Updated: December 17, 2025
Advertising & Editorial Disclosure
State Farm: Cheapest across most driver profiles. At $47 monthly for minimum coverage and $102 for full coverage, State Farm saves drivers 44% compared to Frisco's average.
AAA: Second cheapest at $68 monthly minimum and $135 full coverage. It's affordable for higher-risk driver categories.
GEICO: Third cheapest at $73 monthly minimum and $139 full coverage, with rates 21% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Frisco:
State Farm offers the cheapest minimum coverage at $48 monthly, while AAA is the second cheapest at $68. For full coverage, State Farm stays the cheapest at $103 monthly, with AAA second at $135. Both save you over 24% compared to Frisco's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| State Farm | $48 | $103 | -44% |
| AAA | $68 | $135 | -24% |
| Geico | $73 | $139 | -21% |
| Mercury Insurance | $73 | $154 | -16% |
| Germania Insurance | $86 | $166 | -6% |
Not in Frisco? Read more about the cheapest car insurance in Texas or the best car insurance in Texas.
Teens and drivers in their early 20s pay the highest rates due to inexperience. State Farm offers the cheapest full coverage at $237 monthly. GEICO charges $258, and AAA costs $314.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| State Farm | $237 | $2,839 | -42% |
| Geico | $258 | $3,094 | -37% |
| AAA | $314 | $3,766 | -23% |
| Germania Insurance | $329 | $3,942 | -20% |
| Allstate | $409 | $4,911 | 0% |
Senior drivers in Frisco pay lower rates than most age groups. State Farm charges the least at $118 monthly for full coverage. GEICO costs $171, and Germania charges $175. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older.
| State Farm | $118 | $1,413 | -46% |
| Geico | $171 | $2,050 | -22% |
| Germania Insurance | $175 | $2,096 | -20% |
| AAA | $178 | $2,142 | -19% |
| Progressive | $204 | $2,453 | -7% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $57 monthly for minimum coverage, compared to Germania's $88. For speeding tickets, State Farm costs $48 a month, and GEICO charges $84. State Farm offers the best DUI rates at $78 monthly, with Farmers at $97.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $57 | -54% |
| At-Fault Accident | Germania Insurance | $88 | -29% |
| DUI | State Farm | $78 | -42% |
| DUI | Farmers | $97 | -28% |
| Speeding Ticket | State Farm | $48 | -53% |
| Speeding Ticket | Geico | $84 | -18% |
Frisco rates span from $152 to $194 monthly for full coverage, depending on your ZIP code. High-risk areas like 75034 cost $194. Safer neighborhoods like 75033 cost $152.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Theft rates, traffic density and accident frequency create a $42 monthly gap between Frisco's most and least expensive ZIP codes.
| 75034 | $194 |
| 75035 | $193 |
| 75036 | $153 |
| 75033 | $152 |
| 75033 | $152 |
| 75036 | $153 |
| 75035 | $193 |
| 75034 | $194 |
State Farm leads Frisco's insurance market with a MoneyGeek score of 95 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
AAA, Progressive, Mercury and GEICO are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| AAA | 90 | 2 | 4 | 6 |
| Progressive | 89 | 6 | 2 | 2 |
| Mercury Insurance | 89 | 4 | 5 | 4 |
| Geico | 89 | 3 | 6 | 6 |
Cheapest rates across all driver profiles
Full coverage rates 44% below city average
4.5 out of 5 customer service rating
No usage-based policies for low-mileage drivers
Claims processing delays reported by customers
Limited coverage flexibility compared to competitors
State Farm ranks first in Frisco with the lowest rates across all driver profiles and a 4.5 out of 5 customer service rating. It charges full coverage rates 44% below the city average and provides 24/7 digital support through its mobile app and local agents.
State Farm handles hurricane season with comprehensive coverage for wind, rain and flooding damage. Its Accident Forgiveness Program and Drive Safe & Save discounts provide additional value.
Second cheapest rates across most profiles
Competitive pricing for young and senior drivers
Roadside assistance included with all policies
Requires AAA membership to purchase insurance
Limited coverage options compared to competitors
Inconsistent roadside assistance service quality
AAA ranks second in Frisco with competitive rates for young and senior drivers and strong customer service scores. It provides 24/7 support through its claims hotline and digital tools.
AAA handles Frisco's seasonal storms with comprehensive coverage and roadside assistance. Its Texas-specific coverage options and immediate accident assistance help drivers with traffic situations and weather-related incidents.
Frisco drivers pay elevated car insurance rates. Finding affordable coverage requires comparing quotes from multiple insurers.
Bundle auto with home or renters (15% to 25% off). Add multi-car discounts (10% to 25% per vehicle). Combine good driver, paperless billing and automatic payment for 30% to 40% total savings.
Move from $500 to $1,000 and save 10% to 15% annually. Choose only what you can afford in cash.
Rates change yearly as companies adjust for Frisco's risk profile. Your driving record improves after three years, unlocking lower rates.
Our Frisco FAQ answers common questions about finding affordable coverage that fits your budget and protection needs.
Frisco car insurance is moderately expensive. It costs $173 a month for full coverage. The most expensive location in Texas costs $225 per month, and the cheapest costs $48.
Finding affordable car insurance in Frisco starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Texas' insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 75034 often pay much more than those in 75033.
We partnered with the Texas Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Frisco ZIP code.
Our ratings for the best car insurance in Frisco are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Frisco neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
