Who Has the Cheapest Plano Car Insurance Rates for Felons?

Buying reasonably-priced car insurance is not most people’s favorite thing to do, and finding out which companies quote the most affordable insurance rates for felons will require even more rate comparisons. Each insurance company has their own unique process for filing rates in each state, so we’ll go over the insurance companies with the most affordable rates in Texas.

It’s important to understand that Plano insurance rates are impacted by many things that may substantially change the policy price. This price variation is why it is critical to perform a complete rate comparison to get the lowest auto insurance quotes for felons. Auto insurance prices are influenced by many different factors and change frequently, so the cheapest rate the last time you checked may now be priced much higher than other options.

Best Car Insurance Prices for Felons

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Texas car insurance ranked by cost per year
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,128
3 Texas Farm Bureau $1,235
4 Germania Mutual $1,256
5 Esurance $1,407
6 California Casualty $1,438
7 State Farm $1,495
8 Mercury $1,521
9 Safe Auto $1,565
10 Nationwide $1,585
11 Progressive $1,647
12 Allstate $1,667
13 Amica $1,775
14 Home State $2,134
15 GEICO $2,156
16 MetLife $2,183
17 Unitrin $2,241
18 Encompass $2,301
19 21st Century $2,469
20 Titan $2,568
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Travelers normally has some of the lowest car insurance rates in Plano at around $1,052 per year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the lowest-priced Plano, TX insurance companies.

In the above example, if you are insured with Texas Farm Bureau and switched to Travelers, you might realize a yearly savings of in the vicinity of $183. Insureds with Germania Mutual might save as much as $204 a year, and Esurance policyholders might realize rate reductions of up to $355 a year.

If you want to see how much you could save, click here to begin a quote or visit several of the following companies.

Remember that these estimates are averages across all types of insureds and vehicles and and are not figured with an exact zip code location for felons. So the auto insurance company that has the lowest price for you may not even be in the top 23 companies shown above. That helps illustrate why you need to quote rates from many companies using your own personalized driver profile and vehicle information.

The car, truck, or SUV requiring coverage is probably the biggest factor when consumers are trying to find cheaper car insurance for felons. Vehicles with high performance engines, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models. The next table shows insurance costs for the most affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Plano, TX
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 4WD $860
Honda CR-V LX 4WD $867
Ford Edge Limited 2WD $997
Ford Focus SE 4-Dr Sedan $1,004
Toyota RAV4 Limited 2WD $1,016
Hyundai Elantra GLS Touring Station Wagon $1,051
Ford F-350 XL Super Cab 2WD $1,056
Toyota Tacoma X-Runner 2WD $1,068
Toyota Camry SE $1,073
Hyundai Sonata GLS 4-Dr Sedan $1,087
GMC Sierra 3500HD SLE Extended Cab 2WD $1,108
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,127
Chevrolet Impala LS $1,142
Volkswagen Jetta 2.0T Station Wagon $1,148
Nissan Altima 2.5 S 2-Dr Coupe $1,159
GMC Sierra SLT Crew Cab 4WD $1,161
Jeep Grand Cherokee Laredo 4WD $1,165
Chevrolet Equinox LT AWD $1,170
Toyota Prius $1,169
Dodge Ram Quad Cab Sport 4WD $1,180
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Rate quotes do not factor in specific location information which can increase or decrease prices greatly.

Looking at the rates, we can conclude that makes and models like the Ford Escape, Honda CR-V, and Ford Edge are going to be the most budget-friendly vehicles to insure for felons.

The information below illustrates how your choice of deductibles can increase or decrease annual premium costs when getting quotes for cheap insurance for felons. The premiums are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.

In the chart above, a 30-year-old driver could lower rates by $468 a year by switching from a $100 deductible to a $500 deductible, or save $704 by selecting a $1,000 deductible. Even younger drivers, like the 20-year-old example, could roll back prices up to $1,048 or even more by using a higher deductible.

When choosing a higher deductible, it is necessary to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense that is associated with using high deductibles.

Get discounts on Plano car insurance rates

Discounts on insurance for felonsInsurers that provide coverage for felons may provide premium discounts that could reduce prices by as much as 25% or more if you meet specific criteria. Popular insurance companies and a partial list of their discounts are included below.

The example below visualizes the comparison of annual premium costs with and without discounts applied to the premium. The data is based on a female driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multiple vehicle, marriage, accident-free, claim-free, and vehicle safety discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for felons is 28% or $771.

Why you should shop around

Texas insurance rates are impacted by many things that may substantially change the price of coverage. Improving your credit rating, moving across town, or having an accident can produce rate changes that can make some companies cheaper in comparison to the competition. Not only may your risk profile change, but car insurance companies file new Texas auto insurance rates multiple times each year to help ensure profitability. Higher than normal claims may cause rate increases, while a better loss history can cause cheaper Plano car insurance rates.

The graph below shows a variety of companies that have the cheapest car insurance in Plano, TX for a 30-year-old male driver with no violations or accidents, and good financial standing. When quoting prices based on his personal profile, Travelers offers the best car insurance rates in Plano at $1,106 per year. This is $798 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also make the list of the cheapest Plano, TX auto insurance companies.

In this next rate comparison, we will give the driver from the first set of rates an at-fault accident, poor credit, and a blemish on his driving record. Since each company has a proprietary method for determining rates, analyzing rates will most likely result in a different set of the cheapest Plano car insurance companies as shown below.

State Farm now has the best car insurance rate in Plano with Mercury, Safe Auto, Nationwide, and USAA also having competitive pricing. This demonstrates why drivers need to compare many different companies when trying to get affordable auto insurance quotes for felons. Car insurance prices can be determined by many things and can change substantially, so the cheapest rate a year ago may now be quite expensive.

The insurance agencies listed below can probably help you decide which car insurance company is the best fit, as some drivers aren’t sure which coverage they need and prefer to get help from a professional when shopping around for cheaper insurance for felons. It can be time-consuming to find the best coverage yourself, so insurance agents licensed in the state of Texas can provide peace of mind knowing your coverage gives you decent coverage if you have a claim.

To find an agent by location nearest to you, click the button at the bottom of the list or click here to compare prices now.

Jason Ruiz – State Farm Insurance Agent
5809 Preston Rd #586Plano, TX 75093(972) 378-1024

A R Schell and Son Agency
1001 E 15th St #100Plano, TX 75074(469) 609-8156

Allstate Insurance: Danny Wilson
5501 Independence Pkwy Ste 311Plano, TX 75023(972) 519-0936

View more Plano, TX insurance agencies