Cheapest Auto Insurance in Plano, Texas (2025)

The overall average monthly cost of car insurance in Plano is $174. This is consistent with the total Texas state average of $171 per month. 

That’s at least partly because Plano is susceptible to some weather risks but generally escapes the strongest storms, like hurricanes.1 As a result, Plano drivers pay cheaper premiums than drivers in some other parts of Texas, like Houston.

State Farm, Mile Auto, and Allstate are the cheapest car insurance companies for Plano drivers. However, while rates are lower in Plano, you can still reduce your car insurance costs even more by comparing quotes from multiple insurers. 

Cheapest car insurance companies in Plano

Many car insurance companies serve drivers in Plano, but not all insurers are the same. The best car insurance company for you will depend on your individual situation, coverage needs, and budget. That’s why it’s important to compare quotes from several insurers to find the best policy for you.

As you begin your search for insurance in Plano, keep the following three insurers in mind.

Best insurer for affordable rates: State Farm

Best insurer for military members: USAA

Best insurer for discounts: GEICO

How to get the cheapest car insurance in Plano

Car insurance rates are personalized depending on factors like your age, credit history, ZIP code, marital status, and driving record. Additionally, car insurance companies charge different rates for the same types of coverage.

Fortunately, you have several ways to lower your car insurance costs, including the following:

• Raise your deductible. Your deductible is the out-of-pocket cost you must pay when you have a claim. Choosing a higher deductible will reduce your monthly premium.

• Bundle your policies. Most insurance companies offer a generous discount if you purchase multiple insurance products, like car insurance with homeowners insurance or renters insurance.

• Take a defensive driving course. Taking an approved defensive driving course can often help you save money on car insurance.

• Pay in full. You can typically get cheap car insurance in Plano if you pay your annual premium up front in a lump sum.

• Compare rates. It’s a good idea to get quotes from multiple insurance companies to find the most affordable policy for your unique situation.

Cheapest liability-only car insurance in Plano: State Farm

Liability car insurance covers your financial responsibility when you cause a car accident that results in someone else’s bodily injuries or property damages. However, it doesn’t provide any coverage for your own medical bills or vehicle repairs.

State Farm is the cheapest insurance company for liability-only coverage in Plano, based on Insurify rate data. State Farm’s lowest minimum-coverage rate is $57 per month.

On average, liability insurance costs Plano drivers $127 per month. Below, you can see the cheapest liability-only insurance companies in Plano.

Cheapest full-coverage car insurance in Plano: State Farm

Full-coverage auto insurance provides more coverage than liability-only insurance. A full-coverage policy includes collision and comprehensive insurance.

Collision covers repairs to your vehicle when you collide with another car or an object such as a tree, fence, or light pole. Comprehensive pays to repair your car after damage from non-collision incidents, such as theft, vandalism, hail, or flooding.

Full coverage is optional for most drivers. However, it’s often a requirement if you lease or finance your vehicle.

On average, full coverage costs Plano drivers $221 per month. Here are the cheapest companies for full-coverage car insurance in Plano.

Car insurance requirements in Texas

Car insurance is legally required for all vehicle owners in Texas, and drivers must carry a minimum amount of coverage. Drivers need to have liability insurance with policy limits of at least 30/60/25.5

Because Texas is a fault state, the at-fault driver’s insurance compensates the other party for their bodily injury and property damage losses.

Here’s a look at the minimum insurance requirements to drive legally in Texas:

In addition to the required coverages listed above, you may also benefit from optional coverages. Here are some of the most common car insurance endorsements you might consider:

Cheapest car insurance for drivers with an incident

Drivers with an incident on their record, like a speeding ticket or at-fault accident, generally pay the highest rates for coverage because insurers deem them riskier to insure. More serious violations, like driving under the influence, usually have the biggest effect on auto insurance rates and could cause some insurers to drop coverage altogether.

In the chart below, you can see how individual incident types affect liability rates in Plano.

Average cost of car insurance by age

Age is one of the biggest factors that affect your car insurance premium. Young drivers and teen drivers usually pay higher insurance rates because they lack experience behind the wheel. Teens also have a higher accident rate than any other age group.6

Rates then usually decrease around age 35 before rising again around age 70. Data shows that senior drivers are more likely to be involved in injury and fatal collisions than middle-aged drivers, which makes them more risky to insure.7

In the table below, you can see the average quotes for car insurance for Plano drivers in different age groups.

Plano car insurance quotes by credit tier

Texas allows car insurance companies to use credit-based insurance scores. Insurers calculate these scores based on your personal credit history. Plano drivers with excellent or good credit typically pay lower rates than drivers with poor credit.

Here, you can see the average monthly car insurance rates in Plano based on your credit tier.

Plano car insurance FAQs