State Farm offers the lowest car insurance rates in Frisco, with average annual premiums of $573 for minimum coverage and $1,236 for full coverage. AAA, GEICO and Mercury also provide affordable coverage in the city.
Car Insurance in Frisco
Updated: September 3, 2025
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Key Takeaways
Frisco's cheapest car insurance companies are State Farm, AAA and GEICO, with savings up to 44% compared to the city average.
In Frisco, monthly car insurance costs average $173 for full coverage and $81 for minimum coverage.
To get the best cheap auto insurance in Frisco, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Frisco?
| State Farm | $48 | $103 | -44% |
| AAA | $68 | $135 | -24% |
| GEICO | $73 | $139 | -21% |
| Mercury | $73 | $154 | -16% |
| Germania | $86 | $166 | -6% |
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Cheapest Frisco Car Insurance by Category
State Farm ranks cheapest for eight driver categories in Frisco. GEICO offers the most affordable rates for drivers with bad credit.
| Young Drivers | State Farm | $111 |
| Adult Drivers | State Farm | $48 |
| Senior Drivers | State Farm | $56 |
| Drivers With an Accident | State Farm | $57 |
| Drivers With a DUI | State Farm | $78 |
| Drivers With a Speeding Ticket | State Farm | $48 |
| Drivers With Bad Credit | GEICO | $105 |
| Drivers With Newer Cars | State Farm | $66 |
| Drivers With Old Cars | State Farm | $43 |
Compare the Cheapest Frisco Car Insurance for You
Your car insurance rates depend heavily on your driving record, age and other personal factors. Find the cheapest insurance companies for your specific profile in the table below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| State Farm | $48 | $573 | -45% |
| AAA | $68 | $822 | -21% |
| Geico | $73 | $871 | -16% |
| Mercury Insurance | $73 | $872 | -16% |
| Farmers | $86 | $1,033 | 0% |
Best Car Insurance Companies in Frisco
The top car insurance companies in Frisco are State Farm, AAA, Progressive and Mercury. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| State Farm | 95 | 1 | 3 | 6 |
| AAA | 90 | 2 | 4 | 6 |
| Progressive | 89 | 6 | 2 | 2 |
| Mercury | 89 | 4 | 5 | 4 |
| GEICO | 89 | 3 | 6 | 6 |
State Farm: Best Overall Value
pros
Most affordable rates in Frisco
Strong customer service ratings
Excellent choice for most drivers
cons
Limited add-on coverage options
Higher rates for bad credit drivers
COMPANY HIGHLIGHTS
State Farm ranks as Frisco's top car insurance provider, offering excellent value across multiple driver categories. The company stands out with rates well below the city average, making it particularly appealing for budget-conscious drivers. State Farm excels in customer service and proves most affordable for young drivers, seniors, and those with driving incidents. Their straightforward approach and reliable claims process make them a solid choice for most Frisco residents.
AAA: Best for Customer Service
pros
Competitive rates for most drivers
Quality customer support
Reliable claims process
cons
Limited coverage customization options
Membership required for coverage
COMPANY HIGHLIGHTS
AAA earns Frisco's second-best ranking through its combination of competitive rates and quality service. Their premiums stay below the city average while maintaining high customer satisfaction standards. AAA's strong point is their reliable claims handling and responsive customer support team. While membership requirements add an extra step, their overall service quality and competitive pricing make them worth considering for Frisco drivers seeking dependable coverage.
How Much Is Car Insurance in Frisco?
In Frisco, minimum coverage costs about $81 per month or $978 per year, ranking 1429th out of all Texas cities for affordability. Full coverage averages $173 monthly or $2,078 annually, ranking 1406th among Texas cities.
| Full Coverage | $173 | $2,078 |
| Minimum Coverage | $81 | $978 |
Frisco Car Insurance Cost by Category
In Frisco, monthly coverage costs vary from $74 to $395 depending on the driver profile. Check the table below to see rates for your category.
| Young Drivers | $194 | $386 |
| Adult Drivers | $81 | $173 |
| Senior Drivers | $107 | $209 |
| Drivers With an Accident | $117 | $244 |
| Drivers With a DUI | $129 | $259 |
| Drivers With a Speeding Ticket | $97 | $207 |
| Drivers With Bad Credit | $181 | $395 |
| Drivers With Newer Cars | $100 | $214 |
| Drivers With Old Cars | $74 | $157 |
Frisco Car Insurance Costs by ZIP Code
In Frisco, car insurance rates by ZIP code range from $66 to $194 per month. ZIP code 75034 is the most expensive, while 75033 is the cheapest. Check the average rates for your ZIP code below.
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ZIP Code:75033
| 75033 | $66 | $152 |
Compare Personalized Frisco Car Insurance Costs
While average rates by ZIP code and coverage type provide a starting point, this table shows Frisco car insurance costs filtered by your specific combination of age, driving record and other key factors.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Gender:Male
Select
Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $85 | $1,022 | 26% |
How to Get the Best Cheap Frisco Car Insurance
Finding affordable car insurance in Frisco can be challenging with the area's high rates and complex coverage options. Our step-by-step guide will show you how to secure better coverage while keeping your monthly premiums low.
- 1
Calculate your coverage needs first
Start by determining how much coverage you actually need for your situation in Frisco. Use our car insurance coverage needs calculator to get a personalized recommendation. Consider your car's value, your assets, and your comfort level with risk when making this decision.
- 2
Explore different coverage types
Look into various types of car insurance that could save you money. If you drive less than average, consider pay-per-mile insurance. Don't own a car? A non-owner policy might be your best bet.
- 3
Know what others pay
Research average vehicle insurance costs in Frisco to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Remember that your personal factors like driving history and credit score affect your rates.
- 4
Stack up available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts. Safe driver, good student, and professional organization memberships can also lower your rates.
- 5
Check company ratings and reviews
Research insurance companies' financial strength and customer service ratings. Look for insurers with strong records in claim handling and customer support in Texas. Read recent reviews from other Frisco drivers to understand real customer experiences.
- 6
Get quotes from multiple providers
Contact at least three different insurance companies for quotes. Use a mix of local agents, online tools, and direct carrier websites to compare rates.
- 7
Review your policy yearly
Mark your calendar to review your policy annually. Life changes like improved credit scores, safer driving records, or different cars can qualify you for better rates.
Cheapest Car Insurance in Frisco: Bottom Line
Car insurance rates in Frisco depend on your age, driving record and vehicle type. State Farm and AAA offer the lowest average premiums in the area, but compare quotes from multiple providers to find your best rate.
Cheap Frisco Car Insurance: FAQ
Find straightforward answers about affordable car insurance in Frisco. We'll help you understand coverage options and discover the best rates that fit your budget and needs.
What is the cheapest car insurance company in Frisco, Texas?
State Farm offers the lowest rates in Frisco, with average annual premiums of $573 for minimum coverage and $1,236 for full coverage. Rates vary by personal factors, so compare quotes.
Who offers the best car insurance in Frisco?
State Farm leads Frisco's car insurance providers with a MoneyGeek score of 95 out of 100, scoring 5 points higher than AAA. State Farm excels in both affordability and customer service quality.
What is the average cost of car insurance in Frisco?
In Frisco, drivers pay $2,078 per year for full coverage and $978 for minimum coverage auto insurance. Your actual rates will vary based on individual factors.
Is car insurance in Frisco expensive?
Car insurance in Frisco is more expensive than average, ranking 1429th for minimum coverage affordability and 1406th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Frisco, TX
To help Frisco drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Frisco Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Frisco
MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
- Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
- Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
- Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
