Compare the Cheapest Car Insurance Quotes in Frisco, TX

In Frisco, the average car insurance policy costs $1,219 yearly, which is $97 lower than the Texas state average. MoneyGeek rated the insurers based on various coverage levels and driver profiles. Farmers is the cheapest insurer in Frisco, with average annual rates of $762. MoneyGeek also ranked the best insurers to help those focusing on quality and affordability find a suitable option.

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Last Updated: 5/16/2022
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In Frisco, Farmers offers the cheapest full coverage car insurance and the cheapest state minimum policy, while State Farm provides the most affordable policy for drivers with a speeding ticket. If you are a member of the military, USAA is another affordable option.

GEICO scored highest on MoneyGeek’s survey of the best insurance companies balancing good customer service with affordability.

iconribbonbestauto insuranceFrisco2022

The Cheapest and Best Car Insurance in Frisco

The Cheapest Car Insurance Companies in Frisco

When it comes to full coverage policies, the cheapest insurance companies in Frisco are:

  • Farmers: $762 per year
  • State Farm: $866 per year

USAA is the second cheapest option in Frisco for drivers with military credentials at $819 per year. The General has the most expensive full coverage car insurance with annual premiums 204.5% higher than Farmers.

Full coverage policy typically includes comprehensive and collision insurance in addition to liability insurance.

Cheapest Car Insurance in Frisco
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Farmers
    $762
  • 2.
    USAA
    $819
  • 3.
    State Farm
    $866
  • 4.
    GEICO
    $907
  • 5.
    AAA
    $983
  • 6.
    Esurance
    $1,079
  • 7.
    Allstate
    $1,105
  • 8.
    Nationwide
    $1,161
  • 9.
    Mercury
    $1,428
  • 10.
    MetLife
    $1,578
  • 11.
    The General
    $2,320

This analysis is based on MoneyGeek’s methodology that included compiling costs for full coverage policies from multiple insurance companies in Frisco for a 40-year-old male driver.

Although a full coverage policy is not mandated by state law, if you have financed or leased your vehicle, you may be required to include comprehensive and collision coverage by your lender. Lenders do this to protect the car in case of damage.

  • Comprehensive Insurance: This insurance pays for damage to your vehicle even if it was not involved in an accident, such as acts of vandalism or a tree falling on your car.
  • Collision Insurance: Collision insurance covers damages that may occur when you hit another vehicle or a stationary object.

A full-coverage policy is recommended if you have a new car. If your vehicle is an older model, choosing a state minimum policy will save you on premiums.

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Cheapest Car Insurance in Frisco for Minimum Coverage

A minimum coverage policy is the cheapest auto insurance option in Frisco, and it also meets the state’s minimum insurance requirements. The top two insurers for state minimum liability-only insurance are:

  • Farmers: $412 per year
  • State Farm: $479 per year

For drivers in the military and their families, USAA offers the most affordable option at $408 per year. The General is the most expensive insurer in Frisco, with a quote that’s $773 more than Farmers.

Although opting for a minimum coverage policy lowers your annual insurance premiums, you may not have sufficient coverage in an accident. These policies do not have comprehensive or collision insurance, and the liability limits are low.

You can increase your liability limits for added protection. The table below shows how much you may have to pay for higher liability limits.

Cheapest Minimum Liability Car Insurance in Frisco
State Minimum

A state minimum policy of 30/60/25 as required in Texas can lead to significant out-of-pocket expenses if you are involved in an accident. That’s because the levels of liability are relatively low.

For instance, if you are in an at-fault accident in which the other driver incurs $40,000 in medical expenses, your insurer will pay $30,000 of that, and you’ll be responsible for the rest.

Texas Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Frisco if You Have Driving Violations

Speeding tickets, at-fault accidents, DUIs and other driving violations usually lead to increased insurance premiums. The best cheap car insurance companies for drivers with a bad driving record in Frisco are:

  • Cheapest after a ticket: State Farm, $866 per year
  • Cheapest after an at-fault accident: State Farm, $1,055 per year
  • Cheapest after a DUI: Esurance, $1,079 per year

By improving your record over time, your premiums will decrease. In the meantime, it’s a good move to compare quotes from a number of insurance companies to see if you can find a lower rate even with violations on your driving record.

Cheapest Car Insurance in Frisco With a Violation
Speeding Ticket

Average Cost of Car Insurance in Frisco

Frisco$1,219
Texas$1,316
U.S.$1,424

The average annual cost of car insurance in Frisco is $1,219. Drivers from the city pay 7.4% less than the average annual rate in Texas at $1,316. The cost of auto insurance in Frisco is also less than the average yearly rate in the United States by 14.4%. Drivers may pay more or less than the city’s average based on factors like age, driving history and neighborhood of residence.

Personalized Quotes to Get You the Cheapest Car Insurance in Frisco

Auto insurance companies consider the individual circumstances of each driver when determining annual premiums. Factors such as coverage level, car model and ZIP code play a role in these calculations. Rates can also fluctuate over time. Be sure to compare car insurance quotes from various providers regularly to find the best rates and see if you qualify for discounts, rebates and other special offers.

Compare Car Insurance Rates in Frisco

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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The Best Car Insurance Companies in Frisco

The top two companies in Frisco that offer affordable car insurance as well as quality customer service based on MoneyGeeks’ analysis are:

  • GEICO: MoneyGeek score of 85 out of 100
  • State Farm: MoneyGeek score of 85 out of 100

USAA scored highest on our analysis with 100 out of 100 and is thus the best option for current or former members of the armed forces and their families.

MoneyGeek ranked these car insurance companies using several factors, such as insurer financial stability, customer satisfaction and affordability. We used multiple resources to perform this study, including findings by data analytics and consumer intelligence company J. D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
GEICO
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

3
State Farm
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Auto Club of Southern California Insurance Group
Score:85

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
Allstate
Score:80

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

6
Progressive
Score:80

3/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

7
Nationwide
Score:80

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
Liberty Mutual
Score:72.5

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

Average Cost of Car Insurance by Postal Code

Your car insurance rates may be more or less than the city’s average, depending on where you live in Frisco. Car insurance companies consider factors like the number of car thefts, accidents and other similar circumstances in an area when calculating premiums for each driver.

There is a difference of about $19 in auto insurance rates between the cheapest and most expensive Frisco neighborhoods. A driver living in the 75035 ZIP code pays $1,209, while someone living in 75034 — the more expensive of the two areas — spends an average of $1,228.

  • Zip Code
    State Minimumper year
  • 75035
    $1,209
  • 75034
    $1,228

Factors That Impact Insurance Costs in Frisco

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Frisco. How Frisco ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities290th/300
handcuffs2 icon
Most Car Thefts144th/300
uninsured icon
Most Uninsured Motorists by State16th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall142nd/300
umbrella icon
Most Rainy Days190th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Frisco are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.