Car Insurance in Plano
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Car Insurance in Plano, TX
Located just north of Texas, Plano is the state's ninth-largest city. It's family-friendly, with plenty of parks and a gigantic Texas-shaped swimming pool with over 168,000 gallons of saltwater. Major companies with a significant presence in Plano include Pizza Hut, Ericsson, and Toyota.
A study cited Plano as the second-best city in the U.S. to drive in, based on its solid infrastructure and low commute times, second only to Raleigh, N.C. You can keep your Plano driving incident-free by following Texas driving rules, which include prohibiting cell phone use when behind the wheel. Drivers must also abide by posted Plano speed limits.
All Texas residents who own or operate a vehicle must carry auto insurance with minimum coverage limits of 30/60/25. However, if you finance your car, check your loan contract to see if your lender requires additional coverage.
Several factors affect your insurance rates, including your location and zip code. Try EverQuote to compare car insurance quotes in Plano and potentially save money.
How much is car insurance in Plano, TX?
The total cost of car insurance in Plano can vary significantly depending on the coverage you select. For an overview, here are the average prices for the three most commonly chosen coverage options in the region:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Plano?
Assessing and ranking the insurance costs for every car make, model, and year in the city is quite challenging. However, if you're interested in which newer models are generally more affordable to insure, here are the top 10 most budget-friendly car makes and models to consider in Plano:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Honda Odyssey | $196 |
| 2 | Honda Cr-V | $197 |
| 3 | Subaru Forester | $197 |
| 4 | Toyota Corolla | $200 |
| 5 | Kia Sedona | $201 |
| 6 | Ford Fusion | $202 |
| 7 | Toyota Rav4 | $202 |
| 8 | Kia Sol | $203 |
| 9 | Toyota Tacoma | $205 |
| 10 | Ford F-150 | $210 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Whether you've experienced a minor fender bender, a major accident, received a few speeding tickets, been charged with a DUI, or been involved in a hit-and-run, these factors can all influence your insurance costs in the city. The following breakdown illustrates how rates adjust based on common claims and violations in Plano, ranked from least to most significant:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| None | $202 | 0% |
| Not at-fault Accident | $217 | +7% |
| Driving with expired registration | $234 | +16% |
| Speeding Ticket | $249 | +23% |
| DUI | $280 | +39% |
| Driving with a suspended license | $299 | +48% |
| Hit and Run | $306 | +51% |
| At-fault Accident | $329 | +63% |
What car insurance discounts can I get in Plano?
In Plano, there are a number of discounts that can help reduce your insurance expenses. These include bundling multiple policies, paying in full upfront, opting for paperless transactions, and receiving renewal discounts for loyalty. The list below, ordered from the most significant to the least, highlights potential ways to save on your premiums:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Multi-Policy Home | $178 | +$24 |
| Paid in Full | $192 | +$10 |
| Low Mileage | $194 | +$8 |
| Multi-Policy Renters | $194 | +$8 |
| Renewal discount | $195 | +$7 |
| Paperless | $199 | +$3 |
| Electronic Funds Transfer | $201 | +$1 |
| None | $202 | +$0 |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.