Cheap Car Insurance in Plano, TX

Incorporated in 1873, Plano became a major supplier of cotton and grain by the 1890s. The name came from the Spanish word “flat” and references the local surroundings. By the late 1950s, Plano had evolved from an agricultural center to a more urban area. Today, with a population of about 290,000 residents, Plano is the ninth-largest city in Texas. You can easily take the DART rail or a 30-minute drive to nearby Dallas, about 20 miles away.

Lone Star State drivers must carry state-mandated liability auto insurance to legally operate a vehicle or face serious consequences if caught driving uninsured. Read on for more information about auto insurance in Texas, including penalties for driving without insurance, factors considered in figuring your premium, and how to get reduced rates.

Plano, Texas, drivers pay an average of $53 a month for liability car insurance and $131 a month for full coverage. The national monthly average is $62 for liability and $150 for full coverage.

What Does Full vs. Minimum Mean?

Say you’re so lost in thought, savoring the thought of that jalapeno soup you’re about to order at one of Downtown Plano’s quaint restaurants that your foot hits the gas instead of the brake. Will your insurance pay for that gaping hole you’ve left in the restaurant’s side?

The answer is yes, your liability insurance will help cover this type of damage — as well as vehicle damage and medical bills you might cause another driver — up to your policy’s limits. However, your own damage will only be covered if you also have collision insurance. Comprehensive covers non-accident damage, such as from a streetlight pole falling across your car or car theft. A full policy includes all three types of coverage.

Unless you have a chunk of change put away for emergencies, it’s a good idea to upgrade to full coverage to protect yourself in an at-fault accident.

How Many Fatal Accidents Happen in Plano?

There were 13 fatal accidents in Plano in 2022.

How Are the Road Infrastructure and Bridges in Plano?

The City of Plano Public Works maintains the city’s streets and alleyways, performs road upgrades, and announces road construction updates. In 2021, the city completed 28 infrastructure renovations to roads and bridges (including installing a covered walkway on the Legacy Drive bridge), median and pavement projects, and intersection improvements. Avoid driving past cones and barricades, and watch for open trenches in construction zones. Stay informed of current and future local road changes and detours to get to your destination safely.

The North Texas Tollway Authority and Texas Department of Transportation (TxDOT) maintain the four highways (to include lane widening) that run through Plano: U.S. 75, Dallas North Tollway, President George Bush Turnpike, and Sam Rayburn Tollway. Use extra caution when driving through highway construction zones.

Plano drivers must carry the following minimum state-mandated liability insurance coverage to drive legally:

Prepare to suffer consequences if you’re caught driving without auto insurance in Plano, Texas, especially if you cause an accident. You may receive any or all of the following:

Insurance underwriters in Plano, Texas, consider certain factors when coming up with your premium, including:

Among other requirements, Texas requires drivers to carry $25,000 property damage liability coverage to drive legally. This insurance covers up to the $25,000 limit and extends to property other than vehicles, such as fences, buildings, streetlamps, mailboxes, traffic signs, house structures, and possessions like outdoor furniture and yard art on someone’s property.

If the property owner decides to sue you, this insurance may also cover legal fees. But if the cost for damages is more than your policy limit, you’ll be on the hook for the remaining balance. Property damage liability does not carry a deductible.