Best Plano, TX Auto Insurance in 2025 (Compare the top 10 Companies)
State Farm, Allstate, and AAA provide the best Plano, TX auto insurance, with rates starting from $43 a month. These companies offer low rates, particular claims, and tailored policies, giving Plano, Texas drivers good coverage, sound finances, and great assistance.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Jeffrey Manola
Licensed Insurance Agent
Jeffrey Manola is an experienced insurance agent who founded TopQuoteLifeInsurance.com and NoMedicalExamQuotes.com. His mission when creating these sites was to provide online consumers searching for insurance with the most affordable rates available. Not only does he strive to provide consumers with the best prices for insurance coverage, but he also wants those on the market for insurance to ...
Licensed Insurance Agent
UPDATED: Mar 18, 2025
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
Company Facts
Full Coverage in Plano TX
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Plano TX
A.M. Best Rating
Complaint Level
Pros & Cons
Company Facts
Full Coverage in Plano TX
A.M. Best Rating
Complaint Level
Pros & Cons
State Farm is the top choice for the best Plano, TX auto insurance, offering competitive rates, excellent financial stability, and a smooth claims process. Allstate and AAA also provide affordable options, starting at $43 per month, and discounts for safe drivers and bundled policies.
With Texas’ high insurance costs, it is necessary to choose the right auto insurance coverage options by comparing top providers based on customer service, coverage choices, and local claims satisfaction to see the best price.
Our Top 10 Company Picks: Best Plano, TX Auto Insurance
Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
---|---|---|---|---|---|
#1 | 17% | A++ | Many Discounts | State Farm | |
#2 | 25% | A+ | Add-on Coverages | Allstate | |
#3 | 15% | A | Online App | AAA | |
#4 | 13% | A++ | Accident Forgiveness | Travelers | |
#5 | 25% | A+ | 24/7 Support | Erie | |
#6 | 10% | A++ | Military Savings | USAA | |
#7 | 20% | A+ | Usage Discount | Nationwide | |
#8 | 20% | A | Local Agents | Farmers | |
#9 | 25% | A | Customizable Polices | Liberty Mutual | |
#10 | 25% | A++ | Custom Plan | Geico |
Enter your ZIP code and get the best rates on auto insurance for Plano, Texas with our free comparison tool.
- Safe driver and bundling discounts help lower Plano insurance costs
- Rates start at $43 per month, offering budget-friendly coverage options
- Comparing multiple insurers ensures the best policy for Plano drivers
#1 – State Farm: Top Overall Pick
Pros
- Multiple Discounts: Drivers in Plano can save on insurance through bundling, good driving, and multi-vehicle discounts.
- Competitive Rates: State Farm offers some of the lowest insurance rates in Plano, TX, making it an affordable choice. Read our “State Farm Auto Insurance Review” article to learn more.
- Strong Financial Stability: State Farm’s good reputation ensures reliable insurance claims processing in Plano, Texas.
Cons
- Limited Digital Tools: State Farm’s online and mobile insurance tools in Plano are less advanced than those of competitors.
- Higher Rates for High-Risk Drivers: Insurance premiums in Plano, Texas, can be expensive for those with accidents or violations.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#2 – Allstate: Best for Add-on Coverages
Pros
- Diverse Add-Ons: Allstate provides numerous insurance add-ons in Plano, Texas, including accident forgiveness and new car replacements.
- Strong Mobile App: Plano drivers can manage their insurance policies efficiently with Allstate’s robust app.
- Superior Bundling Discounts: With up to 25% savings, Allstate offers substantial insurance bundling benefits in Plano, TX.
Cons
- Higher Base Premiums: Check out “Allstate Auto Insurance Review,” which explains why rates in Plano are typically higher before discounts, so understanding the details can help you find better coverage value.
- Mixed Customer Satisfaction: Some Plano policyholders report insurance claims and time issues with customer service responses.
#3 – AAA: Best for Online App
Pros
- Member Perks: Plano residents benefit from AAA insurance extras, including travel discounts and identity theft monitoring.
- Reliable Roadside Assistance: AAA’s insurance coverage in Plano, TX, includes industry-leading roadside services.
- User-Friendly Online Experience: Explore further details in our “AAA Auto Insurance Review,” as its website and app make managing insurance policies in Plano easy.
Cons
- Membership Requirement: Plano, Texas drivers must purchase a AAA membership before accessing auto insurance options.
- Average Claims Processing Speed: Some customers in Plano, Texas, report delays in resolving auto insurance claims.
#4 – Travelers: Best for Accident Forgiveness
Pros
- Accident Forgiveness: Travelers offer auto insurance plans in Plano that prevent rate hikes after the first accident.
- Superior Financial Strength: Travelers’ high rating provides dependable insurance coverage in Plano. Explore our “Travelers Auto Insurance Review” to gain deeper insights.
- IntelliDrive Discount: Plano drivers can save on auto insurance using the IntelliDrive tracking program.
Cons
- Limited Local Agents: Travelers in Plano have fewer in-person insurance representatives than their competitors.
- High Premiums for High-Risk Drivers: Insurance rates in Plano can be costly for drivers with previous claims.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#5 – Erie: Best for 24/7 Support
Pros
- Top-Tier Customer Service: It is known for responsive and helpful auto insurance support for Plano residents.
- Comprehensive Coverage Options: It provides different insurance plans for Plano drivers, including complete replacement cost coverage.
- Lock-In Rate Feature: Auto insurance premiums in Plano, Texas, won’t increase unless coverage changes.
Cons
- Availability Issues: The “Erie Auto Insurance Review” will enhance your understanding of Erie auto insurance and explain why this provider is not as widely available in Plano, Texas, as larger national insurers.
- Limited Online Tools: Digital insurance management options for Plano customers are not as advanced as competitors.
#6 – USAA: Best for Military Savings
Pros
- Exclusive Military Discounts: USAA offers some of the best insurance savings for military members in Plano, TX.
- Exceptional Customer Satisfaction: For expanded insights, see our “USAA Auto Insurance Reviews,” where you will find that Plano policyholders frequently rate USAA insurance service highly.
- Highly Competitive Rates: USAA auto insurance in Plano, Texas, is known for being affordable, especially for safe drivers.
Cons
- Restricted Eligibility: Only military members and their families in Plano, Texas, can access USAA auto insurance.
- Limited Local Presence: USAA lacks in-person insurance offices in Plano, TX, unlike other insurance providers.
#7 – Nationwide: Best for Usage Discount
Pros
- Usage-Based Discount: Plano drivers using SmartRide can lower their insurance costs based on driving habits. Obtain further insights from our “Nationwide Auto Insurance Review.”
- Multi-Policy Savings: Nationwide offers substantial insurance discounts for Plano residents and bundles home and auto coverage.
- Vanishing Deductible: Safe drivers in Plano, TX, can reduce their insurance deductible over time with Nationwide.
Cons
- Higher Premiums for High-Risk Drivers: Nationwide insurance in Plano, Texas, may be costly for those with poor driving records.
- Fewer Local Agents: Some Plano drivers prefer more in-person auto insurance support, which Nationwide lacks.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
#8 – Farmers: Best for Local Agents
Pros
- Strong Local Agent Network: Farmers has numerous auto insurance agents in Plano, TX, for personalized service.
- Signal App Discount: Read our “Farmers Auto Insurance Review ” to find out how safe drivers in Plano can save on auto insurance with the Signal telematics program.
- Comprehensive Coverage Options: Farmers offers extensive insurance plans in Plano, Texas, including rideshare coverage.
Cons
- Higher Base Premiums: Farmers’ auto insurance in Plano, Texas, tends to have pricier starting rates than competitors.
- Discount Availability Varies: Some Plano, Texas drivers may not qualify for all Farmers’ auto insurance discounts.
#9 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Policies: Liberty Mutual offers highly personalized auto insurance coverage in Plano, Texas.
- RightTrack Discount: Plano drivers can use RightTrack to save on auto insurance through monitored driving habits.
- New Vehicle Discount: Plano residents with new cars can access Liberty Mutual auto insurance savings.
Cons
- Higher Rates for Certain Demographics: Young and high-risk drivers in Plano, TX, may face expensive insurance rates.
- Mixed Customer Reviews: Discover what lies beyond with our “Liberty Mutual Auto Insurance Review,” as some policyholders in Plano report inconsistent insurance claims handling.
#10 – Geico: Best for Custom Plan
Pros
- Highly Competitive Rates: Geico offers some of the most affordable insurance plans in Plano. For additional insights, refer to our “Geico Auto Insurance Review.”
- Strong Digital Tools: Plano drivers can manage auto insurance policies easily with Geico’s app and website.
- Diverse Discount Options: Geico auto insurance in Plano, TX, includes military, multi-policy, and defensive driving discounts.
Cons
- Limited Personalized Support: Geico lacks as many local auto insurance agents as other providers in Plano, Texas.
- Discounts May Vary: Some auto insurance discounts in Plano, Texas, may not be available depending on eligibility.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Importance of Auto Insurance in Plano, Texas
Auto insurance is essential for drivers in Plano, TX, providing financial protection and legal compliance. With the city’s growing population and busy roads, having the right coverage ensures peace of mind in case of accidents, theft, or unexpected damages.
Plano, TX Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company | Minimum Coverage | Full Coverage |
---|---|---|
$43 | $144 | |
$45 | $114 | |
$89 | $135 | |
$52 | $171 | |
$72 | $187 | |
$56 | $155 | |
$59 | $110 | |
$66 | $138 | |
$52 | $102 | |
$46 | $163 |
According to the table, insurance rates in Plano vary by provider and coverage, starting at $ 43 a month for minimum coverage (AAA) and $187 for full coverage (Geico). Travelers offer full coverage at $102, while Farmers and USAA have higher costs based on policy details.
Analyzing these rates shows that affordability and coverage benefits differ across insurers, making comparison shopping crucial. Drivers must weigh the trade-offs between cost and protection, ensuring they choose a plan that fits their financial situation while providing adequate coverage for potential risks.
Texas law requires drivers to meet minimum car insurance requirements, carrying at least liability insurance to cover damages they cause to others. Without adequate coverage, drivers may face fines, license suspension, or higher out-of-pocket costs after an accident.
How Discounts Help with Plano Auto Insurance
Auto insurance in Plano, TX, can be expensive, but discounts offer a practical way to lower monthly premiums. By taking advantage of available savings, drivers can reduce costs while maintaining high-quality coverage that meets their needs.
Auto Insurance Discounts From the Top Providers in Plano, TX
Insurance Company | Available Discount |
---|---|
Multi-Policy, Safe Driver, Good Student, Homeowner, Defensive Driving Discounts | |
Drivewise, Multi-Policy, Anti-Theft, Good Student, Early Signing, Claim-Free Discounts | |
Multi-Policy, Safe Driver, Young Driver, Defensive Driving, Paid in Full Discounts | |
Signal App, Good Student, Multi-Policy, Vehicle Safety, Claims-Free Discounts | |
DriveEasy, Military, Good Student, Multi-Policy, Vehicle Safety, Anti-Theft Discounts | |
RightTrack, New Vehicle, Multi-Policy, Good Student, Claims-Free, Vehicle Safety Discounts | |
SmartRide, Multi-Policy, Defensive Driving, Claims-Free, Paid in Full Discounts | |
Drive Safe & Save, Good Student, Multi-Policy, Defensive Driving, Claims-Free Discounts | |
IntelliDrive, Multi-Policy, Safe Driver, Vehicle Safety, Claims-Free Discounts | |
SafePilot, Military, Good Student, Multi-Policy, Claims-Free, Safe Driver Discounts |
As you can see in the table, key discounts include multi-policy savings from AAA and USAA, defensive driving discounts from State Farm and Nationwide, and anti-theft savings from Geico and Allstate. Claims free discounts from Liberty Mutual and Travelers also reward safe drivers with lower rates.
With all available discounts, a multi-policy discount helps meet Texas’ minimum car insurance requirements and lowers rates, cutting average costs from $194 per month to a more affordable amount.
Scott W. Johnson Licensed Insurance Agent
Utilizing these discounts can lead to significant savings on auto insurance. By comparing providers and selecting the best discounts, Plano drivers can reduce costs while maintaining strong coverage.
Auto Insurance Coverage Requirements in Texas
Your Plano, TX auto insurance policy must meet Texas auto insurance law. Driving legally in Plano requires:
Auto Insurance Minimum Coverage Requirements in Texas
Coverage | Limits |
---|---|
Bodily Injury Liability | $30,000 per person / $60,000 per accident |
Property Damage Liability | $25,000 per accident |
Do you know the difference between all the different types of coverage that auto insurance offers? There’s liability coverage, which is the bare minimum you need to drive legally.
There’s comprehensive coverage, which is what newer and more expensive vehicles need if you don’t want to pay 100 percent of the cost associated with a crash that wasn’t your fault.
There’s also collision coverage for the bumps and scrapes which tend to happen the longer you own your vehicle.
If you buy all of these, it’s known as full coverage. Read on for how to get cheap full coverage auto insurance in Plano, TX.
They say that everything is bigger in Texas, and auto insurance prices are no exception. What is the average cost of car insurance in Texas? The average driver could be paying $194 or more each month just to stay covered! But you don’t have to be one of those people.
Who has the cheapest auto insurance in Texas? We’ll help you find out. And remember, who has the cheapest auto insurance in Houston won’t be the same as who offers the cheapest auto insurance in Plano, TX.
In fact, shopping around for a new auto insurance policy in Plano may get you even better discounts than anywhere else in the state.
Plano, TX Auto Insurance Monthly Rates by Provider
Insurance Company | Rates |
---|---|
$180 | |
$299 | |
$145 | |
$175 | |
$114 | |
$190 | |
$134 | |
$136 | |
$160 | |
$140 |
Because Texas is such a big and highly populated state, you can imagine that there are many car insurance companies vying for your business. Some of them are major providers like Encompass, Mercury, and State Farm, just to name a few.
There are other local companies such as the Texas Farm Bureau who want to offer specially tailored policies and rates which address the unique needs of Texans.
Regardless of who you purchase a policy from, their customer service and their claims process can be just as important – if not more – than how much they charge you for your policy. So keep that in mind while you’re shopping around.
Do you know how Texas auto insurance companies determine how much each driver should pay for their policy? Well, it’s a much more complicated process than you may think.
There are a multitude of factors – such as your age, marital status, home ownership, and more – that may change how expensive or affordable your rate is.
And the more you know about them, the easier it will be for you to “steer” things in your favor.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Major Factors That Affect Car Insurance Rates in Plano
For better or worse, there are only so many things you can control when it comes to helping yourself lower your monthly car insurance premiums. The important thing is to become an informed consumer and figure out what the most important factors are.
With that information, you can go on to figure out which ones you can change in order to get yourself the cheapest rate possible.
Your Zip Code
The most important thing your auto insurance agent will ask for is your zip code when it comes time to underwrite your policy. Why is this so important? Because they use that information to gather statistical data about how safe or unsafe it is to drive in your area.
Living in Plano, the fact that there are 286,047 residents means that you are going to be sharing the road with a lot of people – increasing your likelihood of an accident.
Furthermore, the fact that the median household income is $88,398 means your insurance provider may assume you can pay top tier prices – even if you can’t.
Plano, TX Auto Insurance Monthly Rates by ZIP Code
ZIP | Rates |
---|---|
75094 | $176 |
75093 | $160 |
75024 | $154 |
75023 | $147 |
75025 | $143 |
75075 | $143 |
75074 | $138 |
75098 | $89 |
Automotive Accidents
Surprisingly, compared to other cities in Texas of a similar size, there are very few fatal accidents experienced in Plano each year. You can use this information to your advantage when negotiating your insurance prices.
After all, if your likelihood of a serious crash is so low, why not try asking for a better rate? As they say, it doesn’t hurt to ask
Auto Thefts in Plano
If you want to live in a safe city, if you want to rub elbows with the job creators of major corporations, or if you just want to live in a pleasant, quiet suburb within reasonable driving distance of downtown Dallas, then Plano, Texas is the place for you. Then again, if you’re already living there, you probably don’t need to be told all that!
- Fun fact: Plano isn’t considered one of the safest cities for some arbitrary reason – it was awarded this coveted distinction by Forbes Magazine.
The most recent data from Neighborhood Scout shows that there were only 395 auto thefts in Plano within the last year. Just like serious accidents, that is a remarkably low rate for such a large city. This may help get you a lower premium, or your insurance company may ignore it.
But you can be proactive and try and lower your monthly costs even further by installing anti-theft devices on your vehicle for more security.
Plano, TX Auto Insurance Monthly Rates by Provider & Coverage Type
Insurance Company | Liability | Comprehensive |
---|---|---|
$125 | $175 | |
$145 | $195 | |
$110 | $160 | |
$135 | $185 | |
$114 | $164 | |
$155 | $205 | |
$134 | $184 | |
$95 | $145 | |
$140 | $190 | |
$115 | $165 |
Your Credit Score
Many auto insurance companies believe that the higher your credit score, the lower premium you deserve to be charged for your policy. Many people in unfortunate financial situations may take issue with this.
However, at the end of the day, there may be very little you can do about it other than work hard to improve your credit score. This isn’t an impossible thing to change, but it will take time and effort on your part.
Plano, TX Auto Insurance Monthly Rates by Credit Score
Insurance Company | Good Credit | Fair Credit | Bad Credit |
---|---|---|---|
$120 | $145 | $190 | |
$135 | $160 | $210 | |
$110 | $135 | $180 | |
$125 | $150 | $200 | |
$100 | $125 | $170 | |
$140 | $165 | $220 | |
$115 | $140 | $185 | |
$95 | $120 | $160 | |
$130 | $155 | $205 | |
$85 | $110 | $150 |
Your Age
Did you know that teenage drivers are charged some of the highest auto insurance rates out of any other demographic? There are many reasons for this. Lack of experience behind the wheel, poor decision-making, and a higher likelihood of distracted driving are among them.
So if you’re under the age of 25, it’s important to do as much as you can to prove to your insurance provider that you are a responsible driver who will not get into an accident. Affordable auto insurance in Plano, TX for teens can be hard to find.
Plano, TX Auto Insurance Monthly Rates by Provider, Age, & Gender
Insurance Company | Age: 17 Female | Age: 17 Male | Age: 34 Female | Age: 34 Male |
---|---|---|---|---|
$350 | $380 | $120 | $125 | |
$370 | $400 | $130 | $135 | |
$340 | $370 | $115 | $120 | |
$360 | $390 | $125 | $130 | |
$330 | $360 | $110 | $115 | |
$380 | $410 | $135 | $140 | |
$355 | $385 | $120 | $125 | |
$345 | $375 | $115 | $120 | |
$365 | $395 | $125 | $130 | |
$320 | $350 | $105 | $110 |
Your Driving Record
Your insurance provider will look into your driving history and see how unsafe of a motorist do you have been within the last three to five years. If you don’t have even so much as a speeding ticket, then you have nothing to worry about!
It will be infinitely easier for you to find the lowest possible rate. However, multiple speeding tickets, multiple moving violations, or even something as serious as a DUI will send your monthly premiums shooting through the roof.
Plano, TX Auto Insurance Monthly Rates by Driving Record
Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
---|---|---|---|---|
$165 | $190 | $210 | $250 | |
$196 | $225 | $245 | $290 | |
$150 | $175 | $195 | $230 | |
$180 | $210 | $230 | $275 | |
$111 | $130 | $145 | $180 | |
$170 | $195 | $215 | $260 | |
$125 | $145 | $160 | $200 | |
$103 | $120 | $135 | $165 | |
$140 | $165 | $185 | $220 | |
$101 | $115 | $130 | $160 |
Your Vehicle
All Things Considered, the odds are pretty high that living in Plano means you can afford to drive a very nice, shiny new vehicle. But guess what? Those types of vehicles tend to come with a pretty expensive auto insurance price tag.
You’re going to need a fair amount of comprehensive coverage to replace or repair damages if your luxury vehicle gets into an accident. Unless you are extremely risky or extremely confident, you can’t exactly get away with purchasing the bare minimum coverage.
Minor Factors That Affect Car Insurance Costs in Plano
Of course, tweaking some of the factors below can add up to some extra savings over time:
Your Marital Status
Getting married, despite how expensive it may be, has its rewards. One of those rewards is getting a better deal on your monthly insurance premiums. And this isn’t just for car insurance, either; you can get better homeowners insurance discounts and cheaper rates on other financial products.
Just make sure you try and bundle as much as you can in order to maximize your savings.
Free Auto Insurance Comparison
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
Your Gender
Lots of different statistical models suggest that the fairer sex is the safer one behind the wheel. People attribute this to women typically being more cautious, level-headed, and less likely to engage in road rage.
Well, some insurance companies are moving away from adjusting premiums based on gender, there are still providers out there who may alter your right by anywhere from 2 – 3 percent based on whether you are male or female.
Your Driving Distance to Work
Plano is a very big residential area which is equidistant from many commercial sectors. So based on where your job is located, you may have a relatively short or an annoyingly long daily commute.
There is a wide range of workers in Plano who may spend as little as 15 minutes on average getting to the office or as much as 35 minutes trying to get where they need to go.
Of course, this gridlock isn’t going to look good when your insurance company is evaluating your risk and adjusting your monthly premiums.
If you’re in the unlucky majority of people who have a longer commute time, then you’re probably driving more miles each year, too. Some companies care a lot about your annual mileage, and they give you up to a 33 percent discount if you can prove your low mileage with a plug-in device.
But if you drive many miles each year, it may behoove you to let your insurance company estimate your annual mileage and hope that they low-ball it in your favor.
Your Coverage and Deductibles
Changing your deductible can be a blessing or a curse depending on your luck. On the one hand, raising your deductible can save you a decent amount of money each month on your car insurance premiums. On the other, you may be in for a very rude awakening if you find yourself in a position where you have to pay that deductible.
You have to balance out your desire to save money with your ability to pay a significant chunk of change in the event that you need to make a claim.
Education in Plano, TX
Many of the residents in Plano have successfully pursued higher education degrees. The largest number, which makes up 37 percent of the city’s population, has a bachelor’s degree. Another 18 percent have a master’s degree of some sort.
As a matter of fact, finding an adult Plano resident who doesn’t have at least one year of college or more under their belt is extremely rare.
As far as the city limits of Plano are concerned, aspiring estheticians can take courses at the Regency Beauty Institute-Plano. However, there are many prestigious institutions of higher learning a short commute away down in Dallas. The University of Texas has a Dallas campus in the city.
There’s also Richland College, Collin County Community College, Brookhaven, and Southern Methodist University just to name a few. With so many choices, it’s easy to see why there are so many highly educated people living in Plano.
Some people believe that they only have one of two choices: they can purchase a low-quality auto insurance policy on the cheap, or they can shell out the big bucks for comprehensive coverage and stellar customer service. But the truth is that you can have both.
We want to help you find that perfect combination of the two – an affordable price with a reputable company – and we have exactly what you need to make that dream a reality.
Auto Insurance in Plano: Essential Insights
Finding cheap auto insurance companies in Plano, TX, requires comparing rates, coverage options, and available discounts to find the best deal. As Plano, Texas, becomes more populated and traffic density is high, selecting a good insurer provides financial coverage against accidents and unforeseen damage.
Drivers with past offenses may need an SR-22 certificate to meet Texas’ legal insurance requirements, making it essential to select a provider that offers this filing. Knowing factors such as credit scores, driving records, and discounts available can help Plano residents decrease their premiums while maintaining sufficient coverage.
Just enter your zip code to start shopping around for free quotes on Plano, TX auto insurance right now.
Enter your ZIP code below to compare auto insurance rates.
Secured with SHA-256 Encryption
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home.
Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Frequently Asked Questions
How does the low accident rate affect car insurance in Plano, TX?
The low accident rate in Plano helps keep insurance premiums lower since insurers consider the city’s safer driving conditions when calculating risk. This contributes to more competitive pricing from top car insurance companies near Plano, Texas.
What are the coverage options for Plano car insurance?
Plano car insurance coverage options include liability, comprehensive, collision, uninsured motorist, and personal injury protection. Car insurance agents in Plano can help customize policies based on individual needs and budgets.
Compare auto insurance quotes for Plano, Texas by simply entering your ZIP code into our free comparison tool.
How does a DUI record affect your ability to get cheap renters insurance in Plano, TX?
A DUI record makes it hard to get cheap renters insurance in Plano because providers see DUI offenders as high-risk. This may lead to higher premiums or limited coverage options, and the same applies to car insurance after a DUI, which often comes with significantly increased rates.
How does a City of Plano’s speeding ticket impact your insurance rates?
A Plano speeding ticket cost can lead to higher insurance rates, as insurers view traffic violations as an increased risk. The more severe the violation, the greater the potential rate hike.
Where can you find cheap car insurance in Plano, TX?
You can find cheap car insurance in Plano by comparing quotes from multiple car insurance companies in Plano, taking advantage of discounts, and maintaining a clean driving record. Both local and national insurers offer various budget-friendly options.
Does Plano’s low auto theft rate help lower car insurance quotes in Plano?
Plano’s low auto theft rate contributes to lower best car insurance rates in Plano, as insurers see a reduced likelihood of theft-related claims. Additionally, installing an anti-theft device can qualify drivers for an anti-theft device discount, reducing comprehensive coverage costs.
Which companies provide top car insurance in Plano, Texas?
Top Plano, Texas car insurance providers include State Farm, Geico, Progressive, and regional insurers offering competitive rates. These companies provide strong coverage, good customer service, and various discounts.
How do you compare auto insurance in Plano, TX, for the best rates?
To compare auto insurance quotes in Plano for the best rates, get quotes from multiple providers, review coverage options, and consider available discounts. Using online tools or working with an independent agent can streamline the process.
Which factors determine the best auto insurance companies in Plano, TX?
The best auto insurance in Plano, Texas, is determined by affordability, customer service, claims handling, available coverage options, and discount programs. These factors affect your auto insurance rates, customer reviews, and financial stability ratings, which also play a key role.
Which providers offer the cheapest car insurance in Plano, TX?
Companies like GEICO, State Farm, and Progressive often offer the cheapest Plano, Texas, auto insurance. Rates vary based on driving history, vehicle type, and coverage level. Comparing multiple providers is the best way to secure the lowest rate.