The best car insurance in Plano, TX

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.

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

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.

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

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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	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
Suspended license	$2,038	$1,792	$2,578	$2,589	$2,239
Open container	$5,024	$1,965	$1,425	$2,589	$1,811
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
Not showing documents	$1,226	$1,250	$1,425	$1,752	$1,811
Running a red light	$1,226	$1,250	$1,425	$1,752	$1,811
Failure to yield	$1,226	$1,250	$1,425	$1,752	$1,811
Following too closely	$1,226	$1,250	$1,425	$1,752	$1,811
Hit and run	$2,510	$2,078	$1,425	$2,420	$2,419
Illegal turn	$1,226	$1,250	$1,425	$1,752	$1,811
Improper passing	$1,226	$1,250	$1,425	$1,752	$1,811
Not-at-fault accident	$1,226	$1,250	$1,483	$1,465	$1,602
Passing a school bus	$1,226	$1,250	$1,425	$2,589	$1,811
Racing	$2,510	$2,078	$1,425	$2,589	$2,419
Reckless driving	$2,510	$2,078	$1,425	$2,589	$2,419
Speeding	$1,226	$1,250	$1,425	$2,589	$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. 

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

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.