In Plano, Amica provides the best home insurance, offering a strong mix of affordability, customer service and coverage options. If you are focusing on price, Farmers offers the lowest premiums at an average of $459 per month.
Cheap Home Insurance in Plano
Updated: June 8, 2025
Advertising & Editorial Disclosure
Key Takeaways
Amica provides the best overall value for homeowners in Plano, while Farmers delivers the most affordable coverage at $5,511 annually.
Home insurance in Plano costs an average of $588 per month or $7,053 per year.
To find the best and cheapest home insurance, assess your coverage needs, research providers and compare quotes thoroughly.
Best Cheap Home Insurance Companies in Plano
| Amica | 93 | $616 | $7,390 |
| Chubb | 89 | $711 | $8,532 |
| State Farm | 89 | $495 | $5,934 |
| Nationwide | 87 | $658 | $7,897 |
| Farmers | 86 | $459 | $5,511 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Plano Home Insurance Cost?
Home insurance costs in Plano depend on factors like your home's age, chosen coverage and personal profile. Rates range from $162 to $1,667 per month. Use the table below to explore rates tailored to your situation based on your home age and desired coverage level.
Data filtered by:Results filtered by:
Select
Age of Home:Newer Home
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $162 | $1,946 |
How to Get the Best Cheap Home Insurance in Plano
Finding affordable home insurance in Plano can be tough. We've crafted a step-by-step guide to help you discover the best options for cheap homeowners insurance that meet your needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs before shopping helps you compare apples to apples and keeps agents from pushing extras you don't want.
- 2
Research Cost and Discounts
Looking into average home insurance costs in Texas for various cities and profiles gives you a solid basis for evaluating potential savings. Knowing available discounts also ensures you find insurers offering the best rates.
- 3
Compare Company Offerings and Reputations
Evaluate additional coverages and company reputation beyond pricing for a comprehensive comparison. Use resources like J.D. Power, NAIC, Reddit and Trustpilot to assess reviews and service quality.
- 4
Compare Many Quotes Through Multiple Means
Comparing quotes side-by-side helps you identify the cheapest option for the same coverage. Since prices vary by source, use online tools, independent agents and captive agents for a well-rounded quote comparison.
Best Home Insurance in Plano: Bottom Line
The top three best and cheapest home insurance providers in Plano are Amica, Chubb and State Farm. While these are our recommendations, do your own research and compare multiple quotes from companies to find the best deal.
Plano Home Insurance: FAQ
Below, we've answered common questions about home insurance policies for Plano residents.
Who offers the best home insurance in Plano?
We recommend Amica as the best home insurance provider in Plano for its quality service and comprehensive coverage options. Additionally, consider quotes from Chubb, State Farm, Nationwide and Farmers.
Who has the cheapest home insurance in Plano?
Farmers offers the most affordable home insurance for the average homeowner in Plano, costing about $459 per month or $5,511 per year. However, rates can vary widely depending on your coverage level and home characteristics.
What does home insurance cost in Plano?
Home insurance in Plano ranges from $1,946 to $20,009 annually, with property age and coverage details influencing rates.
How We Decided the Best Cheap Home Insurance Companies in Plano
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Plano. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.