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Cheapest car insurance in Frisco, Colorado (Nov 2024)
Cheapest car insurance in Frisco, Colorado (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Frisco, Colorado.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Jasmine Kanter
Expert Insurance Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Maria Cruz, Expert Insurance Writer & Editor
What's on this page?
- How to find the cheapest car insurance in Frisco
- Best car insurance companies in Frisco
- Best cheap car insurance quotes in Frisco
- Average cost of car inurance in Frisco
- Car insurance quotes in Frisco by rating factors
- How do different factors impact your car insurance costs in Frisco?
- Cheap car insurance quotes in Frisco after driving violations
- Cheap car insurance quotes in Frisco by age
- Cheap car insurance quotes in Frisco based on insurance history
- Cheap car insurance quotes in Frisco for popular cars
- How to lower car insurance costs in Frisco
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Frisco
On average, car insurance in Frisco costs $96 per month for minimum liability coverage, or about $216 per month for full-coverage insurance. Frisco drivers pay 4% less Colorado’s state average.
Smart car insurance shoppers in Frisco
Colorado
turn to Jerry, because Jerry makes it easy for customers to compare and purchase affordable car insurance
. Below are some of the cheapest car insurance quotes for customers in Frisco.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $105 | Mae, 26 Zip: 80443 | Chrysler 300C | • State Minimum Liability |
| Safeco | $77 | Jerry, 29 Zip: 80443 | Chevrolet Silverado C1500 LT | • State Minimum Liability |
Last Updated Nov 21, 2024Best car insurance companies in Frisco
There’s no “one-size-fits-all” model for car insurance—and no single company can offer the best (and cheapest)
car insurance quotes
for every driver. State Farm, Progressive, USAA, and GEICO have the largest market shares in Colorado and may offer the most competitive rates for Colorado drivers.
But bigger isn’t always better! State Farm is often named the cheapest car insurance company in Colorado—but in our survey, State Farm was rated just 2.6 out of 5.0 for cost.
Which insurers got the best ratings among Colorado drivers? Safe Auto, Farmers, Safeco, and Bristol West all performed well, with average ratings above 4.5 for both policy cost and customer service.
Check out how real Jerry users rated various insurance companies below:
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.3 | 3.8 | 3.2 | 4 |
| Progressive | 4.1 | 4.2 | 3.4 | 4.2 |
Liberty Mutual | 4 | 3.4 | N/A | 4.4 |
| Farmers | 3.7 | 4.3 | N/A | 4 |
| State Farm | 3.2 | 2.8 | 3.8 | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Frisco
To legally hit the road in Frisco, Colorado, drivers are required to carry set amounts of
liability insurance
. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Friscoshould consider purchasing full coverage for the best protection.Cheap minimum liability insurance quotes in Frisco
The state minimum coverage or minimum essential coverage in Colorado follows a 25/50/15 pattern—that means you need at least $25,000 per person and $50,000 per accident in
bodily injury liability coverage
, as well as $15,000 for property damage liability coverage
per accident.With this basic liability coverage, you’ll be protected up to your policy’s limits if you are responsible for injuries or property damage while driving.
Here are some examples of Frisco car owners that Jerry has assisted in obtaining minimum liability coverage.
Mae (26 years old)
$105
per month
Johanna (29 years old)
$158
per month
Do you need more than minimum coverage in Frisco?
Colorado has fairly average liability insurance coverage requirements. But most drivers need more than the 25/50/15 state minimum.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the state’s 25/50/15 limit—especially if you cause serious injuries to another person. A totaled vehicle could cost well above $50,000, while medical bills can quickly exceed $25,000.
Moreover,
Colorado car accident laws
set the statute of limitations for personal injury lawsuits to three years after a crash–so your liability will extend long after the actual incident passes. The bottom line: For better financial protection, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100 liability coverage. Better yet, invest in a full-coverage policy.
Cheap full coverage car insurance quotes in Frisco
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. Full coverage policies include
comprehensive
and collision coverage
, in addition to your liability coverage. - Collision coverage helps cover the costs of repairs if your vehicle is damaged in an accident with another vehicle or stationary object (such as a tree or road sign.
- Comprehensive coverage helps cover costs associated with non-collision incidents, such as theft, vandalism, falling objects, or hail.
If you have a
car loan
, your lender will likely require you to have coverage for physical damages—that is, collision and comprehensive coverage. Check out what real Jerry users paid for various levels of coverage below:
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 100,000/300,000 Liability • Comp / Collision | Progressive | $191 | Rosetta, 34 Zip: 80443 | Subaru Outback Premium |
• State Minimum Liability • Comp / Collision | The General | $158 | Johanna, 29 Zip: 80443 | Chevrolet Silverado C1500 LT |
Last Updated Nov 21, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry,
a top insurance agency
, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car inurance in Frisco
Based on Jerry’s work with drivers in Frisco, we’ve found that the average annual cost minimum liability coverage is $1,152 each year. That works out to about $96 per month. For full coverage, Frisco drivers typically pay $2,597 per year or $216 per month.
While average insurance rates can help you predict your own insurance costs, it's important to note that every driver's insurance premium is calculated differently.
Car insurance companies look at many different factors when
calculating your annual premiums
, including your demographics, driving record, and discount eligibility—so your actual insurance costs could vary significantly from the state averages.Car insurance quotes in Frisco by rating factors
Insurance companies in Frisco use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Accidents, tickets, or other traffic violations on yourdriving recordcould result in higher premiums.
- Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
- Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
How do different factors impact your car insurance costs in Frisco?
How do different factors impact your car insurance costs in Frisco?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Colorado currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Frisco:
Cheap car insurance quotes in Frisco after driving violations
Your driving history has a significant impact on car insurance rates. Violations on your record can drive up the cost of your annual premiums, especially if you have serious infractions.
Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Frisco after speeding ticket
While your rates might not go up much for a single minor
speeding ticket
, if you’re ticketed for going well over the speed limit or you receive multiple speeding tickets in a short time, you’ll likely notice your rates going up. But even if your rates do go up due to a speeding ticket, Jerry may still be able to help you find cheap insurance in Estes Park, CO.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 1-5 | Nationwide | $66 | Della, 42 Zip: 80443 | Mercedes-Benz GLE | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | AAA | $72 | Lizzie, 40 Zip: 80443 | Mini Cooper | • 50,000/100,000 Liability |
Last Updated Nov 21, 2024Cheapest car insurance in Frisco after DUI
Drivers with a DUI are considered high-risk, which results in steep increases to your annual premium.
Car insurance rates can also vary dramatically between insurance providers when you have a
DUI on your Colorado driving record
—so comparing rates is the best way to find the most affordable option after a DUI offense. The good news is, Jerry has helped many drivers in Frisco obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Frisco after an at-fault accident
Insurance companies look at previous at-fault accidents on your record to determine how much of a risk you pose to insure.
If you have an at-fault accident on your Colorado driving record, you could see a steep increase in your insurance rates when your policy is up for renewal.
Check out what Jerry drivers paid for car insurance after various types of accidents below:
Last Updated Nov 21, 2024Cheapest car insurance in Frisco after other driving violations
Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation.
Here are some examples of how Jerry has helped other Frisco drivers find cheap car insurance despite previous violations.
Last Updated Nov 21, 2024Cheap car insurance quotes in Frisco by age
Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75. Whether you're a teenage driver or
senior driver
who falls outside these bounds, here's how to make the most of your age.Cheapest car insurance in Frisco for young drivers
Drivers between the ages of 16 to 19 pay the highest insurance premiums of any age bracket in the Centennial State, in large part due to their limited driving experience.
Cheapest car insurance in Frisco for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies.
This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
Cheap car insurance quotes in Frisco based on insurance history
Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium.
Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a
lapse in insurance coverage
could lead to being labeled a “high-risk driver,” resulting in higher premiums. Belle (25 years old)
$105
per month
Birdie (25 years old)
$105
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I was kind of skeptical when it came to car insurance with Progressive. Little did I know, their insurance is just as good as their commercials.
Melody
Best prices around
Kendra
Travelers insurance has very competitive process with top notch coverage. Wouldn't think of using anyone else
Alex
Good company
April
Cheap car insurance quotes in Frisco for popular cars
Your vehicle’s make and model also influence how much you pay for car insurance.
The cheapest cars to insure
have low repair costs, great security systems, and excellent safety ratings.Some of the most popular models among Colorado drivers include the:
- Ford F-150
- Chevy Silverado
- Toyota Tacoma
- Subaru Outback
See how Jerry helps drivers save when insuring these models and others in Colorado.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Subaru Outback Premium | Progressive | $191 | Milton, 33 Zip: 80443 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024How to lower car insurance costs in Frisco
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place.
To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts for Colorado drivers include: - Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
- Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
- Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
- Bundling discounts:Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.
FAQ
Who has the cheapest auto insurance in Colorado?
There is no one insurance company that provides the best coverage to all motorists. The reason why is that every driver’s profile is different, meaning their coverage rates will differ too. The best thing to do is shop quotes from different companies to find the best policy for you—at the cost you’re looking for.
However, there are a few places to start! Our research shows that some of the cheapest (on average) minimum coverage rates in CO can be found with Nationwide ($50/month), Travelers ($60/month), State Auto ($63/month), and Clearcover ($65/month).
How much is average car insurance in Colorado?
The average car insurance in Colorado costs about $60 per month ($723 per year) for minimum coverage and $181 per month ($2,172 per year) for full coverage.
Why is car insurance going up in Colorado?
Car insurance is going up in Colorado due to a number of factors—mainly, the increasing frequency of extreme natural disasters. In 2023, weather disasters cost the US a combined $92.9 billion in damages, with Colorado suffering more and more from deadly wildfires and hail storms from the Rockies.
What’s full coverage car insurance in Colorado?
Full coverage car insurance in Colorado includes liability insurance (with at least 25/50/15k of coverage), plus collision and comprehensive coverage. Liability insurance is required by Colorado law, but collision and comprehensive—and by extension, full coverage—are not.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
Jasmine Kanter
Jasmine Kanter is a non-fiction writer specializing in comprehensive content that's accessible to beginners, experts, and everyone in between. Since joining the Jerry team, Jasmine has penned over 300 articles on car insurance requirements, driving tips, and car maintenance.
Prior to joining Jerry, Jasmine worked as a graphic designer, storyboard artist, and French customer service representative. She enjoys collecting hobbies and babysitting ducks in her spare time.
Maria Cruz
Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.