Best Cheap Auto Insurance in Plano, TX (2021)

The average Plano, TX auto insurance rates are $330 per month. The minimum auto insurance in Plano is at least 30/60/25 in coverage to comply with Texas auto insurance laws. To find the best cheap auto insurance in Plano, Texas, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Plano, TX for senior drivers are $2,389 per year
  • The average commute length in Plano is 26.8 minutes
  • The cheapest auto insurance company in Plano is USAA

Plano, Texas auto insurance requirements are 30/60/25 according to Texas auto insurance laws. Finding cheap auto insurance in Plano can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Plano, Texas, including driving record, credit, commute time, and more.

Compare auto insurance in Plano to other Texas cities, including Dallas auto insurance rates, San Antonio auto insurance rates, and Fort Worth auto insurance rates to see how Plano, Texas auto insurance rates stack up.

Before you buy Plano, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Plano, Texas auto insurance quotes.

Minimum Auto Insurance in Plano, Texas

Plano, Texas auto insurance laws require that you have at least the Texas minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Plano, Texas.

Minimum Required Auto Insurance Coverage in Plano, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Plano, Texas Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Plano, Texas are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Plano, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,594 $3,614 $3,545 $3,545 $9,663 $11,633 $4,439 $4,607
American Family $2,765 $3,097 $2,642 $3,043 $7,780 $10,173 $4,058 $4,636
GEICO $2,598 $2,815 $2,508 $2,867 $5,848 $6,038 $2,823 $2,810
Nationwide $2,290 $2,324 $2,023 $2,139 $6,620 $8,487 $2,703 $2,923
Progressive $2,312 $2,210 $2,066 $2,101 $9,831 $10,981 $2,759 $2,817
State Farm $2,203 $2,203 $1,971 $1,971 $5,476 $7,013 $2,409 $2,477
USAA $1,590 $1,586 $1,526 $1,498 $4,607 $4,979 $2,113 $2,236

Cheap Plano, Texas Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Plano, Texas is a challenge. Take a look at the annual teen auto insurance rates in Plano, Texas.

Annual Auto Insurance Rates for Teen Drivers in Plano, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,663 $11,633
American Family $7,780 $10,173
GEICO $5,848 $6,038
Nationwide $6,620 $8,487
Progressive $9,831 $10,981
State Farm $5,476 $7,013
USAA $4,607 $4,979

Cheap Plano, Texas Auto Insurance for Seniors

What are senior auto insurance rates in Plano, Texas? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Plano, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,545 $3,545
American Family $2,642 $3,043
GEICO $2,508 $2,867
Nationwide $2,023 $2,139
Progressive $2,066 $2,101
State Farm $1,971 $1,971
USAA $1,526 $1,498

Cheap Plano, Texas Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Plano, Texas compared to the annual auto insurance rates with a clean record in Plano, Texas.

Annual Plano, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,288 $6,724 $7,021 $4,288
American Family $4,326 $5,578 $4,867 $4,326
GEICO $2,999 $3,993 $3,302 $3,860
Nationwide $3,199 $3,199 $4,743 $3,613
Progressive $3,824 $4,947 $4,460 $4,307
State Farm $2,836 $3,280 $3,910 $2,836
USAA $1,865 $2,774 $3,287 $2,141

Cheap Plano, Texas Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Plano, Texas is not easy. Compare the annual rates for DUI auto insurance in Plano, Texas to find the best deal.

Annual Auto Insurance Rates After a DUI in Plano, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,021
American Family $4,867
GEICO $3,302
Nationwide $4,743
Progressive $4,460
State Farm $3,910
USAA $3,287

Cheap Plano, Texas Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Plano, Texas annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Plano, Texas

Insurance Company Poor Fair Good
Allstate $7,083 $5,200 $4,458
American Family $6,506 $4,175 $3,641
GEICO $5,471 $3,090 $2,055
Nationwide $4,414 $3,558 $3,093
Progressive $4,922 $4,269 $3,963
State Farm $4,552 $2,835 $2,259
USAA $3,678 $2,143 $1,729

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Cheap Plano, Texas Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Plano, Texas can vary. Compare the annual cost of auto insurance by ZIP code in Plano, Texas to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Plano, Texas

ZIP Code Average Annual Rates
75023 $5,821
75024 $5,997
75025 $5,787
75074 $5,780
75075 $5,773
75093 $5,849
75094 $5,687

Cheap Plano, Texas Auto Insurance Rates By Commute

Commute length and annual mileage affect Plano, Texas auto insurance. Find the cheapest annual Plano, Texas auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Plano, Texas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,439 $5,721
American Family $4,774 $4,774
GEICO $3,475 $3,602
Nationwide $3,689 $3,689
Progressive $4,385 $4,385
State Farm $3,215 $3,215
USAA $2,485 $2,548

Cheap Plano, Texas Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Plano, Texas? Check out the comparison of annual Plano, Texas auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Plano, Texas

Insurance Company Low Medium High
Allstate $5,450 $5,531 $5,759
American Family $4,452 $4,602 $5,269
GEICO $3,350 $3,501 $3,764
Nationwide $3,981 $3,534 $3,550
Progressive $4,212 $4,370 $4,572
State Farm $3,039 $3,209 $3,399
USAA $2,425 $2,507 $2,619

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Best By Category: Cheapest Auto Insurance in Plano, Texas

Compare the cheapest auto insurance companies in Plano, Texas in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Plano, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

The Cheapest Plano, Texas Auto Insurance Companies

What auto insurance companies in Plano, Texas are the cheapest? Compare the top Plano, Texas auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Plano, Texas

Insurance Company Average Annual Rates
Allstate $5,580
American Family $4,774
GEICO $3,539
Nationwide $3,689
Progressive $4,385
State Farm $3,215
USAA $2,517

What affects auto insurance rates in Plano, Texas?

There are a lot of reasons why auto insurance rates in Plano, Texas are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Plano, Texas. Many local factors may affect your Plano auto insurance rates.

Plano Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Plano, Texas auto theft statistics, there have been 373 auto thefts in the city.

Plano Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Plano, Texas commute length is 26.8 minutes according to City-Data.

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Compare Plano, Texas Auto Insurance Quotes

Before you buy Plano, Texas auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Plano, Texas auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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