Cheapest Auto Insurance in Plano, Texas (2026)
State Farm offers the cheapest car insurance in Plano, with liability rates of $54 per month.
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Elizabeth RivelliFreelance Insurance Writer
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
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Table of contents
The overall average monthly cost of car insurance in Plano is $167. This is consistent with the total Texas state average of $163 per month.
That’s at least partly because Plano is susceptible to some weather risks but generally escapes the strongest storms, like hurricanes.[1] As a result, Plano drivers pay cheaper premiums than drivers in some other parts of Texas, like Houston.
State Farm, Allstate, and Mile Auto are the cheapest car insurance companies for Plano drivers. However, while rates are lower in Plano, you can still reduce your car insurance costs even more by comparing quotes from multiple insurers.
Quick Facts
Texas allows insurers to review your credit history when assigning rates.
The average cost of full-coverage car insurance in Plano is $211 per month, while liability-only policies average $123 per month.
Plano had 4,936 motor vehicle accidents in 2022 — 14 of which were fatal, according to Texas Department of Transportation data.[2]
Cheapest car insurance companies in Plano
Many car insurance companies serve drivers in Plano, but not all insurers are the same. The best car insurance company for you will depend on your individual situation, coverage needs, and budget. That’s why it’s important to compare quotes from several insurers to find the best policy for you.
As you begin your search for insurance in Plano, keep the following three insurers in mind.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $101 | $57 | Affordable rates |
| USAA | 9.1 | $180 | $102 | Military members |
| GEICO | 9.2 | $181 | $94 | Discounts |
Disclaimer: Table data sourced from real-time Plano car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Plano may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordable rates: State Farm
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $109/mo |
4.0
Best choice in Plano, TXBased on 16,551 verified driver reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Plano for
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best in Plano for
Customer service
Competitive rates
Discounts for safe drivers
Showing 75 Texas reviews for Plano drivers - See all 7,299 State Farm reviews
William
Verified Review
Excellent
Reviewed in Texas on March 26, 2026
State Farm is a good, solid insurance company. Rates are competitive.
Norvell
Verified Review
Average
Reviewed in Texas on March 19, 2026
To add a second vehicle, the price increased, and they are always trying to upsell.
Colette
Verified Review
Love the staff
Reviewed in Texas on March 19, 2026
Very expensive.
Michael
Verified Review
State Farm is overpriced and customer service from agent is lacking
Reviewed in Texas on March 14, 2026
Poor response to billing questions. It takes a week to get answers. Charged a late fee when no bill was received.
Steven
Verified Review
Used to be great
Reviewed in Texas on March 11, 2026
They raise the monthly rate without letting you know. They just keep raising my rate, and no one will tell me why.
Johnny
Verified Review
Not worth the money.
Reviewed in Texas on March 7, 2026
The customer service agent is very rude, and the premiums are way too high for the coverage I wanted. They ask questions that have no regard to price.
Gordon
Verified Review
Too High Monthly Payments
Reviewed in Texas on March 5, 2026
The monthly payment is way too high. Even though I was with them for many years, the premium kept going up.
Arturo
Verified Review
Expensive Insurance
Reviewed in Texas on March 4, 2026
The insurance is okay, I guess. I've never had a claim, but they are very expensive. They are so expensive that it's getting to the point where I cannot afford it.
Tina
Verified Review
Price is too high
Reviewed in Texas on March 4, 2026
I've had my current car insurance company for over 30 years. They are okay. However, now that I'm retired and their prices keep going up, the fact that they are doing away with the defensive driving discount, and they don't offer any incentives for seniors or someone who doesn't drive as much, I had no choice but to switch companies. The new company will save me about $30.00 a month.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm offers some of the lowest average rates in Plano. The insurer also has some of the highest third-party ratings. In J.D. Power’s 2023 Auto Insurance Study, State Farm is rated above average for overall customer satisfaction in Texas.[3]The company also has an A++ financial strength rating from AM Best.
Pros
Cheapest average rates in Plano
Superior third-party ratings
Cons
Few endorsements available
Only offers gap insurance if you finance through State Farm Bank
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $194/mo |
4.9
Best choice in Plano, TXBased on 3,317 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Plano for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Plano for
Members of the military community
Outstanding customer service
Competitive rates
Showing 52 Texas reviews for Plano drivers - See all 1,517 USAA reviews
Scott
Verified Review
Way too expensive
Reviewed in Texas on March 29, 2026
Costs double the price of other insurers.
Esther
Verified Review
USAA Auto Insurance
Reviewed in Texas on March 24, 2026
The car insurance is very expensive. It is good insurance if you can afford it, but I am getting to where I can no longer afford it. I am looking around now for good insurance that I can afford and not break the bank. USAA is very good, but it's just too expensive for me.
Charles
Verified Review
Sparks's Review
Reviewed in Texas on March 8, 2026
They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!
Paul
Verified Review
Discount Restrictions
Reviewed in Texas on February 22, 2026
I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.
Alex
Verified Review
Poor
Reviewed in Texas on February 19, 2026
Be careful because they were raising rates on us.
Harvey
Verified Review
Overall Outstanding Service
Reviewed in Texas on February 18, 2026
Excellent and professional service. My minor complaint is that it is somewhat expensive.
William
Verified Review
Excellent
Reviewed in Texas on February 16, 2026
Great service, expensive.
Laura
Verified Review
25+ Years, Only 1 Small Claim
Reviewed in Texas on February 8, 2026
I have been with them for over 50 years and have only made one claim, so my experience has been good. However, I feel that the price is getting high, especially since I haven't had a claim in 40 years.
Edward
Verified Review
What happened to USAA Customer Service?
Reviewed in Texas on January 29, 2026
USAA used to be a customer-oriented organization focused on providing excellent service and reasonable prices to service military personnel. Over the years, rates have gone up on auto insurance, and multi-vehicle policies are one size fits all. In other words, if you have an older car you own and a newer vehicle that is financed, USAA automatically insures both vehicles with the same coverage. I have gone in and adjusted coverages only to have them raised just before renewal. Their bundle rates aren’t bad and are competitive, but their auto coverage is still higher than many competitors. It seems they’re all about profits, a far cry from the original mission statement and focus.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Plano drivers who are active-duty or retired military personnel can get excellent car insurance from USAA. The company sells car insurance only to members of the Armed Forces and their immediate family members. USAA stands out for its affordable premiums, excellent ratings, and discounts.
The company offers savings for smart students, accident-free drivers, garaging your vehicle on a military base, bundling your policies, insuring a car with certain safety features, and more.
Pros
Good selection of discounts
Low average rates in Plano
Cons
Only available to active-duty service members and veterans
Limited endorsements available
Best insurer for discounts: GEICO
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $87/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $191/mo |
4.0
Best choice in Plano, TXBased on 16,802 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Plano for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Plano for
Teen drivers
Cheap rates
Accident forgiveness
Showing 75 Texas reviews for Plano drivers - See all 7,536 GEICO reviews
Alejandro
Verified Review
They Couldn't Care Less
Reviewed in Texas on March 26, 2026
The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?
Laura
Verified Review
Insurance is Theft
Reviewed in Texas on March 26, 2026
Still costs too much but less than everyone else.
John
Verified Review
Good
Reviewed in Texas on March 21, 2026
I would say I have had an overall good experience.
Jaquelyn
Verified Review
I can't find anything less expensive
Reviewed in Texas on March 18, 2026
Cheapest I have found so far. Have not had a claim, so can't comment on that process.
Bombshell
Verified Review
Up, up, always up!
Reviewed in Texas on March 18, 2026
I would say don't do it! They are increasing my liability and uninsured motorist coverage for a 2005 Nissan Sentra. I'm 57 years old with no tickets or accidents, and yet I'm paying over $170 for not full coverage! It went up! I'm looking for another insurance company.
Israel
Verified Review
Can't Complain
Reviewed in Texas on March 15, 2026
I've been a GEICO customer for twenty years and I have a great relationship with the company. I know you can't compete with them. Amen.
Sharon
Verified Review
A very excellent experience. Great everything.
Reviewed in Texas on March 13, 2026
Excellent company, policies, discounts, and great service. Our agent in San Antonio, TX was top-notch.
Rudy
Verified Review
Look elsewhere
Reviewed in Texas on March 12, 2026
Extremely expensive and no incentive to stay with them.
James
Verified Review
Geico Is Not Cost Efficient
Reviewed in Texas on March 9, 2026
I have used Geico since 2006 on and off, and this will be my last time. They are notorious for raising my premium every renewal time. This very month I paid $188.00, and my renewal for March is $244.47—a fifty-six dollar a month increase on a 2022 Chevrolet Trax. I am on a dire fixed income and cannot afford this. I will never use Geico again. I need cheap insurance with full coverage.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re looking for a car insurance company with numerous discounts, GEICO is a good insurer to consider. GEICO offers discounts for safe drivers, smart students, federal employees, military personnel, bundling policies, insuring multiple vehicles, taking a defensive driving course, insuring a car with airbags or daytime running lights, and more. GEICO also has below-average rates for drivers in Plano.
Pros
Cheap average rates for Plano drivers
Many discounts for additional savings
Cons
Doesn’t offer many endorsements
Rated below average for customer satisfaction
How to get the cheapest car insurance in Plano
Car insurance rates are personalized depending on factors like your age, credit history, ZIP code, marital status, and driving record. Additionally, car insurance companies charge different rates for the same types of coverage.
Fortunately, you have several ways to lower your car insurance costs, including the following:
Raise your deductible. Your deductible is the out-of-pocket cost you must pay when you have a claim. Choosing a higher deductible will reduce your monthly premium.
Bundle your policies. Most insurance companies offer a generous discount if you purchase multiple insurance products, like car insurance with homeowners insurance or renters insurance.
Take a defensive driving course. Taking an approved defensive driving course can often help you save money on car insurance.
Pay in full. You can typically get cheap car insurance in Plano if you pay your annual premium up front in a lump sum.
Compare rates. It’s a good idea to get quotes from multiple insurance companies to find the most affordable policy for your unique situation.
Find Cheap Car Insurance in Plano, Texas
Rates start at $54 per month for liability coverage
Excellent
4.7 out of 5 based on 13,041 reviews
Secure. Free. Easy-to-use.
Cheapest liability-only car insurance in Plano: State Farm
Liability car insurance covers your financial responsibility when you cause a car accident that results in someone else’s bodily injuries or property damages. However, it doesn’t provide any coverage for your own medical bills or vehicle repairs.
State Farm is the cheapest insurance company for liability-only coverage in Plano, based on Insurify rate data. State Farm’s lowest minimum-coverage rate is $54 per month.
On average, liability insurance costs Plano drivers $123 per month. Below, you can see the cheapest liability-only insurance companies in Plano.
The below rates in Plano, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $54 |
| Allstate | $76 |
| Mile Auto | $77 |
| Progressive | $81 |
| GEICO | $87 |
| USAA | $96 |
| Mercury | $107 |
| First Acceptance | $112 |
| The General | $113 |
| Alinsco | $117 |
| Freedom National | $119 |
| Lone Star | $119 |
| Nationwide | $120 |
| Dairyland | $122 |
| Commonwealth Casualty | $123 |
| GAINSCO | $127 |
| Clearcover | $128 |
| Root | $128 |
| Bristol West | $129 |
| Mendota | $131 |
| Covercube | $132 |
| AssuranceAmerica | $137 |
| Safeco | $144 |
| Direct Auto | $145 |
| Sun Coast | $145 |
| National General | $147 |
| Loop | $151 |
| Elephant | $153 |
| Chubb | $163 |
| Trexis One | $165 |
| 21st Century | $188 |
| Liberty Mutual | $232 |
Disclaimer: Table data sourced from real-time Plano car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Plano may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Plano: State Farm
Full-coverage auto insurance provides more coverage than liability-only insurance. A full-coverage policy includes collision and comprehensive insurance.
Collision covers repairs to your vehicle when you collide with another car or an object such as a tree, fence, or light pole. Comprehensive pays to repair your car after damage from non-collision incidents, such as theft, vandalism, hail, or flooding.
Full coverage is optional for most drivers. However, it’s often a requirement if you lease or finance your vehicle.
On average, full coverage costs Plano drivers $211 per month. Here are the cheapest companies for full-coverage car insurance in Plano.
The below rates in Plano, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $109 |
| Allstate | $154 |
| Progressive | $155 |
| Mile Auto | $170 |
| Mercury | $178 |
| GEICO | $191 |
| USAA | $194 |
| Root | $218 |
| Safeco | $220 |
| Clearcover | $229 |
| Alinsco | $236 |
| Direct Auto | $236 |
| Elephant | $243 |
| Nationwide | $244 |
| GAINSCO | $252 |
| National General | $252 |
| Bristol West | $255 |
| The General | $264 |
| Mendota | $265 |
| AssuranceAmerica | $273 |
| First Acceptance | $282 |
| Commonwealth Casualty | $284 |
| Loop | $287 |
| Sun Coast | $289 |
| Lone Star | $293 |
| Dairyland | $309 |
| Covercube | $317 |
| Freedom National | $322 |
| Chubb | $330 |
| Liberty Mutual | $347 |
| Trexis One | $350 |
| 21st Century | $381 |
Disclaimer: Table data sourced from real-time Plano car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Plano may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Plano, Texas
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $86/mo for full coverage in Plano and other Texas cities.
*Quotes generated for Insurify users in and around Plano, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Plano, Texas within the last 10 days. Last updated on March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 31, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Texas
Car insurance is legally required for all vehicle owners in Texas, and drivers must carry a minimum amount of coverage. Drivers need to have liability insurance with policy limits of at least 30/60/25.[4]
Because Texas is a fault state, the at-fault driver’s insurance compensates the other party for their bodily injury and property damage losses.
Here’s a look at the minimum insurance requirements to drive legally in Texas:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $30,000 per person / $60,000 per accident |
| Property damage liability | $25,000 per accident |
In addition to the required coverages listed above, you may also benefit from optional coverages. Here are some of the most common car insurance endorsements you might consider:
Roadside assistance coverage
This policy covers basic roadside vehicle services, like flat tire changes, battery replacements, fuel delivery, and towing up to a certain distance.
Rental car reimbursement coverage
If your vehicle needs to be repaired after a covered claim, this policy will cover a rental car for a certain period of time.
Gap insurance
If you lease or finance your vehicle and it gets totaled, gap insurance can help pay the remaining balance of your loan.
Accident forgiveness
This coverage ensures your first at-fault accident won’t affect your car insurance premium. However, you’ll generally need to have a clean driving record for at least three years to be eligible for this coverage.
Cheapest car insurance for drivers with an incident
Drivers with an incident on their record, like a speeding ticket or at-fault accident, generally pay the highest rates for coverage because insurers deem them riskier to insure. More serious violations, like driving under the influence, usually have the biggest effect on auto insurance rates and could cause some insurers to drop coverage altogether.
In the chart below, you can see how individual incident types affect liability rates in Plano.
The below rates in Plano, TX, are estimated rates current as of: Tuesday, March 31 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket | With At-Fault Accident | With DUI |
|---|---|---|---|---|
| State Farm | $54 | $68 | $71 | $77 |
| Allstate | $76 | $99 | $102 | $109 |
| Mile Auto | $77 | $94 | $103 | $110 |
| Progressive | $81 | $101 | $106 | $111 |
| GEICO | $87 | $113 | $113 | $123 |
| USAA | $96 | $124 | $128 | $137 |
| Mercury | $107 | $149 | $161 | $159 |
| First Acceptance | $112 | $140 | $147 | $154 |
| The General | $113 | $151 | $155 | $161 |
| Alinsco | $117 | $146 | $154 | $160 |
| Freedom National | $119 | $148 | $156 | $163 |
| Lone Star | $119 | $148 | $156 | $163 |
| Nationwide | $120 | $155 | $161 | $171 |
| Dairyland | $122 | $152 | $161 | $174 |
| Commonwealth Casualty | $123 | $145 | $162 | $176 |
| GAINSCO | $127 | $151 | $162 | $181 |
| Clearcover | $128 | $165 | $186 | $183 |
| Root | $128 | $170 | $171 | $183 |
| Bristol West | $129 | $162 | $169 | $184 |
| Mendota | $131 | $163 | $172 | $180 |
| Covercube | $132 | $164 | $173 | $181 |
| AssuranceAmerica | $137 | $174 | $182 | $196 |
| Safeco | $144 | $189 | $201 | $219 |
| Direct Auto | $145 | $181 | $197 | $207 |
| Sun Coast | $145 | $181 | $191 | $199 |
| National General | $147 | $182 | $195 | $210 |
| Loop | $151 | $188 | $198 | $207 |
| Elephant | $153 | $183 | $199 | $219 |
| Chubb | $163 | $207 | $215 | $233 |
| Trexis One | $165 | $206 | $217 | $226 |
| 21st Century | $188 | $247 | $254 | $252 |
| Liberty Mutual | $232 | $294 | $307 | $332 |
Disclaimer: Table data sourced from real-time Plano car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Plano may vary based on the policy buyer's unique driver profile.
Average cost of car insurance by age
Age is one of the biggest factors that affect your car insurance premium. Young drivers and teen drivers usually pay higher insurance rates because they lack experience behind the wheel. Teens also have a higher accident rate than any other age group.[5]
Rates then usually decrease around age 35 before rising again around age 70. Data shows that senior drivers are more likely to be involved in injury and fatal collisions than middle-aged drivers, which makes them more risky to insure.[6]
In the table below, you can see the average quotes for car insurance for Plano drivers in different age groups.
Age | Average Monthly Quote |
|---|---|
| Teens | $403 |
| 20s | $280 |
| 30s | $206 |
| 40s | $184 |
| 50s | $161 |
| 60s | $151 |
| 70s | $164 |
Disclaimer: Table data is based on real-time Plano quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
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Plano car insurance quotes by credit tier
Texas allows car insurance companies to use credit-based insurance scores. Insurers calculate these scores based on your personal credit history. Plano drivers with excellent or good credit typically pay lower rates than drivers with poor credit.
Here, you can see the average monthly car insurance rates in Plano based on your credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Plano car insurance FAQs
Looking for more information to help you find the best car insurance rates in Plano? Consult the answers below.
How much is car insurance in Plano?
The total average rate for car insurance in Plano is $167 per month. The average rate for liability-only coverage is $123 per month, and the average rate for full-coverage insurance is $211 per month.
Who has the cheapest car insurance in Plano?
State Farm offers the cheapest car insurance in Plano, at a rate of $54 per month. You can also find affordable car insurance rates from Allstate and Mile Auto, which offer liability rates of $76 and $77, respectively. Keep in mind that the best way to find the best policy for you is to compare quotes from several insurers.
What are the best car insurance companies in Plano?
State Farm, USAA, and GEICO rank as three of the top insurers in Plano. These insurers offer some of the area’s most competitive rates, and each has been recognized for its customer service, financial strength, and discounts offered.
Methodology
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Risk Factor. "Does Plano have Wind Risk?."
- Texas Department of Transportation. "Crashes and Injuries, Cities and Towns."
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- Texas Department of Insurance. "Shopping for auto insurance: What to know before you buy a policy."
- CDC. "Teen Drivers and Passengers: Get the Facts."
- CDC. "Older Adult Drivers."
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Elizabeth RivelliFreelance Insurance Writer
5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Featured in
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
Chris SchaferDeputy Managing Editor, News and Marketing Content
15+ years in content creation
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.