Plano drivers pay an average of $119 per month on car insurance. However, several factors may influence a difference in your rates. Plano auto insurance companies consider age, location, credit level, and gender when calculating quotes. You can compare the best cheap car insurance quotes in Plano today with Insurance Online. Read on to learn more about how you can save on your next policy!

Jump to Plano car insurance rates by:

• Insurance Company
• Age Bracket
• Driving History
• Credit Score
• Location
• Weather Conditions

Average Car Insurance Rates in Plano, TX

The average rate of car insurance in Plano annually is $1,428. It is slightly higher than the statewide average of $1,415, but less expensive than the nation’s average of $1,548. However, every company provides personalized deals and policies. Therefore, it is best to compare multiple car insurance companies in Plano to get the lowest rate that best suits your driver’s profile.

Plano Car Insurance Rates by Company

USAA has the most affordable car insurance rates in Plano. Going for the cheapest plan is not always an option if you reside in Plano areas that are prone to theft, crime, or potential driving hazards. Also, if you have a past violation record, it you will likely have higher rates. However, if you have a clean driving record, your insurance rates will likely be cheaper.

Plano Car Insurance Rates by Company

Plano Car Insurance Rates by Age Bracket

The driver’s age is accounted for by insurance companies in Plano to judge their driving capabilities. Plano drivers in their fifties pay the lowest rates, while drivers in their sixties pay significantly higher rates. However, teenage drivers in Plano, are seen as high-risk drivers. Therefore, they have the most expensive rates, with a substantial price gap between other age groups. However, teenagers will be entitled to a significant rate decrease on their 20th birthday.

Plano Car Insurance Rates By Age Group

Plano Car Insurance Premiums by Marital Status and Gender

Marital status influences car insurance rates in Plano. Many married drivers in Plano pay lower rates than single drivers. Married drivers are considered more responsible on the road and more financially stable. Widowed drivers also pay lower rates than single drivers.

Additionally, male drivers in Plano, pay $5 more than female drivers. Female drivers are considered more responsible drivers than males. As such, female drivers are given a $5 price cut on their insurance rate.

Plano Car Insurance Cost by Marital Status and Gender

Plano Car Insurance Rates for Drivers with Bad Driving History

Your driving record in Plano substantially impacts your car insurance rates. Reckless driving citations and speeding tickets will impact your annual rates, as well.

Reckless driving citations will result in an additional $806 on your insurance rates, while speeding tickets will result in $121 higher rates. DWI/DUI violations will add to $823 your annual rate. Therefore, it is essential to maintain a clean driving history to access cheaper car insurance rates in Plano.

Plano Car Insurance Rates by Violation Record

Plano Car Insurance Rates by Credit Level

Credit score is another basis car insurance companies in Plano use to determine rates. If the driver significantly elevates their credit score from “Very Poor” (300-579) to “Exceptional” (800-850), it can result in as much as 61% savings on their car insurance premium. Moreover, taking a small step towards “Fair” credit from the “Very Poor” tier will also earn you a significant amount of savings on your insurance’s yearly rate, of up to $1,250. Plano drivers can save on their car insurance rates by improving their credit tier.

Plano Car Insurance Rates by Credit Level

Car Insurance Rates by Location in Plano, TX

Location is another contributing factor to your car insurance rates in Plano. If you live in areas considered high-risk, it is likely for your car insurance prices to increase. Certain places in Plano are prone to accidents, theft, crime, and uninsured motorists. These areas have more expensive rates by 6% ($77) than areas considered lower-risk in Plano.

Plano Car Insurance Rates by ZIP Code

Plano Driving and Weather Conditions

Weather conditions cause car accidents in Plano. Drivers experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather.

Plano experiences an average of 73 rainy days annually, with occasional thunderstorms and flash floods.

List of Car Insurance Companies in Plano

Plano Car Insurance FAQs

Is it possible to get reimbursed after three years for rear-end collision damage in Plano?

If you filed a claim, you would still be reimbursed. It is essential to get in touch with the other party’s insurance company as soon as you can.

How can I file a claim with my company against an at-fault driver in Plano?

It is best to contact your insurance company first and speak with a claim adjuster. If you feel like the claim is not enough for the damages to your car, you can file a dispute with your policy provider.

Is it possible for me to claim a stolen car in Plano even though my son gave permission to his friend to drive my vehicle?

The first thing you need to do is to report for a stolen vehicle before filing a claim. Then, your insurance company will handle all the remainder of the claim if you own comprehensive coverage.