Car insurance in Plano costs an average of $1,274 for a six-month policy ($212/month) for full coverage. The cheapest insurer is Redpoint County Mutual at $618 per six months — 51% below the city average. For minimum coverage, GEICO is the most affordable at just $285 for six months.
- Average 6-month full coverage premium in Plano: $1,274
- Cheapest full coverage insurer: Redpoint County Mutual at $618/6 months
- Plano rates are about 3% higher than the Texas state average of $1,241
- Plano has below-average crime rates — among the safest large cities in Texas
- Best way to save: compare at least 5 quotes and bundle home and auto policies
If you're driving on US-75 or the Dallas North Tollway every day, you already know that Plano is one of the most car-dependent cities in the DFW Metroplex. That means car insurance isn't optional here — it's essential. The good news is that Plano's rates are actually reasonable compared to other big Texas cities, largely because the city has lower crime rates and a well-maintained road network.
But "reasonable" doesn't mean you should just accept the first quote you get. Rates in Plano vary wildly from company to company — we found spreads of over $1,500 per year between the cheapest and most expensive insurers. Read on to find out exactly what you should expect to pay and how to get the best deal.
Plano Car Insurance Rates by Company
Based on 2026 data from The Zebra, here's what major insurers charge for full coverage in Plano:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| Redpoint County Mutual Cheapest | $618 | $103 |
| Texas Farm Bureau | $892 | $149 |
| USAA Military | $895 | $149 |
| State Farm | $920 | $153 |
| GEICO | $973 | $162 |
| Progressive | $1,197 | $200 |
| Allstate | $2,134 | $356 |
USAA consistently offers among the lowest rates in Plano, but it's only available to active military members, veterans, and their immediate families. If you qualify, always get a USAA quote — it could be your best option.
Average Car Insurance Cost in Plano
Plano's average six-month full coverage premium of $1,274 is slightly above the Texas state average of $1,241, but well below what drivers in Dallas or Houston typically pay. For context, the national average for full coverage is about $880 for six months.
| Location | Avg. 6-Month Premium | Avg. Monthly |
|---|---|---|
| Plano, TX | $1,274 | $212 |
| Texas Average | $1,241 | $207 |
| National Average | $880 | $147 |
For minimum liability-only coverage, the numbers look much better. The average for liability-only in Plano is around $999 for six months, with the cheapest option (GEICO) coming in at just $285 for six months — that's $47.50 a month.
Factors Affecting Car Insurance Rates in Plano
Plano's rates are shaped by a mix of local factors, some of which actually work in your favor compared to other Texas cities.
Low Crime Rate Advantage
Plano consistently ranks as one of the safest large cities in Texas. The city's total crime rate is 26% below the national average and 35% below the Texas state average. Fewer vehicle thefts and break-ins mean lower comprehensive coverage claims — which helps keep rates lower than in Dallas or Fort Worth proper.
Plano's property crime rate is 1 in 61 — better than most comparably-sized Texas cities. This lower theft rate contributes to more affordable comprehensive coverage premiums for local drivers.
Traffic Congestion on Key Corridors
Despite the safety advantages, Plano has significant traffic congestion that drives up collision claims. Major corridors like the Dallas North Tollway, US-75 (Central Expressway), and the George Bush Turnpike carry heavy commuter traffic from the northern suburbs into downtown Dallas. In 2023, Plano recorded 17 fatal traffic accidents — a figure that keeps liability and collision rates elevated.
Texas Weather and Hail Storms
North Texas — including Plano — sits in one of the most active hail corridors in the country. Hailstorms can cause thousands of dollars in vehicle damage and lead to surges in comprehensive insurance claims. If you're parking your car outside regularly, comprehensive coverage is highly recommended.
North Texas typically sees its worst hail season between March and June. If you only carry liability coverage, a hail-damaged vehicle won't be covered. Consider adding comprehensive coverage before spring storm season.
Credit Score Matters in Texas
Texas allows insurers to use your credit score when setting rates. Plano drivers with poor credit (300–579) pay about 109% more than those with excellent credit (800–850). If your credit score is below 650, improving it could save you hundreds of dollars per year on car insurance.
Age and Driving Record
Teen drivers in Plano pay dramatically higher premiums — averaging $514 per month versus roughly $167 per month for drivers in their 20s and 30s. A single at-fault accident can increase your rates by 30–50%, while a DUI can double or triple your premium.
How to Get Cheap Car Insurance in Plano
Compare Multiple Quotes
Our data shows rates in Plano vary by over $1,500 per year between insurers. Redpoint County Mutual charges $618 for six months while Allstate charges $2,134 for the same coverage. Always get at least 5 quotes before deciding.
Bundle Home and Auto Insurance
Most major insurers offer 10–20% multi-policy discounts. If you own a home in Plano, bundling with the same insurer is one of the fastest ways to reduce your car insurance premium.
Take Advantage of Safe Driver Discounts
Programs like State Farm's Drive Safe & Save or Progressive's Snapshot can reduce your rates by 10–30% if your driving habits are monitored and prove to be safe.
Raise Your Deductible
Increasing your collision and comprehensive deductible from $500 to $1,000 can lower your premium by 10–15%. Just make sure you can afford to pay the higher amount if you need to file a claim.
Pay Annually Instead of Monthly
Most insurers charge a 3–5% convenience fee for monthly billing. Paying your six-month or annual premium upfront can save $30–$75 per policy period.
Texas Minimum Car Insurance Requirements
Texas requires all drivers to carry minimum liability insurance — often called 30/60/25 coverage. Here's what that means and what we recommend:
| Coverage Type | Texas Minimum | Recommended |
|---|---|---|
| Bodily Injury (per person) | $30,000 | $100,000 |
| Bodily Injury (per accident) | $60,000 | $300,000 |
| Property Damage | $25,000 | $100,000 |
| Personal Injury Protection (PIP) | $2,500 (offered, can opt out) | $10,000+ |
| Uninsured/Underinsured Motorist | Optional (can opt out) | Recommended |
Texas has a significant uninsured driver problem. About 1 in 8 Texas drivers doesn't carry insurance. Uninsured/Underinsured Motorist (UM/UIM) coverage protects you if you're hit by an uninsured driver — and it only adds a small amount to your premium. Don't waive it without careful consideration.
Texas is an at-fault state, meaning the driver who causes an accident is responsible for paying damages. Minimum coverage limits of $30,000/$60,000 may not be enough to cover serious injuries — a single trip to the emergency room can easily exceed $30,000. Most financial advisors recommend at least 100/300/100 coverage for Plano drivers.
Top Insurance Agents in Plano
Working with a local agent can help you find discounts and coverage options you might not discover on comparison sites. Here are some of the top-rated auto insurance agents in Plano:
Frequently Asked Questions
For full coverage, Redpoint County Mutual is the cheapest option in Plano at around $618 for a six-month policy ($103/month). For minimum liability coverage only, GEICO leads at approximately $285 for six months ($47/month). Rates vary based on your driving record, age, and vehicle type, so it's worth comparing quotes from multiple insurers.
The average Plano driver pays about $212 per month for full coverage and around $167 per month for a standard liability policy. However, if you shop around, you can find full coverage starting as low as $103/month with Redpoint County Mutual, or minimum liability for about $47/month with GEICO.
Plano's rates exceed the national average mainly because Texas is an at-fault state with no personal injury protection (PIP) mandate, repair costs are higher in the DFW metro area, and North Texas has significant hail storm risk that drives up comprehensive claims. However, Plano's low crime rate keeps rates lower than many other Texas cities.
Texas requires minimum liability coverage of 30/60/25 — meaning $30,000 per person for bodily injury, $60,000 per accident for bodily injury, and $25,000 for property damage. Texas also requires insurers to offer $2,500 in Personal Injury Protection (PIP) and uninsured motorist coverage, but drivers can opt out of both in writing.
Yes — Plano typically has lower rates than Dallas proper because of lower crime rates and fewer high-density urban traffic claims. If you recently moved from Dallas to Plano, it's worth shopping your coverage again, as your ZIP code change could qualify you for lower premiums.
- The Zebra - Car Insurance in Plano, TX (2026 Data)
- Texas Department of Insurance - Auto Insurance Guide
- Insurance Information Institute - Auto Insurance Facts
- Bankrate - Average Cost of Car Insurance in Texas (2026)
- NeighborhoodScout - Plano, TX Crime Statistics
- City-Data - Fatal Car Crashes in Plano, Texas
Methodology
The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.