In an emerging electricity market in which concepts of energy transition, energy security, quality and efficiency are included, it is essential to incorporate renewable energies as a fundamental factor for the development and sustainability of electricity systems. The evolution of demand requires the electrical system to guarantee quality and efficiency, in this aspect planning is fundamental, therefore, the current research proposes a multistage planning model with photovoltaic distributed generation in low voltage networks of rural electrical systems for cost optimization. In the first stage, this model uses clustering optimization methods, approximate analysis methods of the low voltage network, simultaneity factors by demand blocks, and 10x10x4x3 factorial experimental design, which allow the location and capacity of distributed generation to be able to be established. In addition, the trend and econometric methods determined that the annual demand growth rate is 4.99%. For the technical assessment were established two alternatives, on the one hand with distributed generation and, on the other hand without this one, In the first case, the outcomes of the load flows with sum of currents methods, the monthly energy lost is 59,517 kWh, 149,898 kWh and 285,278 kWh for the years 2027, 2033 and 2043, respectively as well as the reduction of voltage drops in average percentage is 0.68%, 0.88% and 1.06% for the years 2027, 2033 and 2044, respectively. Finally, the minimum cost with distributed generation is US$ 134,120.47, NPV of 678,519.07, and IRR of 50.86%.