5+ years writing insurance and personal finance topics
Auto, home, health, and life insurance expertise
Elizabeth has extensive insurance industry experience, having written for Insureon, Rate Retriever, and Insurify. She’s also finance and insurance editor for Car and Driver.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
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The overall average monthly cost of car insurance in Plano is $178. This is consistent with the total Texas state average of $178 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, GEICO, 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.
Quick Facts
Texas allows insurers to review your credit history when assigning rates.
The average cost of full-coverage car insurance in Plano is $233 per month, while liability-only policies average $123 per month.
Plano had 4,936 motor vehicle accidents in 2022 — 14 of which were fatal, according to Texas Department of Transportation data.[2]
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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$64
$39
Affordable rates
USAA
4.5
$115
$69
Military members
GEICO
4.2
$70
$42
Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$39/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.
$64/mo
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
I feel like I am being way overcharged for my insurance since I have had no accidents or tickets in the last 10 years.
Theresa - September 14, 2023
Verified
I really enjoyed working with them, I just couldn't keep up with the expensive rates.
Becki - September 13, 2023
Verified
I was 5 stars until the recent increase, without any explanation.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$69/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.
$115/mo
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
They are the best in customer service.
Brenda - September 13, 2023
Verified
Overall poor service, took a safe driving discount away because I wasn’t driving enough.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$42/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.
$70/mo
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
Unwilling to work with clients. Especially senior citizens on a fixed income.
Janina - September 10, 2023
Verified
Awesome customer service, good prices, easy to deal with.
Kathleen - September 9, 2023
Verified
Good treatment in responding to questions and handling of my accident, especially because I was not at fault. No hesitation in paying the repair bill and then collecting from the at-fault insurance company client's policy.
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 orrenters 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 $39 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 $39 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 are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $233 per month. Here are the cheapest companies for full-coverage car insurance in Plano.
The below rates are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are estimated rates current as of: Thursday, November 30 at 11:00 AM PST.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Plano, TX
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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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Plano car insurance FAQs
Looking for more information to help you find the best car insurance rates in Plano? Consult the answers below.
How much is car insurance in Plano?
The total average rate for car insurance in Plano is $178 per month. The average rate for liability-only coverage is $123 per month, and the average rate for full-coverage insurance is $233 per month.
Who has the cheapest car insurance in Plano?
State Farm offers the cheapest car insurance in Plano, at a rate of $39 per month. You can also find affordable car insurance rates from GEICO and Mile Auto, which offer liability rates of $42 and $49, respectively. Keep in mind that the best way to find the best policy for you is to compare quotes from several insurers.
What are the best car insurance companies in Plano?
State Farm, USAA, and GEICO rank as three of the top insurers in Plano. These insurers offer some of the area’s most competitive rates, and each has been recognized for its customer service, financial strength, and discounts offered.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Elizabeth Rivelli is a freelance writer covering insurance and personal finance. She has extensive knowledge of various insurance lines, including property and casualty, health, and life insurance. Her byline has been featured in dozens of publications, including Investopedia, Forbes, Bankrate, NextAdvisor, and Insurance.com.
7+ years in business and financial services content
Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.
State Farm
USAA
GEICO
