Who Has Affordable Auto Insurance Quotes for Young Drivers in Plano?

This article would sure be shorter if we could tell you the single best company that has the lowest rates in Texas. Unfortunately, it’s just not that easy, as there are a lot of unknowns such as whether you are single or married, the performance level of your vehicle, how high your deductibles should be, and if you have a tendency to get pulled over, that all impact the cost of coverage. We will try to cover the types of things that cause high car insurance rates and educate you enough to have a good start in finding the cheapest insurance in Plano.

One of the more important considerations that determine the amount you pay each year for auto insurance is where you normally keep your vehicle in Plano. Regions with more people or even just more weather-related claims tend to pay slightly more, whereas more rural areas can boast about having cheaper rates.

The information below rates the priciest cities in Texas for young drivers to buy auto insurance in. Plano is ranked #22 with the yearly price of $1,576 for the average policyholder, which is about $131 each month.

How much does car insurance cost in Plano, TX?
Rank City Average Per Year
1 McAllen $1,996
2 Brownsville $1,908
3 Amarillo $1,858
4 Dallas $1,837
5 Houston $1,835
6 Laredo $1,833
7 Pasadena $1,812
8 Grand Prairie $1,811
9 Garland $1,778
10 Beaumont $1,772
11 Mesquite $1,771
12 San Antonio $1,739
13 Lubbock $1,733
14 Irving $1,719
15 Arlington $1,692
16 Austin $1,659
17 Fort Worth $1,653
18 Carrollton $1,647
19 Corpus Christi $1,620
20 El Paso $1,616
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Prices are comparative as the garaging address in Plano can alter auto insurance rates significantly.

Shopping around for low-cost car insurance is tough enough, and deciding which companies quote the best car insurance rates for young drivers will take additional perseverance. Each auto insurance company uses a little different formula for determining rates, so to begin we’ll rank the most affordable car insurance companies in Plano.

Cheapest Insurance Rates for Teens

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Texas auto insurance company rankings
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,282
5 Esurance $1,365
6 California Casualty $1,396
7 State Farm $1,495
8 Mercury $1,521
9 Safe Auto $1,549
10 Nationwide $1,585
11 Allstate $1,667
12 Amica $1,705
13 Progressive $1,715
14 Home State $2,071
15 GEICO $2,156
16 MetLife $2,227
17 Unitrin $2,241
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,594
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Travelers has some of the most affordable car insurance rates in Plano at around $1,052 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also qualify as some of the best Plano, TX auto insurance companies.

As shown in the rates above, if you buy coverage from Germania Mutual and switched to USAA, you might see an annual premium reduction of upwards of $154. Policyholders with Esurance could save as much as $237 a year, and California Casualty customers might realize rate reductions of up to $268 a year.

It’s important to note that these estimates are averaged for all drivers and vehicles in Texas and are not factoring in a specific zip code for young drivers. So the insurer that can offer you the lowest price may not even be in the list above. That emphasizes why you need to get quotes using your own personal information and vehicle type.

Irresponsible driving raises your rates

The ideal way to find the best car insurance rates in Texas for youthful drivers is to drive safely and not have accidents or get tickets. The illustration below illustrates how violations and accident claims can impact annual premium costs for different age categories. The prices are based on a married male driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

In the chart above, the average cost of a car insurance policy per year with no accidents or violations is $1,864. Get written up for one speeding ticket and the average cost surges to $2,139, an increase of $274 each year. Next add two accidents along with the one speeding ticket and the yearly cost of car insurance for young drivers jumps again to an average of $4,450. That’s an increase of $2,585, or $215 per month, just for a couple of infractions!

Ending up with the top company is difficult considering how many choices you have in Texas. The rank data shown next may help you choose which auto insurance companies you want to consider putting your business with. These ratings only include the largest auto insurers in America, so companies that may only write in Texas are not included in this list.

Best Car Insurance Companies for Young Drivers in Texas
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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Data Source: Insure.com Best Car Insurance Companies

If you wish to have the advice of a professional agent when trying to find the best insurance rates for young drivers, the insurance agencies below can most likely help you determine which coverages are best.

To locate an agency closest to you, click the button link following the list or click here to compare price quotes.

View more Plano, TX insurance agents

How to find economical car insurance for young drivers

It is possible to find better rates, and here are some of the better penny-pinching solutions that can help drivers quote cheaper auto insurance.

The last idea is very vital, as we hit on in the prior information. Coverage prices change constantly, so don’t hesitate to change to a new company if you can save money.

Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that loyalty ends up costing potentially thousands of dollars a year. Now is a great time to compare prices to find cheaper car insurance for young drivers in Plano.