

$1,895

$158

Dairyland

$1,959

$163

Foremost

$1,974

$164

Dairyland

$2,192

$183

Chubb

$2,300

$192

Dairyland

$2,695

$225

In Texas, basic automobile insurance must cover bodily injury and property damage liability as follows:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

Suppose a minimum coverage policyholder causes an accident with $15,000 in physical injury and $20,000 in property damage. In that case, their insurance company will pay $15,000 of the $60,000 bodily injury liability per accident and $20,000 of the $25,000 property damage liability.

Cheapest Full Coverage Car Insurance in Plano

The cheapest car insurance companies for a full coverage policy in Plano are:

  • State Farm: $716 per year
  • Texas Farm Bureau: $789 per year

Dairyland offers the most expensive full coverage automobile insurance at a yearly premium of $2,192 as of October 2022. State Farm’s average price in Texas for full coverage auto insurance is $711, $5 less than its premium in Plano.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$332

$28

State Farm

$343

$29

State Farm

$368

$31

Texas Farm Bureau

$382

$32

Allstate

$422

$35

Allstate

$433

$36

State Farm

$450

$38

Mercury

$454

$38

Texas Farm Bureau

$487

$41

Mercury

$494

$41

AAA Texas

$527

$44

Allstate

$528

$44

Nationwide

$555

$46

AAA Texas

$561

$47

Nationwide

$582

$48

GEICO

$587

$49

Mercury

$589

$49

Progressive

$598

$50

Progressive

$613

$51

GEICO

$616

$51

State Farm

$656

$55

Texas Farm Bureau

$658

$55

Chubb

$664

$55

GEICO

$674

$56

AAA Texas

$676

$56

National General

$713

$59

State Farm

$716

$60

Foremost

$716

$60

Progressive

$721

$60

Chubb

$730

$61

National General

$737

$61

Nationwide

$785

$65

Texas Farm Bureau

$789

$66

Allstate

$822

$69

Foremost

$832

$69

Allstate

$888

$74

National General

$906

$76

Nationwide

$924

$77

State Farm

$927

$77

Texas Farm Bureau

$971

$81

Foremost

$981

$82

Mercury

$994

$83

GEICO

$1,008

$84

GEICO

$1,027

$86

AAA Texas

$1,037

$86

AAA Texas

$1,041

$87

Mercury

$1,048

$87

Dairyland

$1,090

$91

Dairyland

$1,121

$93

Nationwide

$1,133

$94

Allstate

$1,189

$99

GEICO

$1,204

$100

Chubb

$1,270

$106

Chubb

$1,282

$107

Dairyland

$1,332

$111

AAA Texas

$1,359

$113

Mercury

$1,362

$113

Nationwide

$1,373

$114

National General

$1,448

$121

Chubb

$1,454

$121

Progressive

$1,456

$121

Foremost

$1,471

$123

Progressive

$1,514

$126

Foremost

$1,570

$131

National General

$1,581

$132

National General

$1,772

$148

Progressive

$1,895

$158

Dairyland

$1,959

$163

Foremost

$1,974

$164

Dairyland

$2,192

$183

Chubb

$2,300

$192

Dairyland

$2,695

$225

A full coverage policy includes comprehensive and collision insurance.

  • Collision Insurance: Pays to repair or replace your car if it is damaged in an accident for which you are at fault. This insurance includes coverage for collisions with objects or other vehicles.
  • Comprehensive Insurance: Covers the cost to repair or replace your car if it is damaged in a non-collision-related occurrence. Examples include animal damage, weather-related mishaps, vandalism and theft.

If you drive an older car, getting full coverage insurance may not be cost-effective. The premium you'll be paying may be more than the car is worth.

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Cheapest Car Insurance in Plano After a Driving Offense

The cheapest auto insurance in Plano after a violation depends on the violation’s severity:

  • Speeding ticket: State Farm ($716 per year)
  • At-fault accident: State Farm ($898 per year)
  • DUI: State Farm ($1,335 per year)

Dairyland offers the highest rate after a speeding ticket, at $2,677; Foremost after an at-fault accident, at $3,376; and Chubb after a DUI, at $2,849. Note that having a poor driving record can affect your rates. Even the cheapest companies will raise their rates if you have incurred violations.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$332

$28

State Farm

$343

$29

State Farm

$368

$31

Texas Farm Bureau

$382

$32

Allstate

$422

$35

Allstate

$433

$36

State Farm

$441

$37

State Farm

$450

$38

State Farm

$470

$39

Texas Farm Bureau

$487

$41

Allstate

$528

$44

State Farm

$560

$47

Texas Farm Bureau

$607

$51

Mercury

$637

$53

Mercury

$652

$54

Texas Farm Bureau

$653

$54

State Farm

$656

$55

Texas Farm Bureau

$658

$55

Nationwide

$658

$55

Progressive

$660

$55

GEICO

$667

$56

Nationwide

$684

$57

State Farm

$684

$57

GEICO

$701

$58

AAA Texas

$709

$59

State Farm

$713

$59

State Farm

$716

$60

Progressive

$717

$60

Chubb

$718

$60

Allstate

$722

$60

Progressive

$724

$60

GEICO

$729

$61

Allstate

$742

$62

Texas Farm Bureau

$747

$62

AAA Texas

$754

$63

Mercury

$763

$64

Allstate

$772

$64

Mercury

$781

$65

Chubb

$788

$66

Progressive

$788

$66

Texas Farm Bureau

$789

$66

Allstate

$793

$66

Mercury

$794

$66

AAA Texas

$797

$66

Progressive

$798

$66

State Farm

$803

$67

Foremost

$806

$67

National General

$810

$68

GEICO

$813

$68

Allstate

$822

$69

National General

$822

$69

Mercury

$824

$69

State Farm

$833

$69

Texas Farm Bureau

$836

$70

AAA Texas

$836

$70

National General

$836

$70

AAA Texas

$848

$71

National General

$855

$71

Progressive

$863

$72

Texas Farm Bureau

$864

$72

Foremost

$866

$72

GEICO

$873

$73

Allstate

$888

$74

AAA Texas

$890

$74

GEICO

$893

$74

Nationwide

$898

$75

State Farm

$898

$75

Allstate

$906

$75

AAA Texas

$909

$76

State Farm

$927

$77

Nationwide

$927

$77

Foremost

$943

$79

Progressive

$946

$79

Nationwide

$963

$80

Mercury

$968

$81

Allstate

$968

$81

Texas Farm Bureau

$971

$81

Chubb

$993

$83

Foremost

$1,021

$85

AAA Texas

$1,022

$85

National General

$1,026

$86

National General

$1,030

$86

GEICO

$1,044

$87

GEICO

$1,045

$87

Progressive

$1,048

$87

AAA Texas

$1,072

$89

Foremost

$1,075

$90

Chubb

$1,090

$91

Progressive

$1,101

$92

Dairyland

$1,110

$93

National General

$1,118

$93

Texas Farm Bureau

$1,125

$94

State Farm

$1,132

$94

Foremost

$1,136

$95

Dairyland

$1,140

$95

GEICO

$1,141

$95

Mercury

$1,147

$96

Nationwide

$1,152

$96

Texas Farm Bureau

$1,157

$96

Nationwide

$1,158

$97

National General

$1,170

$97

Nationwide

$1,188

$99

Allstate

$1,189

$99

GEICO

$1,195

$100

GEICO

$1,197

$100

Nationwide

$1,233

$103

Mercury

$1,255

$105

State Farm

$1,270

$106

Chubb

$1,299

$108

Texas Farm Bureau

$1,318

$110

Nationwide

$1,322

$110

Texas Farm Bureau

$1,327

$111

GEICO

$1,333

$111

State Farm

$1,335

$111

National General

$1,340

$112

Allstate

$1,347

$112

Dairyland

$1,356

$113

Mercury

$1,365

$114

AAA Texas

$1,368

$114

Chubb

$1,373

$114

AAA Texas

$1,377

$115

Nationwide

$1,384

$115

Chubb

$1,384

$115

Allstate

$1,423

$119

Chubb

$1,427

$119

Allstate

$1,431

$119

Mercury

$1,436

$120

Dairyland

$1,445

$120

GEICO

$1,450

$121

GEICO

$1,476

$123

Allstate

$1,507

$126

AAA Texas

$1,522

$127

AAA Texas

$1,534

$128

Dairyland

$1,550

$129

Mercury

$1,554

$129

Nationwide

$1,563

$130

State Farm

$1,569

$131

Texas Farm Bureau

$1,572

$131

Chubb

$1,572

$131

Nationwide

$1,581

$132

AAA Texas

$1,592

$133

AAA Texas

$1,604

$134

Dairyland

$1,611

$134

GEICO

$1,612

$134

Texas Farm Bureau

$1,640

$137

Dairyland

$1,650

$138

National General

$1,679

$140

Foremost

$1,681

$140

Nationwide

$1,693

$141

Progressive

$1,708

$142

Mercury

$1,712

$143

Progressive

$1,732

$144

Mercury

$1,748

$146

Dairyland

$1,757

$146

Foremost

$1,769

$147

AAA Texas

$1,795

$150

National General

$1,798

$150

Foremost

$1,802

$150

Foremost

$1,806

$150

GEICO

$1,817

$151

Mercury

$1,820

$152

Progressive

$1,856

$155

Progressive

$1,887

$157

National General

$1,888

$157

GEICO

$1,894

$158

GEICO

$1,895

$158

National General

$1,898

$158

Chubb

$1,900

$158

Dairyland

$1,914

$160

Chubb

$1,916

$160

Allstate

$1,918

$160

Foremost

$1,950

$162

Nationwide

$1,959

$163

Dairyland

$1,980

$165

Texas Farm Bureau

$1,982

$165

AAA Texas

$2,000

$167

National General

$2,006

$167

Allstate

$2,022

$169

Mercury

$2,058

$171

Nationwide

$2,071

$173

AAA Texas

$2,091

$174

Progressive

$2,109

$176

Foremost

$2,109

$176

Nationwide

$2,171

$181

Chubb

$2,176

$181

Foremost

$2,188

$182

Dairyland

$2,211

$184

Foremost

$2,211

$184

National General

$2,232

$186

Progressive

$2,257

$188

National General

$2,311

$193

Foremost

$2,312

$193

Progressive

$2,362

$197

Progressive

$2,449

$204

Chubb

$2,484

$207

Chubb

$2,488

$207

Chubb

$2,508

$209

National General

$2,519

$210

Mercury

$2,537

$211

Mercury

$2,539

$212

National General

$2,559

$213

Nationwide

$2,587

$216

Dairyland

$2,670

$223

Dairyland

$2,677

$223

Dairyland

$2,719

$227

Progressive

$2,802

$233

Chubb

$2,849

$237

Dairyland

$3,023

$252

Dairyland

$3,064

$255

Dairyland

$3,155

$263

Foremost

$3,376

$281

Dairyland

$3,411

$284

Chubb

$3,437

$286

Foremost

$3,918

$327

Foremost

$4,015

$335

Chubb

$4,503

$375

Some violations cost more than others. For example, the average full coverage premium in Plano increases by $560 after a DUI but $264 after a speeding ticket. However, it is still possible to find cheap car insurance if you have a poor driving record.

Cheapest Car Insurance in Plano for Teens and Their Families

Plano's cheapest auto insurers for families adding teens to their policies are:

  • Nationwide: $1,620 (female) and $1,847 (male) per year
  • State Farm: $1,840 (female) and $2,225 (male) per year

Allstate has the highest prices, at $6,228 for females and $7,330 for men. Typically, insurance companies consider male teens a greater risk than their female counterparts. This disparity in rates by gender tends to narrow during the early adult years.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$654

$3,121

State Farm

$762

$3,636

State Farm

$781

$4,245

State Farm

$821

$3,917

Nationwide

$1,063

$2,426

Nationwide

$1,075

$2,610

State Farm

$1,093

$3,749

Nationwide

$1,123

$3,257

Nationwide

$1,190

$3,740

Nationwide

$1,197

$2,731

State Farm

$1,197

$4,495

Nationwide

$1,214

$3,048

State Farm

$1,227

$4,210

Nationwide

$1,261

$2,879

Nationwide

$1,271

$3,085

Nationwide

$1,283

$3,488

State Farm

$1,296

$5,193

Nationwide

$1,348

$3,272

State Farm

$1,350

$4,631

State Farm

$1,436

$6,200

State Farm

$1,462

$5,490

State Farm

$1,500

$5,716

Nationwide

$1,509

$5,307

Nationwide

$1,540

$6,238

Nationwide

$1,575

$4,566

Allstate

$1,580

$2,125

Nationwide

$1,620

$6,745

State Farm

$1,651

$7,039

GEICO

$1,655

$3,073

Nationwide

$1,655

$6,702

GEICO

$1,672

$3,708

GEICO

$1,676

$2,960

GEICO

$1,695

$3,148

GEICO

$1,700

$3,002

Allstate

$1,702

$2,190

Nationwide

$1,708

$6,788

GEICO

$1,711

$3,705

GEICO

$1,736

$3,384

Nationwide

$1,755

$7,896

GEICO

$1,770

$3,287

GEICO

$1,772

$3,394

Nationwide

$1,773

$5,571

State Farm

$1,785

$7,834

GEICO

$1,793

$3,167

State Farm

$1,798

$6,851

State Farm

$1,835

$7,823

State Farm

$1,840

$8,662

Nationwide

$1,847

$8,542

Nationwide

$1,887

$8,488

Allstate

$1,917

$2,577

Allstate

$1,947

$3,024

GEICO

$1,964

$4,966

GEICO

$1,981

$4,393

State Farm

$1,998

$8,798

GEICO

$2,039

$5,057

Allstate

$2,044

$2,747

Progressive

$2,050

$3,174

GEICO

$2,071

$4,485

GEICO

$2,131

$5,941

Progressive

$2,131

$5,200

Progressive

$2,133

$3,139

Foremost

$2,172

$3,573

State Farm

$2,218

$9,766

GEICO

$2,220

$6,109

State Farm

$2,225

$10,827

Foremost

$2,233

$3,074

Allstate

$2,235

$2,876

Allstate

$2,284

$3,519

Allstate

$2,308

$3,431

Progressive

$2,317

$5,629

Foremost

$2,340

$3,222

Foremost

$2,350

$3,382

Foremost

$2,371

$3,265

GEICO

$2,375

$6,624

Foremost

$2,400

$4,067

Foremost

$2,425

$3,227

Progressive

$2,432

$3,579

GEICO

$2,440

$7,850

Allstate

$2,463

$3,169

Progressive

$2,483

$3,844

GEICO

$2,514

$6,917

Progressive

$2,547

$7,059

Progressive

$2,568

$4,506

GEICO

$2,583

$8,297

Foremost

$2,606

$3,469

Progressive

$2,607

$4,872

Progressive

$2,619

$6,390

Progressive

$2,643

$3,889

Foremost

$2,656

$3,824

Allstate

$2,698

$4,008

Foremost

$2,718

$3,617

Progressive

$2,747

$4,253

Foremost

$2,867

$9,538

Progressive

$2,884

$8,057

Foremost

$2,948

$9,666

Foremost

$2,988

$9,943

Progressive

$3,021

$7,341

Allstate

$3,069

$5,553

Foremost

$3,102

$10,170

Allstate

$3,161

$4,698

Foremost

$3,179

$6,212

Foremost

$3,211

$6,293

Progressive

$3,237

$14,488

Foremost

$3,383

$14,289

Foremost

$3,520

$5,966

Foremost

$3,524

$14,825

Foremost

$3,589

$5,902

Progressive

$3,602

$16,260

Progressive

$3,617

$16,888

Allstate

$3,620

$6,575

Allstate

$3,735

$5,548

Progressive

$3,841

$17,192

Progressive

$3,979

$18,642

Progressive

$4,204

$18,973

Allstate

$4,697

$6,694

Allstate

$5,523

$7,884

Allstate

$5,751

$8,195

Allstate

$6,228

$11,735

Allstate

$6,762

$9,654

Allstate

$7,330

$13,853

Adding a teen driver to a family policy is cheaper than purchasing separate coverage. Individual insurance for a male teen in Plano can cost as much as $3,267 more annually versus adding him to the family policy.

A family plan premium in this state costs around $2,565 per year, while the average price for an individual teen is $5,131 per year. Adding young drivers to a parent's policy is one way to get the cheapest auto insurance for teens.

Cheapest Car Insurance in Plano for Military Drivers

The insurance companies offering the most affordable premiums for military members in Plano are:

  • State Farm: $716 per year
  • Texas Farm Bureau: $789 per year

USAA is another consideration, at around $855 annually for full coverage and $404 for minimum coverage. State Farm and Texas Farm Bureau are also the cheapest for minimum coverage, at $368 and $382 per year.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$332

$28

State Farm

$343

$29

State Farm

$368

$31

Texas Farm Bureau

$382

$32

USAA

$404

$34

Allstate

$422

$35

USAA

$431

$36

Allstate

$433

$36

State Farm

$450

$38

Mercury

$454

$38

USAA

$486

$40

Texas Farm Bureau

$487

$41

Mercury

$494

$41

AAA Texas

$527

$44

Allstate

$528

$44

Nationwide

$555

$46

AAA Texas

$561

$47

Nationwide

$582

$48

GEICO

$587

$49

Mercury

$589

$49

Progressive

$598

$50

Progressive

$613

$51

GEICO

$616

$51

State Farm

$656

$55

Texas Farm Bureau

$658

$55

Chubb

$664

$55

GEICO

$674

$56

AAA Texas

$676

$56

National General

$713

$59

State Farm

$716

$60

Foremost

$716

$60

Progressive

$721

$60

Chubb

$730

$61

National General

$737

$61

Nationwide

$785

$65

Texas Farm Bureau

$789

$66

Allstate

$822

$69

Foremost

$832

$69

USAA

$845

$70

USAA

$855

$71

Allstate

$888

$74

National General

$906

$76

Nationwide

$924

$77

State Farm

$927

$77

Texas Farm Bureau

$971

$81

Foremost

$981

$82

Mercury

$994

$83

GEICO

$1,008

$84

GEICO

$1,027

$86

AAA Texas

$1,037

$86

USAA

$1,040

$87

AAA Texas

$1,041

$87

Mercury

$1,048

$87

Dairyland

$1,090

$91

Dairyland

$1,121

$93

Nationwide

$1,133

$94

Allstate

$1,189

$99

GEICO

$1,204

$100

Chubb

$1,270

$106

Chubb

$1,282

$107

Dairyland

$1,332

$111

AAA Texas

$1,359

$113

Mercury

$1,362

$113

Nationwide

$1,373

$114

National General

$1,448

$121

Chubb

$1,454

$121

Progressive

$1,456

$121

Foremost

$1,471

$123

Progressive

$1,514

$126

Foremost

$1,570

$131

National General

$1,581

$132

National General

$1,772

$148

Progressive

$1,895

$158

Dairyland

$1,959

$163

Foremost

$1,974

$164

Dairyland

$2,192

$183

Chubb

$2,300

$192

Dairyland

$2,695

$225

How to Compare Cheap Plano Car Insurance Quotes Online

Getting an online quote for auto insurance can be time-consuming. You may be required to provide personal information and answer many questions. Alternatively, you can estimate your rates using our car insurance calculator, which considers your age, vehicle details, policy preferences and driving record.

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Best Car Insurance in Plano: Summary

The best car insurance for you will depend on your priorities for coverage, cost, service and more. MoneyGeek’s top recommendations for auto insurance in Plano, Texas, are:

  • Best overall: Texas Farm Bureau (MoneyGeek score of 79 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Texas Farm Bureau (MoneyGeek score of 79 out of 100)

Texas Farm Bureau is Texas’s best auto insurance. Also notable is USAA, which may suit those in the military. The company has a MoneyGeek score of 82 out of 100. Note that the overall MoneyGeek score is determined by how each factor is weighted for each category.

Best Overall Car Insurance in Plano

Overall, these are the top Plano auto insurance providers:

  • Texas Farm Bureau: MoneyGeek score of 79 out of 100 ($789 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($716 per year)

Texas Farm Bureau offers a strong value proposition in terms of customer satisfaction and affordability. If you are part of the military, consider getting insurance from USAA. It earned a MoneyGeek score of 82 out of 100.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

May exceed some expectations in service and price

Offers roadside assistance and rental car coverages

cons

Limited coverage and below-average claims handling

Doesn’t offer accident forgiveness and gap insurance

COMPANY HIGHLIGHTS

Texas Farm Bureau doesn't offer unique coverages, but it provides solid protection at a price that may be hard to beat. If you're in an accident or your car breaks down, you can get a rental car while yours is being repaired. Under its rental reimbursement add-on, the company covers all reasonable costs associated with temporary car rental up to the policy's maximum amount.

Roadside assistance helps you after any non-accidental mechanical, electrical or other system automobile breakdown. Help is available around the clock, so you never have to worry about being stranded on the road. Note, however, that the insurer only reimburses up to $120 in roadside service costs. Any amount over $120 is yours to shoulder.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Plano for Customer Service

Companies with the best customer service in Plano, according to our evaluation criteria (which excludes price), are:

  • Chubb: MoneyGeek score of 76 out of 100 ($1,454 per year)
  • Allstate: MoneyGeek score of 67 out of 100 ($1,471 per year)

Chubb excels in the areas of claims processing speed and customer happiness. This may be particularly attractive to people frustrated by longer-than-expected claims processing times or poor customer service at other insurance companies. However, Chubb is one of the most expensive companies in the Plano market, so policyholders pay a hefty amount for top-of-the-line service.

How was this MoneyGeek score calculated?

Chubb

pros

High scores in claims and customer satisfaction

Offers rental car reimbursement and original equipment manufacturer coverages

cons

More expensive than its competitors

Doesn’t offer gap insurance, accident forgiveness and roadside assistance

COMPANY HIGHLIGHTS

Unlike many of its competitors, Chubb lacks some essential coverages that can be helpful to a wide range of drivers: gap insurance, accident forgiveness and roadside assistance. The provider compensates for this through high-quality service and claims processing.

Chubb is one of the few insurers that cover the cost of factory-direct replacement components. This is crucial for those who want all repairs made with original parts after an accident. Chubb's rental car reimbursement coverage will reimburse you for renting a comparable vehicle if yours is not driveable due to a covered incident. It provides coverage up to $5,000, with no daily maximum.

Best Cheap Car Insurance in Plano

The following are the best options for minimum coverage policies in Plano:

  • Texas Farm Bureau: MoneyGeek score of 79 out of 100 ($382 per year)
  • State Farm: MoneyGeek score of 78 out of 100 ($368 per year)

The least costly minimum coverage plans can save you money in an accident. However, they provide little protection against liability expenses and no protection for the insured's car.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

An affordable minimum coverage policy costs $382 per year

Discounts for safe driving, bundling and multiple cars

cons

Doesn’t offer paperless and pay-in-full discounts

Unsatisfactory coverage and claims ratings

COMPANY HIGHLIGHTS

When it comes to car insurance in Plano, Texas Farm Bureau’s affordability and focus on customer service keep it at the top of the competition. The company can also help customers save money on insurance policies by offering easily attainable discounts. Its safe driving discount entitles you to a premium reduction if you've not filed claims for a certain period, an ideal option for those who have never had an accident or traffic violation.

The insurer's multiple-car discount is worth considering if you own two or more cars. The company will reduce your rate if you insure both vehicles with them at once (rather than separately). Quite similar is its bundling discount, which will give you a rate reduction if you bundle multiple policies with the company (for example, home and auto insurance).

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Plano

Various factors, including your location, determine car insurance premiums. For example, the average yearly rate for full vehicle insurance in Plano is $1,207 as of October 2022. This amount is roughly $58 less expensive than the national median price for car insurance and around $6 cheaper than the average cost of car insurance in Texas. These costs are based on a full coverage insurance policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.