How Much is Plano Auto Insurance for Good Students?

Wouldn’t it be great if we could just give you the name of the company that has the cheapest car insurance rates for good students? Unfortunately, it’s just not that easy, as there are many unknown factors such as if you are a homeowner or renter, the safety features built into your vehicle, whether you are single or married, and what coverage limits you need. This article will cover these factors and others that can influence the price of auto insurance and will give you a good start in finding the cheapest car insurance in Plano.

For student drivers, one of the big things that are used to help calculate the amount you pay each year for auto insurance is where you live in Plano. More densely populated places tend to have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims have the benefit of cheaper car insurance.

The following table rates the most expensive places in Texas for good students to purchase auto insurance in. Plano is listed at #19 with an annual cost of $1,608 on average, which is about $134 each month.

Car insurance prices in Plano
Rank City Average Per Year
1 McAllen $1,936
2 Brownsville $1,908
3 Houston $1,891
4 Laredo $1,889
5 Dallas $1,855
6 Amarillo $1,840
7 Garland $1,832
8 Grand Prairie $1,811
9 Irving $1,789
10 Mesquite $1,771
11 Pasadena $1,740
12 San Antonio $1,722
13 Beaumont $1,720
14 Lubbock $1,716
15 Arlington $1,642
16 McKinney $1,625
17 El Paso $1,616
18 Austin $1,610
19 Plano $1,608
20 Fort Worth $1,604
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Information shown are comparative as zip code location can modify coverage rates significantly.

Deciphering which companies have the cheapest auto insurance rates for good students calls for a little more effort in order to find the lowest price.

Every auto insurer has a different process for filing rates in each state, so we will examine the auto insurance companies that tend to be cheaper in Texas. Keep in mind that Plano auto insurance rates are impacted by many things which can significantly increase or decrease the policy premium. Simply getting older, moving across town, or getting a reckless driving citation can produce rate changes that can cause some rates to be affordable when they were higher priced.

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Travelers normally has some of the cheapest car insurance rates in Plano at around $1,052 a year. This is $852 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also some of the cheaper Plano, TX car insurance companies.

In the rate table above, if you are insured with Germania Mutual and switched to USAA, you might see an annual savings of upwards of $128. Drivers with Esurance might save as much as $237 a year, and California Casualty insureds might reduce rates by $310 a year.

To find out how much you can save, click here to get a free quote or click several companies below for low rates.

These policy rates are averaged for all types of insureds and vehicles and do not take into consideration an exact zip code location for good students. So the insurer that fits your situation best may not even be in the top 23 companies in the list above. That underscores the importance of why you need to get quotes using your own specific driver information and vehicle.

The vehicle model to be insured is one of the largest considerations when trying to find the best cheap auto insurance for good students. Vehicles with high performance, poor crash test ratings, or an increased likelihood of liability claims will cost much more to insure than more modest models.

The list below presents insurance prices for some of the most affordable automobiles to insure.

Cheapest Vehicles to Insure in Plano, TX
Vehicle Estimated Cost for Full Coverage
Ford Escape XLS 2WD $4,156
Honda CR-V EX-L 2WD $4,195
Jeep Wrangler Sport 4WD 2-Dr $4,379
Volkswagen Jetta S 2.5 Station Wagon $4,449
Toyota Prius $4,488
Ford Explorer XLT 4WD $4,673
Chevrolet Impala LS $4,887
Jeep Grand Cherokee Laredo 2WD $4,927
Chevrolet Equinox LT 2WD $4,932
Toyota RAV4 2WD $4,927
Dodge Grand Caravan SXT $4,966
Ford F-150 Lariat Crew Cab 4WD $4,975
Toyota Tacoma Double Cab 4WD $4,966
Chevrolet Silverado LS Regular Cab 2WD $5,049
Hyundai Elantra Blue 4-Dr Sedan $5,143
Honda Civic VP 4-Dr Sedan $5,148
Ford Focus SES 4-Dr Sedan $5,143
Toyota Camry SE $5,182
Honda Odyssey EX-L W/Navigation $5,191
Ford Edge Sport 2WD $5,182
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Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in zip code location which can alter prices significantly.

Based upon the rates shown, you can expect makes and models like the Ford Escape, Honda CR-V, Jeep Wrangler, Volkswagen Jetta, and Toyota Prius are going to be a few of the most economical vehicles to insure for student drivers.

Finding the best company can be a challenge considering how many companies there are in Plano. The company rank data shown next may help you select which insurers you want to consider to insure your vehicles. The ratings below are only made up of companies with a nationwide focus, so companies that focus mainly on Texas business are not included in the list.

Best Auto Insurance Companies for Good Students 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: Best Car Insurance Companies

Drive responsibly or pay higher rates

In a perfect world, the ideal way to obtain the cheapest auto insurance rates for student drivers is to drive safely and avoid accidents and traffic citations. The illustration below shows how speeding tickets and at-fault accidents can increase insurance premiums for different age groups of insureds. Data assumes a married male driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

The data above shows the average cost of an auto insurance policy per year with no violations or accidents is $1,358. Get two speeding tickets and the average cost increases to $1,864, an increase of $506 each year. Now get one accident along with the two speeding tickets and the yearly cost of auto insurance for good students jumps again to an average of $2,377. That’s an increase of $1,019, or $85 per month, just for not driving safely!

How to find economical insurance for good students

The list below details many penny-pinching solutions that can help drivers find more affordable coverage.

The last idea is extraordinarily critical, as we emphasized in this write-up. Prices charged by car insurance companies can change in a short period of time, so don’t be hesitant to change insurance companies if a cheaper rate is available. Having a favorite company is fine, but is isn’t recommended if that loyalty results in overpaying hundreds of dollars year after year. It only takes a couple minutes to compare prices to find cheaper auto insurance for good students in Plano.

If you prefer to get some professional input when shopping around for cheaper insurance for good students, the agents listed below can probably help you decide which is the best policy.

To find a Plano insurance agent in your neighborhood, click the button at the bottom.

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