Frisco's average full coverage car insurance costs $142 per month. Rates range from $136 to $417, depending on driver details and vehicle type. The table below includes average premiums for various driver profiles to help drivers understand potential costs.
Frisco, TX, Car Insurance
Updated: January 13, 2025
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Cheapest Car Insurance in Frisco: Key Takeaways
Frisco's cheapest car insurance companies include Texas Farm Bureau, State Farm and Progressive.
Texas Farm Bureau offers the cheapest car insurance in Texas, with rates starting at $37 per month for minimum coverage and $76 for full coverage.
On average, car insurance costs $71 per month for minimum coverage and $142 for full coverage.
Car Insurance Quotes in Frisco, TX
| Young Drivers | $93 | $184 |
| Teens | No Data | $417 |
| Seniors | $72 | $136 |
| Drivers With a Speeding Ticket | $84 | $170 |
| Drivers With a DUI | $109 | $207 |
| Drivers With An Accident | $119 | $230 |
| Bad Credit | $124 | $254 |
Because insurers calculate premiums differently, you'll need to get quotes from multiple providers for the most accurate estimate.
Frisco vs. State Average
Texas
State Average Full Coverage Rate
$1,695
Frisco, TX
City Average Full Coverage Rate
$1,699More:$4 more
This is 0% more expensive.
What Is the Average Car Insurance Rate in Frisco?
In Frisco, full coverage car insurance costs about $1,699 per year, while minimum coverage averages $848. These rates are slightly higher than Texas' averages of $1,695 and $810, respectively.
| State Average | $810 | $1,695 |
| Frisco Average | $848 | $1,699 |
Cheapest Car Insurance Companies in Frisco
Even though premiums rise in Texas, affordable car insurance is still available in Frisco. Texas Farm Bureau offers the cheapest minimum coverage at $37 per month and full coverage at $76.
Cheap Car Insurance in Frisco
Texas Farm Bureau is often the cheapest car insurance provider, but rates vary for each driver. To find the most affordable option, get quotes from multiple insurers. Below is a table showing the cheapest car insurance rates for various driver profiles.
| Texas Farm Bureau | Minimum Coverage | $37 |
| Texas Farm Bureau | Full Coverage | $76 |
| State Farm | Teens | $204 |
| Texas Farm Bureau | Young Adults | $70 |
| Texas Farm Bureau | Seniors | $47 |
| Texas Farm Bureau | Bad Credit | $123 |
| Progressive | Drivers With a DUI | $89 |
| State Farm | Drivers With An Accident | $77 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $56 |
Car Insurance Rates in Frisco by Company
Finding the cheapest car insurance in Frisco means comparing prices from different companies. We've outlined the most affordable options for state minimum and full coverage below.
Cheapest Car Insurance Companies for Minimum Coverage in Frisco
Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $37 per month. State Farm follows closely at $40 monthly. Explore the breakdown of the cheapest options in the table below.
| Texas Farm Bureau | $37 | $34 |
| State Farm | $40 | $31 |
| Mercury | $41 | $30 |
| Progressive | $53 | $17 |
| National General | $55 | $16 |
| AAA Texas | $56 | $15 |
| Allstate | $69 | $2 |
Cheapest Car Insurance Companies for Full Coverage in Frisco
Texas Farm Bureau offers the cheapest full coverage car insurance in Frisco at $76 per month. Below is a list of other providers and their rates.
| AAA Texas | $31 |
| Allstate | $12 |
| GEICO | $15 |
| Mercury | $0 |
| National General | $26 |
| Progressive | $40 |
| State Farm | $59 |
| Texas Farm Bureau | $66 |
Car Insurance Companies in Frisco
Texas Farm Bureau offers the cheapest car insurance in Frisco at $673 annually. Chubb is the best cheap provider, with a MoneyGeek score of 91 out of 100. Check the table below for more options.
| Chubb | 91 | $1,311 |
| Mercury | 75 | $1,092 |
| State Farm | 75 | $732 |
| Foremost | 74 | $1,718 |
| AAA Texas | 74 | $997 |
| Texas Farm Bureau | 73 | $673 |
| Progressive | 65 | $930 |
| Nationwide | 64 | $1,495 |
| GEICO | 62 | $1,192 |
| Allstate | 61 | $1,189 |
| National General | 52 | $1,021 |
| Dairyland | No Data | $2,934 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Frisco by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,699 per year for 40-year-olds and $1,632 annually for 65-year-olds. The table below shows average costs for drivers aged 16 to 65.
| 16 | $3,291 | $-856 |
| 17 | $3,169 | $-734 |
| 18 | $2,767 | $-332 |
| 19 | $2,344 | $91 |
| 20 | $2,454 | $-19 |
| 21 | $1,816 | $619 |
| 22 | $1,820 | $615 |
| 23 | $1,887 | $548 |
| 24 | $1,769 | $666 |
| 25 | $2,212 | $-371 |
| 40 | $1,699 | $142 |
| 65 | $1,632 | $209 |
Cheapest Car Insurance for Teens in Frisco
Nationwide offers the cheapest overall car insurance for teens in Frisco, with full coverage at $132 per month, saving $109 compared to the state average. The table below lists other affordable providers for this age group.
| Nationwide | $132 | $109 | $329 |
| State Farm | $153 | $88 | $204 |
| GEICO | $188 | $53 | $229 |
| Foremost | $257 | $-16 | $553 |
| Progressive | $278 | $-37 | $749 |
| Allstate | $438 | $-197 | $441 |
*Rates are for 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Frisco
Texas Farm Bureau offers the lowest monthly rates for young drivers in Frisco: $47 for minimum coverage and $93 for full coverage. The table below highlights the cheapest options for various driver profiles.
| Texas Farm Bureau | Minimum Coverage | $47 |
| Texas Farm Bureau | Full Coverage | $93 |
| Texas Farm Bureau | Bad Credit | $154 |
| Progressive | Drivers With a DUI | $109 |
| State Farm | Drivers With An Accident | $95 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $70 |
Cheapest Car Insurance Companies for Young Drivers in Frisco
Texas Farm Bureau offers the most affordable auto insurance for young drivers in Fullerton at $70 per month. Progressive and State Farm also have low premiums. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $70 | $69 |
| State Farm | $78 | $61 |
| Progressive | $98 | $41 |
| AAA Texas | $107 | $32 |
| National General | $110 | $29 |
| GEICO | $116 | $23 |
| Mercury | $125 | $14 |
| Allstate | $129 | $10 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Frisco
Texas Farm Bureau and State Farm offer Fullerton's most affordable car insurance options for seniors. Rates vary based on personal factors. The table below shows the cheapest providers for different driver and coverage profiles.
| Texas Farm Bureau | Minimum Coverage | $32 |
| Texas Farm Bureau | Full Coverage | $63 |
| Texas Farm Bureau | Bad Credit | $103 |
| Progressive | Drivers With a DUI | $93 |
| State Farm | Drivers With An Accident | $73 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $47 |
Cheapest Car Insurance Companies for Seniors in Frisco
Texas Farm Bureau offers the cheapest monthly premium for seniors at $47, covering both minimum and full coverage. State Farm follows closely with a rate of $56 per month. The table below shows the top car insurance providers for seniors in Frisco.
| Texas Farm Bureau | $47 | $56 |
| State Farm | $56 | $48 |
| Progressive | $78 | $25 |
| AAA Texas | $84 | $20 |
| National General | $93 | $10 |
| Mercury | $95 | $9 |
| Allstate | $97 | $7 |
| GEICO | $100 | $4 |
| Chubb | $103 | $1 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Frisco
In Fullerton, high-risk drivers pay more for minimum coverage and full coverage than the state average. Bad credit and DUIs significantly increase car insurance costs, while accidents and speeding tickets have a smaller impact.
| State Average | $1,190 | $2,417 |
| Frisco Average | $1,246 | $2,428 |
DRIVING OFFENSES AFFECT RATES FOR A LIMITED TIME ONLY
Most minor driving incidents, like a not-at-fault accident or speeding ticket in Frisco, are considered by insurers for about three to five years. For more serious driving offenses, such as a DUI, insurers may take them into account for even longer, often requiring drivers to file an SR-22 to prove they meet the state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Frisco
Progressive offers the cheapest minimum coverage for drivers with a DUI at $684 per year in Frisco. It also provides the cheapest full coverage at $1,452 per year. Check the table below for more low-cost coverage options.
| Progressive | $57 | $121 |
| National General | $69 | $137 |
| Texas Farm Bureau | $83 | $151 |
| State Farm | $77 | $153 |
| Mercury | $58 | $189 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Frisco
State Farm, Texas Farm Bureau and Progressive offer the cheapest auto insurance after an at-fault accident in Frisco. The table below shows various providers offering affordable coverage.
| State Farm | $51 | $103 |
| Texas Farm Bureau | $63 | $128 |
| AAA Texas | $83 | $160 |
| Progressive | $82 | $168 |
| Mercury | $88 | $282 |
*Rates are for a 40-year-old driver with good credit and an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Frisco
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $37 and full coverage at $76 monthly. The table below shows how much other providers charge drivers with speeding tickets.
| Texas Farm Bureau | $37 | $76 |
| State Farm | $40 | $82 |
| Progressive | $63 | $131 |
| National General | $68 | $153 |
| Mercury | $59 | $202 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Frisco
Mercury offers the most affordable rates for drivers with bad credit in Frisco, with minimum coverage starting at $58 per month. Texas Farm Bureau offers the cheapest full coverage at $169 monthly. See the table below for other affordable options.
| Texas Farm Bureau | $78 | $169 |
| AAA Texas | $87 | $171 |
| Progressive | $81 | $177 |
| National General | $84 | $204 |
| Mercury | $58 | $213 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Frisco, TX
In Texas, each city follows statewide mandates for car insurance minimums. Your policy must include at least:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
If you're in a car accident in Texas, this minimum coverage will help pay for injuries and damage up to these amounts, keeping you financially protected.
Cheap Car Insurance in Frisco: Bottom Line
Texas Farm Bureau is Frisco's most affordable car insurance provider, with minimum coverage at just $37 and full coverage at $76. Regardless of your age or credit, affordable options are available. Ensure your policy meets Texas requirements, including bodily injury and property damage liability. Compare providers to secure budget-friendly coverage that complies with state laws.
Frisco Auto Insurance: FAQ
We answer common questions about finding the cheapest and best car insurance options in Frisco.
What is the cheapest car insurance company in Frisco, TX?
The most affordable car insurance provider in Frisco is Texas Farm Bureau, with rates as low as $37 per month for minimum coverage.
What is the best car insurance company in Frisco, TX?
Chubb is the best car insurance provider in Frisco, with a MoneyGeek score of 91 out of 100. The average annual premium for minimum coverage is $1,311.
How much does car insurance cost on average in Frisco, TX?
In Frisco, the average monthly rate for minimum coverage ranges from $72 and $124.
Best Cheap Car Insurance in Frisco: Our Methodology
MoneyGeek conducted an analysis of Frisco auto insurance prices using data from the Texas Department of Insurance and Financial Services and Quadrant Information Services.
Frisco Driver Profile
To assess the best and most affordable auto insurance options for Frisco residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Frisco
In assessing the car insurance quotes for Frisco, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:
The minimum coverage requirements in Texas are:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Frisco
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes from insurance companies in Frisco for the average driver of various ages who is driving a Toyota Camry with a clean record.
For more details on our evaluation process, see MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.