Compare Frisco, TX Car Insurance Rates (2021)

The average cost of car insurance in Frisco, Texas is $319 per month or $3,834 annually. The cheapest Frisco, TX car insurance company is USAA, followed by State Farm. However, your Frisco, TX car insurance rates vary depending on your gender, age, driving record, and coverage needs. All Frisco residents must carry the Texas minimum car insurance limits of 30/60/25 in liability coverage to legally drive on the roads.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jul 12, 2021

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Here's What You Need to Know

  • The cheapest Frisco, TX car insurance company is USAA, followed by State Farm
  • Overflow traffic congestion from the nearby city of Dallas impacts your Frisco, TX car insurance rates
  • Frisco, TX car insurance premiums are average for the state of Texas

The average Frisco, TX car insurance rates are $319 per month or $3,834 per year. However, your gender, age, and driving record all influence your Texas car insurance quotes.

Keep reading to compare the average annual rates the top insurance companies charge Frisco residents and discover how to find cheap car insurance in your city.

Monthly Frisco, TX Car Insurance Rates by ZIP Code

These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Frisco. TX does use gender, so check out the average monthly car insurance rates by age and gender in Frisco, TX.

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Frisco, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s vital to compare Frisco, TX against other top US metro areas’ auto insurance rates.

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When you’re ready to buy Frisco, TX car insurance, enter your ZIP code into our free quote tool above and immediately receive rates from the top providers in your city.

What is the cheapest car insurance company in Frisco, TX?

Who are the best Texas car insurance companies? The cheapest Frisco, TX car insurance company is USAA. However, only military personnel are eligible to use its services.

The next most affordable Frisco, TX car insurance quotes come from State Farm and are available to everyone.

The cheapest Frisco, TX car insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Texas car insurance company rates?” We cover that as well.

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In the list below, compare the average annual rates the top providers charge Frisco residents for car insurance organized from cheapest to most expensive:

  • USAA – $2,594.28
  • State Farm – $3,063.06
  • GEICO – $3,456.46
  • Nationwide – $3,600.52
  • Progressive – $4,168.87
  • American Family – $4,577.35
  • Allstate – $5,381.07

It’s important to note that every insurance company uses slightly different equations to calculate car insurance rates.

Your age, driving record, and coverage needs all impact your car insurance costs.

In Texas, your gender also influences how much you pay for car insurance.

To secure your cheapest car insurance rates, compare quotes from more than one of the providers listed above.

Frisco, TX car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Frisco, TX car insurance rates. Find the cheapest Frisco, Texas car insurance rates by coverage level below:

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Your credit score will play a major role in your Frisco, TX car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Frisco, Texas car insurance rates by credit score below.

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Your driving record will affect your Frisco car insurance rates. For example, a Frisco, Texas DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Frisco, Texas car insurance rates by driving record.

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Factors affecting car insurance rates in Frisco, TX may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Frisco, Texas car insurance.

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These states no longer use gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a large factor because young drivers are considered high-risk drivers in Frisco. TX does use gender, so check out the average monthly car insurance rates by age and gender in Frisco, TX.

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What car insurance coverage is required in Frisco, TX?

By law, all Frisco residents must carry at least the Texas car insurance minimum limits to drive on the roads.

What is the penalty for driving without car insurance in Texas? License suspensions, fines of up to $1,000, and an insurance rate increase of 41 percent or more.

Currently, Texas requires the following coverage levels:

  • $30,000 per person and $60,000 per incident in bodily injury liability coverage
  • $25,000 in property damage liability coverage

In Texas, insurance providers must also offer you Personal Injury Protection (PIP), which you can deny by signing a waiver.

Texas is an at-fault or tort state. If you cause an accident, your liability car insurance coverage pays for the damages to the other driver involved.

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What affects car insurance rates in Frisco, TX?

Overflow traffic congestion from Dallas impacts the regional average Frisco car insurance costs.

While no data exists for Frisco specifically, INRIX ranks the nearby city of Dallas as the 10th most congested city in America.

Driving often in heavy traffic increases your rates because it puts you at a higher risk of getting into an accident. According to City-Data, the average commute time for Frisco residents is 27.6 minutes.

Fortunately, low auto theft rates balance out any increases to your car insurance rates the overflow traffic from Dallas causes.

The Federal Bureau of Investigation (FBI) recorded only 84 car thefts in Frisco in 2017, a low rate of 48.6 stolen cars per 100,000 people.

Unfortunately, annual bad weather increases a region’s car insurance costs since it makes the roads riskier to drive on.

Tornadoes, heavy lightning, hail, and flooding are common Frisco, TX weather occurrences.

Frisco, TX Car Insurance: The Bottom Line

Overall, Frisco car insurance costs are average compared to the rest of Texas. You can compare Frisco, TX auto insurance rates to the following Texas cities:

By putting in the research, asking about car insurance discounts, and comparison shopping online, you’ll quickly secure your best Frisco car insurance prices.

Now that you’re ready to buy Frisco, TX car insurance, enter your ZIP code into our free quote tool below to receive rates from reputable providers near you immediately.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Frisco, TX Car Insurance Rates by ZIP Code
Frisco, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Frisco, TX Car Insurance Rates by Company vs. City Average
Frisco, TX Car Insurance Rates by Company and Age
The Cheapest Frisco, TX Car Insurance Rates by Coverage Level
The Cheapest Frisco, TX Car Insurance Rates by Credit Score
The Cheapest Frisco, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Frisco, TX
Average Monthly Car Insurance Rates by Age & Gender in Frisco, TX
Monthly Frisco, TX Car Insurance Rates by ZIP Code
Frisco, TX Car Insurance Rates vs. Top US Metro Car Insurance Rates
Frisco, TX Car Insurance Rates by Company vs. City Average
Frisco, TX Car Insurance Rates by Company and Age
The Cheapest Frisco, TX Car Insurance Rates by Coverage Level
The Cheapest Frisco, TX Car Insurance Rates by Credit Score
The Cheapest Frisco, TX Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Frisco, TX
Average Monthly Car Insurance Rates by Age & Gender in Frisco, TX