Car Insurance in Plano, Texas
Estimated full coverage in Plano runs about $2,065 a year ($172/month) — ▲ +9% versus the Texas average, ranking 15th most expensive of the 57 Texas cities we cover.
Why car insurance in Plano costs more than the Texas average
Insurers price by territory, and Plano's numbers explain most of the gap. With 293,286 residents on 71.7 square miles, the city's density (4,091 people per square mile) is 6.1 times the density where the typical Texas resident lives (670). The average commute is 25.4 minutes (Texas: 26.7), and 62% of workers drive alone. Together these put our location factor at 1.09× the state baseline for liability and collision.
| Factor | Plano | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 4,091 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 25.4 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.3% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 61.5% | — | Share of workers commuting by car. |
| Public transit to work | 0.7% | — | Transit use lowers how much residents drive. |
| Work from home | 27.5% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 3.7% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 88.8 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Plano
Rates can change from one ZIP code to the next. Across 6 Plano ZIP codes, our full-coverage estimate ranges from $2,010 in 75024 to $2,130 in 75023. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 75074 | 53,831 | 3,369 | 26.9 min | 3.9% | $2,070 | 0% |
| 75025 | 53,202 | 5,569 | 25.0 min | 2.0% | $2,090 | +1% |
| 75023 | 49,229 | 5,352 | 27.5 min | 3.1% | $2,130 | +3% |
| 75093 | 47,954 | 3,357 | 24.9 min | 4.3% | $2,035 | −1% |
| 75024 | 45,652 | 3,524 | 22.9 min | 6.2% | $2,010 | −3% |
| 75075 | 38,135 | 3,931 | 24.0 min | 2.8% | $2,040 | −1% |
Minimum car insurance in Plano
Plano drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Plano at $755 a year, and $1,050 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Plano premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Collin County as very high for hail, relatively high for inland flooding and relatively high for strong wind, and relatively low for hurricanes.
Traffic & commuting
5.3% of Plano commuters spend an hour or more getting to work, and there are 1.82 vehicles per household. 27.5% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.9 | Comprehensive; dwelling | |
| Hurricane | 59.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 96.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 87.7 | Comprehensive; dwelling | |
| Winter weather | 91.1 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Plano by driver profile
A clean-record driver in their 50s pays the least in our Plano model (about $1,900 for full coverage); an 18-year-old on their own policy pays about $5,680, and a DUI pushes a 30-something to $3,820.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,075 | $2,895 | $5,680 | $473 |
| Young adult (22) | $1,210 | $1,685 | $3,305 | $275 |
| Adult in their 30s | $755 | $1,050 | $2,065 | $172 |
| Adult in their 50s | $695 | $970 | $1,900 | $158 |
| Senior (72) | $845 | $1,180 | $2,315 | $193 |
| 30s, one at-fault accident | $1,095 | $1,525 | $2,995 | $250 |
| 30s, DUI on record | $1,395 | $1,945 | $3,820 | $318 |
Minimum vs. standard vs. full coverage in Plano
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $755 | $63 | $620–$890 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,050 | $88 | $865–$1,240 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,065 | $172 | $1,695–$2,440 |
Estimate your premium in Plano
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Cheap car insurance in Plano: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Plano's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $140 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $145 | You're among the 27.5% of Plano workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $560 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $1,015 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $455 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Plano
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 115 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Plano, our estimates differ by up to $120 a year between neighborhoods.
Car insurance agents near Plano, TX
We found 115 insurance offices within about 6 miles of central Plano, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Robert Richard Chestnut - Farmers Insurance
5501 Independence Pkwy, Plano, TX 75023 -
Zee Yousuf - Allstate
3013 W Spring Creek Pkwy, Ste 500-B, Plano, TX 75023 -
The Sterling Insurance Group
3415 Custer Rd, Suite 104, Plano, TX 75023 -
Jose Yuri Gonzalez - Farmers Insurance
2209 W Parker Rd, Plano, TX 75023 -
Jodie Sue Satterfield - Farmers Insurance
2121 W Spg Crk 119a, Plano, TX 75023 -
Vora Insurance Agency
2115 Teakwood Ln, Ste 250, Plano, TX 75075 -
Farmers Insurance
TX -
Lou Insurance & Financial Services
4120 West Spring Creek Parkway, #B518, Plano, TX 75024 -
Bob Redding - State Farm
6833 Coit Road, Suite 100, Plano, TX 75024 -
Kima Adams Evans - Allstate
6853 Coit Rd, Ste 400, Plano, TX 75024 -
Larry Joe Wilkerson - Farmers Insurance
2317 Coit Rd, Plano, TX 75075 -
Leili Liz Li - Farmers Insurance
3911 W Park Blvd, Plano, TX 75075 -
Matthew Adams - Farmers Insurance
1615 Dorchester Dr, Plano, TX 75075 -
Calvin Wilson - State Farm
1524 Independence Pkwy, Suite K, Plano, TX 75075 -
Farmers Insurance
230 West Parker Road, #200, , TX -
Bertin Santibanez - Farmers Insurance
230 W Parker Rd, Plano, TX 75075 -
Mohd Dawood Amiri - Farmers Insurance
3608 Preston Rd, Plano, TX 75093 -
Korina Hernandez - State Farm
2301 N Central Expy, Ste 260, Plano, TX 75075 -
Alison J Garner - Farmers Insurance
1255 W 15th St, Plano, TX 75075 -
Mansoor Karimi - Allstate
3409 N Central Expy, Ste 104, Plano, TX 75023 -
State Farm
TX -
You David Cai - Farmers Insurance
555 Republic Dr, Plano, TX 75074 -
Farmers Insurance
4701 West Park Boulevard, #208, Plano, TX 75093 -
Jennifer Webb - State Farm
1200 Commerce Dr, Suite 116, Plano, TX 75093 -
Mark Christopher LeClair - Farmers Insurance
710 E Park Blvd, Plano, TX 75074 -
Will Kuo - State Farm
6513 Chase Oaks Blvd, STE B, Plano, TX 75023 -
Larry Filio - Allstate
6521 Preston Rd, Ste 200, Plano, TX 75024 -
Fred Loya Insurance
3300 K Avenue, #200, , TX -
Neelam Kumari - Farmers Insurance
141 W Spring Creek Pkwy, Plano, TX 75023 -
Freeway Insurance
1210 E Parker Rd, Plano, TX 75074 -
Varaz Siraki Gharakhanian - Farmers Insurance
5055 W Park Blvd, Plano, TX 75093 -
Jason W Fleming - Farmers Insurance
930 E 15th St, Plano, TX 75074 -
John E Parker - Farmers Insurance
1400 Preston Rd, Plano, TX 75093 -
State Farm
208 Coit Road, #600, Plano, TX 75075 -
Nesta Rasool Street - Farmers Insurance
4324 Mapleshade Ln, Plano, TX 75093 -
TitleMax
213 Coit Road, Plano, TX 75093 -
Insubuy
4250 Mapleshade Lane, #200, Plano, TX 75093 -
Monique Aviles Lane - Farmers Insurance
7800 Preston Rd, Plano, TX 75024 -
Direct Insurance
1306 M Avenue, Plano, TX 75074 -
Frank John Gallovich - Farmers Insurance
630 N Central Expy, Plano, TX 75074
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Plano
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,550 | −25% |
| Subaru Outback | Wagon | $1,555 | −25% |
| Tesla Model 3 | Midsize car | $2,150 | +4% |
| Subaru Forester | Small SUV | $1,525 | −26% |
| Honda Civic | Compact car | $2,330 | +13% |
| Toyota Corolla | Compact car | $2,185 | +6% |
| Jeep Wrangler | Midsize SUV | $1,695 | −18% |
| Mazda CX-5 | Small SUV | $1,735 | −16% |
| MINI Cooper | Subcompact car | $1,560 | −24% |
| Tesla Model Y | Midsize SUV | $1,935 | −6% |
More car insurance topics in Plano
Car insurance in nearby Texas cities
- Richardson $2,040/yr · 6 mi
- Allen $2,120/yr · 6 mi
- Frisco $2,105/yr · 8 mi
- Carrollton $2,030/yr · 10 mi
- McKinney $2,085/yr · 11 mi
- Garland $2,160/yr · 12 mi
- Lewisville $2,030/yr · 13 mi
- Dallas $2,070/yr · 18 mi
- Irving $2,040/yr · 19 mi
- Mesquite $2,165/yr · 22 mi
- Southlake $1,955/yr · 24 mi
- Denton $1,940/yr · 26 mi
All Texas cities and state rules · Homeowners insurance in Plano
Frequently asked questions
How much is car insurance in Plano, TX?
We estimate full coverage in Plano at about $2,065 a year ($172 a month) for a driver in their 30s with a clean record, and about $755 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Plano more expensive than the Texas average?
Our Plano estimate is 9% higher than the statewide figure. The model reflects a population density of 4,091 people per square mile (the typical Texas resident lives at about 670) and an average commute of 25.4 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Plano?
Drivers in Plano follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Plano has the cheapest car insurance?
Among Plano's 6 ZIP codes, 75024 has the lowest estimate (about $2,010 a year for full coverage) and 75023 the highest (about $2,130), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Plano?
An 18-year-old with their own full-coverage policy would pay around $5,680 a year in Plano by our estimate ($2,075 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Plano?
Yes. FEMA's National Risk Index rates Collin County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Plano?
We list 115 insurance offices in and around Plano, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Plano and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places