Although State Farm is the cheapest company, you may find more affordable coverage elsewhere, depending on your driving background and preferences.
For example, Nationwide is often the most affordable carrier for teen and student drivers. At the same time, Texas Farm Bureau Group offers the lowest rates if you have a speeding ticket or want to balance cost and great customer service.
Cheapest and Best Car Insurance in Frisco, TX
Cheapest Minimum Liability Car Insurance in Frisco
Based on our review of average minimum coverage costs, the most affordable auto insurance companies in Frisco are:
- State Farm: $356 per year
- Allstate: $405 per year
National General’s minimum coverage costs the most at an average of $717 per year. State Farm is also the most affordable auto insurance provider across Texas as of October 2022. Average rates for Frisco are higher than the state average by about $56 per year, as location affects the price.
Frisco's minimum coverage car insurance policies follow Texas’ liability and property damage requirements.
Your policy should have the following limits:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage per accident
The insurer should cover up to $30,000 in medical costs for each person injured in an accident where you're at fault. Regardless of how many people are injured, they don't have to pay more than $60,000 for that accident. They also must pay up to $25,000 for damaged property. For additional protection, you need to purchase comprehensive coverage.
Cheapest Full Coverage Car Insurance in Frisco
The companies with the cheapest full coverage car insurance in Frisco are:
- State Farm: $700 per year
- Allstate: $850 per year
At an average of about $1,448 per year, Progressive is the city's most expensive full coverage car insurance provider.
The most affordable insurer in Frisco, State Farm, is also the cheapest in Texas as of October 2022. But the state’s average is $711, just a tiny bit more than Frisco’s cost.
Full coverage car insurance includes comprehensive and collision coverage.
- Comprehensive insurance covers repair or replacement costs for your car if it's damaged by theft, vandalism, harsh weather and other covered non-accident occurrences.
- Collision insurance pays to repair or replace your car if you collide with a vehicle or object.
Frisco residents with older vehicles and safe driving records may want to consider minimum coverage. Full-coverage policies are much more expensive than minimum coverage options, and the cost of the coverage and the value of the vehicle may not even out.
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Cheapest Car Insurance in Frisco After a Driving Offense
Frisco drivers with full coverage and traffic violations may find the lowest premiums from:
- Speeding ticket: Texas Farm Bureau Group ($1,191 per year)
- At-fault accident: State Farm ($876 per year)
- DUI: State Farm ($1,299 per year)
National General has the priciest insurance for drivers with at-fault accidents ($2,190) and speeding tickets ($1,841). Nationwide is the most expensive if you have a DUI ($1,921).
Generally, auto insurance rates for people with driving violations are much higher than rates for those with clean records — regardless of the company used.
If you have a serious violation on your record, you'll pay a higher auto insurance premium than a driver who doesn't.
You can find the cheapest auto insurance for a bad driving record by researching different insurers’ averages for offenses. For instance, you'll pay about $1,921 for the cheapest policy after a speeding ticket. The city's lowest average rate for a DUI is about $1,299. You may also need to file an SR-22, which comes with additional costs.
Cheapest Car Insurance in Frisco for Teens and Their Families
The cheapest auto insurance companies in Frisco for teens on a family policy with full coverage are:
- Nationwide: $1,518 per year for female teens; $1,730 per year for male teens
- State Farm: $1,800 per year for female teens; $2,177 per year for male teens
On average, male teens pay around $215 more for the cheapest coverage than female teens. This is because insurers consider male teens more high risk than female teens. But that gap disappears with age.
Allstate is the most expensive for Frisco teen drivers on a family policy. Female teens pay about $6,090 annually with that insurer, while males pay $7,167.
Typically, teen drivers should be put on family plans rather than individual ones because individual options cost way more. For example, a 16-year-old male driver in Frisco may pay $7,077 on an individual policy, $3,267 more than the average family premium.
So, to get the cheapest car insurance for teens, parents should consider adding them to their policies in Frisco. In addition, teens who engage in safe driving or complete a driver's education course may lower their rates.
Cheapest Car Insurance in Frisco for Military Drivers
Our evaluation of the cheapest car insurance providers for military members shows that the top two options in Frisco are:
- State Farm: $987 per year
- Allstate: $1,073 per year
USAA provides the third-cheapest coverage for military members and customizes its policies to the driving profiles of military members and their families.
State Farm is also the most affordable if you opt for a minimum coverage policy, costing an average of $356 per year.
How to Compare Cheap Frisco Car Insurance Quotes Online
Obtaining a car insurance quote online means providing your personal, contact and financial information. Seeing even one quote can take at least 15 minutes; three quotes are recommended to get an idea of costs and coverage.
You can use MoneyGeek's calculator to compare offers from different companies with a single click. Our calculator helps you estimate rates based on less personal factors like your driving history, age, coverage level and the type of vehicle.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Frisco: Summary
The best auto insurance for you depends on your background and needs.
According to our ranking system, the top car insurance providers in Frisco, Texas, are:
- Best overall: Texas Farm Bureau Group (MoneyGeek score 76 out of 100)
- Best for Service: Chubb (MoneyGeek score 76 out of 100)
- Best cheap: State Farm (MoneyGeek score 78 out of 100)
MoneyGeek’s total score for an insurer may vary based on how the weights change for each driving profile. Regardless, Texas’ overall best auto insurance provider is also the top for Frisco, scoring 79 out of 100.
Drivers with a military background may also opt for coverage from USAA, with a MoneyGeek score of 81 out of 100.
Best Overall Car Insurance in Frisco
The best auto insurance providers in Frisco for a full coverage policy are:
- Texas Farm Bureau Group: MoneyGeek score 76 out of 100 ($907 per year)
- State Farm: MoneyGeek score 76 out of 100 ($700 per year)
Texas Farm Bureau Group had the best overall score for customer satisfaction and the third-best score on affordability compared to 11 other insurers.
If you have a military background, USAA is the best car insurance provider in Frisco, with an average annual premium of $864 and a MoneyGeek score of 81 out of 100.
How was this MoneyGeek score calculated?
Best customer satisfaction and third-best affordability scores
Offers roadside assistance and rental car or travel reimbursement coverage
Average claims rating
Lacks many standard coverages
No unique add-on coverages
Texas Farm Bureau Group is our pick for Frisco's best overall insurer. It balances customer satisfaction, affordability and some essential add-on coverage options.
The company's excellent customer satisfaction rating implies that Texas Farm Bureau will likely address issues quickly.
Texas Farm Bureau offers rental reimbursement coverage for rental car expenses if your vehicle gets repaired after covered damage. However, this add-on insurance is only available with comprehensive and collision coverage.
Policyholders may also buy roadside assistance coverage. It helps cover costs associated with mechanical and electrical failures leaving you stranded. These costs include towing, locksmith services, fuel delivery and flat tire repairs.
Best Car Insurance in Frisco for Customer Service
If we ignore costs entirely, the best auto insurance options for customer service in Frisco are:
- Chubb: MoneyGeek score 76 out of 100 ($1,309 per year)
- Foremost: MoneyGeek score 67 out of 100 ($1,445 per year)
Chubb offers the best claims experience to most drivers in the city. It also ranked second-best on the customer satisfaction scale.
Although the insurer ranks highly on customer service, its premiums are average compared to the 11 companies analyzed by MoneyGeek.
How was this MoneyGeek score calculated?
Offers the best claims experience
Ranks highly for customer satisfaction
Has diminished value, OEM coverage and classic car insurance
No roadside assistance, accident forgiveness, gap insurance or deductible modification coverage options
According to the National Association of Insurance Commissioners and J.D. Power’s scores, Chubb offers the best customer service in Frisco. But it lacks some essential coverage options.
Chubb’s diminished value coverage pays the equivalent of your car’s value when your policy was written if it’s totaled or stolen.
The insurer also offers classic car insurance vehicles aged 30 years or older. This car must be used for hobby purposes or garaged.
Chubb also offers reimbursement of up to $5,000 to help you rent a car after a covered accident. However, the company offers no roadside assistance, accident forgiveness or other common coverages.
Best Cheap Car Insurance Companies in Frisco
Based on service quality and affordability for minimum coverage car insurance policies, we found the top providers in Frisco are:
- State Farm: MoneyGeek score 78 out of 100 ($356 per year)
- Texas Farm Bureau Group: MoneyGeek score 76 out of 100 ($439 per year)
But you may get what you pay for with the cheapest car insurance in Frisco. Minimum coverage policies pay for very little, particularly regarding you, your passengers and your vehicle. Upgrading may be a good idea if you have a high-value car or drive in an area with poor drivers.
How was this MoneyGeek score calculated?
Minimum coverage costs $356 per year
Airbag, bundling and new vehicle discounts
Above average customer satisfaction score
Below-average claims rating
No discount for paperless or full payments
State Farm offers the cheapest minimum coverage in Frisco, earning a perfect affordability score on our ranking system. In addition, the insurer ranked above average in service quality.
It also has a large number of common auto insurance discounts. For instance, policyholders can reduce their premiums by bundling auto insurance with renters, home, life or condo insurance.
State Farm may lower costs for those who maintain a good record for three consecutive years while insured with them. It also has discounts for students with a B average, a 3.0 GPA or those in the top 20% of their class.
You could even find rare markdowns, like those for daytime running lights, new vehicles and anti-lock brakes.
Average Cost of Car Insurance in Frisco
MoneyGeek found the average annual cost of auto insurance in Frisco for a full coverage policy is $1,159 as of October 2022. That’s about $42 lower than the Texas average annual cost of auto insurance and $106 lower than the national average.
These rates represent a full coverage auto insurance policy with limits of $100,000 for bodily injury per person up to $300,000 per accident and $100,000 for property damage per accident.
Texas car insurance is less expensive than the national average to begin with. Friso and other less populated areas may have even lower rates. But your costs depend on your unique situation as much as — if not more than — your location.
About Mark Fitzpatrick