Best
Why Pay More ?
Plano, Texas, is a city where people feel safe and schools are great. One special place to visit is the Arbor Hills Nature Preserve, where you can walk in peaceful nature and on nice trails. You might even see some birds and squirrels! If you like video games and technology, there's a museum called the National Videogame Museum. It's a cool place to learn about video games and see old game consoles.
When you drive in Plano, you need good car insurance. Sometimes, the roads can have unexpected problems, and having the right insurance helps keep you safe as you drive through this lively city. Whether you're going to the busy Legacy West shopping area, relaxing at Oak Point Park, or checking out shows at the Courtyard Theater, having cheap vehicle insurance in Plano means you can enjoy the city without any stress.
Make CINCO Auto Insurance your travel partner of choice; receive an insurance estimate promptly for a safe and secure journey.
Quick Facts About the Auto Insurance in Plano:
- Many Plano insurance providers offer incentives for safe driving habits, including discounts for accident-free records and completion of defensive driving courses.
- Percentage of People Driving to Work Daily (2021): A significant 86% of Plano's workforce relies on personal vehicles for their daily commutes.
How much does Auto Insurance in Plano Cost?
A standard car insurance policy in Plano typically runs around $97 per month for basic liability coverage. If you're looking for full coverage, which offers more extensive protection, it's about $143 per month. Plano drivers pay approximately 4% less insurance than Texas's average. Remember that these are average costs, and your actual expenses may vary based on factors like your vehicle type, driving history, and individual circumstances.
Auto Insurance Costs by Zip Code in Plano:
Your location, right down to your specific area, can impact how much you'll pay for insurance. When deciding on your cost, insurance companies consider how many people live there, how often accidents happen, crime levels, and even the local weather. They also look at how safe an area is, how much traffic there is, and how often accidents occur.
| Zip Code | Average Monthly Quote (Liability) |
| 75023 | $101 |
| 75024 | $81 |
| 75025 | $110 |
| 75074 | $91 |
| 75075 | $116 |
| 75093 | $83 |
Car Insurance Rates by Age in Plano:
Your age may influence the amount you pay for insurance in Plano, Texas. People of various age groups pay different amounts for auto insurance in Plano. Insurance will cost extra if you recently got your driver's license since there is a greater likelihood of accidents. However, because there is less chance of accidents or violating the law, your insurance will be less expensive if you are older and have more driving experience.
We at CINCO Auto Insurance think that every individual should be able to find affordable auto coverage in Plano, regardless of their financial circumstances. We collaborate extensively with our clients to decide on a cost that meets their means.
Driving Conditions in Plano:
How many accidents happen in Plano every year?
In 2021, Plano, Texas, experienced 11 fatal car accidents, resulting in a tragic loss of 11 lives. These accidents involved 22 vehicles and affected 26 individuals in total. Fortunately, none of these accidents were attributed to drunk driving, providing a small silver lining to this otherwise somber statistic. Regrettably, one pedestrian was also involved in a fatal accident during this period.
These numbers remind us how crucial it is to drive carefully. Each statistic represents a person who lost their life, which is very sad. It's really important for everyone, whether you live here or are just visiting, to be very careful when driving. Following the rules of the road and being cautious can help make our streets safer for everyone.
How bad is Plano Traffic?
In Plano, Texas, traffic can be a real time-eater. Recent data shows that residents spend an average of 12 hours each year stuck in traffic. This means a major portion of their time is lost due to congestion. Considering Plano's population of approximately 300,000, this adds up to many hours collectively spent in traffic. In terms of monetary impact, this translates to an annual cost of about $850 per person. These numbers highlight the importance of finding solutions to improve traffic flow and reduce congestion in Plano. Both residents and visitors need to be aware of these challenges and plan their journeys, keeping them in mind.
Minimum Car Insurance Requirements in Plano:
In Plano, Texas, you need to have a type of insurance called Liability coverage. It is commonly known as the "30/60/25"plan. Here are the minimal coverages you must have according to the State Guidelines:
- $30,000 for each person's Bodily Injury Liability (BI)
- $60,000 for Bodily Injury Liability (BI) in total for one accident
- $25,000 for Property Damage Liability (PD).
So, if there's an accident, your insurance will pay up to $60,000 for injuries but no more than $30,000 for one person. It also covers up to $25,000 for property damage. Unless you decline it in writing, you must get at least $2,500 in Personal Injury Protection (PIP) insurance.
Major Discounts for Automobile Insurance in Plano:
The easiest way to save money is by opting for discounts. CINCO Auto Insurance offers its customers a wide range of discounts because we aim to make car insurance accessible to everybody. A few major discounts that we provide are listed below.
| Military discounts | Renewal Discounts | Continuos insurance discounts |
| Multi-policy Discounts | Marriage Discount | Loyalty discounts |
| Multi-car Discounts | Bundling Discounts | Accident-free Discount |
| Costco Discount | Defensive Driving Course Discount | Teen Drivers |
| Lien Holder Discount | Senior Drivers, | Bundling Policies |
| Good driver Discounts | Paid-in-Full | Automatic Payments |
| Occupational discounts | Paperless Billing | Vehicle Safety Ratings and Features |
| First Responders | Affiliation Discounts | Low Mileage Discounts |
| Mature, retired, or senior discount | User-Based | Telematics-Based |
Penalties for Traffic Violations/Offenses in Plano:
The average fine in Texas for going about 10 miles per hour faster than the speed limit is roughly $223. However, if you drove even faster, like 15 miles per hour over the limit, it might be about $255. And if you were flying 20 miles per hour over, the fine could be around $291.
You could be looking at a fine between $175 and $350 for a first-time offense. However, if you repeat the same mistake, the penalty could jump to anywhere between $350 and $1000. Remember, these are just average numbers; the actual fine could be slightly different. Sticking to speed limits is important to keep everyone safe on the roads. If you receive a ticket, note the fine amount and follow any instructions provided by the authorities to handle the situation properly. Here is a list of traffic violations and how they affect your insurance premium rates to give you an idea.
| Violation | Premium Increase After Infraction |
| Red Light Infraction | 23% |
| Speeding Ticket | 27% |
| Reckless Driving Infraction | 98% |
| Suspended Driver’s License Infraction | 104% |
| DUI | 107% |
Major Amenities in Plano:
And not to forget! The awesome libraries in Plano! The Haggard and Davis Library are like magical places full of books and fun things to explore. It's like having a world of knowledge right in your city. When it's time to deal with taxes, Plano's got you covered. The Plano Tax Office and the Collin County Tax Office are close by, all set to assist you with the important grown-up stuff.
Having all these essential places nearby makes living in Plano incredibly convenient. It means you can take care of important things without much fuss. That's why Plano is such a wonderful city for everyone to call home!
From License Renewals to Title Transfers, We've Got You Covered; Discover the top 4 DMV offices near your town!
| Name | Address | Contact Number | Official Website |
| Texas Department of Public Safety | 400 Powerhouse St McKinney, TX 75071 | 1 214-733-5350 | Link |
| Texas Department Of Public Safety | 2109 W Parker Rd Plano, TX 75023 | 1 972-867-4221 | Link |
| North Texas Tollway Authority | 5900 W Plano Pkwy Plano, TX 75093 | 1 972-818-6882 | Link |
| Denton County Department of Motor Vehicles | 5550 FM 423 Ste 401 Frisco, TX 75034 | (972) 434-8835 | Link |
Get a Quote for Car Insurance in Plano Right Away!
Being a responsible driver demands more than just hitting the road - it includes taking care of yourself and your vehicle side by side. At CINCO Auto Insurance, we realize the great importance of safety alongside stability. We provide Affordable Auto Insurance in Plano at the most suitable rates!
Let CINCO Auto Insurance be your guiding light toward a reliable car insurance policy in Plano. Receive a quote online, call us at 855-336-8555, or email your query to startsaving@cincoautoinsurance.com .