The best car insurance in Plano, TX
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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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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.
Nicole Wakelin
Automotive journalist