Services
Insurance
Loans
Repairs
Advice
About

Cheapest car insurance in Plainview, Texas (Jul 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Plainview, Texas.
background
Find Insurance Savings
√
No long forms
√
No spam or unwanted calls
√
Quotes from top insurance companies
background
avatar
Jasmine Kanter
Expert Insurance Writer
icon
Reviewed by Josh Damico, Vice President Insurance Operations
icon
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
Plainview Car Insurance: Quick Facts
  • Plainview drivers pay an average of $69 per month for minimum coverage
  • Plainview drivers pay an average of $207 per month for full coverage
  • The average car insurance rates for Plainview are higher than the national average
  • Texas minimum car insurance requirements include 30/60/25 of liability coverage

How to find the cheapest car insurance quotes in Plainview, Texas

The town of Plainview,
Texas
, was named for the unadorned character of its surrounding landscape. But despite its straightforward roads and small size, residents still pay more for
car insurance
than the national average. 
The reason lies in the area’s high accident rate, motor vehicle theft rate, and frequency of natural disasters. To counter these factors, Plainview drivers need to compare as many auto insurance quotes as possible.
Jerry
makes it possible to gather quotes from 55+ providers quickly and easily so you can choose the best option available.
Insurance companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$74
Nora, 39
Zip: 79072
Nissan Murano S
• State Minimum Liability
Gainsco
$150
Isaac, 25
Zip: 79072
Buick Lacrosse Preferred
• State Minimum Liability
Bristol West
$179
Kyle, 38
Zip: 79072
Chevrolet Impala LT
• State Minimum Liability
• Comp / Collision
State Auto
$244
Blake, 39
Zip: 79072
Toyota Corolla ECO
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 13, 2024

Best car insurance companies in Plainview

The best auto insurance company in Plainview depends on whether you value affordability, ease of filing claims, or customer service. In Jerry's nationwide shopping survey, Texas drivers voted Anchor General,
Travelers
, and
Commonwealth
the winner of each respective category.
As for popularity, these car insurance providers took the top five slots:
  1. State Farm
  2. Berkshire Hathaway
  3. USAA
To pick the right provider, consider how much you prioritize auto insurance policy costs, ease of purchase, ease of filing claims, and customer service. Then it’s time to do some research.
Here’s a breakdown of Plainview car insurance provider scores based on real customer reviews. Check out each insurer's strengths and weaknesses in detail by clicking on its name.
Insurance companyOverall ratingPriceClaims experienceCustomer service
Progressive
4.4
4
3.8
4.3
USAA
4.2
3.3
4.4
4.3
State Farm
3.9
3.4
3.7
4
Geico
3.9
3.1
4.2
4.1
Liberty Mutual
3.3
2.6
N/A
3.2
Highlighticon

How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Best cheap car insurance quotes in Plainview

Texas has a minimum liability insurance requirement, which represents the minimal amount of car insurance you must have in Plainview—and offers you the cheapest rate.
But minimum liability isn’t always enough. You should consider getting full coverage to cover the repair or replacement costs for your car.  

Cheap minimum liability insurance quotes in Plainview

To hit the road legally, Plainview drivers need to meet Texas minimum coverage limits for bodily injury liability and property damage liability:
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 for property damage
These coverages are commonly known as 30/60/25 insurance. With this basic liability coverage, you’ll be protected up to the policy’s limits if you cause injuries or property damage while driving. 
Jerry has helped Plainview drivers find affordable minimum liability coverage with no hassles.
card cover
Nora (39 years old)
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
carNissan Murano S
$74
per month
card cover
Kyle (38 years old)
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
$179
per month
card cover
Clearcover
Harry (55 years old)
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
$92
per month
card cover
Nicholas (32 years old)
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
$99
per month
card cover
Derek (25 years old)
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
carBuick Lacrosse Preferred
$129
per month

Do you need more than minimum coverage in Plainview?

Medical expenses and repair costs are on the rise1, meaning an at-fault accident that results in total loss or serious injury could destabilize your finances. Moreover, Texas has a high number of car crash fatalities.2 Expert insurance agents recommend doubling or tripling your liability insurance coverage limits to be safe.
As for extra insurance coverage options, comprehensive coverage is the best protection against Texas’ high rate of motor vehicle theft.3 Comprehensive insurance will repair or replace your car if it’s stolen, vandalized, or damaged by bad weather.
Raise the limits on your Texas car insurance policy and add comprehensive coverage to protect your finances from a serious car accident or weather- or crime-related damages.

Cheap full coverage car insurance quotes in Plainview

Full coverage car insurance
is the number-one way to protect yourself from costs associated with repairing or replacing your vehicle. 
Full coverage includes comprehensive and collision coverage:
  • Collision coverage
    covers the cost of repairing or replacing your car after an accident. In contrast
  • Comprehensive coverage
    pays out if your vehicle is stolen or damaged by something other than a crash, such as vandalism, theft, or natural disasters. 
If you have a loan on the car, your bank will require both collision and comprehensive coverage until the loan is paid.  
On top of a full-coverage policy, you can choose to purchase
uninsured motorist coverage
to guard against uncovered injuries or damage in an accident caused by a driver without car insurance. 
Jerry has helped drivers in Plainview and beyond find full coverage quotes that won’t break the bank.
Insurance coverageInsurance companyPremium (monthly)CustomerCar
• State Minimum Liability
• Comp / Collision
Progressive
$147
Emily, 38
Zip: 79072
Chevrolet Impala LT
• 50,000/100,000 Liability
• Comp / Collision
Allstate
$169
Antonio, 26
Zip: 79072
Chevrolet Corvette Grand Sport
• State Minimum Liability
• Comp / Collision
Mercury
$172
Mittie, 39
Zip: 79072
Toyota Corolla ECO
• 30,000/30,000 Liability
• Comp / Collision
Dairyland
$441
Devin, 23
Zip: 79072
Dodge Challenger R/T Scat Pack
• 50,000/100,000 Liability
• Comp / Collision
Kemper
$174
Mae, 25
Zip: 79072
Ford Fiesta SE
coverageLast Updated Jul 14, 2024
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry,
a top insurance agency
, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.

Average cost of car insurance in Plainview

In Plainview, the average minimum-liability car insurance policy costs $69 per month and $829 per year. For full coverage auto insurance, the average is $207 per month and $2,492 per year.
The average cost of car insurance in Plainview is comparable to the state average, but much higher than the national average:
Coverage type
Plainview
Texas
United States
Minimum coverage
$829
$1,021
$740
Full coverage
$2,492
$2,374
$1,790
But knowing the average cost of car insurance in Plainview won’t tell you much about what you’ll actually pay for your car insurance. For that, you need to request a personalized auto insurance quote—and to find the best price, you should get at least three. Jerry provides free quotes from 55+ companies in less than a minute, making comparison easy.

Why is car insurance so expensive in Plainview?

Some of the reasons that auto insurance coverage is so expensive in Plainview are related to the town, and others to the state. Here’s a quick overview of the factors pushing insurance costs up:
  • Accident fatality rates: The state of Texas has an above-average rate of car accident fatalities per 100,000 people.4 
  • Motor vehicle theft: Stolen cars are expensive to replace, leading to more expensive auto insurance premiums.
  • Natural disasters: Plainview has 91% more tornadoes and 485% more earthquakes in its history than the rest of the US.5
  • Young population: Plainview’s population has a young median age, meaning there are more accident-prone young drivers on its streets.6
Some of these costs are mitigated by the town’s small size and preference for low-cost vehicles—and if you have a clean driving record, you’ll get even lower auto insurance rates. Jerry grabs the best rates in your area in less than a minute, making it easy to play around with different coverage levels and discounts until you find something that suits your budget.
Lower my car insurance too!

Car insurance quotes in Plainview by rating factors 

Insurance companies in Plainview use many rating factors when
deciding your auto insurance premium
:  
  • Your driving record and claims history: Drivers with a track record of accidents or violations generally face higher premiums than those with a clean record.
  • Your demographics: Your age, gender, and marital status can all influence the cost of your insurance rates.
  • Your location: City dwellers often encounter higher premiums compared to rural residents due to factors like increased crime rates and higher population density. 
  • Your mileage: High annual mileage can result in higher insurance costs.
  • The make/model of your car: Luxury, sport, and high-performance vehicles typically cost more to insure since replacement parts are more expensive.
  • Your credit score: Good credit scores are generally associated with lower insurance rates, even for identical coverage.

How do different factors impact your car insurance costs in Plainview?

icon
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
icon
Prohibited (or effectively prohibited): Texas currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Plainview:

Cheap car insurance quotes in Plainview after driving violations

Your
Texas driving record
influences your auto insurance quotes. If insurance providers see a history of violations, they may label you a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
  • Speeding
  • DUIs
  • At fault accident 
  • Reckless driving 
  • Driving on a suspended license

Cheapest car insurance in Plainview after DUI

A
DUI
in Plainview is a serious violation and it will trigger extremely high rates for car insurance and label you as a
high-risk driver
. Some companies may even refuse you coverage. To find a good rate for car insurance after a DUI, it’s important to
shop around and compare rates
Jerry has assisted many Plainview drivers with finding affordable rates after a DUI.
card cover
Kenneth (35 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPlainview, TX
(Zip Code: 79072)
$66
per month
card cover
Ian (37 years old)
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79073)
$66
per month

Cheapest car insurance in Plainview after an at-fault accident

One of the most critical factors affecting car insurance rates is your car accident or claim history. Texas is an at-fault state, and an at-fault accident in your recent past could mean significantly higher insurance rates.
Accident typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With No Injury
Progressive
$371
May, 21
Zip: 79072
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
Not At Fault
Clearcover
$187
Nelle, 48
Zip: 79072
KIA Stinger GT2
• 50,000/100,000 Liability
• Comp / Collision
At Fault With No Injury
Mercury
$368
Chester, 21
Zip: 79072
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
coverageLast Updated Jul 10, 2024

Cheapest car insurance in Plainview after other driving violations

Speeding tickets, DUIs,
reckless driving
, and
suspended licenses
on your driving record can all lead to rate hikes from any car insurance provider in Plainview.
Here’s a list of different driving violations and how we’ve helped drivers save on their car insurance expenses after these infractions.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Defective Equipment
Progressive
$75
Jesse, 44
Zip: 79072
Jeep Wrangler Unlimited Sport
• State Minimum Liability
Failure to Obey Signal
Mercury
$368
Elmer, 21
Zip: 79072
Chevrolet Cruze LT
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Progressive
$75
Derrick, 44
Zip: 79072
Jeep Wrangler Unlimited Sport
• State Minimum Liability
coverageLast Updated Jul 13, 2024

Cheap car insurance quotes in Plainview by age

Young people and seniors generally face the highest insurance rates. 
Due to their restricted driving backgrounds, young drivers typically pay more for insurance. Drivers may experience lower rates once they turn 25, but those rates won’t last forever. Seniors also see an increase in their insurance rates once they hit their mid 70s.

Cheapest car insurance in Plainview for young drivers

Teen drivers
aged 16 to 19 pay the highest insurance rates out of any age group in Plainview. Full coverage can provide better financial protection for teen car owners that drive newer cars, as teens tend to get into more accidents. 
Staying on a parent’s policy is the best way to keep rates low. Using Jerry to find a policy is also a great option! Take a look at these real quotes teen drivers in Texas found with the Jerry app.
card cover
Hester (23 years old)
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
$216
per month
card cover
Oscar (21 years old)
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
carChevrolet Cruze LT
$368
per month

Cheapest car insurance in Plainview for senior drivers

Car insurance rates for seniors
tend to be higher due to several reasons. The main one is that older drivers are more likely to be involved in accidents and more prone to severe injuries in the event of a collision. This translates to significant medical expenses and increased costs for insurance providers.
But with Jerry, senior drivers can continue to save on car insurance. Here's what real senior motorists in Texas were quoted using the Jerry app:
card cover
Fannie (74 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationPlainview, TX
(Zip Code: 79073)
$54
per month
card cover
Terry (68 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPlainview, TX
(Zip Code: 79072)
$58
per month

Cheap car insurance quotes in Plainview based on insurance history

Like your driving record and claims history, your insurance history is a significant rating factor in the eyes of insurance companies. Specifically, insurers will consider how long you have been insured and whether you’ve experienced any
lapses in coverage
Drivers who have had recent or past lapses in coverage may face higher auto insurance rates. The good news is, Jerry can help customers find savings on car insurance coverage regardless of their insured status:
card cover
Clifford (39 years old)
Currently Insured
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
carNissan Murano S
$74
per month
card cover
Margaret (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPlainview, TX
(Zip Code: 79072)
$169
per month
card cover
Lucille (26 years old)
Currently Insured
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationPlainview, TX
(Zip Code: 79072)
$122
per month
card cover
Gainsco
Elijah (25 years old)
Not Currently Insured
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
carBuick Lacrosse Preferred
$150
per month
card cover
Vernon (39 years old)
Currently Insured
coverageCoverage
State Minimum
locationPlainview, TX
(Zip Code: 79072)
carToyota Corolla ECO
$172
per month

Cheap car insurance quotes in Plainview for drivers with poor credit

Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
Take a look at how your rates could change with a lower credit score, and the premiums you could find using Jerry:
Credit rangeInsurance companyPremium (monthly)CustomerCarInsurance coverage
550 - 659
Progressive
$74
Theresa, 39
Zip: 79072
Nissan Murano S
• State Minimum Liability
< 550
Bristol West
$94
Jason, 32
Zip: 79072
Ford Mustang
• State Minimum Liability
coverageLast Updated Jul 15, 2024

How to lower car insurance costs in Plainview

1. Shop around and compare quotes

Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months. 
Jerry makes this tedious process simple! In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price. Better yet—Jerry provides this service for free! 

2. Hunt for car insurance discounts

Every insurance company offers
a set of discounts
, but the exact discount offered varies by company. Some common discounts include: 
  • Good driver discounts. Many insurance providers offer discounts for drivers with clean driving records and/or those who avoid filing claims
  • Telematics discounts. Many companies offer easy-to-win discounts to drivers who use telematics to track their driving habits. You might even get a discount just for signing up!
  • Good student discounts. Are you a full-time student in either high school or college? Do you have a B average or better? You probably qualify for a discount from your insurance company.

3. Increase your deductible for comprehensive and collision coverage

If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.

FAQ

What is the cheapest car insurance in Plainview?

Based on thousands of Plainview drivers Jerry has worked with, car insurance in Plainview costs an average of $69 per month for state-minimum coverage and $207 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes, you can find the cheapest insurance company for you. Jerry takes the hard work and the waiting out of insurance shopping – generating you quotes with the best coverage and best prices in seconds, 100% free. Try Jerry Today!

What is the minimum car insurance in Plainview, Texas?

The state-minimum car insurance in Plainview, Texas is $30,000 in bodily injury liability per person, $60,000 per accident, and $25,000 for damage to property. These coverages are commonly referred to as 30/60/25 coverage.

What is the best car insurance in Plainview?

Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Amica and Direct Auto receive good ratings from Plainview drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.

How much is car insurance in Plainview?

People living in Plainview pay on average $69 per month – or $829 per year – on state-minimum liability coverage. Full coverage in Plainview costs on average $207 per month or $2,492 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. 
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). 
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.  
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
avatar
Amy Bobinger
badge icon
Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
avatar
Josh Damico
badge icon
Head Of Insurance Operations
badge icon
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.