Auto Insurance - Plano, Texas

Auto Insurance - Plano, Texas

With so many companies offering car insurance in Texas, how do you choose the auto insurance that's best for you? When deciding on an insurance company, there are many factors to consider, such as your personal lifestyle and even your other insurance needs.

As a part of the Dallas-Fort Worth metroplex, Plano was previously selected as the 11th best place to live in the United States. But if you want to tool around this town and see why everything's better in Texas, you'll need automobile transportation and auto insurance coverage that protects you. Allstate offers a wide variety of auto insurance options for drivers in Plano, as well as other products like homeowners insurance and life insurance.

Texas Auto Insurance Requirements

Texas law requires people who drive in Texas to pay for the accidents they cause. Texas also has a Consumer Bill of Rights for auto insurance.

Although the state of Texas requires minimum auto insurance coverage levels, only you can decide which specific car insurance coverages are right for you. Refer to the chart below for information about Texas - required coverage levels and the most common car insurance coverages.

Coverage Scale
Coverage Texas Minimum Requirements Most Common**
Missouri Drivers
Bodily Injury Liability 30,000/60,000* 25,000/50,000*
Property Damage Liability 25,000 25,000
Uninsured Motorist Bodily Injury Not required 25,000/50,000*
Personal Injury Protection Not required 2,500
Medical Payments Not required 2,000
Collision Not required 500 deductible
Comprehensive Not required 500 deductible
*Understanding the table: XX/XX = bodily injury or death of one person in any one accident/bodily injury or death or two or more persons in any one accident.
**Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles by Allstate Insurance Company policyholders in Texas. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimums.
For a better understanding of Texas auto insurance coverage requirements or to get an auto insurance quote, contact your local Allstate agent.

Texas Auto Insurance Discounts

Once you know the amount of auto insurance coverage you need in Texas, take a few minutes to learn about the types of auto insurance discounts that might be available to you. Allstate offers discounts for safe drivers, good students, those who carry multiple policies with Allstate, and more. Contact your Allstate agent to learn more.

What's Happening in Plano

The Plano area encompasses 9 different zip codes ranging from 75023 to 75094. Some of the most common claims reported in the Plano area include:

Common Claims
Type of Claim Average Cost per Claim
Water Damage $6,513
Hail $9,706
Wind $5,777
Theft/Burglary (all other) $3,329
Physical Damage (all other) $1,980
Talk with your Allstate agent to ensure you have the right amount of coverage for your auto and property. Your agent can provide insurance quotes on a range of products including homeowners insurance and life insurance.

To learn more about the types of insurance claims frequently filed in Plano, Dallas-Fort Worth, Garland, Richardson, and other surrounding areas, use our Common & Costly Claims tool.

Texas Graduated Driver Licensing

Although teen drivers constitute only a small percentage of the drivers on Texas roads, they are involved in fatal car crashes more often than any other group. In an effort to combat teen auto crashes and fatalities, the state implemented the Texas Graduated Driver License (GDL) program, effective January 1, 2002, to educate and train young new drivers its first graduated drivers license (GDL) law in 1997. The good news is that, as a result of the program, the number of teen crashes has decreased since the GDL was adopted.

The following table outlines the GDL requirements and restrictions for Texas.

Graduated Driver Licensing (GDL)
Insurance Institute for Highway Safety Rating Good
Minimum Entry Age
(Optimal: 16)
15 years
Extended Learner Period
(Optimal: at least 6 months)
6 months
Parent Certification
(Optimal: 30 hours minimal)
20 hours, 10 of which must be at night
Night Restriction
(Optimal: 9 or 10 p.m.)
12:00am - 5:00am
Passenger Restriction
(Family members excepted unless otherwise noted)
No more than 1 passenger younger than 21 years old
Minimum Exit Age
(Optimal: 18)
17 years
Allstate wants to help ensure that your teen learns safe driving habits right from the start. That's why we implemented the Allstate Teen Driver program.

Plano, Texas Profile

In Texas your auto insurance rates can be influenced by factors such as your age, your driving record, the type of car you drive, and the anti-theft features of your car. When reviewing your insurance needs and policies, you may also want to consider some of the US Census Data that comprises Plano's profile:

Some Great Facts About Plano
Item Statistic
Median HH Income: $81,822
Education: 54% have a Bachelor's degree or higher
Own/Rent 66.5% own their home
Total Population: 259,841 (in 2010)
Number of schools: 70 public elementary, middle, and high schools
Allstate auto insurance offers policies that help protect you so that you and your family can have peace of mind when on the road. To get started, find an agent near you, get a no-obligation auto insurance quote online, or call us at 1-866-621-6900.

City data sourced from U.S. Government websites and Wikipedia.org.

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