Who Has the Cheapest Plano Car Insurance for Drivers with Accidents?

You have seen the catchy advertisements from car insurance companies like Progressive and Allstate guaranteeing the cheapest price. So drivers should just pick the company with the best ad, right?

That is not the case, however, as there are a whole bunch of unknown factors like how high your deductibles should be, if you are a man or woman, the crime level of your neighborhood, and your financial responsibility, that all have an effect on the price. If you keep reading, we will teach you about some of these things and should give you a jump start in finding the best auto insurance in Plano.

For drivers with at-fault accidents, one of the largest considerations that determine car insurance rates is the neighborhood you call home. More densely populated places will most likely have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The information below rates the most expensive places in Texas for drivers with accidents to purchase a policy in. Plano is ranked at #20 with an annual cost of $1,624 for car insurance, which is about $135 each month.

How much is auto insurance in Plano, TX?
Rank City Premium Per Year
1 McAllen $1,996
2 Dallas $1,911
3 Houston $1,891
4 Laredo $1,889
5 Brownsville $1,851
6 Garland $1,850
7 Amarillo $1,840
8 Mesquite $1,825
9 Grand Prairie $1,811
10 Irving $1,789
11 Pasadena $1,758
12 Beaumont $1,754
13 San Antonio $1,739
14 Lubbock $1,665
15 Austin $1,659
16 Fort Worth $1,653
17 Carrollton $1,647
18 Arlington $1,642
19 Corpus Christi $1,636
20 Plano $1,624
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Premium costs are approximated as specific Plano zip code can raise or lower rates substantially.

The car, truck, or SUV to be insured is a large consideration that determines whether or not you find the best cheap auto insurance for drivers with accidents. Vehicles with reasonable performance levels, good crash test ratings, or a low likelihood of liability claims will cost significantly less to insure than adrenaline junky models. The information below shows insurance rates for a handful of the most budget-friendly automobiles to insure.

Cheapest Vehicles to Insure in Plano, TX
Insured Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $2,133
Volkswagen Jetta S 2.5 Station Wagon $2,264
Ford Escape Limited 2WD $2,271
Toyota Prius $2,400
Ford Edge Limited 2WD $2,470
Chevrolet Equinox LS AWD $2,497
GMC Sierra SLE Crew Cab 2WD $2,505
Toyota RAV4 Limited 2WD $2,612
Ford Explorer Limited 2WD $2,641
Chevrolet Malibu LT $2,649
Dodge Grand Caravan Crew $2,641
Toyota Tacoma Double Cab 4WD $2,650
Jeep Grand Cherokee Laredo 4WD $2,658
Chevrolet Silverado LS Crew Cab 4WD $2,654
GMC Sierra 3500HD SLT Extended Cab 2WD $2,682
Ford F-150 Lariat Crew Cab 2WD $2,689
Hyundai Sonata GLS 4-Dr Sedan $2,701
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Data rating is based on single male driver age 30, no speeding tickets, two at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific location information which can affect auto insurance rates significantly.

Looking at the rates, we can conclude that makes and models like the Honda CR-V, Volkswagen Jetta, Ford Escape, Toyota Prius, and Ford Edge are some of the cheapest vehicles to insure for drivers with at-fault accidents. The cost of auto insurance will tend to be more expensive anyway just due to the fact that there is more claim exposure for drivers with accidents, but generally speaking those particular vehicles will probably have the cheapest auto insurance rates that you’ll find.

Comparing quotes for low-priced car insurance is not most people’s favorite thing to do, and determining which insurers offer the best car insurance rates for drivers with accidents calls for additional perseverance. Each insurer has their own formula for determining rates, so to begin we’ll rank the car insurance companies that tend to be cheaper in Plano.

We do need to point out that Plano, TX car insurance rates are impacted by many things which can significantly increase or decrease the price of coverage. Simply having a birthday, marrying your spouse, or getting a ticket for careless driving may cause policy rate changes resulting in some rates now being cheaper than competitors.

Find the Cheapest Car Insurance for Accident Prone Drivers

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Travelers generally has some of the cheapest car insurance rates in Plano at around $1,052 each year. USAA, Texas Farm Bureau, Germania Mutual, and California Casualty also make the cut as some of the cheaper Plano, TX insurance companies.

In the rate table above, if you currently have coverage with Germania Mutual and switched to USAA, you might see a yearly price reduction of roughly $161. Texas drivers with California Casualty might save as much as $287 a year, and Esurance insureds might lower prices by up to $326 a year.

Remember that these estimates are averages for all types of insureds and vehicles and and are not calculated with an exact location for drivers with accidents. So the company that can offer you the best rate may not even be in the list above. That affirms the importance of why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

Texas car insurance companies

Selecting a high-quality auto insurance company can be a challenge considering how many companies are available to choose from in Plano. The company rank data displayed below could help you analyze which coverage providers to look at when shopping car insurance rates for drivers with accidents.

The ratings below are for companies with a nationwide focus, so companies without a large exposure are not included in this list. If you’d like to compare prices from these and other top-rated companies, follow this link.

Best 15 Car Insurance Companies for Drivers with Accidents 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
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Data Source: Insure.com Best Car Insurance Companies

The diagram below illustrates how your deductible choice can increase or decrease insurance costs when searching for cheap insurance for drivers with accidents. The data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.

In the chart above, a 50-year-old driver could reduce rates by $422 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $634 by using a $1,000 deductible. Young drivers, like the 20-year-old, could shave as much as $1,074 or more by selecting a higher deductible. When using a larger deductible, it will be required to have enough savings to be able to cover the extra out-of-pocket expense. That is the one drawback of using higher deductibles.

Impact of speeding/accidents on Plano car insurance rates

The easiest way to obtain the cheapest car insurance rates in Plano for drivers with at-fault accidents is to be a safe driver and avoid at-fault accidents and violations. The illustration below shows how violations and fender-benders drive up premium costs for different age groups of insureds. The information is based on a single female driver, full physical damage coverage, $100 deductibles, and no discounts are factored in.

In the chart above, the average cost of a car insurance policy in Plano per year with no accidents and a clean driving record is $2,767. Get two speeding tickets and the average cost increases to $3,727, an increase of $960 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of car insurance for drivers with accidents goes up to an average of $4,712. That’s an increase of $1,945, or $162 per month, just for not being a responsible driver!

How to find budget-friendly car insurance for drivers with accidents

Below you’ll find some thrifty ideas that can help Texas drivers get low-cost coverage.

That last idea is remarkably significant, as was pointed out in this write-up. Auto insurance rates fluctuate constantly, so you should be ready to change insurance companies if a cheaper price is available. Having a favorite company is great, but is isn’t recommended if that loyalty ends up costing money that could be used for better things. If you have a few minutes, now is a great time to shop around and find cheaper car insurance for drivers with accidents in Plano.

The insurance agencies listed below are willing to help you make a decision which policy fits your needs best, since some people have coverage questions and would like to have a consultation when shopping for the best coverage for drivers with at-fault accidents. It’s not always simple to find the cheapest auto insurance company, and a professional agent can add comfort knowing your coverage gives you suitable coverage if you ever need to use it. To find an agent nearest to you, click the button after the list or click here to compare prices now.

Jennifer Webb – State Farm Insurance Agent
208 Coit Rd #600Plano, TX 75075(972) 312-9930

Farmers Insurance – Joseph Qiu
5016 Tennyson PkwyPlano, TX 75024(972) 781-0808

Allstate Insurance: Matthew Greiner
2415 Coit Rd dPlano, TX 75075(972) 769-8800

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