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How much is car insurance in Frisco?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that car insurance rates in Frisco are in line with rates across the rest of Texas.
If you're thinking of moving to Frisco from out of state, you may still be in luck. You can expect to pay about $14 below the national average for auto insurance in Frisco.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your policy's monthly price.
Don't sweat it however, we've broken down average rates for Frisco residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below and find out in just minutes!
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Frisco Car Insurance Rates by Age
|Age Range||Average Premium|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay $46 more than drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates begin to go back up in Frisco.
Frisco Car Insurance Rates by Gender
On average, female drivers pay slightly less than male drivers for car insurance. This is true in Frisco, where women pay around $4 less a month. As you can see in the table above, female drivers in the area typically pay $64 on average, while female drivers typically pay $68 each month.
Frisco Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a huge impact on your car insurance rates. Drivers with clean records will pay significantly lower rates than those with accidents or violations. In Frisco, having a single accident on your record will usually get you rates around $85 a month. Likewise, drivers with one ticket will be looking at a rate of around $80 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. Remember, the safer you are as a driver, the cheaper your car insurance will be.
Frisco Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$61|
|15 Years or Older||$74|
In Frisco, the cheapest vehicles to insure are usually SUVs, with drivers paying around $62 per month for auto insurance.
Truck and van drivers will see rates of about $77, while the rates for car owners average out to about $67 per month.
The age of your vehicle has an impact on the cost of your policy as well. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few 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.
Frisco Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally speaking, people who are married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor many companies offer special discounts for.
The cost of auto insurance in Frisco reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $19 a month.
Frisco Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$108|
One other element taken into consideration is your housing status. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Frisco. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Frisco, TX
Recent trends in car insurance for Frisco drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
The cost of auto insurance in Frisco declined from 2017-2020, before leveling out in 2021. Rates finished down in 2022, at $58 a month
How does Frisco compare to neighboring areas?
Why are car insurance rates in Frisco different from other areas?
Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Total amount of drivers in the area
- Availability of off-street parking
- Road Safety (frequency of local car accidents)
- Community regulations
- Regional crime rates
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Frisco?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com can handle all of this for you. Just punch in your ZIP Code below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from loads of the car insurance companies offering policies in Frisco.
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Frisco Auto Insurance FAQs
What factors affect car insurance quotes in Frisco?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Frisco different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Frisco?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Frisco?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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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