The average cost of car insurance nationwide is around $114 a month—$62 a month for minimum liability coverage and $150 a month for full coverage.

Overall, the cost of car insurance in Plano is about 3.3% cheaper than the Texas average, and a surprising 20% cheaper than the average cost of car insurance nationwide.

Minimum insurance costs less upfront, but it leaves you financially vulnerable

Looking at the numbers, it might seem like the best way to save money is to go with a liability-only policy that just meets the state’s minimum requirements.

But while minimum liability insurance will get you the lowest premium in the short term, it may not be enough to protect you against a lawsuit if you cause a serious accident. And a liability-only policy won’t cover any damage to your own vehicle.

In Texas, drivers are required to carry at least the following
minimum liability coverage
:
$30,000 of bodily injury liability per person
$60,000 of bodily injury liability per accident
$25,000 of property damage liability per accident
Insurers are also required to offer uninsured/underinsured motorist coverage (UM/UIM) and personal injury protection (PIP) as part of your policy. You’re not required to purchase them, but these can be valuable protections that are usually worth the cost.

To better protect yourself, most insurance experts recommend raising your liability limits to $100,000 per person and $300,000 per accident of bodily injury liability and $100,000 per accident of property damage liability.

Most Plano drivers will also benefit from adding full coverage to their car insurance policy. Full coverage consists of the following types of insurance:

Collision coverage: Pays to repair or replace your vehicle after a collision with another car or object

Comprehensive coverage: Covers your vehicle against theft, vandalism, severe weather, natural disasters, or collisions with animals

Why is car insurance so cheap in Plano?

Car insurance coverage in Plano, TX may be a little lower than the state average for a few reasons:

Relatively low risk of flooding: Residents in Plano face about a 1% chance of serious flooding each year. 1 Widespread flooding can lead to a substantial number of claims being paid out by auto insurance companies, so a lower risk may mean lower rates.

Few traffic fatalities: There were only 7 fatal car accidents in Plano in 2021, and 11 in 2022.2 While any traffic fatalities are too many, they’re relatively infrequent in Plano, which may contribute to lower car insurance costs.

Suburban roads: While thoroughfares like Plano Parkway get pretty busy at rush hour, traffic congestion in Plano isn’t terrible, and the city has ongoing infrastructure projects to help keep the roads running smoothly.3 Plano also benefits from the Dallas Area Rapid Transit (DART) system, which provides high-speed public transit throughout the great Dallas-Fort Worth Metroplex.

That said, it’s important to note that both traffic collisions and auto thefts rose from 2021 to 2022, which could contribute to increasing car insurance costs in the future.4

The best car insurance companies in Plano

Jerry surveyed over 18,000 customers to find out what drivers think about their insurance companies. Here are a few real reviews from Plano drivers:

Kemper

: “This company is the absolute best company. Very easy to work with.” —Haley, Plano, TX

Nationwide

: “I have been with Nationwide for 2 years now and I haven’t had any problems and Great rates!” —Shehroz, Plano, TX

Progressive

: “I have had no issues in any dealings with Progressive. Any time I have a question, they answer it precisely and quickly.” —James, Plano, TX

Get cheap car insurance quotes in Plano, TX

Even though the average car insurance rates in Plano are a little lower than the Texas state average, the only way to be sure that you’re getting the cheapest car insurance for your driving profile is to comparison shop for quotes with several different insurance companies.

The easiest way to compare quotes is to work with a broker like

Jerry

. Here’s how to get started:

Enter your information in the Jerry app. Download the app, then start building your profile with basic information about yourself, your vehicle, and your driving record. It only takes about one minute to sign up, and you’ll be able to request free quotes right away.

Compare coverage levels and prices. In about two minutes, you’ll get a list of quotes from car insurance providers in the Plano area. Browse through the coverage options and choose the policy that best fits your insurance needs and budget.

Look at company ratings. Make sure you choose a car insurance company that’s a good fit for you. Click on any company’s logo to read verified reviews from real Jerry users.

Request a final price. Once you find a policy you want to purchase, click “Confirm my rate” to get your final price. It can take between one and three hours for the insurance company to verify all of your information and finalize your rate.

Make your first payment to activate coverage. When your final price is sent to you, enter your payment information on the purchase screen. As soon as it’s processed, your insurance policy will be active, and you’ll be able to access your digital proof of insurance in the app right away.

When you shop for quotes with the Jerry app, you can choose from four tiers of coverage ranging from minimum liability to high-liability with full coverage and a full suite of optional coverages, including roadside assistance and rental reimbursement.

Keep in mind: Your car insurance rates are highly individualized. You may see higher rates if you live in a high-risk ZIP code, have a low credit score, drive an expensive vehicle, or have accidents or violations on your driving record.

How to save on car insurance in Plano

Use these tips to help keep your Plano car insurance costs low:

Bundle multiple insurance products. If you

combine your auto insurance policy

with your homeowners insurance, renters insurance, or life insurance, you may be able to save on each one.

Ask about discounts. Check with your insurance agent to make sure you’re getting all of the

car insurance discounts

that you’re eligible for. You may be able to save for being a good student, safe driver, loyal insurance customer, or member of the military, for instance.

Raise your deductible: The most common deductible is $500, but you can lower your premium by raising your

deductible

to $1,000. Just be sure you would be able to pay this amount on short notice if you had to file a physical damage claim.

Improve your driving: Keep your insurance costs low by avoiding accidents and traffic violations. For an easy way to learn more about your habits behind the wheel, use the Jerry app to get a

free driving score

and personalized tips to improve your driving!

Shop for new rates before each renewal: If you buy a policy with Jerry, you can turn on the reshopping feature to be automatically notified before renewal if another car insurance provider can offer you a lower rate.

FAQs

How much is car insurance in Plano, TX?

The average cost of car insurance in Plano, TX is around $94 a month—about $50 a month for minimum liability coverage and around $124 a month for full coverage.

What is the average cost of car insurance per month in Texas?

The average cost of car insurance in Texas is around $97 a month—$53 a month for minimum liability coverage and $131 a month for full coverage.

Who has the cheapest car insurance in Texas?

Because insurance rates are highly personalized, there’s not one single provider that will offer the lowest rates to all customers.

Who is the best car insurance company?

Texas drivers give high ratings to car insurance providers like Progressive, GEICO, State Farm, Allstate, and Kemper.

Where can I buy GMC car insurance in Plano, TX?

Most insurance companies will insure any popular make and model of vehicles—you don’t need a specific insurer to buy coverage for a GMC. Just remember to compare rates to make sure you’re getting the best price.

How can I save on my car insurance in Plano?

The best way to save is to compare rates from several auto insurance companies before you buy a policy. You can also save by bundling your home insurance with your car insurance, raising your deductible, and qualifying for discounts.

Why is my car insurance high in Plano?

Your car insurance may be high in Plano if you drive an expensive car, have high levels of coverage, or are under the age of 25, or if your driving history shows at-fault accidents or serious violations like multiple speeding tickets or DUIs.

Methodology

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states.

Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle at time of writing (December 14, 2023).

Minimum coverage refers to policies with the following coverage limits:

$30,000 bodily injury liability per person

$60,000 bodily injury liability per accident

$25,000 property damage liability per accident

Full coverage refers to policies that contain at least the minimum liability required by law in Texas, along with comprehensive and collision insurance with deductibles of either $500 or $1,000.

Screenshots in this article were based on the following profile:

35 year old, male, unmarried

Homeowner

Single car

Good credit (660-750)

Currently insured

No violations or claims in last 5 years

Meet our experts

R.E. Fulton

Licensed Insurance Agent —Senior Content Writer

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.

As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Licensed Insurance Agent

Licensed in 50 states and Washington DC

Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Josh Damico

Head Of Insurance Operations

18+ Years Experience in Insurance

Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.