Find Car Insurance in Plano, TX

What You Should Know About Car Insurance in Plano, TX

Plano was incorporated in 1873 and consisted of prairie, wildflowers and bison. By the 1960s, Plano was morphing into a suburban-feeling commuter city, with many residents choosing to live here for the excellent schools and peaceful vibe while commuting to Dallas and Fort Worth for work. But it’s not exactly “sleepy”, since town fathers and mothers have worked hard to develop a thriving arts and culture scene, with the Courtyard Theater and ArtCentre of Plano.

Aside from that, the Arbor Hills Nature Preserve, a 200-acre park, offers outdoor living and plenty of upscale shopping opportunities abound. The Shops at Legacy and Legacy West cover some 300 acres and are a favorite destination for locals and visitors alike.

Whether you are a visitor enjoying Plano vibes or a resident taking advantage of all the city offers, you are required to carry car insurance if you will be driving. At InsureOne, agents are standing by to help you find the best car insurance in Texas.

How Much Does Car Insurance Cost in Plano, Texas?

The cost of car insurance in Texas is average when compared with the rest of the nation. Plano residents pay on average $52 monthly for the required minimum liability and roughly $162 monthly for full coverage with increased liability limits. Overall, those quotes compare favorably to Texas averages at $60 for minimum and are much lower than the $214 average for full coverage. Across the nation, averages are $66 for minimum and $223 for full.

What Does Full Coverage vs Minimum Liability Mean?

Full coverage auto insurance is short-hand for a policy that includes liability and comprehensive and collision coverages. With this type of coverage, you are not only protected for injuries and damages you cause in an at-fault accident, your own damages will be covered.

Minimum liability coverage consists of two parts — bodily injury and property damage. It pays up to your policy limits for the other drivers’ repairs and medical costs (or funeral costs) if you are at fault in an accident. Your liability coverage will not pay anything for your own damages.

Comprehensive and collision both have deductibles and minimum liability does not. Minimum liability pays out to your policy limits, while the other two cover your repairs or replacement at market value if necessary.

Affordable Car Insurance Rates Comparison by Cities in Texas

Part of the reason your location is important to your insurance company is because they like to look at statistics that show how many claims are filed from that area. In other words, is it a congested city with lots of accidents and car theft? Or is it more rural with a lower number of claims and thefts? Here are some cities in Texas to see how Plano compares when it comes to average monthly car insurance premiums.

City	Full Coverage Insurance	Liability Insurance Coverage
Plano	$162	$52
Austin	$157	$47
Dallas	$184	$54
Lewisville	$156	$111
Weatherford	$150	$111

How Bundling Your Car and Homeowners Insurance Can Save You Money in Plano

Yes, you can save money on bundling, but there are both advantages and disadvantages to bundling your insurance policies with one insurance agency. Here are examples of both, so you can decide which applies to your situation.

Advantages to bundling your home and auto policies include, of course, the discounted price. Depending on where you go for your insurance, you may receive up to 25-30% off for allowing one agency to cover both of these items.

One disadvantage to adding your home insurance to your auto policy is you may have been able to find a better price for one or the other with another agency if you kept them separate. So, how to decide?

Your neighborhood InsureOne agent will be happy to help you work through whether the discount you get for bundling is as big as or bigger than any lower price you may get for having your car insurance or home insurance separate with another company. You can trust InsureOne to provide you with flexible, customizable options that best fit your life.

What Types of Car Insurance Discounts are Available in Plano?

You can get a hefty discount if you bundle your car and home insurance. But in the competitive insurance market, carriers offer a wide variety of discounts to attract your business. In fact, there is a discount for everybody. If you are a new customer, there is likely a new customer discount and if you are a returning customer, there is a loyalty discount. Here are some examples of discounts, but it is always a good idea to talk to your agent, especially if your life circumstances change.

Discount	What It’s Worth
Good or Safe Driver	10-30% Off
Anti-lock brakes	3% Off
Auto-pay	5%
Military	15% on base, 90% deployed
Good Student	15%

Notable Car Insurance Laws in Plano

People driving in Plano should follow the same rules as are established for the state of Texas. Some common ones are:

• Open container: It is never OK to drink and drive, or even to drive with an open container of alcohol in your vehicle.
• Keys in ignition: It is a $500 fine if you leave your keys in the ignition. This law is to help prevent auto theft.
• Sleeping in your car: It is not against the law in Texas to sleep in your car, but make sure you find a safe place to do it in if you get drowsy behind the wheel.

What are the Mandatory Car Insurance Requirements in Plano?

The minimum legal requirement for car insurance in Texas is:

• Property Damage Liability: $25,000
• Bodily Injury Liability: $30,000 per person and $60,000 per accident

These are the minimum amounts required to drive legally. However, if you cause an accident, these limits may not be enough to cover damages and injuries, leaving you paying the rest out of pocket.

What is the Penalty for Driving without Insurance in Plano?

Texas takes driving without insurance very seriously. It can be expensive in regards to fines, but even more so when it comes to purchasing the required insurance so you can get your driver’s license back. That’s because those who flaunt this law must carry a SR-22 certificate of financial responsibility, a big red flag to insurers. In fact, it labels you as a high-risk driver and your cost of insurance can double and even triple.

State repercussions for driving without insurance include:

• Fines of $175 to $1,000, depending on number of offenses
• License surcharge of $250 every year for 3 years
• License suspension and vehicle impoundment

Do Plano Specific Laws Play a Role in Determining Your Insurance Premiums?

Plano does not have specific laws that play a role in insurance premiums, but insurers there use many different factors to arrive at your quote. The most important ones are your age and your driving history. Young drivers don’t really have a driving history yet, so they are charged the highest amounts. This is also due to a high number of claims as a collective group. Middle-aged drivers with clean driving records get the best rates.

Here are a few examples of other factors:

• Type of vehicle: If your vehicle is a luxury or sports car with hard to find parts and high repair costs, your insurance will likely be higher.
• Policy structure: A high deductible and low limits will have a smaller cost than a low deductible and high limits. You can manipulate these variables to adjust your premium up and down.
• Marital Status: Believe it or not, your status as a married person may earn you a slightly better price. This is because married people are considered safer to insure than singles.

Typical Driving Conditions in Plano

Driving in Plano, Texas, offers a relatively smooth and convenient experience, thanks to its well-maintained roads and organized layout. As a suburban area of the Dallas-Fort Worth metroplex, Plano has grown rapidly over the years, and the city’s infrastructure has kept pace with its development. Major highways like U.S. 75 (Central Expressway) and the George Bush Turnpike make commuting between Plano and surrounding areas like Dallas or Frisco quite efficient.

The city is known for its wide streets and organized grid system, making it easier to navigate even for those who may not be familiar with the area. While traffic can sometimes be heavy during peak rush hours, it’s generally manageable compared to larger urban centers. The flow of traffic tends to be smooth, and the city’s traffic signals and signage are clear, helping drivers stay on track.

Additionally, Plano residents are used to a suburban pace, which means drivers are generally courteous and respectful on the roads. That said, it’s important to stay alert for cyclists and pedestrians, particularly in areas near schools, parks, and shopping centers. Parking in Plano is plentiful, with ample space available at shopping centers, offices, and residential areas.

Overall, driving in Plano is a pleasant experience, offering a good balance between urban convenience and suburban tranquility. With its modern infrastructure and community-focused approach, the city makes getting from point A to point B a relatively stress-free endeavor.

How Many Car Accidents Happen in Plano Per Year?

Plano is a suburban commuter city in north Texas near Dallas and Fort Worth. Typically, drivers here are courteous and obey the rules of the road. In 2022, there were 14 total fatal accidents in Plano.

CRASH CATEGORY	TOTAL
Total Fatal and Injury	4,947
Fatalities	14
Serious Crashes	74
Non-Injury Crashes	3,262
Unknown Severity	80

How Many Uninsured/Underinsured Motorists are in Plano?

The Texas Department of Transportation estimates 20% of drivers are driving without insurance. Since you cannot tell by looking at someone if they have insurance, it is important to protect yourself with affordable uninsured motorist coverage. For what amounts to pennies per day, you will be financially protected if you are hit by an uninsured or underinsured driver — or a hit and run. Even though Texas does not require this type of insurance, it is still highly recommended.