Cheapest and Best Car Insurance in Frisco, TX (2024)

In Frisco, Texas, Texas Farm Bureau offers the lowest rates for full and minimum coverage. Nationwide is the cheapest for families with teens. Chubb is the best overall, effectively balancing cost and service. Ultimately, your ideal insurer varies depending on your personal needs and coverage requirements.

Texas Farm Bureau offers the cheapest car insurance in Frisco.

• Texas Farm Bureau: $438 per year
• State Farm: $472 per year

Dairyland has the most expensive minimum coverage policy with an annual premium of $2,164, significantly higher than the lowest-priced option. This stark difference of $1,726 shows the importance of comparing rates to get the best deal possible.

In Texas, state law prescribes these minimum car insurance coverage:

• $30,000 bodily injury per person
  
• $60,000 bodily injury per accident
  
• $25,000 property damage liability per accident
  

For example, if you're in an accident where the other party sustains an injury, your minimum coverage policy will cover up to $30,000 for that person. But, should the total expenses for an accident's injuries exceed $60,000, any additional costs would have to be paid out of your pocket. So while the minimums are a legal requirement, it's worth considering if they fully meet your personal coverage needs.

Texas Farm Bureau offers the cheapest full coverage car insurance in Frisco.

• Texas Farm Bureau: $907 per year
• State Farm: $986 per year

Dairyland has the most expensive full coverage policy with an annual rate that is $3,299 more than Texas Farm Bureau. This difference shows the importance of comparing rates to find affordable full coverage, which tends to cost more due to its broad protection.

Our sample full coverage policy in Frisco boosts liability coverage to $100,000 for individual bodily injury, $300,000 per accident for physical injuries and $100,000 for property damage. This is known as the 100/300/100 policy.

Full coverage insurance extends beyond just liability. It encompasses two main types of protection for your vehicle:

• Collision Coverage: This provides coverage for your vehicle in the event of a collision, whether with another vehicle or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.
• Comprehensive Coverage: This coverage insures your vehicle against various types of damage not caused by collisions, including theft, vandalism, fires, natural disasters and being struck by an animal like a deer.

If you have a new vehicle, getting full coverage insurance for more robust financial protection is prudent. If you're leasing or have a car loan, you are typically required to carry full coverage insurance.

Owners of older vehicles may find that the extra cost — which can amount to several hundred dollars more per year — is not justified by the vehicle's value. When deciding how much car insurance you need, consider your ideal balance: more extensive coverage comes with higher premiums, but getting less coverage means you may pay more out of pocket if you need to file a claim.

MoneyGeek found that the cheapest option for drivers with a poor driving record seeking a full coverage policy in Frisco varies based on the specific offense on their record:

• Speeding Ticket: Texas Farm Bureau ($907 per year)
• At-Fault Accident: State Farm ($1,233 per year)
• DUI: Progressive ($1,492 per year)

Dairyland consistently appears as the most expensive option for those with a speeding ticket ($5,240 per year), for an at-fault accident ($5,941 per year) and for a DUI ($4,255 per year). The disparity in annual premiums reflects how the severity of an offense significantly impacts car insurance costs.

Insurance rates in cities like Frisco escalate with the severity of driving offenses. In Frisco, the annual premium for someone with a speeding ticket averages at $2,854, while a DUI offense hikes that rate up to $3,547. This shows the importance of comparing rates to save on costs, especially for drivers with infractions.

MoneyGeek found that Nationwide offers the most affordable car insurance for teens in Frisco, both for females and males.

• Nationwide: $1,518 per year for female teens and $1,730 per year for male teens.
• State Farm: $1,800 per year for female teens and $2,177 per year for male teens.

These rates are for a teen added to an existing family policy. Allstate has the most expensive teen family policy at $6,090 for female teens and $7,167 for male teens. The difference of $4,572 between Nationwide and Allstate for female teens shows the potential savings from comparing rates.

In Frisco and other cities, teen drivers face steeper premium rates. On average, an individual annual premium for a teen is $6,821, compared to a significantly lower $3,482 when added to a family plan. The significant difference is due to the elevated risk insurers associate with inexperienced teen drivers. Including teens in a family plan can mitigate cost and approval difficulties.

Texas Farm Bureau is the cheapest option for car insurance for those with a military background in Frisco.

• Texas Farm Bureau: $907 per year
• State Farm: $986 per year

Although USAA is not the least expensive in this list at, it is known for offering services that are specifically tailored to meet the needs of active-duty military members.

Shopping for car insurance in Frisco can lead to significant savings; however, manually comparing rates can use up over 15 minutes per insurer.

Fortunately, MoneyGeek's car insurance calculator streamlines this process. Simply input details like age, driving record, credit score and coverage preferences to quickly receive tailored estimates.

Choosing the right auto insurance is a balancing act involving service quality, cost, coverage and other personal preferences. In Frisco, Chubb stands out in all categories with the highest MoneyGeek scores:

• Best overall: 92 out of 100
• Best for service: 92 out of 100
• Best cheap: 91 out of 100

Chubb excels in overall value, top-tier service and affordability. Whether consumers are budget-conscious or seeking the finest insurance experience, it offers an impressive balance, making it a noteworthy option in the local market.

Chubb provides the best car insurance in Frisco.

• Chubb: MoneyGeek score of 92 out of 100 ($1,562 per year)
• State Farm: MoneyGeek score of 75 out of 100 ($986 per year)

Chubb distinguishes itself as the leading provider by excelling in customer satisfaction and claims handling. These factors, combined with a solid offering of full-coverage policies, position Chubb at the forefront of car insurance options in Frisco.

Chubb is the best option for car insurance when it comes to customer service in Frisco.

• Chubb: MoneyGeek score of 92 out of 100 ($1,562 per year)
• Foremost: MoneyGeek score of 77 out of 100 ($2,459 per year)

Chubb distinguishes itself with the highest scores across the board, particularly excelling in customer satisfaction and claims handling, which are significant contributors to their near-perfect MoneyGeek score.

Chubb is the best option in Frisco for drivers seeking affordable yet high-quality car insurance.

• Chubb: MoneyGeek score of 91 out of 100 ($771 per year)
• Mercury: MoneyGeek score of 79 out of 100 ($501 per year)

Chubb shines with its remarkable balance of high satisfaction and claims processing scores along with competitive rates, solidifying its position for the minimum coverage policy.

In Frisco, TX, the average car insurance premium is $1,751, slightly lower than the average car insurance cost in Texas, which stands at $1,782. Compared to the national average of $1,781, the state's average is nearly on par, differing by just $1.

While location plays a crucial role in determining car insurance rates, other factors such as age, driving history, and vehicle type also significantly impact premiums. The most expensive city premium in Texas is in Houston, at $2,177, while the cheapest is in Wichita Falls, at $1,414, indicating a notable difference of $763. This shows how urban areas with high traffic density tend to have higher rates, whereas in less congested non-city regions, insurance rates may be even more economical.