Cheapest Auto Insurance in Plano, Texas (2026)

The overall average monthly cost of car insurance in Plano is $166. This is consistent with the total Texas state average of $159 per month. 

That’s at least partly because Plano is susceptible to some weather risks but generally escapes the strongest storms, like hurricanes.^[1] As a result, Plano drivers pay cheaper premiums than drivers in some other parts of Texas, like Houston.

State Farm, Allstate, and Mile Auto are the cheapest car insurance companies for Plano drivers. However, while rates are lower in Plano, you can still reduce your car insurance costs even more by comparing quotes from multiple insurers. 

Cheapest car insurance companies in Plano

Many car insurance companies serve drivers in Plano, but not all insurers are the same. The best car insurance company for you will depend on your individual situation, coverage needs, and budget. That’s why it’s important to compare quotes from several insurers to find the best policy for you.

As you begin your search for insurance in Plano, keep the following three insurers in mind.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$84	$43	Affordable rates
USAA	9.1	$150	$78	Military members
GEICO	9.2	$147	$70	Discounts

Disclaimer: Table data sourced from real-time Plano car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Plano may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for affordable rates: State Farm

Affordable Rates

Compare Quotes

User Reviews	4.0 17,303 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$53/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$109/mo

Details

Driver Reviews

4.0

Best choice in Plano, TXBased on 17,303 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Plano for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Plano for

Customer service

Competitive rates

Discounts for safe drivers

Showing 75 Texas reviews for Plano drivers - See all 7,420 State Farm reviews

Steve

Verified Review

Good insurance until...

Reviewed in Texas on April 21, 2026

State Farm was good until I added a new car, and then things got ridiculously priced. I switched, and now my home insurance is about to be switched from State Farm.

Jeri

Verified Review

Progressive vs State Farm

Reviewed in Texas on April 20, 2026

I wish I could have stayed with State Farm; however, finances rule these days, so I had to switch to Progressive. By doing that, I saved over $200/month. So far, I have not had to use Progressive for anything yet.

Edward

Verified Review

Good, but…

Reviewed in Texas on April 17, 2026

Good, but it's getting too expensive, even with no accidents or tickets.

Geralyn

Verified Review

Good customer service

Reviewed in Texas on April 14, 2026

Fair and affordable.

Justina

Verified Review

Average

Reviewed in Texas on April 13, 2026

The cost of insurance keeps going up.

Juan

Verified Review

Recently, almost all vehicle insurance companies are falsely quoting prices for senior citizens. My example: I'm 76 years old, travel less than 16 miles per month, have my truck in a carport, and have been given false quotes of as little as $39 per month. When I call, the least amount I'm quoted is $250. All I need is liability insurance and no home insurance.

Reviewed in Texas on April 12, 2026

Recently, almost all vehicle insurance companies are falsely quoting prices for senior citizens. My example: I'm 76 years old, travel less than 16 miles per month, have my truck in a carport, and have been given false quotes of as little as $39 per month. When I call, the least amount I'm quoted is $250. All I need is liability insurance and no home insurance.

Mark

Verified Review

Average

Reviewed in Texas on April 9, 2026

The cost is too high; it has increased by 300% in 3 years.

Lawrence

Verified Review

Fast and Easy

Reviewed in Texas on April 9, 2026

It was super easy and fast online. Setting it up was easy as well. Yes, I would tell a friend to use them.

John

Verified Review

Safe Driver and Good Customer

Reviewed in Texas on April 8, 2026

I've never had lower rates in all my years with no claims; they always go higher. We had a claim, but not a lot because we carry a high deductible. You would think after years with a good record, rates would go down, not up.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm offers some of the lowest average rates in Plano. The insurer also has some of the highest third-party ratings. In J.D. Power’s 2023 Auto Insurance Study, State Farm is rated above average for overall customer satisfaction in Texas.^[3]The company also has an A++ financial strength rating from AM Best.

Pros

• Cheapest average rates in Plano

• Superior third-party ratings

Cons

• Few endorsements available

• Only offers gap insurance if you finance through State Farm Bank

Best insurer for military members: USAA

Military Members

Compare Quotes

User Reviews	4.9 3,455 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$96/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$193/mo

Details

Driver Reviews

4.9

Best choice in Plano, TXBased on 3,455 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

Best in Plano for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

Based on analysis of verified reviews collected by Insurify

Best in Plano for

Members of the military community

Outstanding customer service

Competitive rates

Showing 46 Texas reviews for Plano drivers - See all 1,540 USAA reviews

Nancy

Verified Review

USAA has the best auto rates in Texas!

Reviewed in Texas on April 12, 2026

USAA was the perfect fit for me. They had lower rates than any other agency. I’m retired and like to have lower rates because I drive 1,000 miles per year. So, I’ll stay with USAA as long as they are the best for people who drive less than working people.

Clifford

Verified Review

USAA - Our Insurance Agent for 55 Years

Reviewed in Texas on April 4, 2026

Service is adequate.

Scott

Verified Review

Way too expensive

Reviewed in Texas on March 29, 2026

Costs double the price of other insurers.

Esther

Verified Review

USAA Auto Insurance

Reviewed in Texas on March 24, 2026

The car insurance is very expensive. It is good insurance if you can afford it, but I am getting to where I can no longer afford it. I am looking around now for good insurance that I can afford and not break the bank. USAA is very good, but it's just too expensive for me.

Charles

Verified Review

Sparks's Review

Reviewed in Texas on March 8, 2026

They are a good company and provide excellent customer service, but they have increased their prices so much! That is my reason for leaving them. We have had them for over 40 years!

Paul

Verified Review

Discount Restrictions

Reviewed in Texas on February 22, 2026

I have two cars. The discount for not using a phone is good, but both cars must meet minimum mileage before the discount can be applied.

Alex

Verified Review

Poor

Reviewed in Texas on February 19, 2026

Be careful because they were raising rates on us.

Harvey

Verified Review

Overall Outstanding Service

Reviewed in Texas on February 18, 2026

Excellent and professional service. My minor complaint is that it is somewhat expensive.

William

Verified Review

Excellent

Reviewed in Texas on February 16, 2026

Great service, expensive.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

Plano drivers who are active-duty or retired military personnel can get excellent car insurance from USAA. The company sells car insurance only to members of the Armed Forces and their immediate family members. USAA stands out for its affordable premiums, excellent ratings, and discounts. 

The company offers savings for smart students, accident-free drivers, garaging your vehicle on a military base, bundling your policies, insuring a car with certain safety features, and more.

Pros

• Good selection of discounts

• Low average rates in Plano

Cons

• Only available to active-duty service members and veterans

• Limited endorsements available

Best insurer for discounts: GEICO

Discounts

Compare Quotes

User Reviews	3.9 17,544 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$87/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$190/mo

Details

Driver Reviews

3.9

A solid option in Plano, TXBased on 17,544 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

Best in Plano for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

Based on analysis of verified reviews collected by Insurify

Best in Plano for

Teen drivers

Cheap rates

Accident forgiveness

Showing 75 Texas reviews for Plano drivers - See all 7,639 GEICO reviews

Jerry

Verified Review

Great service for 10 years

Reviewed in Texas on April 21, 2026

They were great. I just lost a big part of my income, so I had to find cheaper insurance.

Cathy

Verified Review

Excellent

Reviewed in Texas on April 18, 2026

They pay claims very well. That is very important to me.

Juanita

Verified Review

Avoid Geico

Reviewed in Texas on April 12, 2026

Pass on Geico. The website is horrible; it's hard to get in touch with a live person; they raised my rate by $60 on renewal.

William

Verified Review

Once upon a time they were affordable...

Reviewed in Texas on April 4, 2026

After 11 loyal years with Geico, once deregulation was in effect, their base rates skyrocketed. It's hard for seniors on a fixed income.

Eric

Verified Review

Auto Insurance

Reviewed in Texas on April 2, 2026

Informed, good customer service.

Lorin D

Verified Review

Not the cheapest, but they seem to be there for you

Reviewed in Texas on April 1, 2026

The car insurance seems a little expensive. I wanted to have some extras with it like towing, which was a bit pricey. However, I like the fact that I could sign up with them personally without needing to provide information on my entire family, who have their own vehicle and motorcycle insurance. They are pretty much the same price as the rest, but a little on the higher range.

Martin

Verified Review

GEICO is one of the worst

Reviewed in Texas on April 1, 2026

They base rates on being part of a driver program. If you don’t participate, rates rise over 50%.

Alejandro

Verified Review

They Couldn't Care Less

Reviewed in Texas on March 26, 2026

The cost of a 6-month policy is the lowest I've been able to find. Every other insurer has yet to match or beat it. It came with a little more coverage than any other insurer has offered. Although they give you a discount for initiating Easy Drive, which monitors one's driving and driving habits, the app is so messed up (as in making outrageous claims of unsafe driving), I know I cannot expect them to offer to continue the discount or increase it at the end of the term when the app makes a report, or they review the driving data collected. The app is NOT trustworthy because of its flawed and erroneous assumptions. I could not believe it admonished my driving because it found an app open on my phone. "Yeah, the app Easy Drive which they insist one have open during trips," so that it can take in and record the data. Easy Drive is a joke. When I read the first report I looked at, I wondered if the report stated what it stated so that I would be found ineligible for a continued discount. After reading a couple of other reports, I am convinced this tongue-in-cheek accusation of mine to be a fact. My driving record is, after 45 years of driving, immaculate. Yet insurance companies want nearly 500 USD or more for a 6-month STATE MINIMUMS LIABILITY ONLY policy. I have proven that I am not a liability to them. When are insurers going to appreciate me for that?

Laura

Verified Review

Insurance is Theft

Reviewed in Texas on March 26, 2026

Still costs too much but less than everyone else.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

If you’re looking for a car insurance company with numerous discounts, GEICO is a good insurer to consider. GEICO offers discounts for safe drivers, smart students, federal employees, military personnel, bundling policies, insuring multiple vehicles, taking a defensive driving course, insuring a car with airbags or daytime running lights, and more. GEICO also has below-average rates for drivers in Plano.

Pros

• Cheap average rates for Plano drivers

• Many discounts for additional savings

Cons

• Doesn’t offer many endorsements

• Rated below average for customer satisfaction

How to get the cheapest car insurance in Plano

Car insurance rates are personalized depending on factors like your age, credit history, ZIP code, marital status, and driving record. Additionally, car insurance companies charge different rates for the same types of coverage.

Fortunately, you have several ways to lower your car insurance costs, including the following:

• Raise your deductible. Your deductible is the out-of-pocket cost you must pay when you have a claim. Choosing a higher deductible will reduce your monthly premium.

• Bundle your policies. Most insurance companies offer a generous discount if you purchase multiple insurance products, like car insurance with homeowners insurance or renters insurance.

• Take a defensive driving course. Taking an approved defensive driving course can often help you save money on car insurance.

• Pay in full. You can typically get cheap car insurance in Plano if you pay your annual premium up front in a lump sum.

• Compare rates. It’s a good idea to get quotes from multiple insurance companies to find the most affordable policy for your unique situation.

Find Cheap Car Insurance in Plano, Texas

Rates start at $53 per month for liability coverage

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Cheapest liability-only car insurance in Plano: State Farm

Liability car insurance covers your financial responsibility when you cause a car accident that results in someone else’s bodily injuries or property damages. However, it doesn’t provide any coverage for your own medical bills or vehicle repairs.

State Farm is the cheapest insurance company for liability-only coverage in Plano, based on Insurify rate data. State Farm’s lowest minimum-coverage rate is $53 per month.

On average, liability insurance costs Plano drivers $123 per month. Below, you can see the cheapest liability-only insurance companies in Plano.

The below rates in Plano, TX, are estimated rates current as of: Wednesday, April 22 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$53
Allstate	$75
Mile Auto	$76
Progressive	$80
GEICO	$87
USAA	$96
Mercury	$107
First Acceptance	$112
The General	$113
Alinsco	$117
Freedom National	$119
Lone Star	$119
Nationwide	$120
Dairyland	$122
Commonwealth Casualty	$123
GAINSCO	$126
Clearcover	$127
Root	$127
Bristol West	$128
Mendota	$130
Covercube	$131
AssuranceAmerica	$136
Safeco	$143
Direct Auto	$144
Sun Coast	$144
National General	$146
Loop	$150
Elephant	$152
Chubb	$162
Trexis One	$164
21st Century	$187
Liberty Mutual	$230

Disclaimer: Table data sourced from real-time Plano car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Plano may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Plano: State Farm

Full-coverage auto insurance provides more coverage than liability-only insurance. A full-coverage policy includes collision and comprehensive insurance.

Collision covers repairs to your vehicle when you collide with another car or an object such as a tree, fence, or light pole. Comprehensive pays to repair your car after damage from non-collision incidents, such as theft, vandalism, hail, or flooding.

Full coverage is optional for most drivers. However, it’s often a requirement if you lease or finance your vehicle.

On average, full coverage costs Plano drivers $209 per month. Here are the cheapest companies for full-coverage car insurance in Plano.

The below rates in Plano, TX, are estimated rates current as of: Wednesday, April 22 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$109
Allstate	$153
Progressive	$154
Mile Auto	$169
Mercury	$177
GEICO	$190
USAA	$193
Root	$216
Safeco	$218
Clearcover	$227
Alinsco	$234
Direct Auto	$234
Elephant	$241
Nationwide	$242
GAINSCO	$251
National General	$251
Bristol West	$254
The General	$263
Mendota	$264
AssuranceAmerica	$272
First Acceptance	$281
Commonwealth Casualty	$283
Loop	$286
Sun Coast	$288
Lone Star	$291
Dairyland	$307
Covercube	$315
Freedom National	$320
Chubb	$328
Liberty Mutual	$345
Trexis One	$348
21st Century	$378

Disclaimer: Table data sourced from real-time Plano car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Plano may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Texas

Car insurance is legally required for all vehicle owners in Texas, and drivers must carry a minimum amount of coverage. Drivers need to have liability insurance with policy limits of at least 30/60/25.^[4]

Because Texas is a fault state, the at-fault driver’s insurance compensates the other party for their bodily injury and property damage losses.

Here’s a look at the minimum insurance requirements to drive legally in Texas:

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person / $60,000 per accident
Property damage liability	$25,000 per accident

In addition to the required coverages listed above, you may also benefit from optional coverages. Here are some of the most common car insurance endorsements you might consider:

• 

  Roadside assistance coverage

  This policy covers basic roadside vehicle services, like flat tire changes, battery replacements, fuel delivery, and towing up to a certain distance.

• 

  Rental car reimbursement coverage

  If your vehicle needs to be repaired after a covered claim, this policy will cover a rental car for a certain period of time.

• 

  Gap insurance

  If you lease or finance your vehicle and it gets totaled, gap insurance can help pay the remaining balance of your loan.

• 

  Accident forgiveness

  This coverage ensures your first at-fault accident won’t affect your car insurance premium. However, you’ll generally need to have a clean driving record for at least three years to be eligible for this coverage.

Cheapest car insurance for drivers with an incident

Drivers with an incident on their record, like a speeding ticket or at-fault accident, generally pay the highest rates for coverage because insurers deem them riskier to insure. More serious violations, like driving under the influence, usually have the biggest effect on auto insurance rates and could cause some insurers to drop coverage altogether.

In the chart below, you can see how individual incident types affect liability rates in Plano.

The below rates in Plano, TX, are estimated rates current as of: Wednesday, April 22 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket	With At-Fault Accident	With DUI
State Farm	$53	$67	$70	$74
Allstate	$75	$98	$101	$105
Mile Auto	$76	$93	$103	$107
Progressive	$80	$100	$106	$110
GEICO	$87	$114	$114	$121
USAA	$96	$124	$129	$135
Mercury	$107	$148	$160	$159
First Acceptance	$112	$140	$148	$154
The General	$113	$151	$156	$153
Alinsco	$117	$146	$155	$161
Freedom National	$119	$149	$158	$163
Lone Star	$119	$149	$158	$163
Nationwide	$120	$156	$162	$169
Dairyland	$122	$152	$162	$171
Commonwealth Casualty	$123	$146	$163	$167
GAINSCO	$126	$151	$162	$177
Clearcover	$127	$162	$182	$178
Root	$127	$169	$171	$180
Bristol West	$128	$161	$169	$180
Mendota	$130	$163	$172	$178
Covercube	$131	$164	$173	$180
AssuranceAmerica	$136	$173	$181	$191
Safeco	$143	$188	$199	$213
Direct Auto	$144	$181	$197	$202
Sun Coast	$144	$180	$191	$198
National General	$146	$182	$195	$205
Loop	$150	$188	$199	$206
Elephant	$152	$182	$199	$213
Chubb	$162	$206	$216	$228
Trexis One	$164	$205	$217	$225
21st Century	$187	$246	$255	$252
Liberty Mutual	$230	$292	$306	$323

Disclaimer: Table data sourced from real-time Plano car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Plano may vary based on the policy buyer's unique driver profile.

Average cost of car insurance by age

Age is one of the biggest factors that affect your car insurance premium. Young drivers and teen drivers usually pay higher insurance rates because they lack experience behind the wheel. Teens also have a higher accident rate than any other age group.^[5]

Rates then usually decrease around age 35 before rising again around age 70. Data shows that senior drivers are more likely to be involved in injury and fatal collisions than middle-aged drivers, which makes them more risky to insure.^[6]

In the table below, you can see the average quotes for car insurance for Plano drivers in different age groups.

Age	Average Monthly Quote
Teens	$403
20s	$280
30s	$206
40s	$184
50s	$161
60s	$151
70s	$164

Disclaimer: Table data is based on real-time Plano quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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Plano car insurance quotes by credit tier

Texas allows car insurance companies to use credit-based insurance scores. Insurers calculate these scores based on your personal credit history. Plano drivers with excellent or good credit typically pay lower rates than drivers with poor credit.

Here, you can see the average monthly car insurance rates in Plano based on your credit tier.

Plano car insurance FAQs