Cheapest Car Insurance in Plano, Texas (2022)

State Farm has the cheapest car insurance in Plano, Texas, at $115 a month for minimum coverage.

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State Farm offers the cheapest car insurance in Plano, Texas, for most drivers, according to our survey of the city’s top providers. In Plano, State Farm’s average rate for minimum-coverage car insurance is $115 a month. Its average rate for full coverage is $196.

However, USAA offers even cheaper car insurance rates to Plano drivers, for those who qualify. The group’s average minimum-coverage car insurance rate is $59, while its full-coverage rate is $114. USAA’s policies are reserved for active or former military members, plus certain members of their families.

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Cheapest car insurance in Plano

Most drivers will find the cheapest car insurance in Plano with State Farm. The average minimum-coverage policy from State Farm in Plano costs $115 per month, or $1,382 per year.

Military members and their families may find more affordable auto insurance in Plano from USAA. USAA’s average monthly rate is $59 for a minimum-coverage policy. That’s almost half the citywide average of $104.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE IN PLANO
Company Annual rate Monthly rate
USAA $708 $59
City Average $1,244 $104
State Farm $1,382 $115
Allstate $1,417 $118
GEICO $1,468 $122
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Texas law requires that a minimum-coverage car insurance plan meets the state’s requirements for liability insurance. Here are the mandatory minimums for liability coverage:

  • $30,000 for injuries to one person in an accident
  • $60,000 for injuries to more than one person in an accident
  • $25,000 for property damage incurred during an accident

Cheapest full-coverage car insurance in Plano

For most drivers, State Farm offers the best full-coverage car insurance rates in Plano, charging an average of $196 per month.

USAA offers lower rates for those who qualify. The group offers full-coverage car insurance for an average of $114 a month.

CHEAPEST FULL-COVERAGE CAR INSURANCE IN PLANO
Company Annual rate Monthly rate
USAA $1,367 $114
City Average $2,301 $192
State Farm $2,355 $196
GEICO $2,475 $206
Allstate $3,008 $251
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance policies typically include liability, collision and comprehensive coverages. Additionally, drivers may elect to add coverage for medical expenses, towing and labor costs or personal injury protection (PIP).

No state requires full-coverage car insurance, but many lenders and lessors do. Also, full-coverage insurance is often suggested for drivers with new or expensive vehicles.

Cheapest car insurance for drivers with a DUI in Plano

The cheapest car insurance for drivers with a DUI in Plano typically comes from GEICO, which charges $355 a month, on average.

That price is cheaper than both State Farm and Allstate. Still, those who qualify for USAA insurance will find a cheaper average rate — $173 a month.

In Plano, a DUI increases the average monthly insurance rate by 66%, from $192 to $319.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH A DUI
Company Annual rate Monthly rate
USAA $2,077 $173
GEICO $4,258 $355
State Farm $4,411 $368
Allstate $4,574 $381
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

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Cheapest car insurance for drivers with an accident history in Plano

State Farm offers the cheapest car insurance for most drivers with an accident history. In Plano, drivers with one accident on their record pay an average of $278 a month for full coverage from State Farm.

Again, USAA’s rate for those who qualify, $178 per month, is even cheaper. After State Farm, drivers will find solid rates from GEICO and Allstate, which offer full coverage for $315 and $393 a month, respectively.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH AN ACCIDENT HISTORY
Company Annual rate Monthly rate
USAA $2,137 $178
State Farm $3,333 $278
GEICO $3,784 $315
Allstate $4,722 $393
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for drivers with a speeding ticket in Plano

State Farm provides the lowest car insurance rates for drivers with a speeding ticket in Plano, charging an average of $248 a month for a full-coverage policy.

USAA may offer cheaper rates for those who qualify. The group’s yearly rate for drivers with a speeding ticket is $1,543. That breaks down to $129 a month.

A speeding ticket increases the average auto insurance rate in Plano by 14%, from $192 to $219.

CHEAPEST CAR INSURANCE FOR DRIVERS WITH A SPEEDING TICKET
Company Annual rate Monthly rate
USAA $1,543 $129
State Farm $2,973 $248
GEICO $2,983 $249
Allstate $3,008 $251
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance for teen drivers in Plano

For most teen drivers, the cheapest car insurance in Plano can be found at GEICO, which charges $246 per month for a minimum-coverage policy. In our survey, teen drivers were defined as 18-year-olds with a clean driving record — no tickets, no accidents and no DUIs.

USAA, meanwhile, offers an even cheaper rate of $114 a month for Plano teens who qualify.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR TEENS
Company Annual rate Monthly rate
USAA $1,362 $114
GEICO $2,955 $246
Allstate $4,170 $347
State Farm $5,026 $419
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for teen drivers in Plano

GEICO also has the best full-coverage rates for most teen drivers in Plano. The average full-coverage policy from GEICO comes out to $5,246 annually. That’s a cost of $437 per month.

Not including USAA, which is only for military members and their families, the next-cheapest insurance is State Farm. The company’s average rate of $721 a month is 65% higher than GEICO’s.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR TEENS
Company Annual rate Monthly rate
USAA $2,626 $219
GEICO $5,246 $437
State Farm $8,657 $721
Allstate $9,489 $791
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

In Plano, car insurance for teens costs significantly more than the city average. The city’s overall average for a full-coverage plan is $192 a month, while the average for teen drivers is $542.

Cheapest car insurance for senior drivers in Plano

State Farm has the lowest minimum-coverage car insurance rates for most senior drivers in Plano, charging an average rate of $1,308 annually, or $109 a month.

USAA’s monthly rate of $56 is nearly half that cost. But again, the group’s policies are only for military members and their families.

CHEAPEST MINIMUM-COVERAGE CAR INSURANCE FOR SENIORS
Company Annual rate Monthly rate
USAA $672 $56
State Farm $1,308 $109
Allstate $1,350 $113
GEICO $1,464 $122
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest full-coverage car insurance for senior drivers in Plano

The majority of Plano’s senior drivers will also find the cheapest full-coverage car insurance with State Farm. Rates for 60-year-olds with a clean record average out to $183 a month.

Seniors in Plano enjoy lower-cost insurance than the overall city average. The average full-coverage policy in Plano costs $192, while that figure is just $173 for seniors.

CHEAPEST FULL-COVERAGE CAR INSURANCE FOR SENIORS
Company Annual rate Monthly rate
USAA $1,224 $102
State Farm $2,191 $183
GEICO $2,339 $195
Allstate $2,538 $212
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Get affordable car insurance in Plano, Texas

Plano car insurance requirements

The state of Texas requires drivers to carry 30/60/25 car insurance, which means all policies must include at least:

  • $30,000 of bodily injury liability coverage for injuries to one person in an accident
  • $60,000 of bodily injury liability coverage for injuries to more than one person in an accident
  • $25,000 of coverage for property damage incurred during an accident

Additionally, drivers may elect for full coverage, which usually includes collision and comprehensive coverage. Other coverage, such as for towing, rental reimbursement and uninsured motorists, may also be included.

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Plano ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Texas’ minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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