120+ more*Quotes generated for Insurify users in and around Plano, Texas within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Plano, Texas within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Updated
Drivers in Plano pay an average of $116 per month for minimum liability coverage and $204 per month for a full-coverage auto insurance policy, according to Insurify data. That’s less than drivers pay in nearby traffic-ridden Dallas — $125 per month and $235 per month — but slightly more than in some of the less affluent Texas suburbs, like Lewisville ($109 and $194, respectively).
State Farm offers the lowest average rates in Plano. A liability-only insurance policy from State Farm costs just $43 per month. That’s good news because Plano residents typically pay higher car insurance rates than the Texas state average for minimum coverage.
Liability insurance typically costs Plano residents about $116 per month, compared to $111 statewide in Texas.
The cheapest insurer in Plano for full coverage is State Farm, with an average monthly rate of $85. Full-coverage insurance, which 38% of residents must purchase due to lender requirements, typically costs slightly less per month than the Texas average, though: $204 in Plano versus $207 statewide.[1]
Insurance Company  | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $43 | $85 |
| Allstate | $61 | $120 |
| Mile Auto | $63 | $135 |
| Progressive | $65 | $123 |
| GEICO | $70 | $148 |
| USAA | $78 | $151 |
| Mercury | $88 | $139 |
| First Acceptance | $91 | $218 |
| The General | $93 | $204 |
| Alinsco | $95 | $182 |
| Lone Star | $97 | $226 |
| Freedom National | $98 | $255 |
| Nationwide | $99 | $190 |
| Commonwealth Casualty | $100 | $218 |
| Dairyland | $101 | $244 |
| GAINSCO | $102 | $193 |
| Bristol West | $104 | $197 |
| Clearcover | $104 | $177 |
| Root | $105 | $169 |
| Mendota | $107 | $207 |
| Covercube | $108 | $248 |
| AssuranceAmerica | $110 | $205 |
| Sun Coast | $116 | $228 |
| Safeco | $117 | $169 |
| Direct Auto | $118 | $182 |
| National General | $119 | $194 |
| Loop | $123 | $222 |
| Elephant | $124 | $188 |
| Chubb | $133 | $257 |
| Trexis One | $137 | $279 |
| 21st Century | $154 | $296 |
| Liberty Mutual | $189 | $270 |
Pay your first week’s premium and get immediate proof of insurance
Plano residents pay relatively average rates for insurance coverage when compared to other Texas cities.
Abilene residents pay monthly averages of $82 for liability coverage and $176 for full coverage. This is likely due to factors like shorter daily drive times. Houston residents, on the other hand, pay the highest rates in the state, at $157 per month for minimum coverage and $270 per month for full coverage. This is likely due to higher accident rates, more traffic congestion, and hurricane danger.
Here, you can see how Plano compares to other Texas cities.
City | Average Monthly Quote |
|---|---|
| Abilene | $129 |
| Amarillo | $152 |
| Arlington | $166 |
| Austin | $165 |
| Beaumont | $175 |
| Brownsville | $159 |
| Corpus Christi | $165 |
| Dallas | $180 |
| Denton | $156 |
| El Paso | $139 |
| Fort Worth | $159 |
| Galveston | $163 |
| Garland | $181 |
| Grand Prairie | $171 |
| Houston | $214 |
| Huntsville | $151 |
| Irving | $170 |
| Killeen | $147 |
| Laredo | $153 |
| Lubbock | $150 |
| McAllen | $170 |
| Mesquite | $182 |
| Midland | $148 |
| Odessa | $164 |
| Plano | $160 |
| San Antonio | $167 |
| San Marcos | $158 |
Plano drivers have a fairly safe driving experience. Eight out of 10 drivers reported feeling “very safe” or “somewhat safe” on Plano roads during the daytime in 2024, per a local police report.[2]
The data backs that up, too. In 2023, fatal accident rates were three times higher statewide than in Plano.[3] Motor vehicle theft is also much rarer in Plano, with theft rates also about three times higher statewide than for Plano residents.[4]
Even so, driving through some parts of Plano carries more risk than in others. Here are the top three most dangerous intersections in Plano, along with how many crashes the city recorded there in 2022:[5]
Coit Road and West Spring Creek Parkway: 21 crashes
Dallas Parkway Southbound and Legacy Drive: 20 crashes
State Highway 121 Eastbound and West Spring Creek Parkway: 20 crashes
If you drive through these areas frequently, it’s a good idea to be extra cautious at these intersections. And if you’re worried about getting into an accident, it may be worth considering other coverage options, like collision coverage or uninsured motorist coverage.
Plano drivers tend to play it safe, in general, but it’s still not uncommon to have blemishes on your driving record that increase your auto coverage costs. Citywide, just more than 3% of drivers have a ticket on their record, a little over 5% have an at-fault car accident, and 0.6% have a driving under the influence (DUI) conviction, according to Insurify data.
Here, you can see how average rates fluctuate in Plano based on your driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $160 |
| Speeding ticket | $201 |
| At-fault accident | $213 |
| DUI | $221 |
Residents of Plano skew a little on the older side, compared to Texas as a whole. Perhaps unsurprisingly, Plano also has fewer young people than most other Texas cities. Insurers often offer discounts for senior drivers and for teen drivers alike, but car insurance rates are often higher for these two groups, as you can see below.
Age | Average Monthly Quote |
|---|---|
| Teens | $244 |
| 20s | $166 |
| 30s | $133 |
| 40s | $126 |
| 50s | $115 |
| 60s | $105 |
| 70+ | $109 |
*Quotes generated for Insurify users in and around Plano, Texas within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Plano, Texas within the last 10 days. Last updated on May 20, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
You’ve got better things to do than focus on an insurance policy — like exploring the boardwalk at Granite Park or taking a stroll through Arbor Hills Nature Preserve. With that in mind, here are some quick highlights to help as you shop for auto insurance quotes.
Plano drivers typically pay an average of $116 per month for liability insurance and $204 per month for full-coverage insurance, based on Insurify data.
State Farm offers lower rates in Plano than any other insurance company, according to Insurify data. The average State Farm customer in Plano pays $43 per month for minimum coverage.
Progressive offers cheaper car insurance coverage in Plano than GEICO, for both minimum-coverage and full-coverage policies. Progressive charges a monthly average rate of $81 and $141, while GEICO charges $95 and $181. Keep in mind that your rates from either of these insurers could vary based on your unique circumstances.
Plano residents benefit from lower rates of auto theft and a lower accident fatality rate compared to statewide metrics. But overall congestion remains high, largely due to U.S. Route 75 and the Dallas North Tollway bringing in steady streams of traffic from the DFW metro area to the south.
Car insurance companies don’t offer discounts just for living in Plano. But most insurers offer discounts for other things, like keeping a clean driving record, getting good grades (if you’re a student), using the company’s telematics app, or bundling your auto policy with home insurance or renters insurance.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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8 years in insurance and personal finance writing
Former data scientist for U.S. Geological Survey
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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