Frisco Car Insurance

The Zebra
May 30, 2018

Car Insurance in Frisco

Premiums in Frisco are relatively similar to state rates, as its premiums are within $57 of Texas' average. Let’s get started on how to save on car insurance in Frisco.

  • City Average: $1,753
  • State Average: $1,810
  • National Average: $1,427

Frisco Car Insurance by Age

At $1,498, drivers in their 50s have the smallest car insurance rates among any age group. Those in their 60s ($1,568) have premiums that aren't much higher. Teenage drivers have the most expensive rates out of all the age groups, with typical car insurance payments of $5,733. The greatest fall in premiums between any age group is from the teenage age range to the 20s, as drivers in Frisco start saving 63% on car insurance. When drivers turn 60, they will experience a premium increase related to their age for the first time.

  • Teenagers: $5,733
  • 20s: $2,143
  • 30s: $1,726
  • 40s: $1,670
  • 50s: $1,498
  • 60s: $1,568
  • 70s: $1,962

Frisco Car Insurance by Gender and Marital Status

Both marital status and gender can impact your car insurance premiums in Frisco. However, males have premiums that are only a little more pricey than those for females. In your city, marital status actually has a substantial impact on premiums. Those who are single spend close to 11% more per year on car insurance compared to those who are married. Rates for those who are widowed are also significantly cheaper than rates for those who are single.

  • Female: $1,738
  • Male: $1,753
  • Single: $1,753
  • Married: $1,579
  • Divorced: $1,753
  • Widowed: $1,588

Frisco Car Insurance by Credit Rating

For those with Exceptional credit (800-850), as opposed to Very Poor credit (300-579), car insurance premiums are $1,617 less a year. Shifting from Very Poor (300-579) to Fair (580-669) offers drivers the greatest decrease in premiums, as they save approximately $360 per year.

  • Very Poor: $3,070
  • Fair: $2,595
  • Good: $2,151
  • Very Good: $1,813
  • Exceptional: $1,453

Frisco Car Insurance by Accident or Violation History

Having a spotless driving record is critical if you want to keep the expense of premiums low. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. Being at-fault in an accident costs drivers an additional $877 per year in premiums compared to the city average. In Frisco, drivers with a DUI have rates that exceed the city average of $1,753 by $747. Reckless driving will bump your rates up as well, with typical rates of $2,444, which are 39% higher than the city average.

  • DUI: $2,500
  • Reckless Driving: $2,444
  • At-fault Accident (damages less than $1000): $2,630
  • At-fault Accident (damages greater than $2000): $2,630
  • Speeding Ticket (16-20 mph over speed limit): $1,825

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