Best Cheap Auto Insurance in Frisco, TX (2021)

The cheapest Frisco, TX auto insurance on average is from State Farm, although rates will vary by driver. Car insurance in Frisco must meet the Texas minimum requirements of 30/60/25 in liability coverage. However, these limits are low, and drivers are encouraged to increase the limits and add coverages. Shop around a compare Frisco, TX auto insurance quotes online to find your best deal.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Apr 26, 2021

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Things to Remember

  • State Farm offers the cheapest auto insurance on average to all drivers in Frisco, TX
  • Frisco, TX auto insurance is cheaper than the national average
  • Frisco is part of the larger Dallas-Fort Worth area and shares traffic volume with the bigger cities

Frisco, TX auto insurance is cheaper than the state and national averages. This isn’t too surprising since Texas auto insurance, in general, is also cheaper than the national average.

Even though rates are pretty low, you still want to find the most affordable Frisco, TX auto insurance out there. Shop around and compare rates from different companies to see who can offer you the best deal.

Enter your ZIP code now to compare Frisco, TX auto insurance quotes from multiple companies near you for free.

What is the cheapest auto insurance company in Frisco, TX?

Although the cheapest Frisco, TX auto insurance company is USAA, it only offers coverage to the military, veterans, and their families. The cheapest company offering coverage to all Frisco drivers is State Farm.

The top Frisco, TX auto insurance companies listed from cheapest to most expensive are:

  • USAA – $2,594.28
  • State Farm – $3,063.06
  • GEICO – $3,456.46
  • Nationwide – $3,600.52
  • Progressive – $4,168.87
  • American Family – $4,577.35
  • Allstate – $5,381.07

Your car insurance rates are affected by many different factors, such as your age and driving record.

Where you live affects your rates also. Larger cities with more crime and traffic will pay more for car insurance. For example, auto insurance in Dallas, TX is more expensive than Frisco car insurance.

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What auto insurance coverage is required in Frisco, TX?

Most states require at least a minimum amount of car insurance coverage. Texas is no exception. Drivers in Frisco must carry at least:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

You can see that this is not a lot of coverage, especially in a serious accident. Consider increasing your limits and adding additional coverages so that any damages to your vehicle and bodily injuries are covered.

What affects auto insurance rates in Frisco, TX?

The amount of traffic in your city can affect your auto insurance rates. A large amount of traffic can mean a great chance of being in an accident.

Although INRIX doesn’t have data for Frisco, it does list nearby Dallas, TX as the 10th most congested city in the U.S.

City-Data reports that most drivers in Frisco, TX commute around 20 minutes, but a large number of drivers commute an hour or more.

Theft can also cause your auto insurance rates to increase. According to the FBI, there were 84 motor vehicle thefts in one year in Frisco. For comparison, neighboring city Dallas had 7,913 during that same year.

Frisco, TX Auto Insurance: The Bottom Line

Frisco car insurance is cheaper than average, but you still want the best deal out there. Before you buy Frisco, TX auto insurance, see what different companies can offer you to find the cheapest rates.

Enter your ZIP code now to compare Frisco, TX auto insurance rates near you for free.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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