Frisco, TX Car Insurance

Residents of Frisco pay, on average, about $67 per month for car insurance. For information on policy rates, coverage, and more check out our guide below.
Map of cities where drivers can find cheaper car insurance
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What should residents of Frisco expect to pay for their car insurance? How do rates in Frisco measure up compared to neighboring areas, including Texas as a whole? Discover the factors that go into calculating the average cost in our writeups and charts below:

How much is car insurance in Frisco?

Area Average Monthly Car Insurance Premium
Frisco$67
TX$65
United States$81

As you can see in the chart above, car insurance rates in Frisco are slightly more expensive than the rest of Texas.

Conversely, when compared to the national average, the cost for auto insurance in Frisco is lower. It's around $14 less to insure your vehicle compared to the average rate for the United States as a whole.

While these numbers are the average rates for auto insurance in Frisco, that doesn't mean it's what you'll pay. The monthly rate that insurance companies end up charging you is determined by a variety of factors. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.

We've analyzed the average rate for Frisco and broken down the different factors to help you understand what exactly you might be asked to pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$198
18-24$99
25-34$59
35-44$53
45-54Not Enough Data
55-64$58
65+$53

The longer you've been on the road, the more experienced of a driver you are. When it comes to car insurance rates, that experience can really pay off. In this case, 18-24-year-olds pay a lot more than someone who is at retirement age.

Every ten years or so you can expect to see a decline in your monthly premium. Frisco drivers may see their rates begin to increase again once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$69
Female$64

In general, female drivers pay less for car insurance than their male counterparts. In Frisco, the difference is around $5 per month. As you can see in the chart above, car insurance for women in the area typically costs around $64 each month, while men pay $69 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$85
Multiple Accidents$88
1 Ticket$79
Multiple Tickets$101

Your rates can vary wildly depending on your driving record. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. The rate for drivers in Frisco with a single accident on their record is about $85 a month. Similarly, drivers with one ticket will typically pay around $79 on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$61
2-3 Years$60
4-5 Years$58
6-7 Years$64
8-10 Years$68
11-14 Years$68
15 Years or Older$75

According to the first table above, the cheapest vehicles to insure in Frisco are typically SUVs, at $62 per month.

Car owners, on the other hand, by and large pay around $67 a month, while truck and van drivers can expect to pay about $78 per month for auto insurance.

In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is around 5 years old you may start to see your rates drop back down a bit. The most expensive vehicles to insure in Frisco are vehicles fifteen years and older.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$73
Married$54
Divorced$55
Widowed$45

Generally, car insurance is slightly cheaper for married policyholders. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Frisco follows that pattern, with the difference totaling to around $19 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$58
Rent$65
Live with parents$109

Your housing status is another component of how insurance companies calculate your monthly rate. In Frisco, homeowners can expect to pay around $7 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Frisco, TX

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.

Car insurance rates in Frisco had been decreasing from 2017-2020, before steadying out in 2021. They finished down in 2022, at $54 a month

How does Frisco compare to neighboring areas?

Why are car insurance rates in Frisco different from other areas?

Car insurance companies look at several factors when they're deciding how much to charge for a policy. Your insurance policy will depend largely on your home address and will be influenced by things such as:

  • Local regulations
  • Road Safety (how many accidents each locality has)
  • Regional crime rates
  • Off-street parking availability
  • Total number of drivers in the community

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Frisco?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But hold on! Compare.com does all of that work for you. Enter your ZIP below, answer a few questions related to the factors we outlined above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering auto coverage in Frisco.


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Frisco Insurance FAQs

What factors affect car insurance quotes in Frisco?

Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Frisco different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Frisco?

There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.

Do I need to change my insurance if I move to Frisco?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Frisco or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.

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