Plano, TX Car Insurance

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By Sandra Cruz | Updated March 9, 2021

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!

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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

Company Name Monthly Rate Yearly Rate
USAA $101 $1,210
State Farm $103 $1,234
GEICO $111 $1,332
Allstate $196 $2,352

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

AGE GROUP Monthly Rate Annual Rate
Teenagers $309 $3,704
20s $155 $1,863
30s $117 $1,406
40s $114 $1,369
50s $104 $1,244
60s $108 $1,290
70s $133 $1,597

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

Gender Monthly Rate Yearly Rate
Female $119 $1,423
Male $119 $1,428
Marital Status Monthly Rate Yearly Rate
Single $111 $1,337
Married $111 $1,337
Divorced $119 $1,428
Widowed $109 $1,303

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

Violation Monthly Rate Annual Rate
DWI/DUI $188 $2,251
Reckless Driving $186 $2,234
At-Fault Accident (less than $1000 damages) $152 $1,827
At-Fault Accident (greater than $2000 damages) $181 $2,175
Speeding Ticket (over 16-20 mph over speeding limit) $129 $1,564

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

Credit Score Monthly Rate Annual Rate
Very Poor $253 $3,033
Fair $149 $1,783
Good $119 $1,428
Very Good $110 $1,324
Exceptional $98 $1,171

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 ZIP Codes with Expensive Rates Plano ZIP Codes with Cheaper Rate
75024 75023
75093 75025
75075 75094
75074 75024

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

21st Century
Aggressive Insurance
AmWINS Heritage
Amica Mutual Insurance
Assurance America
Bristol West
Cal Casualty
Commonwealth Casualty
Direct Auto
Germania Mutual
Jupiter Auto
Kemper Auto
Kemper Preferred
Lamar General Agency
Liberty Mutual
National General
Pronto Flex
Safe Auto
Safeway Insurance Company
State Auto
State Farm
Texas Farm Bureau
The General
The Hartford

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.

Sandra Cruz

Sandra Cruz | Linkedin

Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.