How Much are Plano Car Insurance Quotes for a 20 Year Old Male?

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The make and model of vehicle needing coverage is one of the primary factors that determines if you can find economical car insurance for 20 year old guys. Vehicles with lots of horsepower, poor crash test ratings, or an increased likelihood of liability claims will cost more to insure than safer, lower-performance models.

The next table showcases auto insurance prices for the cheaper automobiles to buy insurance for.

Cheapest Vehicles to Insure in Plano, TX
Vehicle Make and Model Estimated Cost for Full Coverage
Honda Accord LX 4-Dr Sedan $2,384
Honda CR-V EX 2WD $2,394
Ford Escape XLT 4WD $2,418
Toyota Prius $2,632
Chevrolet Impala LS $2,795
Chevrolet Equinox LT 2WD $2,829
Toyota RAV4 Limited 4WD $2,839
Jeep Grand Cherokee Laredo 4WD $2,829
Dodge Grand Caravan Hero $2,834
Toyota Tacoma Double Cab 4WD $2,829
Chevrolet Malibu LS $2,839
Volkswagen Jetta LE 4-Dr Sedan $2,829
Jeep Wrangler Unlimited Sahara 2WD 4-Dr $2,864
Ford F-150 Lariat Crew Cab 4WD $2,866
Ford Explorer Eddie Bauer 4WD $2,871
Honda Civic LX 4-Dr Sedan $2,972
Ford Focus SES 4-Dr Sedan $2,979
Honda Odyssey EX-L $3,006
Toyota Camry SE $3,011
Hyundai Elantra GLS 4-Dr Sedan $3,006
Ford Edge Sport AWD $3,014
Nissan Rogue SL 2WD $3,030
Toyota Corolla XRS $3,043
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Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in garaging location in Plano, TX which can raise or lower prices substantially.

Based upon the rates shown, we can conclude that models like the Honda Accord, Honda CR-V, Ford Escape, and Toyota Prius are most likely to be some of the most economical vehicles to insure for young men. Auto insurance rates will tend to be more expensive anyway just due to the fact that there is more liability exposure for 20 year old guys, but overall those models will most likely have the lowest insurance prices that you are likely to find.

For young men, one of the largest factors that determine insurance cost is where you keep your car in Plano. Areas with more people or higher crime rates are more likely to have higher rates, whereas areas that tend to be more rural can boast about having cheaper rates.

The next table shows the highest-priced places in Texas for 20 year old guys to buy car insurance in. Plano ranks #18 with an annual rate of $1,624 on average, which is approximately $135 monthly.

How much is auto insurance in Plano, TX?
Rank City Annual Rate
1 McAllen $1,956
2 Brownsville $1,927
3 Houston $1,853
4 Laredo $1,851
5 Dallas $1,837
6 Pasadena $1,812
7 Amarillo $1,786
8 Garland $1,778
9 Grand Prairie $1,757
10 Beaumont $1,754
11 Mesquite $1,753
12 Irving $1,736
13 San Antonio $1,688
14 Lubbock $1,665
15 Carrollton $1,664
16 Arlington $1,642
17 McKinney $1,625
18 Plano $1,624
19 Austin $1,610
20 Fort Worth $1,604
21 Corpus Christi $1,588
22 El Paso $1,568
23 Abilene $1,545
24 Waco $1,537
25 Killeen $1,473
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Annual rates are approximated as specific Plano zip code can modify price quotes considerably.

Finding the highest-rated auto insurance provider can be challenging considering how many companies sell coverage in Plano. The company information in the lists below can help you select which insurers to look at purchasing from. The rankings below are for insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for this list.

Top 10 Large Auto Insurers in Plano Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Large Auto Insurers in Plano Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Discounts on Plano insurance rates

Save on insurance for young men in PlanoInsurers that offer cheap quotes for 20 year old guys may additionally offer policy discounts that could potentially reduce rates by 25% or more if you are eligible. Larger insurance companies and some of the premium reductions they offer are included below.

The illustration below illustrates the comparison of insurance premiums with and without discounts applied to the policy premium. The premiums are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second shows the rates with continuous coverage, paid-in-full, good student, passive restraint, paperless filing, and vehicle safety discounts applied. When these discounts are applied to the policy premium, theaverage yearly reduction on insurance for 20 year old guys is 19% or $410.

How to find economical car insurance for 20 year old guys

Lowering your rates is not difficult, and here are a few penny-pinching solutions that can help you quote cheap car insurance.

The last tip is notably vital, as we stressed in this article. Auto insurance prices can change considerably in a year, so you should be ready to switch carriers if a lower-cost policy is available. Brand loyalty is great, but we do not recommend it if that inflexibility results in costing you a fortune every year. Now is a great time to compare prices to find cheaper auto insurance for 20 year old guys in Plano.