Cheap Quotes for Frisco, TX Car Insurance (2021)

Frisco, Texas car insurance rates average $320 a month and Texas law requires coverage of at least 30/60/25. By comparing rates from multiple Frisco, TX companies, you can find cheap Frisco car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 14, 2022

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Things to Know

  • The cheapest car insurance company in Frisco is USAA
  • Average car insurance rates in Frisco, TX after a DUI are $4,379/year
  • Average car insurance rates in Frisco, TX for senior drivers are $2,321/year

How do the Frisco, Texas monthly average car insurance rates of $320/month compare to nearby cities like El Paso car insurance rates, Corpus Christi car insurance rates, and Plano car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Frisco, TX.

We’ll cover the Texas minimum coverage requirements, Texas car insurance laws, and Frisco, TX statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Frisco, Texas companies to find the most affordable Frisco car insurance rates.

Enter your ZIP code above to find cheap Frisco, TX car insurance quotes today.

What are the minimum Frisco, TX car insurance requirements?

To meet Texas minimum car insurance coverage requirements, Frisco, TX drivers need to carry at least 30/60/25 coverage.

Minimum Required Car Insurance Coverage in Frisco, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Average Frisco, TX Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Frisco, TX you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Frisco, Texas

ZIP Code Average Annual Rates
75033 $5,623
75034 $5,689
75035 $5,597

How do age, gender, and marital status affect Frisco, TX car insurance rates?

Three of the criteria that most affect car insurance rates in Frisco, Texas are age, gender, and marital status. Let’s take a look at how each of these stack up with top Frisco car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Frisco, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,459 $3,476 $3,411 $3,411 $9,347 $11,244 $4,271 $4,429
American Family $2,657 $2,976 $2,541 $2,927 $7,456 $9,726 $3,894 $4,443
GEICO $2,534 $2,749 $2,450 $2,809 $5,723 $5,896 $2,755 $2,736
Nationwide $2,236 $2,268 $1,976 $2,088 $6,463 $8,282 $2,640 $2,853
Progressive $2,222 $2,130 $1,981 $2,019 $9,284 $10,359 $2,649 $2,707
State Farm $2,105 $2,105 $1,883 $1,883 $5,205 $6,661 $2,300 $2,365
USAA $1,635 $1,632 $1,570 $1,542 $4,754 $5,139 $2,177 $2,306

How much do teen drivers pay for car insurance in Frisco, TX?

Frisco, Texas car insurance rates for teens are often higher than rates for other drivers. Compare Frisco car insurance rates from multiple Frisco, Texas car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Frisco, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,347 $11,244
American Family $7,456 $9,726
GEICO $5,723 $5,896
Nationwide $6,463 $8,282
Progressive $9,284 $10,359
State Farm $5,205 $6,661
USAA $4,754 $5,139

How much do senior drivers pay for car insurance in Frisco, TX?

With a little research, seniors can find affordable car insurance in Frisco, Texas. Here’s a look at how the top Frisco car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Frisco, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,411 $3,411
American Family $2,541 $2,927
GEICO $2,450 $2,809
Nationwide $1,976 $2,088
Progressive $1,981 $2,019
State Farm $1,883 $1,883
USAA $1,570 $1,542

How does coverage level affect Frisco, TX car insurance rates?

How much coverage do you need? Are you comfortable with the Texas minimum of 30/60/25 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Frisco, TX car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Frisco, Texas

Insurance Company Low Medium High
Allstate $5,254 $5,333 $5,556
American Family $4,257 $4,408 $5,068
GEICO $3,267 $3,418 $3,684
Nationwide $3,881 $3,452 $3,469
Progressive $4,009 $4,155 $4,343
State Farm $2,895 $3,057 $3,237
USAA $2,499 $2,583 $2,700

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How does your driving record affect Frisco, TX car insurance rates?

Safe driving pays off. The more traffic violations you have in Frisco, TX, the higher your car insurance rates will be. Compare rates based on driving infractions from top Frisco, Texas companies.

Annual Frisco, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,125 $6,489 $6,784 $4,125
American Family $4,153 $5,337 $4,665 $4,153
GEICO $2,930 $3,904 $3,222 $3,770
Nationwide $3,124 $3,124 $4,628 $3,527
Progressive $3,640 $4,692 $4,243 $4,101
State Farm $2,704 $3,124 $3,720 $2,704
USAA $1,922 $2,859 $3,390 $2,206

How does a DUI affect Frisco, TX car insurance rates?

With even one DUI on your record, you can see an increase in your Frisco, TX car insurance rates.

Annual Car Insurance Rates After a DUI in Frisco, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,784
American Family $4,665
GEICO $3,222
Nationwide $4,628
Progressive $4,243
State Farm $3,720
USAA $3,390

How does your credit history affect Frisco, TX car insurance rates?

Take a look at the data here to see how your Frisco, Texas car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Frisco, Texas

Insurance Company Poor Fair Good
Allstate $6,826 $5,016 $4,302
American Family $6,228 $4,007 $3,497
GEICO $5,341 $3,019 $2,009
Nationwide $4,305 $3,474 $3,022
Progressive $4,687 $4,057 $3,763
State Farm $4,336 $2,701 $2,153
USAA $3,791 $2,210 $1,782

How does your commute affect Frisco, TX car insurance rates?

Frisco, TX car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Texas can be seen here. Remember, though, that you may have to carry substantially more car insurance in Frisco if you’re financing.

Annual Car Insurance Rates by Commute Length in Frisco, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,245 $5,517
American Family $4,577 $4,577
GEICO $3,395 $3,518
Nationwide $3,601 $3,601
Progressive $4,169 $4,169
State Farm $3,063 $3,063
USAA $2,562 $2,627

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Who has the cheapest Frisco, TX car insurance rates?

Here’s a breakdown of Frisco, Texas car insurance rates by company. You can see which company offers the cheapest Frisco car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Frisco, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI GEICO
With 1 Speeding Violation USAA

What are the top Frisco, TX car insurance companies?

Which Frisco, Texas car insurance company will best fit your needs and budget? Check out this comparison of the top Frisco companies to find the one for you.

Average Annual Car Insurance Rates by Company in Frisco, Texas

Insurance Company Average Annual Rates
Allstate $5,381
American Family $4,577
GEICO $3,456
Nationwide $3,601
Progressive $4,169
State Farm $3,063
USAA $2,594

What factors affect Frisco, TX car insurance rates?

Why are Frisco, Texas car insurance rates different than rates in El Paso or Corpus Christi? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Frisco, TX?

FBI statistics show that the Frisco, Texas car theft rate is 138 thefts each year. High theft rates can lead to higher than average Frisco, TX car insurance rates.

How long is the average commute in Frisco, TX?

More time spent behind the wheel can lead to higher Frisco, Texas car insurance rates. In Frisco, TX, the average commute length is 29.8 minutes.

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Car Insurance Quotes for Frisco, TX

Shop for affordable Frisco, Texas car insurance rates today. Enter your ZIP code to compare quotes from multiple Frisco, TX car insurance companies.

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