Cheapest Car Insurance In Plano, TX 2025
At $40 a month on average, State Farm leads the pack for low-cost minimum car insurance in Plano.
We’ve saved shoppers an average of $600 per year on their car insurance.
The cost of car insurance in Plano, TX can vary a lot, even when you’re looking for the cheapest option.
Liability-only seekers will find State Farm the cheapest. GEICO is best for full coverage deals, and Direct Auto provides the most budget-friendly plans for younger drivers.
Cheapest Car Insurance Companies In Plano, TX 2025
Cheapest Liability-only Car Insurance In Plano: State Farm
If you want the cheapest minimum coverage in Plano , State Farm is the way to go with a $40 monthly cost.
See how different insurers’ rates compare by reviewing the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| Allstate | $58 | $696 |
| Nationwide | $91 | $1,092 |
| Progressive | $104 | $1,248 |
| Chubb | $122 | $1,464 |
Cheapest Full Coverage Insurance Rates In Plano: GEICO
In Plano, full coverage insurance is cheapest through GEICO, with average rates of $84 a month.
Here’s a table comparing average quotes from affordable auto insurance companies in Plano.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $84 | $1,008 |
| Mercury | $169 | $2,028 |
| Allstate | $109 | $1,308 |
| Chubb | $228 | $2,736 |
| Progressive | $180 | $2,160 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
Direct Auto is the top choice for seniors in Plano looking for affordable car insurance, averaging $73 per month.
Here’s a table showing typical quotes from low-cost auto insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $73 | $876 |
| Kemper | $87 | $1,044 |
| State Farm | $97 | $1,164 |
| Texas Farm Bureau Group | $75 | $900 |
| Dairyland | $79 | $948 |
Cheapest Rates In Plano For Teenagers: Direct Auto
Direct Auto offers budget-friendly car insurance for Plano teens, with average monthly premiums of $102.
The table below outlines the lowest-cost insurance providers for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $102 | $1,224 |
| Texas Farm Bureau Group | $138 | $1,656 |
| Encompass | $395 | $4,740 |
| State Farm | $215 | $2,580 |
| USAA | $197 | $2,364 |
Cheapest Auto Insurance For Young Adults in Plano: Direct Auto
Young drivers in Plano save the most on car insurance with Direct Auto, paying about $95 monthly.
Use the table below to look at the cheapest car insurance options for young adults in Plano.
| Provider | Average Monthly Cost | Average Annual Cost |
| Direct Auto | $95 | $1,140 |
| USAA | $171 | $2,052 |
| SafeAuto | $140 | $1,680 |
| State Farm | $144 | $1,728 |
| Texas Farm Bureau Group | $120 | $1,440 |
Cheapest Car Insurance In Plano For Good Drivers: State Farm
The cheapest car insurance quotes for good drivers in Plano come from State Farm, costing roughly $40 a month.
If you drive well, use the table below to see average rates from affordable insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $40 | $480 |
| Allstate | $58 | $696 |
| Nationwide | $91 | $1,092 |
| Progressive | $104 | $1,248 |
| Chubb | $122 | $1,464 |
Find affordable Plano rates
Cheapest Car Insurance In Plano After A Speeding Ticket: Allstate
In Plano, Allstate charges drivers with a speeding ticket about $75 a month, making it one of the cheaper options.
The table below provides average car insurance quotes for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $75 | $900 |
| Nationwide | $109 | $1,308 |
| Progressive | $124 | $1,488 |
| USAA | $87 | $1,044 |
| Safeco | $153 | $1,836 |
Cheapest For Drivers With After At-Fault Accident: Allstate
Allstate stands out with the cheapest car insurance rates—$92 per month—for drivers who’ve caused an accident.
Below are the insurance companies with the lowest average rates for at-fault drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $92 | $1,104 |
| Nationwide | $114 | $1,368 |
| Progressive | $133 | $1,596 |
| USAA | $91 | $1,092 |
| Safeco | $163 | $1,956 |
Cheapest Rates In Plano For Drivers After A DUI: Allstate
Allstate is the most affordable option for drivers in Plano with a DUI, costing about $78 each month.
The cheapest insurance rates for Plano drivers with a DUI are shown in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $78 | $936 |
| Nationwide | $124 | $1,488 |
| Progressive | $139 | $1,668 |
| USAA | $98 | $1,176 |
| Safeco | $172 | $2,064 |
Best Car Insurance Companies In Plano
State Farm has the best price for Plano drivers at $40 per month, but Allstate ($58) and USAA ($73) offer competitive alternatives.
See below for the top 10 car insurance options in Plano, TX, based on their average monthly prices.
| Company | Monthly Premium |
| State Farm | $40 |
| Allstate | $58 |
| Nationwide | $91 |
| Progressive | $104 |
| Chubb | $122 |
| Mercury | $95 |
| Dairyland | $116 |
| Direct Auto | $135 |
| USAA | $73 |
| National General | $135 |
Average Rates In Plano – By Age
Age is an important factor in determining car insurance premiums. Teen drivers, who are considered high-risk, pay an average of $4,106 per year.
Turning 25 often brings a drop in insurance costs—as long as the driver has a safe driving history.
Because age is tied to driving experience and risk, those in their 50s and early 60s often pay less for car insurance.
| Age | Average Yearly Rate |
| Teenagers | $4,106 |
| 20s | $2,495 |
| 30s | $1,865 |
| 40s | $1,546 |
| 50s | $1,422 |
| 60s | $1,450 |
| 70s | $1,469 |
Average Cost Of Auto Insurance In Plano – By Zip Code
Car insurance rates vary by zip code since insurers use those codes to assess the risk of crime nearby.
Use the table below to view typical insurance rates in Plano by zip code.
| City | Average Monthly Rate |
| 75024 | $153 |
| 75023 | $150 |
| 75075 | $150 |
| 75093 | $165 |
| 75074 | $135 |
How Much Is Car Insurance In Other Cities in Texas?
Where you live impacts your car insurance because insurers assess local accident, theft, and vandalism rates, which are usually higher in cities and lead to costlier premiums.
If you live in Houston, expect to pay around $198 per month for car insurance; Amarillo rates average $145 per month.
| City | Average Monthly Rate |
| Amarillo | $145 |
| Irving | $179 |
| Arlington | $176 |
| Houston | $198 |
| Austin | $162 |
| Fort Worth | $155 |
| Beaumont | $170 |
| El Paso | $173 |
| Corpus Christi | $167 |
| Dallas | $183 |
Average Rates In Plano – By Vehicle
Insurance companies consider your car’s details—like the make, model, and year—when setting your premium. Vehicles with higher values or complex features usually bring higher rates.
Find average Plano insurance rates for different cars in the table below.
| Vehicle | Average Monthly Rate |
| Mazda CX-5 | $350 |
| Dodge Challenger | $653 |
| Honda Pilot | $94 |
| Honda Civic | $750 |
| Hyundai Elantra | $1,118 |
Find affordable Plano rates
Our Methodology
I put together a detailed analysis of car insurance companies in Plano, TX, considering customer service, product offerings, prices, and extensive online reviews.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Plano?
For minimum coverage, State Farm is the most cost-effective option in Plano, and GEICO offers the lowest prices for full coverage with comprehensive and collision.
What is the average cost of car insurance in Plano?
The typical cost of car insurance in Plano is about $150 each month, but this can change depending on where you live, your car’s model, and how you drive.
