Who Has Affordable Auto Insurance for Drivers with a Bad Driving Record in Plano?

The words “low-cost” and “insurance” probably shouldn’t be used together, especially when looking for the best price on coverage for drivers with a bad driving record. Because it’s so expensive, let’s introduce you to some things that determine auto insurance rates, and see if you can lower the cost of the next policy you buy.

For bad drivers, one of the more important things that help determine the annual cost of car insurance is where you live. Areas with more people or even just a higher incidence of claims tend to have more expensive car insurance rates, whereas less populated areas tend to receive slightly lower rates.

The following table sorts the priciest cities in Texas for drivers with a bad driving record to buy car insurance in. Plano is listed at #19 having an annual price of $1,608 on average, which is about $134 per month.

Car insurance prices in Plano
Rank City Annual Premium
1 McAllen $1,956
2 Houston $1,909
3 Laredo $1,907
4 Brownsville $1,851
5 Garland $1,850
6 Dallas $1,837
7 Pasadena $1,794
8 Grand Prairie $1,793
9 Irving $1,789
10 Amarillo $1,786
11 Beaumont $1,772
12 Mesquite $1,753
13 San Antonio $1,722
14 Lubbock $1,682
15 Austin $1,676
16 Fort Worth $1,653
17 Arlington $1,642
18 McKinney $1,625
19 Plano $1,608
20 Carrollton $1,598
21 El Paso $1,584
22 Corpus Christi $1,572
23 Waco $1,569
24 Abilene $1,499
25 Killeen $1,488
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Premium amounts are estimated as the specific geographic location can impact coverage rates significantly.

The vehicle model to be insured is one of the largest factors when trying to find the most economical auto insurance for drivers with a bad driving record. Vehicles with reasonable performance levels, good safety features, or a low likelihood of having liability claims will cost substantially less to insure than high performance models. The list below showcases insurance premiums for a selection of the most budget-friendly vehicles to insure.

Cheapest Vehicles to Insure in Plano, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $3,343
Hyundai Elantra GLS Touring Station Wagon $3,352
Ford Escape Limited 4WD $3,559
Volkswagen Jetta S 2.5 Station Wagon $3,567
Toyota Prius $3,749
Ford Explorer XLT 4WD $3,939
Toyota Tacoma 4WD $3,944
Toyota Camry LE $3,958
Chevrolet Impala LT $3,966
Toyota RAV4 Limited 4WD $3,958
Dodge Grand Caravan Crew $3,998
Ford Focus SE 4-Dr Sedan $4,039
Ford Edge Limited 2WD $4,072
Honda Odyssey EX $4,077
Chevrolet Malibu LS $4,081
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Data based on single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease price quotes considerably.

By looking at the data, makes and models like the Honda CR-V, Hyundai Elantra, and Ford Escape are likely to be some of the most affordable vehicles to insure for bad drivers. The price of auto insurance will be more expensive because of the fact that there is more risk for drivers with a bad driving record, but in general those particular models will probably have the best rates that you are likely to find.

Determining which company has the lowest-priced car insurance rates for drivers with a bad driving record will involve more work in order to find coverage that fits your budget. Each auto insurer uses their own formula to determine premium rates, so let’s examine the most competitive car insurance companies in Plano.

Best Car Insurance Prices for Imperfect Drivers

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Cheapest Texas auto insurance companies
Rank Company Cost Per Year
1 Travelers $1,010
2 USAA $1,084
3 Texas Farm Bureau $1,211
4 Germania Mutual $1,294
5 Esurance $1,379
6 California Casualty $1,382
7 Mercury $1,461
8 State Farm $1,465
9 Nationwide $1,553
10 Safe Auto $1,565
11 Progressive $1,647
12 Allstate $1,701
13 Amica $1,723
14 Home State $2,092
15 GEICO $2,093
16 MetLife $2,183
17 Encompass $2,255
18 Unitrin $2,264
19 21st Century $2,421
20 Titan $2,594
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Travelers normally has some of the cheapest car insurance rates in Plano at around $1,010 annually. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the most economical Plano, TX auto insurance companies.

As shown above, if you are currently insured with USAA and switched to Travelers, you could realize a yearly savings of about $74. Insureds with Texas Farm Bureau could save as much as $201 a year, and Germania Mutual insureds might realize rate reductions of up to $284 a year.

To see if you’re overpaying, click here to begin a quote or click through to the companies below.

Bear in mind that those estimates are averages for all insureds and vehicles and do not take into consideration an exact location for drivers with a bad driving record. So the company that is best suited for you may not even be in the list above. That points out the importance of why you need to get rate quotes using your own specific driver and vehicle information.

Plano car insurance companies ranked

Insuring your vehicle with the right insurance company is hard considering how many different companies there are to choose from in Plano. The company rank data shown next can help you analyze which coverage providers to look at comparing rates with. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure will not be included in these rankings.

Top 10 Large Auto Insurers Overall in Plano

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

Types of discounts on Plano car insurance

Discounts on car insurance for drivers with a bad driving recordInsurance companies that offer quotes for drivers with a bad driving record could also offer rate discounts that could lower prices by 35% or more if you meet specific criteria. Popular car insurance companies and some of the premium reductions they offer can be found below.

The chart below shows the difference between insurance rates with and without discounts applied to the premium. The rates are based on a female driver, one accident and two traffic tickets, Texas state minimum liability limits, full coverage, and $1,000 deductibles.

The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with multiple policy, vehicle safety, paperless filing, paid-in-full, marriage, and anti-theft discounts applied. When discounts are factored in, theaverage yearly reduction on car insurance for drivers with a bad driving record is 28% or $967.

Why you should be shopping around

Plano car insurance rates are determined by lots of factors which can substantially change your annual premium. Simply having another birthday, increasing liability limits, or getting a DUI can produce rate changes that can make some companies more affordable than the competition. Not only may your risk profile change, but insurance companies file new rates as often as every quarter in order to remain profitable. An extended period of higher than normal claims may cause high rates, while profitable underwriting may cause cheaper Plano car insurance rates.

For instance, the data below demonstrates which company has the cheapest car insurance in Plano, TX for a 45-year-old male driver with a good driving record, no prior claims, and a good credit history. If we estimate prices based on his current risk factors, Travelers has the most affordable car insurance rates in Plano at $1,148 per year. This is $756 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the cheapest Plano, TX auto insurance companies.

Now let’s give the driver in the first example a claim, poor credit, and a couple of points charged on his driving record. Because each company has a different process to determining premium rates, comparing prices most likely will result in a significantly different list of the cheapest companies as shown below.

State Farm now has the cheapest rate in Plano with Mercury, Nationwide, Safe Auto, and USAA completing the list. This example illustrates why it is critical to compare many different companies to find the best insurance rates for drivers with a bad driving record.

Prices are impacted by many factors and change substantially, so the most economical option the last time you checked may now be wasting a lot of money.