Compare Plano, TX Car Insurance Rates (2021)

Car insurance in Plano, TX averages $330 a month. Plano, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Plano car insurance rates, compare quotes from the top car insurance companies in Plano, TX.

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Laura Berry is a former State Farm insurance producer and insurance expert.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Plano, TX are $3,957/year
  • The cheapest car insurance company in Plano is USAA
  • The cheapest ZIP code in Plano is 75094

If you need to buy Plano, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Plano, TX is right here.

You’ll find Plano car insurance rates, the cheapest Plano, TX car insurance companies, and information on Texas car insurance laws. You can also compare Plano, Texas car insurance rates to Austin car insurance rates, Fort Worth car insurance rates, and Plano car insurance rates.

Ready to find affordable Plano, TX car insurance today? Enter your ZIP code for fast, free Plano car insurance quotes.

Cheapest Plano, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Plano, TX car insurance rates? Every Plano, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Plano, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,594 $3,614 $3,545 $3,545 $9,663 $11,633 $4,439 $4,607
American Family $2,765 $3,097 $2,642 $3,043 $7,780 $10,173 $4,058 $4,636
GEICO $2,598 $2,815 $2,508 $2,867 $5,848 $6,038 $2,823 $2,810
Nationwide $2,290 $2,324 $2,023 $2,139 $6,620 $8,487 $2,703 $2,923
Progressive $2,312 $2,210 $2,066 $2,101 $9,831 $10,981 $2,759 $2,817
State Farm $2,203 $2,203 $1,971 $1,971 $5,476 $7,013 $2,409 $2,477
USAA $1,590 $1,586 $1,526 $1,498 $4,607 $4,979 $2,113 $2,236

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Minimum Car Insurance in Plano, TX

Every driver must carry the minimum car insurance in Plano, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Plano, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Plano, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Plano, TX. Compare credit history car insurance rates in Plano from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Plano, Texas

Insurance Company Poor Fair Good
Allstate $7,083 $5,200 $4,458
American Family $6,506 $4,175 $3,641
GEICO $5,471 $3,090 $2,055
Nationwide $4,414 $3,558 $3,093
Progressive $4,922 $4,269 $3,963
State Farm $4,552 $2,835 $2,259
USAA $3,678 $2,143 $1,729

Cheapest Plano, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Plano, TX to rates for a clean record with top companies.

Annual Plano, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,288 $6,724 $7,021 $4,288
American Family $4,326 $5,578 $4,867 $4,326
GEICO $2,999 $3,993 $3,302 $3,860
Nationwide $3,199 $3,199 $4,743 $3,613
Progressive $3,824 $4,947 $4,460 $4,307
State Farm $2,836 $3,280 $3,910 $2,836
USAA $1,865 $2,774 $3,287 $2,141

Cheapest Plano, TX Car Insurance for Teen Drivers

Teen car insurance in Plano, TX can be expensive. Take a look at rates from the top car insurance companies in Plano for teenagers.

Annual Car Insurance Rates for Teen Drivers in Plano, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,663 $11,633
American Family $7,780 $10,173
GEICO $5,848 $6,038
Nationwide $6,620 $8,487
Progressive $9,831 $10,981
State Farm $5,476 $7,013
USAA $4,607 $4,979

Cheapest Plano, TX Car Insurance for Seniors

Take a look at Plano, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Plano, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,545 $3,545
American Family $2,642 $3,043
GEICO $2,508 $2,867
Nationwide $2,023 $2,139
Progressive $2,066 $2,101
State Farm $1,971 $1,971
USAA $1,526 $1,498

Cheapest Plano, TX Car Insurance Rates After a DUI

A DUI in Plano, TX increases car insurance rates. Compare Plano, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Plano, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,021
American Family $4,867
GEICO $3,302
Nationwide $4,743
Progressive $4,460
State Farm $3,910
USAA $3,287

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Cheapest Plano, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Plano, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Plano, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,439 $5,721
American Family $4,774 $4,774
GEICO $3,475 $3,602
Nationwide $3,689 $3,689
Progressive $4,385 $4,385
State Farm $3,215 $3,215
USAA $2,485 $2,548

Cheapest Plano, TX Car Insurance Rates by ZIP Code

Plano car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Plano, TX.

Annual Car Insurance Rates by ZIP Code in Plano, Texas

ZIP Code Average Annual Rates
75023 $5,821
75024 $5,997
75025 $5,787
75074 $5,780
75075 $5,773
75093 $5,849
75094 $5,687

The Best Cheap Car Insurance Companies in Plano, TX

Take a look at a side-by-side comparison of the top car insurance companies in Plano, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Plano, Texas

Insurance Company Average Annual Rates
Allstate $5,580
American Family $4,774
GEICO $3,539
Nationwide $3,689
Progressive $4,385
State Farm $3,215
USAA $2,517

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Category Winners: Cheapest Car Insurance in Plano, Texas

Find the cheapest car insurance companies in Plano, TX for each category right here.

Best Annual Car Insurance Rates by Company in Plano, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Plano, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Plano car insurance rates. Find the cheapest Plano, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Plano, Texas

Insurance Company Low Medium High
Allstate $5,450 $5,531 $5,759
American Family $4,452 $4,602 $5,269
GEICO $3,350 $3,501 $3,764
Nationwide $3,981 $3,534 $3,550
Progressive $4,212 $4,370 $4,572
State Farm $3,039 $3,209 $3,399
USAA $2,425 $2,507 $2,619

What affects car insurance rates in Plano, Texas?

What factors can have an impact on Plano, TX car insurance? There are several reasons why Plano car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Plano, Texas.

Car Theft in Plano

High levels of vehicle theft can make car insurance more expensive. Plano, TX car theft statistics from the FBI indicate 373 vehicle thefts a year.

Commute Time in Plano

The more time you spend in your car the higher the risk of an accident. The average commute length in Plano, TX is 26.8 minutes according to City-Data.

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Compare Car Insurance Quotes in Plano, TX

Ready to find affordable Plano, Texas car insurance today? Enter your ZIP code for fast, free Plano, TX car insurance quotes.

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