Frisco, TX Car Insurance

Learn more about average rates and ways to save on car insurance in Frisco, Texas.

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What's the average car insurance rate in Frisco?

 

The typical Frisco driver pays $1,411 per year for auto insurance. That's cheaper than the average across Texas ($1,415) and cheaper than the national average of $1,548. Our guide to Frisco car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

 
AUTO INSURANCE: FRISCO RATES VS. STATE + NATIONAL AVERAGES
Frisco Average (annual) Texas Average National Average
$1,411 $1,415 $1,548
 
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Frisco auto insurance premiums by provider

 

The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. In Frisco, GEICO offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Frisco — but don't forget to get personalized car insurance quotes to match your driving profile.

 
FRISCO CAR INSURANCE RATES BY COMPANY
Insurer Average Monthly Rate Average 6-month Premium Average Yearly Rate
GEICO $101 $610 $1,221
USAA $102 $614 $1,229
State Farm $108 $651 $1,302
Allstate $188 $1,132 $2,265
 

Check out our guide to learn how to find the best cheap car insurance.

 
 

 

Frisco auto insurance rates by age

The age bracket that pays the least for auto insurance in Frisco consists of drivers in their 50s, who pay an average of $1,228. Drivers in their 60s pay marginally higher rates — $1,275 per year.

Teenage drivers pay Frisco's most expensive car insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Frisco is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Frisco is $1,822, the largest such difference between any two age groups.

 
FRISCO CAR INSURANCE PREMIUMS BY DRIVER AGE
Age group Monthly Rate Average 6-month Premium Average Annual Rate
Teenagers $305 $1,830 $3,660
20s $153 $919 $1,839
30s $115 $694 $1,388
40s $112 $675 $1,351
50s $102 $614 $1,228
60s $106 $637 $1,275
70s $131 $790 $1,581
 

Learn more about the impact of age on auto insurance rates.

 
 

 

Frisco car insurance rates by marital status and gender

 

Marital status and gender can be contributors to car insurance rates, in some cases. In Frisco, married drivers pay $91 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. In Frisco, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect auto insurance rates. Frisco's car insurance cost gap by gender is $5 per year, with male drivers paying more than female drivers.

 
FRISCO CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital Status Average Yearly Rate
Female $1,406
Male $1,411
Single $1,321
Married $1,321
Divorced $1,411
Widowed $1,287
 

Learn more about how gender and marital status have on insurance rates.

 
 

 

Frisco car insurance premiums by incident history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most costly citations to receive are DUI and reckless driving. Frisco drivers found guilty of reckless driving face insurance rate increases of $797 per year, compared to the citywide average. A DUI violation may lead to an $814 increase, while a citation for speeding leads to a $121 rate hike.

 
FRISCO CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident Average Annual Rate
DWI/DUI $2,224
Reckless Driving $2,207
At-fault Accident (damages less than $1,000) $1,799
At-fault Accident (damages greater than $2,000) $2,150
Speeding Ticket (16-20 mph over speed limit) $1,532
 

Learn more about the impact of driving violations on car insurance rates.

 
 

 

Frisco car insurance rates by credit score

 

In many cases, a driver's credit level is closely correlated with their auto insurance rates. In fact, Frisco drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 61% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Frisco, improving your credit to "Fair" could help you earn a $1,234 decrease in annual car insurance rates.

 
FRISCO CAR INSURANCE RATES BY CREDIT LEVEL
Credit Score Average Annual Rate
Very Poor $2,994
Fair $1,760
Good $1,411
Very Good $1,308
Exceptional $1,158
 

Learn more about the relationship between poor credit and car insurance.

 
 

 

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Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.