The best car insurance in Plano, TX

Nicole Wakelin

By

Nicole Wakelin

Nicole Wakelin

Automotive journalist

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.

Published November 8, 2021

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A full coverage car insurance policy in Plano costs an average of $1,899 per year, about $59 more than the Texas state average of $1,840 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 $1,123 per year

  • The average cost of full coverage car insurance in Texas is $1,899 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

Texas Farm Bureau

$1,123

--

State Farm

$1,234

881

Germania Insurance

$1,320

--

GEICO

$1,472

871

USAA

$1,515

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

75023

$1,887

75024

$1,891

75025

$1,868

75074

$1,907

75075

$1,924

75093

$1,917

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

Texas Farm Bureau

State Farm

Germania Insurance

GEICO

USAA

At-fault Accident

$1,986

$1,506

$1,876

$2,339

$2,438

DUI

$5,024

$2,078

$3,281

$2,589

$2,419

Driving with a suspended license

$2,038

$1,792

$2,578

$2,589

$2,239

Driving with an open container

$5,024

$1,965

$1,425

$2,589

$1,811

Driving with expired registration

$1,226

$1,250

$1,425

$1,752

$1,811

Driving without Lights

$1,226

$1,250

$1,425

$1,752

$1,811

Failure to show documents

$1,226

$1,250

$1,425

$1,752

$1,811

Failure to stop at a red light

$1,226

$1,250

$1,425

$1,752

$1,811

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

$2,277

State Farm

$2,588

Germania Insurance

$2,621

Auto Club Group

$2,689

Nationwide

$2,729

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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

Who has the lowest car insurance rates in Kansas City?

USAA has the lowest insurance rates in the city, according to our analysis, at an average cost of $746 per year for full coverage.

How can I save money on my car insurance in Plano?

Make sure you keep your credit in good shape and avoid any driving violations to get the best rates. If your rates are going up, shop around and see if you can find a better price with another company.

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.

Does Texas require car insurance?

Texas requires car insurance for all registered vehicles. The minimum required amounts are $25,000 for property damage liability per accident, $30,000 for bodily injury liability per person, and $60,000 bodily injury liability per accident.

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.