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Find Cheap Car Insurance Quotes in Frisco, Texas (Jul 2024)

Frisco drivers pay slightly less for car insurance than the Texas state average—but smart shopping could save you even more money.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
Living in Frisco means you get all of the convenience that the Dallas-Fort Worth Metroplex has to offer combined with the slower pace of a suburb. But to make the most of all of the opportunities in the area, you’ll probably need a vehicle—and that means budgeting for
car insurance
.
Most
Texas
drivers pay around $53 a month for basic liability coverage and $131 a month for full coverage. In Frisco, drivers pay about $49 a month for basic liability coverage and $125 a month for full coverage—slightly less than the state average on both counts.How to find affordable car insurance in Frisco, TX.
Even if your car insurance costs are a little lower than average, you may still be able to bring them down even more. Here are five ways you can save on your auto insurance: 
  • Ask your insurer about discounts. Insurers commonly offer
    car insurance discounts
    for things like enrolling in autopay, paying your premium in full, and maintaining a safe driving record. Check with your insurance agent to see if you qualify for any discounts you’re not already getting. 
  • Shop with a car insurance broker. An independent agent might only have access to one insurance agency. But brokers like
    Jerry
    have access to multiple providers, so they can compare several policies and negotiate better deals on your behalf.
  • Bundle your policies. Bundling your homeowners insurance or renters insurance with your auto insurance policy often leads to discounted rates and additional benefits. Some insurers will allow you to bundle your life insurance, as well.
  • Practice safe driving. Insurance companies see a clean driving record as a sign of responsibility and safety, leading to lower premiums.
  • Choose a sensible car. Safe, practical cars cost less to insure than sports cars or luxury vehicles with all the options. Consider skipping upgrades that are purely aesthetic, and think about the safety features in any vehicle you’re thinking about buying.
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Average cost of car insurance in Frisco, TX

These tables break down the average monthly cost of full coverage and minimum liability car insurance for Frisco, Texas, and the US.
Location
Average Cost of Full Coverage Car Insurance (per month)
Frisco
$125
Texas
$131
United States
$150
When it comes to state minimum coverage, it’s a slightly different picture. 
Location
Average Cost of State Minimum Coverage (per month)
Frisco
$49
Texas
$53
United States
$62

The best car insurance companies in Frisco, TX

There’s no single car insurance company that’s the best for all drivers—your insurance needs are as unique as you are. It’s important to compare coverage options from multiple providers to ensure you’re getting the best auto insurance coverage and price based on your driving profile.
That said, some providers do stand out to local drivers. Here are some real reviews from Jerry users in Frisco and the greater DFW area:
Company
Review
“Very easy to work with and enjoyable experience.” —5 stars, Mary, Frisco, TX
Liberty Mutual
“No problems with process or app. Easy access and painless payments.” —5 stars, Joshua, Frisco, TX
“Progressive was able to lower my auto insurance rate with higher coverages for my new vehicle. I am learning a lot about myself as a driver with the Snapshot feature and I’m looking forward to becoming a better driver because of it.” —5 stars, Coryell, Frisco, TX
Anchor General
“I'm very pleased with anchor general all around. Very convenient and very affordable!!! Very happy and pleased” —5 stars, Jordan, Fort Worth, TX
“Geico has worked with me closely and quickly when I had a couple of minor accidents. They make the process easy and their rates are excellent!” —5 stars, Shawna, Southlake, TX
Car insurance prices have gone up nationwide, and Frisco is no exception. In fact, car insurance costs have risen slightly more on average in Frisco than for the state of Texas (although fortunately, overall costs are still a little lower in Frisco).
Frisco
Texas
Average annual cost of insurance 2021
$714.12
$811.96
Average annual cost of insurance 2022
$1210.10
$1228.74
Rate of change
69%
51%
Inflation and post-pandemic shortages have contributed to rising medical expenses and repair costs. That means insurers have to pay out more for claims, and those increased costs get passed along to consumers.

Local factors affecting Frisco auto insurance prices 

Here are a few reasons insurance is going up in Frisco:
  • Fast growth: Frisco is growing quickly—it’s actually the 15th fastest-growing city in the US.1  That growth means more traffic and, in turn, more collisions. That leads to higher insurance costs for everyone.
  • Roadwork: To combat the strain that Frisco’s population growth is putting on the roadways, the city has implemented several ongoing infrastructure projects.2  That should help in the long run but in the meantime, road construction can lead to traffic congestion and increased car accidents.
  • Weather: Like the rest of the DFW area, Frisco is susceptible to severe weather, including tornadoes, hail, strong winds, and flooding.3  These all pose dangers to drivers, and insurance rates reflect that.
  • Fatal crashes: Frisco saw a record-high in traffic fatalities in 2021.  Thankfully, these numbers went down again in 2022, but it was likely a factor in the steep increase in car insurance costs.4

What are the minimum car insurance requirements in Texas?

Texas requires all drivers to carry at least the following amounts of liability insurance:
  • $30,000 of bodily injury liability per person
  • $60,000 of bodily injury liability per accident
  • $25,000 of property damage liability per accident
Insurers must also offer you uninsured/underinsured motorist coverage (UM/UIM) and $2,500 in personal injury protection (PIP). You can decline this coverage in writing—but it’s valuable protection that may be worth the extra expense, so consider keeping it.

Liability vs. full coverage: Which should you get in Frisco, TX?

When you’re shopping for insurance, you might wonder whether state-required liability insurance is enough or if you should upgrade to full coverage. 

State minimum insurance leaves you financially vulnerable

If you cause a serious accident, Texas’ minimum liability limits may not be enough to cover all of the damage. 
Most experts recommend raising your liability limits to at least $100,000 per person and $300,000 per accident of bodily injury liability and $100,000 per person of property damage liability.
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Expert Insurance Agent Insight

avatar
VP of Insurance Operations, Jerry
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Full coverage costs more upfront, but it provides a financial safety net

Even if you increase your liability limits, a liability-only policy could still leave you in a bind. That’s because liability insurance won’t pay for any damage to your own vehicle. For that, you’ll need full coverage.
Full coverage is made up of two components: 
  • Collision coverage
    —Helps repair or replace your vehicle in the event of a collision with another vehicle or object
  • Comprehensive coverage
    —Helps protect your vehicle against risks like theft, vandalism, natural disasters, falling objects, and hitting an animal
While full coverage does cost more in the short term, it could keep you from having to pay significant repair or replacement costs out of pocket. Instead, you’ll just need to pay your
deductible
and your policy will take care of the rest.
If you lease your vehicle or you have a car loan, your lender will likely require you to carry full coverage as part of your financing terms.

Optional add-on coverage

In addition to liability and full coverage insurance, you can customize your policy with additional types of protection: 
  • Uninsured/underinsured motorist (UM/UIM)
    : Pays up to your policy limits if you’re in an accident with an uninsured driver or a driver whose liability insurance won’t cover your damage
  • Personal injury protection (PIP)
    : Helps cover medical bills, lost wages, and other injury-related costs for you and your passengers after an accident
  • Medical payments coverage (MedPay)
    : MedPay is similar to PIP but only applies to medical costs, while PIP offers broader coverage
  • Roadside assistance: Also known as
    towing and labor coverage
    , this coverage provides assistance if your vehicle breaks down or needs to be towed
  • Rental reimbursement: Helps you pay for a rental car if your own vehicle is being repaired due to a covered loss

Penalties for driving without insurance in Frisco

Texas officials take
driving without car insurance
seriously—if you’re caught behind the wheel without proof of insurance, you could face several consequences:
First offense: 
  • Fine of $175 to $350
Second and subsequent offenses:
  • Fine of $350 to $1,000
  • Vehicle impoundment for up to 180 days, including a $15/day fee that you must pay in order to retrieve your car

What affects the cost of car insurance for Frisco drivers?

While national and local factors do affect car insurance costs, your own driver profile will have the biggest impact on your rates.  

Age

Typically, drivers under 25 pay the highest rates for car insurance due to their inexperience behind the wheel. Here are the average costs for Frisco drivers, broken down by age:
Age group
Average monthly cost of car insurance
18–21
$284
22–25
$119
26–34
$103
45-54
$82
55-64
$69
65+
$80

Housing

Many insurance companies offer discounts to homeowners—and bundling home insurance with auto insurance can lead to even more savings.
Rent or own
Average annual cost of minimum liability insurance
Average annual cost of full coverage
Renter
$587
$1,618
Homeowner
$584
$971
As you can see, Frisco homeowners and renters pay similar rates for state-required liability-only policies—but people who own their home pay significantly less for full coverage.

Credit

In many states—including Texas—insurers are allowed to consider a driver’s credit score when setting their rates. In general, a higher credit score means better financial responsibility, and insurance companies see that as a lower overall risk.
Here’s how credit score affects car insurance rates for Frisco drivers:
Credit score
Average monthly cost of insurance
< 600
$105
601–699
$118
700+
$72

Vehicle

The car you drive can have a big impact on your rates. Here are the average rates for a few of the most popular vehicles in Texas: 
Model
Average monthly cost of minimum liability
Average monthly cost of full coverage
$83
$152
$86
$166
$98
$187
$86
$152

Location

Insurance companies look at factors like crime rates, average income, and the number of claims filed in your ZIP code when they’re setting rates. Here are the average insurance costs for each of Frisco’s ZIP codes:
ZIP codeAverage monthly cost of insurance
75033$158
75034$154
75035$146
75036$138

Driving history

Your driving history probably has the single biggest impact on your car insurance rates. Even a single violation can raise your car insurance rates—and having numerous citations or at-fault accidents on your
Texas driving record
means you’ll pay much higher insurance premiums overall.
Here’s how different violations affect the rates for drivers in Frisco: 
ViolationAverage monthly premium
Improper Passing$213
Suspension$197
Speeding under 15$159
Clean Record$152
Illegal Turn$127
Failure to Obey Traffic Sign$114
Speeding over 15$113
Other$88

SR-22 insurance in Frisco, TX

If your license is suspended due to a serious infraction like a DUI, you may be required to carry an SR-22, which is a certificate your insurance company files with the state to verify you carry at least state minimum liability insurance.
The violation that led to your SR-22 requirement will typically result in higher-than-average car insurance costs. To find the cheapest rates, compare quotes from several different insurance companies. Be especially sure to check with non-standard insurers, which specialize in coverage for high-risk drivers.

FAQs

How much is car insurance in Frisco?

The average cost of car insurance in Frisco is $97 a month. Drivers pay around $49 a month for minimum liability insurance and $125 a month for full coverage.

How much is car insurance in Texas per month?

The average cost of car insurance in Texas is around $97. Drivers pay about $53 a month for minimum liability insurance and $131 a month for full coverage.

How can I find the cheapest car insurance in Frisco?

The best way to find cheap car insurance in Frisco is to shop around. Request free quotes from at least 3–5 insurance companies, or shop with a broker who can compare rates from multiple insurers on your behalf.

What factors affect car insurance quotes in Frisco?

Your driving record has the biggest impact on your Frisco car insurance rates—but crime rates, traffic, and weather can all affect costs, too.

Is car insurance higher in Frisco?

Car insurance in Frisco is slightly cheaper than the average for the state of Texas.

Do I need to change my car insurance if I move to Frisco?

If your current insurer operates in Texas, you won’t need to change companies—but you do need to notify them of your address change promptly.

What is the best car insurance company in Texas?

There’s no single car insurance company that’s the best for everyone, but Texas drivers do rate Progressive, Allstate, Liberty Mutual, State Farm, and GEICO highly.

Methodology

All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states. 
Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle. 
Minimum coverage refers to policies with the following coverage limits: 
  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident
Full coverage refers to policies that contain at least the minimum liability required by law in Texas, along with comprehensive and collision insurance with deductibles of either $500 or $1,000. 

Sources

Meet our experts

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Maria Cruz
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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.
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Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars.
Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
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Josh Damico
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Head Of Insurance Operations
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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.