For a 40-year-old driver with a clean record, Frisco car insurance averages about $239 a month ($2,866 a year) for full coverage, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. That’s 5% below the Texas average of $251 a month. Auto Club (AAA) and State Farm are effectively tied for the lowest full-coverage average among the five major insurers we compared (Allstate, Auto Club, GEICO, Progressive and State Farm), at about $172 and $174 a month.
Frisco costs about $54 a month less than Dallas for our benchmark driver and about 5% less than the Texas average. Auto Club (AAA) and State Farm are effectively tied for the lowest average among insurers anyone can buy from.
The four Frisco ZIP codes we price are close together, from about $237 a month in 75035 to $241 in 75034.
Cost data comes from the auto rates insurers file with state regulators, priced across all four Frisco ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Sept. 30, 2026. Page reviewed Nov. 12, 2026.
Full coverage in Frisco averages $2,866 a year, or about $239 a month, for our benchmark driver. Liability-only coverage at Texas’ 30/60/25 minimum averages $1,080 a year ($90 a month), and 50/100/50 liability with comprehensive and collision averages $2,630 ($219 a month).
Allstate is far more expensive than the other insurers here: its full-coverage average of about $438 a month is 2.2 times the average of the other five. We keep it in our averages because it’s a rate the insurer filed with state regulators; without Allstate, the Frisco average would be about $199 a month.
Auto Club (AAA) and State Farm are effectively tied for the lowest full-coverage average among the insurers in our Frisco rate data that are among insurers anyone can buy from. Most of the published 2026 statewide Texas rate studies we reviewed name Texas Farm Bureau or State Farm as cheapest for full coverage. For liability-only coverage at 30/60/25 limits, State Farm has the lowest average among these five insurers, at about $63 a month, followed by Auto Club (AAA) at $73. USAA comes in even lower, at about $52 a month, but it sells only to military families.
Full-coverage averages by insurer in Frisco
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Sept. 30, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Auto Club (AAA) | $873 | $73 | $2,059 | $172 |
| State Farm | $755 | $63 | $2,089 | $174 |
| USAA (military families) | $619 | $52 | $2,107 | $176 |
| GEICO | $920 | $77 | $2,585 | $215 |
| Progressive | $1,130 | $94 | $3,093 | $258 |
| Allstate | $2,182 | $182 | $5,261 | $438 |
| Texas Farm Bureau* | $545 | $45 | $1,339 | $112 |
| Farmers* | $1,382 | $115 | $4,423 | $369 |
| Frisco average | $1,080 | $90 | $2,866 | $239 |
This table uses Frisco ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the four Frisco ZIP codes we price, full coverage for our driver ranges from about $237 a month in 75035 to $241 in 75034, a gap of $50 a year.
Lowest-priced Frisco ZIP code
Highest-priced Frisco ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Frisco’s average.
| ZIP Code: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 75033 | $1,074 | $90 | $2,861 | $238 | About average |
| 75034 | $1,088 | $91 | $2,897 | $241 | +1% |
| 75035 | $1,087 | $91 | $2,847 | $237 | -1% |
| 75036 | $1,070 | $89 | $2,858 | $238 | About average |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $236 a year on average in our Frisco data, with the same $500 deductibles. That’s about $20 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
Not by much, for our benchmark driver. Comparing the five insurers that are in both sets of rates, in the same Frisco ZIP codes, their full-coverage average fell from $2,396 a year 10 months earlier to $2,386 in rates as of Sept. 30, 2026, a 0.4% drop. Auto Club (AAA) cut its Frisco average 4.9% and Progressive 4.1%, while USAA raised its average 6.0% and GEICO 3.2%; State Farm’s average was about unchanged. Allstate is new in our rates over the past 10 months, so it’s left out, which is why these averages differ from the Frisco average above. Liability-only coverage at 30/60/25 limits fell 1.9%, led by USAA, which cut its liability-only average 13.8%.
Only comprehensive coverage pays for hail damage to your car. If you park in a driveway or open lot, keep it and raise your deductible instead if you need a lower premium.
Frisco straddles Collin and Denton counties. Collin County averages about $247 a month for full coverage in our data and Denton County $234. Nearby, Plano averages $249, McKinney $240 and The Colony $248.
More Texas cities and towns are in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
Dallas, about 25 miles south, averages $293 a month, and our Dallas–Fort Worth metro guide averages $257.
Drivers in Frisco follow Texas’ rules. Every policy must include at least:
Every Texas policy includes personal injury protection unless you turn it down in writing, and insurers must offer uninsured/underinsured motorist coverage, which you can also turn down only in writing. Our Texas requirements guide covers the details and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Sept. 30, 2026.
Coverage requirements come from Texas law and the Texas Department of Insurance. We refresh these figures when new rate data is released.
Across the two counties in the Frisco area and 53 ZIP codes we price there, full coverage runs from about $234 a month in Denton County to $247 in Collin County. The Texas average is $251. These figures use the same rate data and benchmark driver as the rest of this page.
| County: | ZIP Codes in Our Data: | Minimum Liability 30/60/25 (Yearly): | Minimum Liability 30/60/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|---|
| Collin County | 27 | $1,101 | $92 | $2,961 | $247 |
| Denton County | 26 | $1,034 | $86 | $2,807 | $234 |
| Texas average | 1019 | $1,065 | $89 | $3,011 | $251 |
The tables below come from an additional InsuranceQuotes rate analysis that uses its own driver profile and coverage assumptions, so the dollar amounts differ from the Frisco averages above. Use them to see how vehicle type, a newer car and driver age change what you pay.
This breakdown shows how the type of car changes the price in each county in the table. Across the two counties in this table, SUV policies cost the least on average and hybrid policies the most, about 21% more. Search the table for your county.
| County: | Car | SUV: | Sports: | Truck: | Hybrid: |
|---|---|---|---|---|---|
| Collin | $1,346 | $1,163 | $1,295 | $1,334 | $1,400 |
| Denton | $1,242 | $1,068 | $1,191 | $1,234 | $1,298 |
| Avg. Yearly Cost | $1,294 | $1,116 | $1,243 | $1,284 | $1,349 |
| Avg. Monthly Costs: | $107.83 | $92.96 | $103.58 | $107.00 | $112.42 |
Insuring a newer car usually costs more, because comprehensive and collision have to cover a more expensive vehicle. In this breakdown, full-coverage prices for a new car differ by about 30% between the lowest- and highest-priced insurers, so comparing quotes pays off even more when you buy new.
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA: | $530 | $2,280 |
| GEICO: | $838 | $2,588 |
| AAA: | $763 | $2,672 |
| Progressive: | $720 | $2,766 |
| State Farm: | $838 | $2,974 |
Age is one of the biggest rating factors for young drivers. In this breakdown, a 17-year-old pays about 2.9 times what a 39-year-old pays for full coverage, and prices fall quickly through the early 20s.
| Driver’s Age: | State Minimum Coverage | Full Coverage |
|---|---|---|
| 17 | $2,686 | $7,193 |
| 18 | $2,346 | $6,376 |
| 20 | $1,664 | $4,752 |
| 22 | $1,248 | $3,659 |
| 24 | $1,068 | $3,172 |
| 29 | $865 | $2,654 |
| 34 | $833 | $2,530 |
| 39 | $829 | $2,496 |
| 44 | $825 | $2,460 |
| 49 | $813 | $2,425 |
| 54 | $791 | $2,329 |
| 64 | $807 | $2,270 |
| 74 | $982 | $2,622 |
| 76 | $1,049 | $2,761 |
For our benchmark driver, full coverage in Frisco averages about $239 a month ($2,866 a year) and liability-only coverage about $90 a month, based on the rates insurers had filed with state regulators as of Sept. 30, 2026. Full coverage is 5% below the Texas average of $251 a month. Without Allstate, the Frisco average is about $199 a month.
Auto Club (AAA) and State Farm are effectively tied for the lowest full-coverage average among insurers anyone can buy from in our Frisco rate data, at about $172 and $174 a month. GEICO’s average is next, at $215. For liability-only coverage, State Farm has the lowest average among the five major insurers we compared, at about $63 a month. The published 2026 statewide Texas rate studies we reviewed most often rank Texas Farm Bureau or State Farm cheapest for full coverage. Rates vary by driver, so compare quotes for your own car and ZIP code.
Frisco, for our benchmark driver. Frisco full coverage averages about $239 a month and Plano about $249, a difference of about $10 a month.
In our data, 75035 has the lowest full-coverage average in Frisco, at about $237 a month, and 75034 the highest, at about $241. The ZIP code table on this page lists all four.
In our Frisco data, full coverage (100/300/100 with $500 deductibles) averages about $239 a month and liability-only coverage at 30/60/25 limits about $90, a difference of about $149 a month ($1,786 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Texas law doesn’t require full coverage, but a lender or leasing company may.
Not by much, for our benchmark driver. Comparing the five insurers in both sets of rates (Allstate is new over the past 10 months), their Frisco full-coverage average fell 0.4%, from about $2,396 to $2,386 a year. That’s lower than the Frisco average of $2,866 because it leaves out Allstate. Auto Club (AAA) cut its Frisco average 4.9% and Progressive 4.1%, while USAA raised its average 6.0% and GEICO 3.2%. Liability-only coverage at 30/60/25 limits fell 1.9%.
For our benchmark driver, full coverage in Frisco averages about $239 a month. Nearby, Dallas averages about $293, Dallas–Fort Worth about $257 and Waco about $224. Waco is cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
