Plano, TX
Plano, TX car and homeowners insurance
How Plano households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Plano drivers commuting alone at a rate of 61% and homeowners making up 57% of households. Here is what that means for auto and home coverage in a city of about 293,286.
How Plano gets around
| Measure | Plano | Texas |
|---|---|---|
| Drive alone to work | 61% | 71% |
| Carpool | 7% | 10% |
| Work from home | 28% | 14% |
| Commute of 45 minutes or more | 13% | 17% |
| Commute under 15 minutes | 23% | 25% |
| Households with no vehicle | 4% | 5% |
| Households with 3 or more vehicles | 18% | 22% |
Census ACS five-year estimates, 2020–2024, accessed through Census Reporter.
Long commutes are shorter in Plano than statewide: 13% of workers spend 45 minutes or more getting to work. Annual mileage is one of the factors insurers use for auto pricing, so give an honest estimate for each car.
Remote work is common here: 28% of workers mostly work from home. A car that sits most of the week may qualify for a low-mileage discount.
Vehicle counts vary: 18% of households in Plano have at least three vehicles (Texas: 22%). A multi-car policy, combined with homeowners, often earns the biggest stack of discounts.
Owning a home in Plano
Census figures put Plano's median home value at $465,900 (Texas: $283,800) and its median year built at 1993. Older homes raise questions about roofs, wiring, and plumbing; newer ones may qualify for new-home credits.
NAIC data for 2023 show Texas HO-3 policyholders with $450,000–$499,999 of dwelling coverage paying an average of $3,180; the all-amounts state average was $2,864.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Legal minimums on the road in Plano
The state minimum is 30/60/25. Additional requirement: none beyond liability (PIP and UM must be rejected in writing). See our state minimums guide for how these compare across our ten states.
Should Plano homeowners bundle?
Most Plano homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
Local risks for Plano cars and homes
Plan for Gulf hurricanes near the coast, along with flash flooding. Check your wind or hail deductible on the home policy and your comprehensive deductible on the car.
County hazard detail: FEMA National Risk Index.
Plano compared with nearby cities
Frisco shows 38% working from home and a median home value of $642,100. In McKinney, 64% own their home and 17% of households have three or more vehicles. In Houston, 42% own their home and 14% of households have three or more vehicles. Plano ranks 13th for long commutes among the 30 Texas cities we profile.
Gathering details for a Plano auto and home quote
- Roof age and material
- Drivers' names and dates of birth
- Accidents, tickets, and claims from the last five years
- Current declarations pages for auto and home
- Vehicle year, make, model, and VIN
- Mortgage company for the home
Plano auto and home insurance FAQ
What auto insurance is required in Plano?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
How long are commutes in Plano?
About 13% of Plano workers commute 45 minutes or more and 23% commute under 15 minutes (ACS 2020–2024).
How much is home insurance in Plano?
Prices depend on the home and coverage. The NAIC's 2023 Texas HO-3 average was $2,864; see the Texas page.
Other city guides near Plano
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research