Best Auto Insurance Rates in Plano, Texas

On average, your neighbors pay $77 a month.

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Plano, Texas is the kind of place that feels like a small town, but is an economic powerhouse. One of the fastest growing cities in the country, Plano headquarters a number of large and reputable companies, including Capital One Financial, Dr. Pepper/Snapple, Frito-Lay, JC Penney, and Yum! Brands, which includes Pizza Hut, KFC, and Taco Bell. For all of their economic contributions, residents of Plano deserve affordable car insurance rates.

Average Plano Car Insurance Rates

How much is car insurance in Plano, TX? Residents shouldn't be surprised to learn that rates in Plano are higher than the national average. The average cost of auto insurance in Texas is $934.22 per year. The national average cost is $889.01.

Prices may vary depending on your driving record and the number of claims filed in your zip code.

Texas Average Annual Car Insurance Rates
Coverage Rates
Liability $516.26
Collision $357.61
Comprehensive $192.33
Total Cost Per Year $934.22
Price Per Month $77.85
Source: Facts + Statistics: Auto insurance

The graph below shows the change in average Texas auto insurance rates from 2011 to 2015, the most recent year the data is available. According to the III, car insurance rates in Texas increased from $808 in 2011 to $934 in 2015, a jump of $125, or 15.48 percent.

Texas average car insurance rates

QuoteWizard helps consumers compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Plano, Texas and save up to 40% on your premium.

Last year, 5,015 people used QuoteWizard to compare auto insurance quotes in Plano, TX from multiple companies to find the cheapest rates.

Best Car Insurance Companies in Plano, TX

These were the most common car insurance companies reported by QuoteWizard users living in Plano, Texas last year. 580 of these users were uninsured when they requested a quote.

Other popular Plano, Texas car insurance companies: Esurance, Safeco, MetLife, Travelers, Hartford, 21st Century, Texas Farm Bureau, American Family, and Country Financial.

Top 10 Vehicles in Plano

This is our list of the most common car makes and models owned by Plano, TX drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Ford F150
  3. Honda Civic EX
  4. Nissan Altima 2.5 S
  5. Toyota Camry SE/LE/XLE
  6. Ford Mustang
  7. Hyundai Sonata GLS
  8. Ford Explorer
  9. Honda CR-V EX
  10. Ford Ranger
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Minimum Car Insurance Requirements in Plano, TX

Plano, Texas has a minimum coverage requirement known as the 30/60/25 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The maximum your insurance carrier will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The total amount your insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $25,000.
    The most your insurer will pay for property damage caused by a car accident.

Plano Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Plano, TX ranked 159th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 7.4 years. Out of 5,015 Plano drivers that used QuoteWizard to request insurance quotes last year, 334 had incidents on their driving records ranging from speeding tickets to DWIs.

Plano drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Factors affecting your insurance rates weather and road conditions.

Weather

Plano, TX has a humid subtropical climate. Summers are hot and humid in the summer. Winters are cold. Spring and fall are pleasant enough, but springtime storms can dump a lot of rain onto city streets, creating slick driving conditions and flooding. Snowfall is rare, but when it does happen, the city is often paralyzed.

Road Conditions

TRIP reports that 40% of the major roads in the Dallas-Fort Worth-Arlington metropolitan area, which includes Plano, are in poor condition with another 44% rated mediocre. The increasing number of potholes is especially troubling because of the damage they can cause, some of which is severe enough to warrant an insurance claim. According to TRIP, the poor condition of streets costs local drivers an additional $1,740 a year due to higher vehicle operating costs, car accidents, and traffic congestion.

Traffic Congestion

Plano is ranked together with Dallas as having the 34th worst traffic congestion in the United States. An average driver spends an extra 23 minutes per hour stuck in traffic for every 60 minutes spent commuting during peak hour and an extra 90 hours a year for commutes lasting 30 minutes.

In another study, the Texas A&M Transportation Institute (TTI) ranked Dallas-Plano 11th in the nation for yearly delay per commuter. According to the TTI study, residents spend an extra 53 hours a year stuck in traffic congestion and waste 22 gallons of fuel annually. The total cost per commuter is estimated by the TTI to be $1,185 per year.

Moving Violations

Moving violations like running a red light, accidents, speeding tickets, and drunk driving will go on your driving record and raise your rates.

Traffic Tickets

The City of Plano Municipal Court website allows you to pay traffic citations and tells drivers how to contest tickets.

SR-22 DWI Insurance

A DWI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Plano DWI insurance.

Car Accident Statistics

Plano officials reported 6,267 car crashes in 2016. These crashes resulted in 2,655 injuries, 123 of them incapacitating.

DWI Crashes and Injuries

Plano reported 245 crashes involving alcohol or drugs in 2016. These accidents involving impaired drivers caused 154 injuries and six fatalities.

Traffic Fatalities

Plano experienced seven fatal collisions in 2016 resulting in eight deaths in motor vehicle crashes.

This works out to a fatality rate of 2.79 per 100,000 residents. All traffic deaths are a tragic loss, and considering Plano’s estimated population of 286,057, this ranks among the nation's safestt cities in terms of traffic fatalities per capita.

Vehicle Theft Rates

Plano reported 272 vehicle thefts in 2016. This is a rate of 0.96 per 1,000 residents, well below the national rate of 2.20 stolen cars per 1,000.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways to lower your insurance rates. Below are only some of the auto insurance discounts available to drivers in Plano, TX. Get a free quote to find out which discounts you may qualify for.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling all of your policies with a single insurance company can save you up to 25 percent of your total bill
  2. Are you married or getting married soon? Many insurers offer a discount for married couples. If you're one of the 56.7 percent of the Plano, TX households with married couples, take advantage of this discount
  3. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount. If you're one of the 11.6 percent of Plano drivers over the age of 65, make sure to ask about these discounts
  4. Live in a safe neighborhood with low crime and good drivers . Zip codes where residents file few insurance claims. People that live in zip codes with high crime and poor driving conditions file more of the claims that lead to higher rates. The bad news is that crime in Plano, TX is higher than most cities. This is one reason you could be seeing higher insurance rates
  5. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  6. Keep your driving record clean with no tickets or accidents and you may qualify for the accident-free or safe driver discount

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