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Cheapest car insurance in Plainview, Texas (Nov 2024)
Cheapest car insurance in Plainview, Texas (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Plainview, Texas.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- How to find the cheapest car insurance quotes in Plainview, Texas
- Best car insurance companies in Plainview
- Best cheap car insurance quotes in Plainview
- Average cost of car insurance in Plainview
- Car insurance quotes in Plainview by rating factors
- How do different factors impact your car insurance costs in Plainview?
- Cheap car insurance quotes in Plainview after driving violations
- Cheap car insurance quotes in Plainview by age
- Cheap car insurance quotes in Plainview based on insurance history
- Cheap car insurance quotes in Plainview for drivers with poor credit
- Cheap car insurance quotes in Plainview for popular cars
- How to lower car insurance costs in Plainview
- FAQ
- Methodology
- Sources
- Meet our experts
Load full table of contents
Plainview Car Insurance: Quick Facts
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 company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $356 | Travis, 20 Zip: 79072 | Ford Mustang | • State Minimum Liability • Comp / Collision |
| National General | $143 | Nathan, 41 Zip: 79072 | Ford Edge SEL | • 50,000/100,000 Liability |
Clearcover | $187 | Josie, 49 Zip: 79072 | KIA Stinger GT2 | • 50,000/100,000 Liability • Comp / Collision |
| Mercury | $172 | Janie, 40 Zip: 79072 | Toyota Corolla ECO | • State Minimum Liability • Comp / Collision |
Last Updated Nov 18, 2024Best 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:
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 company | Overall rating | Price | Claims experience | Customer 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 |
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.
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.
Gainsco
Carl (25 years old)
$150
per month
Bluefire
Jayden (39 years old)
$63
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.
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 coveragecovers the cost of repairing or replacing your car after an accident. In contrast
- Comprehensive coveragepays 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 coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $356 | Travis, 20 Zip: 79072 | Ford Mustang |
• State Minimum Liability • Comp / Collision | State Auto | $244 | Caleb, 40 Zip: 79072 | Toyota Corolla ECO |
• State Minimum Liability • Comp / Collision | Bristol West | $176 | Addie, 37 Zip: 79072 | Chevrolet Equinox RS |
• 30,000/30,000 Liability • Comp / Collision | Dairyland | $441 | Willie, 24 Zip: 79072 | Dodge Challenger R/T Scat Pack |
Last Updated Nov 18, 2024The 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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Car insurance quotes in Plainview by rating factors
- 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?
How do different factors impact your car insurance costs in Plainview?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
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.
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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $371 | Christopher, 21 Zip: 79072 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
Not At Fault | Clearcover | $187 | Rachel, 48 Zip: 79072 | KIA Stinger GT2 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Mercury | $368 | Harriett, 21 Zip: 79072 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
Last Updated Nov 20, 2024Cheapest 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.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Defective Equipment | Progressive | $75 | Glenn, 44 Zip: 79072 | Jeep Wrangler Unlimited Sport | • State Minimum Liability |
Failure to Obey Signal | Mercury | $368 | Jack, 21 Zip: 79072 | Chevrolet Cruze LT | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Progressive | $75 | Dora, 44 Zip: 79072 | Jeep Wrangler Unlimited Sport | • State Minimum Liability |
Last Updated Nov 21, 2024Cheap 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.
Travis (20 years old)
$356
per month
Electric
Eugenia (22 years old)
$474
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:
Dale (65 years old)
CoverageState Minimum
Plainview, TX (Zip Code: 79072)
Mitsubishi Eclipse Cross ES$110
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Switching to National General was SO easy and it saved me over $100/month!
Courtney
Got a decent rate for my Tesla Model S from Travelers.
Kishore
Grateful for this app and helping me save money!
Aaron
They were affordable and great very personable and reasonable.
Audrey
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:
Charlie (39 years old)
$74
per month
Gainsco
Norman (25 years old)
$150
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 range | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
550 - 659 | Progressive | $74 | Ora, 39 Zip: 79072 | Nissan Murano S | • State Minimum Liability |
< 550 | Bristol West | $94 | Marcus, 32 Zip: 79072 | Ford Mustang | • State Minimum Liability |
Last Updated Nov 21, 2024Cheap car insurance quotes in Plainview for popular cars
The
cheapest cars to insure
help minimize the two things insurance providers hate most: cost and risk. They have cheap price tags, repair costs, and parts costs, and they’re safe and hard to steal.Texans overwhelmingly prefer pickup trucks, which fit several of these criteria. The five most popular models are:
| Popular car | Insurance company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Honda Civic EX | National General | $216 | Minerva, 23 Zip: 79072 | • State Minimum Liability • Comp / Collision |
| Toyota Corolla ECO | Mercury | $172 | Ellen, 39 Zip: 79072 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024How 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.
- Bundling discounts.Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
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.
Sources
Meet our experts
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.
Amy Bobinger
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.
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.