Affordable Car Insurance in Plano

Nobody enjoys buying car insurance, not even us. But there are ways to save money when buying it that can help take the sting out of paying the premium.

The most effective way to find affordable car insurance rates is to start doing a yearly price comparison from providers who sell auto insurance in Plano.

  1. Try to learn a little about coverages and the factors you can control to prevent expensive coverage. Many policy risk factors that are responsible for high rates such as speeding tickets, careless driving and an imperfect credit history can be rectified by making minor driving habit or lifestyle changes. Read the full article for instructions to get better rates and find missing discounts.
  2. Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can provide rates from one company like Progressive and State Farm, while independent agencies can give you price quotes from multiple companies. Begin your rate comparison
  3. Compare the new rate quotes to the premium of your current policy to determine if you can save on insurance. If you find a lower rate and switch companies, ensure coverage does not lapse between policies.
  4. Give proper notification to your current agent or company of your intention to cancel your current auto insurance policy. Submit the signed application along with the required initial payment to the new insurer. As soon as you have the new policy, place the new certificate verifying coverage with your vehicle's registration.

A key point to remember is to make sure you're comparing the same level of coverage on each price quote and and to get price quotes from as many companies as you can. This guarantees a level playing field and the most accurate and complete price analysis.

The cost of auto insurance coverage depends on a wide range of factors, but the average policy in Plano is right around $1,400 annually. Other states average around $1,250, so Plano drivers pay about $16 more each month than other American drivers.

Insurance rates in Plano are dependent upon many different variables, but one of the primary factors is the type of vehicle you drive. The table below details insurance cost for popular vehicles sold in Plano.

Auto Insurance Rates for Popular Vehicles in Plano
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Equinox LTZ 2WD $1,466 $733 $122
Chevrolet Malibu LT $1,386 $693 $116
Chevrolet Silverado LTZ Crew Cab 2WD $1,554 $777 $130
Dodge Ram Quad Cab SLT 2WD $1,474 $737 $123
Ford Escape XLT 4WD $1,174 $587 $98
Ford F-150 Lariat King Ranch 4WD $1,494 $747 $125
Ford Focus SEL 4-Dr Sedan $1,406 $703 $117
Honda Accord LX 4-Dr Sedan $1,144 $572 $95
Honda CR-V LX 4WD $1,144 $572 $95
Honda Civic EX-L 4-Dr Sedan $1,518 $759 $127
Hyundai Elantra Blue 4-Dr Sedan $1,406 $703 $117
Jeep Grand Cherokee Limited 2WD $1,466 $733 $122
Nissan Altima 3.5 SR 2-Dr Coupe $1,636 $818 $136
Toyota Camry LE $1,356 $678 $113
Toyota Corolla XRS $1,466 $733 $122
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Data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in vehicle location which can impact premiums noticeably.

Get cheaper auto insurance with discounts

The illustration below shows the difference between car insurance rates with and without some available policy discounts. The data assumes a female driver, no violations or accidents, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-policy, marriage, multi-car, claim-free, and homeowner discounts applied.

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Plano, Texas Car Insurance Company Rankings
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Top 10 cheapest vehicles to insure in Plano, TX
Honda Fit
Hyundai Accent
Mini Cooper
Chrysler PT Cruiser
Honda Accord
Chevrolet Colorado
Hyundai Elantra
Ford Escape
Kia Rondo
Mazda MX-5 Miata
Top 10 most expensive vehicles to insure in Plano, TX
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Mercedes-Benz CL550
Top 10 safest vehicles to insure in Plano, TX
GMC Acadia
Chrysler Town and Country
Chevrolet Silverado 2500HD
Ford Fusion
Toyota Tacoma
Volvo XC60
Jeep Wrangler
GMC Yukon
Subaru Outback
Infiniti QX56