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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.

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2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$332

$28

State Farm

$356

$30

Texas Farm Bureau

$381

$32

Allstate

$405

$34

Allstate

$416

$35

State Farm

$435

$36

Texas Farm Bureau

$439

$37

Mercury

$452

$38

AAA Texas

$485

$40

Mercury

$490

$41

Allstate

$508

$42

AAA Texas

$516

$43

Nationwide

$541

$45

Texas Farm Bureau

$561

$47

Nationwide

$568

$47

Mercury

$586

$49

Chubb

$587

$49

Progressive

$591

$49

GEICO

$594

$50

Progressive

$607

$51

AAA Texas

$622

$52

GEICO

$622

$52

State Farm

$640

$53

Chubb

$645

$54

GEICO

$681

$57

National General

$694

$58

State Farm

$700

$58

Foremost

$711

$59

Progressive

$712

$59

National General

$717

$60

Texas Farm Bureau

$755

$63

Nationwide

$765

$64

Allstate

$788

$66

Foremost

$826

$69

Allstate

$850

$71

Nationwide

$870

$72

National General

$882

$73

State Farm

$906

$75

Texas Farm Bureau

$907

$76

AAA Texas

$959

$80

AAA Texas

$962

$80

Foremost

$974

$81

Mercury

$978

$82

Dairyland

$992

$83

GEICO

$1,002

$83

GEICO

$1,016

$85

Dairyland

$1,019

$85

Mercury

$1,028

$86

Nationwide

$1,060

$88

Texas Farm Bureau

$1,118

$93

Chubb

$1,132

$94

Allstate

$1,139

$95

Chubb

$1,142

$95

GEICO

$1,191

$99

Dairyland

$1,210

$101

AAA Texas

$1,256

$105

Nationwide

$1,280

$107

Chubb

$1,309

$109

Mercury

$1,337

$111

Progressive

$1,394

$116

National General

$1,415

$118

Foremost

$1,445

$120

Progressive

$1,448

$121

Foremost

$1,542

$128

National General

$1,547

$129

National General

$1,747

$146

Dairyland

$1,804

$150

Progressive

$1,809

$151

Foremost

$1,932

$161

Dairyland

$2,022

$168

Chubb

$2,060

$172

Dairyland

$2,487

$207

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.

Company
Annual Premium
Monthly Premium

State Farm

$332

$28

State Farm

$356

$30

Texas Farm Bureau

$381

$32

Allstate

$405

$34

Allstate

$416

$35

State Farm

$435

$36

Texas Farm Bureau

$439

$37

Mercury

$452

$38

AAA Texas

$485

$40

Mercury

$490

$41

Allstate

$508

$42

AAA Texas

$516

$43

Nationwide

$541

$45

Texas Farm Bureau

$561

$47

Nationwide

$568

$47

Mercury

$586

$49

Chubb

$587

$49

Progressive

$591

$49

GEICO

$594

$50

Progressive

$607

$51

AAA Texas

$622

$52

GEICO

$622

$52

State Farm

$640

$53

Chubb

$645

$54

GEICO

$681

$57

National General

$694

$58

State Farm

$700

$58

Foremost

$711

$59

Progressive

$712

$59

National General

$717

$60

Texas Farm Bureau

$755

$63

Nationwide

$765

$64

Allstate

$788

$66

Foremost

$826

$69

Allstate

$850

$71

Nationwide

$870

$72

National General

$882

$73

State Farm

$906

$75

Texas Farm Bureau

$907

$76

AAA Texas

$959

$80

AAA Texas

$962

$80

Foremost

$974

$81

Mercury

$978

$82

Dairyland

$992

$83

GEICO

$1,002

$83

GEICO

$1,016

$85

Dairyland

$1,019

$85

Mercury

$1,028

$86

Nationwide

$1,060

$88

Texas Farm Bureau

$1,118

$93

Chubb

$1,132

$94

Allstate

$1,139

$95

Chubb

$1,142

$95

GEICO

$1,191

$99

Dairyland

$1,210

$101

AAA Texas

$1,256

$105

Nationwide

$1,280

$107

Chubb

$1,309

$109

Mercury

$1,337

$111

Progressive

$1,394

$116

National General

$1,415

$118

Foremost

$1,445

$120

Progressive

$1,448

$121

Foremost

$1,542

$128

National General

$1,547

$129

National General

$1,747

$146

Dairyland

$1,804

$150

Progressive

$1,809

$151

Foremost

$1,932

$161

Dairyland

$2,022

$168

Chubb

$2,060

$172

Dairyland

$2,487

$207

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.

Company
Annual Premium
Monthly Premium

State Farm

$332

$28

State Farm

$356

$30

Texas Farm Bureau

$381

$32

Allstate

$405

$34

Allstate

$416

$35

State Farm

$428

$36

State Farm

$435

$36

Texas Farm Bureau

$439

$37

State Farm

$455

$38

Allstate

$508

$42

State Farm

$542

$45

Texas Farm Bureau

$561

$47

Mercury

$633

$53

Chubb

$634

$53

State Farm

$640

$53

Nationwide

$642

$53

Mercury

$647

$54

AAA Texas

$652

$54

Progressive

$653

$54

State Farm

$663

$55

Nationwide

$668

$56

GEICO

$674

$56

State Farm

$689

$57

Allstate

$693

$58

AAA Texas

$694

$58

Chubb

$696

$58

State Farm

$700

$58

Texas Farm Bureau

$700

$58

GEICO

$709

$59

Progressive

$709

$59

Allstate

$712

$59

Progressive

$715

$60

AAA Texas

$733

$61

GEICO

$737

$61

Allstate

$742

$62

Texas Farm Bureau

$752

$63

Mercury

$755

$63

Texas Farm Bureau

$755

$63

Allstate

$763

$64

AAA Texas

$769

$64

Mercury

$775

$65

State Farm

$778

$65

Progressive

$780

$65

AAA Texas

$780

$65

Mercury

$786

$66

Progressive

$787

$66

Allstate

$788

$66

National General

$789

$66

Foremost

$799

$67

National General

$799

$67

State Farm

$812

$68

National General

$814

$68

Mercury

$814

$68

AAA Texas

$818

$68

GEICO

$821

$68

National General

$832

$69

AAA Texas

$836

$70

Allstate

$850

$71

Progressive

$852

$71

Foremost

$859

$72

Texas Farm Bureau

$861

$72

Allstate

$869

$72

Nationwide

$875

$73

State Farm

$876

$73

Chubb

$876

$73

GEICO

$883

$74

GEICO

$901

$75

Nationwide

$903

$75

State Farm

$906

$75

Texas Farm Bureau

$907

$76

Allstate

$931

$78

Progressive

$933

$78

Foremost

$936

$78

Nationwide

$938

$78

AAA Texas

$941

$78

Mercury

$961

$80

Chubb

$963

$80

Texas Farm Bureau

$964

$80

AAA Texas

$987

$82

Texas Farm Bureau

$997

$83

National General

$999

$83

National General

$1,002

$83

Dairyland

$1,010

$84

Foremost

$1,013

$84

Progressive

$1,034

$86

Dairyland

$1,036

$86

GEICO

$1,055

$88

GEICO

$1,056

$88

Foremost

$1,067

$89

Progressive

$1,086

$90

National General

$1,088

$91

State Farm

$1,104

$92

Texas Farm Bureau

$1,118

$93

Nationwide

$1,122

$94

Foremost

$1,127

$94

Nationwide

$1,128

$94

Mercury

$1,139

$95

National General

$1,139

$95

Allstate

$1,139

$95

Chubb

$1,147

$96

Nationwide

$1,154

$96

GEICO

$1,155

$96

Nationwide

$1,157

$96

GEICO

$1,182

$98

GEICO

$1,187

$99

Chubb

$1,222

$102

Dairyland

$1,231

$103

Chubb

$1,233

$103

Nationwide

$1,234

$103

State Farm

$1,235

$103

Mercury

$1,246

$104

Chubb

$1,260

$105

AAA Texas

$1,264

$105

AAA Texas

$1,271

$106

Allstate

$1,292

$108

State Farm

$1,299

$108

Texas Farm Bureau

$1,299

$108

National General

$1,304

$109

Dairyland

$1,313

$109

GEICO

$1,319

$110

Texas Farm Bureau

$1,333

$111

Mercury

$1,341

$112

Nationwide

$1,347

$112

Allstate

$1,368

$114

Allstate

$1,372

$114

AAA Texas

$1,407

$117

Dairyland

$1,408

$117

Mercury

$1,410

$117

Chubb

$1,415

$118

AAA Texas

$1,417

$118

GEICO

$1,435

$120

Allstate

$1,447

$121

Nationwide

$1,455

$121

Dairyland

$1,465

$122

GEICO

$1,467

$122

AAA Texas

$1,470

$122

Nationwide

$1,474

$123

AAA Texas

$1,482

$123

Dairyland

$1,499

$125

Mercury

$1,519

$127

Texas Farm Bureau

$1,520

$127

State Farm

$1,527

$127

Texas Farm Bureau

$1,530

$128

Nationwide

$1,574

$131

GEICO

$1,596

$133

Dairyland

$1,597

$133

Progressive

$1,632

$136

National General

$1,646

$137

Foremost

$1,649

$137

Progressive

$1,655

$138

AAA Texas

$1,660

$138

Mercury

$1,672

$139

Chubb

$1,691

$141

Chubb

$1,707

$142

Mercury

$1,712

$143

Dairyland

$1,738

$145

National General

$1,755

$146

Foremost

$1,758

$146

Foremost

$1,767

$147

Foremost

$1,770

$148

Progressive

$1,775

$148

Mercury

$1,782

$148

GEICO

$1,803

$150

Progressive

$1,807

$151

Texas Farm Bureau

$1,814

$151

Nationwide

$1,821

$152

Dairyland

$1,822

$152

Allstate

$1,840

$153

National General

$1,841

$153

AAA Texas

$1,850

$154

National General

$1,859

$155

GEICO

$1,876

$156

GEICO

$1,887

$157

Texas Farm Bureau

$1,892

$158

Foremost

$1,910

$159

Nationwide

$1,921

$160

AAA Texas

$1,934

$161

Allstate

$1,943

$162

Chubb

$1,958

$163

National General

$1,979

$165

Progressive

$2,009

$167

Nationwide

$2,014

$168

Mercury

$2,019

$168

Dairyland

$2,040

$170

Foremost

$2,095

$175

Foremost

$2,142

$178

Progressive

$2,155

$180

National General

$2,190

$182

Foremost

$2,198

$183

Chubb

$2,215

$185

Chubb

$2,226

$186

Chubb

$2,235

$186

Progressive

$2,259

$188

Foremost

$2,260

$188

National General

$2,271

$189

Texas Farm Bureau

$2,288

$191

Progressive

$2,346

$196

Nationwide

$2,396

$200

Dairyland

$2,453

$204

Dairyland

$2,467

$206

National General

$2,470

$206

Mercury

$2,484

$207

Mercury

$2,486

$207

Dairyland

$2,509

$209

National General

$2,523

$210

Chubb

$2,563

$214

Progressive

$2,676

$223

Dairyland

$2,784

$232

Dairyland

$2,827

$236

Dairyland

$2,899

$242

Chubb

$3,082

$257

Dairyland

$3,144

$262

Foremost

$3,314

$276

Foremost

$3,854

$321

Foremost

$3,934

$328

Chubb

$4,036

$336

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$640

$3,048

State Farm

$745

$3,551

State Farm

$765

$4,146

State Farm

$803

$3,826

Nationwide

$996

$2,257

Nationwide

$1,007

$2,428

Nationwide

$1,052

$3,029

State Farm

$1,069

$3,662

Nationwide

$1,115

$3,479

Nationwide

$1,121

$2,540

Nationwide

$1,137

$2,836

State Farm

$1,171

$4,390

Nationwide

$1,182

$2,678

Nationwide

$1,191

$2,870

State Farm

$1,201

$4,112

Nationwide

$1,202

$3,245

Nationwide

$1,263

$3,043

State Farm

$1,268

$5,072

State Farm

$1,321

$4,523

State Farm

$1,405

$6,055

Nationwide

$1,414

$4,936

State Farm

$1,430

$5,362

Nationwide

$1,443

$5,803

State Farm

$1,468

$5,583

Nationwide

$1,475

$4,247

Nationwide

$1,518

$6,274

Allstate

$1,545

$2,072

Nationwide

$1,550

$6,234

Nationwide

$1,600

$6,314

State Farm

$1,616

$6,874

GEICO

$1,636

$3,045

Nationwide

$1,644

$7,345

GEICO

$1,653

$3,674

GEICO

$1,657

$2,933

Nationwide

$1,661

$5,182

Allstate

$1,664

$2,135

GEICO

$1,676

$3,120

GEICO

$1,680

$2,975

GEICO

$1,691

$3,672

GEICO

$1,716

$3,353

Nationwide

$1,730

$7,946

State Farm

$1,746

$7,652

GEICO

$1,750

$3,257

GEICO

$1,752

$3,363

State Farm

$1,759

$6,691

Nationwide

$1,768

$7,896

GEICO

$1,772

$3,138

State Farm

$1,796

$7,640

State Farm

$1,800

$8,460

Allstate

$1,874

$2,512

Allstate

$1,904

$2,948

GEICO

$1,941

$4,921

State Farm

$1,955

$8,593

GEICO

$1,958

$4,353

Progressive

$1,963

$3,036

Allstate

$1,998

$2,679

GEICO

$2,015

$5,011

Progressive

$2,041

$4,974

Progressive

$2,043

$3,003

GEICO

$2,047

$4,444

GEICO

$2,106

$5,887

Foremost

$2,129

$3,503

State Farm

$2,170

$9,538

State Farm

$2,177

$10,574

Allstate

$2,186

$2,805

Foremost

$2,189

$3,014

GEICO

$2,194

$6,053

Progressive

$2,219

$5,385

Allstate

$2,233

$3,431

Allstate

$2,257

$3,345

Foremost

$2,294

$3,160

Foremost

$2,304

$3,316

Foremost

$2,325

$3,201

Progressive

$2,330

$3,424

GEICO

$2,348

$6,563

Foremost

$2,352

$3,988

Foremost

$2,377

$3,164

Progressive

$2,378

$3,678

Allstate

$2,408

$3,090

GEICO

$2,412

$7,779

Progressive

$2,440

$6,752

Progressive

$2,459

$4,310

GEICO

$2,484

$6,854

Progressive

$2,497

$4,661

Progressive

$2,508

$6,113

Progressive

$2,531

$3,720

GEICO

$2,553

$8,222

Foremost

$2,555

$3,401

Foremost

$2,603

$3,750

Progressive

$2,631

$4,069

Allstate

$2,639

$3,908

Foremost

$2,665

$3,547

Progressive

$2,763

$7,707

Foremost

$2,810

$9,353

Foremost

$2,890

$9,479

Progressive

$2,893

$7,022

Foremost

$2,929

$9,750

Allstate

$3,001

$5,415

Foremost

$3,041

$9,973

Allstate

$3,091

$4,581

Progressive

$3,100

$13,859

Foremost

$3,117

$6,091

Foremost

$3,147

$6,170

Foremost

$3,316

$14,012

Progressive

$3,450

$15,554

Foremost

$3,450

$5,850

Foremost

$3,454

$14,537

Progressive

$3,464

$16,155

Foremost

$3,518

$5,788

Allstate

$3,540

$6,411

Allstate

$3,653

$5,410

Progressive

$3,679

$16,446

Progressive

$3,811

$17,833

Progressive

$4,026

$18,150

Allstate

$4,593

$6,526

Allstate

$5,400

$7,687

Allstate

$5,624

$7,991

Allstate

$6,090

$11,442

Allstate

$6,612

$9,413

Allstate

$7,167

$13,507

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.

Company
Annual Premium
Monthly Premium

State Farm

$332

$28

State Farm

$356

$30

Texas Farm Bureau

$381

$32

Allstate

$405

$34

USAA

$406

$34

Allstate

$416

$35

USAA

$432

$36

State Farm

$435

$36

Texas Farm Bureau

$439

$37

Mercury

$452

$38

AAA Texas

$485

$40

USAA

$488

$41

Mercury

$490

$41

Allstate

$508

$42

AAA Texas

$516

$43

Nationwide

$541

$45

Texas Farm Bureau

$561

$47

Nationwide

$568

$47

Mercury

$586

$49

Chubb

$587

$49

Progressive

$591

$49

GEICO

$594

$50

Progressive

$607

$51

AAA Texas

$622

$52

GEICO

$622

$52

State Farm

$640

$53

Chubb

$645

$54

GEICO

$681

$57

National General

$694

$58

State Farm

$700

$58

Foremost

$711

$59

Progressive

$712

$59

National General

$717

$60

Texas Farm Bureau

$755

$63

Nationwide

$765

$64

Allstate

$788

$66

Foremost

$826

$69

Allstate

$850

$71

USAA

$853

$71

USAA

$864

$72

Nationwide

$870

$72

National General

$882

$73

State Farm

$906

$75

Texas Farm Bureau

$907

$76

AAA Texas

$959

$80

AAA Texas

$962

$80

Foremost

$974

$81

Mercury

$978

$82

Dairyland

$992

$83

GEICO

$1,002

$83

GEICO

$1,016

$85

Dairyland

$1,019

$85

Mercury

$1,028

$86

USAA

$1,050

$88

Nationwide

$1,060

$88

Texas Farm Bureau

$1,118

$93

Chubb

$1,132

$94

Allstate

$1,139

$95

Chubb

$1,142

$95

GEICO

$1,191

$99

Dairyland

$1,210

$101

AAA Texas

$1,256

$105

Nationwide

$1,280

$107

Chubb

$1,309

$109

Mercury

$1,337

$111

Progressive

$1,394

$116

National General

$1,415

$118

Foremost

$1,445

$120

Progressive

$1,448

$121

Foremost

$1,542

$128

National General

$1,547

$129

National General

$1,747

$146

Dairyland

$1,804

$150

Progressive

$1,809

$151

Foremost

$1,932

$161

Dairyland

$2,022

$168

Chubb

$2,060

$172

Dairyland

$2,487

$207

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.

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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?

Texas Farm Bureau

pros

Best customer satisfaction and third-best affordability scores

Offers roadside assistance and rental car or travel reimbursement coverage

cons

Average claims rating

Lacks many standard coverages

No unique add-on coverages

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

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?

Chubb

pros

Offers the best claims experience

Ranks highly for customer satisfaction

Has diminished value, OEM coverage and classic car insurance

cons

No roadside assistance, accident forgiveness, gap insurance or deductible modification coverage options

COMPANY HIGHLIGHTS

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?

State Farm

pros

Minimum coverage costs $356 per year

Airbag, bundling and new vehicle discounts

Above average customer satisfaction score

cons

Below-average claims rating

No discount for paperless or full payments

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's State Farm Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.