+120 more)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
)
)
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Updated
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
The average cost of car insurance in Plano is $180 per month, according to Compare.com data. Plano drivers pay more than the national average of $151 per month.
Plano drivers may pay more for car insurance because of the risk of severe winds resulting from storms, hurricanes, and tornadoes.[1] Texas also has a high rate of uninsured motorists, which drives up insurance costs.[2]
Knowing the average rates drivers in your city pay can help you find the best rate for your driving profile and coverage needs. We break down the cheapest insurance companies and offer tips to get even cheaper auto insurance in Plano.
Plano drivers pay an average of $128 per month for liability-only coverage and $233 for full coverage.
State Farm, GEICO, and Allstate offer some of the cheapest car insurance rates in Plano.
Texas requires all drivers to have at least 30/60/25 in liability coverage.
Where you live is a big factor insurance companies use to determine how much you pay for car insurance.
Other factors, like your coverage needs and driver profile, also affect insurance rates. The table below breaks down average monthly premiums for different coverages and demographics in Plano, according to Compare.com data.
Driver/Coverage Type  | Average Monthly Premium |
|---|---|
| All Plano drivers | $180 |
| State-minimum coverage | $128 |
| Full coverage | $233 |
| Teens | $344 |
| Seniors | $142 |
| Clean driving record | $180 |
| Recent ticket | $246 |
| Recent at-fault accident | $254 |
| DUI conviction | $290 |
| Poor credit | $225 |
The overall average monthly cost of Plano auto insurance is $180 per month. But your age can make a difference. Teen drivers in Plano pay an average of $344 per month, while seniors pay $142.
Remember, these are just average rates for Plano drivers. Your actual premium could look different, since it’ll depend on your unique driving profile and coverage choices.
)
Like almost all states, Texas requires its drivers to have car insurance. The Texas Department of Insurance (TDI) requires liability insurance with limits of at least:[3]
$30,000 per person for bodily injury
$60,000 per accident for bodily injury
$25,000 per accident for property damage
Though Texas requires liability coverage, which covers other drivers if you cause an accident, around 20% of its drivers are uninsured. Adding optional uninsured motorist coverage to your Plano insurance policy can cover damage someone else causes to your vehicle if they don’t have the liability insurance to cover it.
You’re responsible for covering any costs that exceed your liability coverage if you’re at fault for an accident. That’s why most insurance experts and the TDI recommend buying higher liability limits in case you cause significant injuries or damage to others.
Your lender will also require you to have comprehensive and collision coverages if you lease or finance your vehicle. If you owe more than the car’s worth, gap insurance is also worth considering.
Regardless of the average rates in Plano, you can still find ways to save money on car insurance.
One place to start is getting insurance quotes from some of the cheapest insurers. To chart below shows the five cheapest auto insurance companies in Plano, according to Compare.com data.
Plano’s cheapest car insurance company is State Farm, with an average monthly rate of $41.
We also break down the cheapest companies by driver and coverage type below.
Though the companies above are a good starting point, your personal rates can vary significantly based on personal factors like your age, credit history, ZIP code, and driving record.
The table below highlights the cheapest insurers for various driving backgrounds and coverage options, according to Compare.com data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $41 |
| Full coverage | State Farm | $74 |
| Teens | State Farm | $77 |
| Seniors | State Farm | $31 |
| Drivers with a speeding ticket | State Farm | $52 |
| Drivers with an at-fault accident | State Farm | $55 |
| Drivers with a DUI | State Farm | $66 |
| Drivers with excellent credit | State Farm | $36 |
| Drivers with poor credit | GEICO | $52 |
The best way to know what you’ll pay for car insurance is to shop around and compare as many quotes as possible. You can go to each insurer’s website to gather quotes, but you can view multiple quotes much faster by using a car insurance comparison site.
Now, let’s look at our top picks for the best car insurance in Plano.
Compare personalized quotes from Plano’s top insurers.
)
No single company is the best auto insurer for everyone. But some companies stand out from the rest. We analyzed insurers based on a combination of average rates in Plano, available discounts, coverage options, and customer ratings.
Here are our top three choices for the best car insurance for Plano drivers.
Incredibly cheap rates
Above-average customer satisfaction in Texas region
Plenty of available discounts
Limited optional coverage options
Below-average J.D. Power digital shopping satisfaction ranking
Nine-year wait for accident forgiveness eligibility
If you like to work with a local agent, State Farm has a long list of agents in Plano ready to serve you. The insurer is among the top three highest-ranking companies in the Texas region, according to the J.D. Power 2024 U.S. Auto Insurance Study.[4] State Farm also received above-average for claims satisfaction.[5]
Though it offers rideshare and rental reimbursement coverages, State Farm doesn’t offer gap insurance, new car replacement, or pet injury coverage. Still, it’s one of Plano’s cheapest auto insurers and offers plenty of Texas-based discounts, so it may be worth getting a quote to see how it compares to other companies.
Higher-than-average rates
No rankings in J.D. Power studies
D- rating with Better Business Bureau[8]
Chubb may be a good fit for performance or luxury vehicle owners looking for OEM parts coverage, extreme detail to getting their vehicle back to pre-claim condition, and no per-day caps on rental car reimbursement (covers up to $15,000 per claim). It also offers agreed-value policies and higher liability limits than many other insurers.
The company ranks second in the 2025 Insurer Report Card, a grading by collision repair shops that ranks insurers by repair quality and customer service.[9] But it only offers a few discounts, and its rates are higher-than-average.
Affordable rates
Highly rated telematics program
Above-average claims satisfaction rating
Accident forgiveness costs extra
Below-average J.D. Power digital shopping satisfaction ranking
Other companies may be cheaper
Nationwide has a generous list of available discounts and local agents for Plano drivers. You can save up to 40% with its usage-based telematics program, SmartRide, which earned first place in J.D. Power’s usage-based insurance ranking. It also has notable additional coverages like gap insurance, vanishing deductible, and total loss deductible waiver.
Though its scored below average in the J.D. Power 2024 U.S. Insurance Digital Experience Study, it came in third in service. Nationwide may not be the cheapest option, but it may still be a good fit for some Plano drivers.
Compare quotes side-by-side and lock in cheaper rates.
One of the easiest ways to save money on car insurance is to take advantage of discounts. Keep in mind that discount availability varies by company and state.
Here are a few discounts you may qualify for in Plano:
Defensive driver course discount: Complete a state-approved defensive driver course to get this discount.
Safe driver discount: If you keep a clean driving record by avoiding tickets and accidents, you may be eligible for a safe driver discount.
Good student discount: Teens and young drivers are the most expensive to insure, but they can save with a good student discount by getting a B or above GPA in school.
Vehicle safety discount: Owning a vehicle with safety features can help you save on your insurance policy with a safety features discount.
Here are even more ways to save on Plano car insurance.
)
Discounts are an easy way to save money on car insurance, but they’re not the only way. Check out these other money-saving options:
Assess your coverage needs. Your coverage choices and limits help determine your insurance policy costs. Evaluate your needs to see if you need full coverage or if liability only may be sufficient.
Bundle policies. Bundling your auto and home insurance is a great way to simplify policy management and bill payments, plus get cheaper rates.
Raise your deductibles. Increasing your policy deductibles lowers your premium, but you’ll take on more financial responsibility if you file a claim.
Shop for quotes often. Comparing quotes annually or at each renewal ensures you’re getting the lowest rate for the insurance coverage you need.
Compare personalized quotes and get cheaper rates in minutes.
To help you find the right policy for your needs, we answered common questions about Plano auto insurance.
The cheapest auto insurance company in Plano is State Farm. Its average monthly rate is $41, according to our data. But the company may or may not be the cheapest for you, since it’ll depend on your personal factors.
Drivers in Plano, Texas, pay an average monthly rate of $180 for car insurance, according to our data. Liability-only rates average 41 per month, while full coverage averages $74.
The cheapest car insurance company in Texas is State Farm, with an average monthly cost of $41, according to our research.
Yes. GEICO’s average rates in Texas are cheap. A full-coverage policy costs an average of $79 per month, according to our data. But GEICO may not be the cheapest option for everyone, so it’s worth comparing rates to get personalized quotes.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
)
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
)
AAA auto insurance policies often have higher average rates than many competitors, but it does have solid discounts and membership benefits.
)
USAA SafePilot can get you a discount of up to 30% if you practice safe driving, but the app can be glitchy. Find out if it’s right for you.
)
Progressive Snapshot can potentially save you money on car insurance. Find out if it’s worth it with our latest guide.
)
We explain what the State Farm Drive Safe & Save program is, including what it tracks, how much you can save, and real customer reviews.
)
For drivers with a lower income in Texas, State Farm, GEICO, and Allstate have the cheapest car insurance.
)
Chevrolet Colorado drivers pay an average of $136 per month for car insurance. Find out ways to save and which companies offer the cheapest rates.
)
