Cheapest Car Insurance In Plano, TX 2025
At $37 a month on average, GEICO 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 GEICO the cheapest. Progressive is best for full coverage deals, and State Farm 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 , GEICO is the way to go with a $37 monthly cost.
See how different insurers’ rates compare by reviewing the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $55 | $660 |
| State Farm | $40 | $480 |
| Progressive | $50 | $600 |
| Texas Farm Bureau | $30 | $360 |
| Mercury | $45 | $5540 |
Cheapest Full Coverage Insurance Rates In Plano: Travelers
In Plano, full coverage insurance is cheapest through Progressive, with average rates of $92 a month.
Here’s a table comparing average quotes from affordable auto insurance companies in Plano.
| Provider | Average Monthly Cost | Average Annual Cost |
| National General | $120 | $1,440 |
| State Farm | $80 | $960 |
| AAA Texas | $125 | $1,500 |
| Texas Farm Bureau | $60 | $720 |
| Progressive | $105 | $1,260 |
Cheapest Car Insurance Rates For Seniors: Direct Auto
State Farm is the top choice for seniors in Plano looking for affordable car insurance, averaging $87 per month.
Here’s a table showing typical quotes from low-cost auto insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper Auto Premium | $90 | $1,080 |
| Texas Farm Bureau Group | $80 | $960 |
| State Farm | $100 | $1,200 |
| Direct Auto | $75 | $900 |
| Dairyland | $85 | $1,020 |
Cheapest Rates In Plano For Teenagers: State Farm
State Farm offers budget-friendly car insurance for Plano teens, with average monthly premiums of $313.
The table below outlines the lowest-cost insurance providers for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $210 | $2,520 |
| Texas Farm Bureau Group | $130 | $1,560 |
| Encompass | $390 | $4,680 |
| Direct Auto | $90 | $1,080 |
| USAA | $190 | $2,280 |
Cheapest Auto Insurance For Young Adults in Plano: Liberty Mutual
Young drivers in Plano save the most on car insurance with State Farm, paying about $238 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 |
| SafeAuto | $135 | $1,620 |
| USAA | $165 | $1,980 |
| Direct Auto | $95 | $1,140 |
| State Farm | $140 | $1,680 |
| Texas Farm Bureau Group | $115 | $1,380 |
Cheapest Car Insurance In Plano For Good Drivers: State Farm
The cheapest car insurance quotes for good drivers in Plano come from GEICO, costing roughly $37 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 | $60 | $720 |
| Farmers | $112 | $1,344 |
| Travelers | $64 | $768 |
| Progressive | $129 | $1,548 |
| Allstate | $188 | $2,256 |
Find affordable Plano rates
Cheapest Car Insurance In Plano After A Speeding Ticket: Travelers
In Plano, State Farm charges drivers with a speeding ticket about $176 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 |
| GEICO | $150 | $1,800 |
| State Farm | $80 | $960 |
| Progressive | $145 | $1,740 |
| Texas Farm Bureau | $65 | $780 |
| Allstate | $140 | $1,680 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm stands out with the cheapest car insurance rates—$193 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 |
| Progressive | $185 | $2,100 |
| State Farm | $100 | $1,200 |
| GEICO | $180 | $2,160 |
| AAA Texas | $170 | $2,040 |
| Texas Farm Bureau | $110 | $1,320 |
Cheapest Rates In Plano For Drivers After A DUI: Travelers
State Farm is the most affordable option for drivers in Plano with a DUI, costing about $188 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 |
| State Farm | $148 | $1,776 |
| Texas Farm Bureau | $130 | $1,560 |
| Progressive | $125 | $1,500 |
| AAA Texas | $180 | $2,160 |
| National General | $150 | $1,800 |
Best Car Insurance Companies In Plano
AAA California has the best price for Plano drivers at $83 per month, but Progressive ($90) and GEICO ($93) offer competitive alternatives.
See below for the top 10 car insurance options in Plano, TX, based on their average monthly prices.
| Company | Monthly Premium |
| Beaumont | $164 |
| Irving | $174 |
| Amarillo | $143 |
| Dallas | $178 |
| Arlington | $165 |
| Fort Worth | $164 |
| Austin | $160 |
| Houston | $186 |
| El Paso | $158 |
| Corpus Christi | $165 |
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 $7,599 per year.
Turning 25 often brings a drop in insurance costs—as long as the driver has a safe driving history.
| Age | Average Yearly Rate |
| Teenagers | $4,080 |
| 20s | $2,400 |
| 30s | $1,800 |
| 40s | $1,500 |
| 50s | $1,440 |
| 60s | $1,380 |
| 70s | $1,560 |
Average Cost Of Auto Insurance 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?
| City | Average Monthly Rate |
| Corpus Christi | $163 |
| Houston | $188 |
| Amarillo | $143 |
| El Paso | $158 |
| Arlington | $165 |
| Irving | $172 |
| Fort Worth | $165 |
| Austin | $160 |
| Dallas | $178 |
| Beaumont | $165 |
Average Rates In Plano – By Vehicle
| Vehicle | Average Monthly Rate |
| 2024 Mazda CX-5 | $350 |
| 2021 Dodge Challenger | $653 |
| 2024 Honda Pilot | $94 |
| 2020 Honda Civic | $750 |
| 2023 Hyundai Elantra | $1,118 |
Find affordable Plano rates
Our Methodology
Based on a detailed analysis of customer service ratings, product offerings, pricing, and extensive evaluations from online reviews and user experiences, I've developed a comprehensive overview of car insurance providers in Plano, TX.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Plano?
In Plano, Texas Farm Bureau provides the lowest rates for both the minimum coverage required by Texas state law and for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Plano?
In Plano, the average cost of car insurance is approximately $149 per month. Rates can vary based on factors such as your zip code, the year and model of your car, and your driving history.
