The best car insurance in Plano, TX

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Nicole WakelinNicole WakelinAutomotive journalistNicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country. Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast. Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.&Andrew HurstAndrew HurstSenior Editor & Licensed Auto Insurance ExpertAndrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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A full coverage car insurance policy in Plano costs an average of $1,877 per year, about $59 more than the Texas state average of $1,818 per year — but rates vary from company to company, which is why it’s so important to compare multiple quotes before picking a policy.

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Policygenius can help you see multiple options at once, so you can choose the coverage that’s best for you and your wallet.

Key takeaways

  • Texas Farm Bureau has the lowest average rates for full coverage car insurance in Plano at $1,130 per year.

  • The average cost of full coverage car insurance in Texas is $1,818 a year.

  • Texas requires minimum liability coverage of $25,000 for property damage per accident, $30,000 bodily injury liability per person, and $60,000 bodily injury per accident.

Cheapest car insurance companies in Plano, TX

The cost of car insurance can vary depending on where you live, your age, your past driving history, and the kind of car you drive. But insurance companies each have a different method for setting rates, so you may get two very different rates from two companies for similar coverage.

Company

Average cost

JD Power Rating

Farm Bureau

$1,130

--

State Farm

$1,138

882

Redpoint County Mutual

$1,260

--

Germania Insurance

$1,444

--

USAA

$1,497

890

Cheapest car insurance rates by ZIP code in Plano, TX

Where you live is one of the biggest factors in how much you’ll pay for car insurance. Everything from the availability of on-street parking and rates of theft and vandalism to the number of accidents and traffic tickets issued in your neighborhood affect your rates. 

ZIP code

Average cost

75025

$1,842

75024

$1,863

75023

$1,872

75074

$1,890

75093

$1,893

75075

$1,905

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Choosing the right car insurance company in Plano, TX

Choosing the right car insurance company all boils down to a few key factors:

  • Cost: Get quotes from multiple car insurance companies so you don’t end up paying too much for your insurance

  • Coverage: The more coverage you buy, the better protected you’ll be in case of an accident

  • Service: Check ratings for things like claims satisfaction and customer service, those things can matter a lot if you ever have to file a claim 

Policygenius takes the pain out of the process by showing you rates from multiple insurers so you can compare coverage and choose the best option for you.

Car insurance rates for drivers with driving violations in Plano, TX

Your driving history can have a big impact on how much you pay for car insurance. Even a single speeding ticket can bump up your rates, so try to avoid violations and you’ll get a better rate.

Violation

Farm Bureau

State Farm

Redpoint County Mutual

Germania Insurance

USAA

At-fault accident

$1,996

$1,379

$1,260

$2,039

$2,438

DUI

$2,427

$1,879

$1,260

$3,540

$2,419

Suspended license

$1,233

$1,629

$1,260

$2,789

$2,239

Open container

$2,427

$1,778

$1,260

$1,557

$1,811

Expired registration

$1,233

$1,152

$1,260

$1,557

$1,811

Driving without lights

$1,233

$1,152

$1,260

$1,557

$1,811

Running a red light

$1,233

$1,152

$1,260

$1,557

$1,811

Following too closely

$1,233

$1,152

$1,260

$1,557

$1,811

Hit and run

$1,233

$1,879

$1,260

$3,540

$2,419

Not-at-fault accident

$1,233

$1,152

$1,260

$1,619

$1,602

Passing a school bus

$1,233

$1,152

$1,260

$1,557

$1,811

Reckless driving

$1,233

$1,879

$1,260

$3,540

$2,419

Speeding

$1,233

$1,152

$1,260

$1,557

$1,811

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Cheapest car insurance for drivers with bad credit in Plano, TX

A bad credit history can have you paying more for your car insurance, but some companies offer better rates than others for drivers with poor credit. 

Company

Rates for drivers with bad credit

Redpoint County Mutual

$1,260

Auto Club

$2,779

USAA

$2,816

Farm Bureau

$2,829

Nationwide

$2,839

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Buying car insurance in Plano, TX

Insurance is required in Texas in order to register a vehicle. The minimum amount of coverage you must have is:

  • $25,000 for property damage liability per accident

  • $30,000 for bodily injury liability per person/$60,000 per accident

Even if you don’t drive your car much, if it’s registered in Texas, then it must be insured.

How to get cheap car insurance in Plano, TX

  • Drive safely: Drive carefully to avoid accidents and speeding tickets and your rates will be lower

  • Compare companies: Get quotes from multiple insurance companies to find the best offer

  • Don’t miss out on discounts: Ask about reduced rates that might apply to you, like discounts for low mileage drivers, good students, and for professional groups including firefighters and teachers

  • Bundle policies: Get coverage for your home or condo from the same insurer and you could save on both policies

Frequently asked questions

What is the cheapest car insurance in Plano, Texas?

Texas Farm Bureau is the cheapest car insurance company in Plano, Texas at $1,130 per year. Drivers may also find cheap coverage with State Farm.

How much is car insurance in Plano, Texas?

On average, the cost of car insurance in Plano, Texas, is $156 per month. This makes the cost of coverage in Plano slightly more expensive than the average premium in Texas.

How much insurance is required in Plano, Texas?

Texas requires car insurance for all registered vehicles. Drivers in Plano must carry at least $25,000 for property damage liability per accident, $30,000 for bodily injury liability per person, and $60,000 bodily injury liability per accident.

Is Texas a no-fault state?

Texas is not a no-fault state. The insurance of the driver determined to be at-fault for an accident will pay everyone’s expenses.

Methodology

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Authors

Nicole Wakelin is an automotive journalist who has covered the industry for over a decade. She’s always loved cars and the fact that they regularly hand her the keys to shiny new automobiles so she can write about them is a constant source of amazement. She covers breaking news, writes reviews, and attends auto shows and new vehicle launches across the country.

Her work has appeared in a wide range of publications both online and in print. These include U.S. News & World Report, The Boston Globe, TrueCar, Kelley Blue Book, and Autobytel. In addition, she speaks to all things automotive at conferences, on the radio, and on podcasts, including co-hosting the weekly Wheel Bearings Podcast.

Nicole is a current member and former Vice President of the New England Motor Press Association. She is also a juror for both the Women’s World Car of the Year and the North American Car, Truck and Utility of the Year.

Andrew Hurst is a senior editor and a licensed auto insurance expert at Policygenius. His work has also been featured in The New York Times, The Wall Street Journal, Forbes, USA Today, NPR, Mic, Insurance Business Magazine, ValuePenguin, and Property Casualty 360.

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