The average cost of car insurance in Frisco, TX, is about $199 a month ($2,388 a year) for full coverage and $71 a month ($857 a year) for minimum coverage, based on filed rates as of August 31, 2026 for a 40-year-old driver with a clean record. That’s about 5% below the Texas average and about $39 a month less than Dallas. Auto Club (AAA) ($172 a month) and State Farm ($174) are effectively tied for the lowest full-coverage average.
Updated September 24, 2026, with insurers’ filed rates as of August 31, 2026. Rate data: Quadrant Information Services. Written by Michael Giusti.
Frisco is one of the cheaper places to insure a car in the Dallas–Fort Worth area. For our benchmark driver, full coverage costs $462 a year less than in Dallas and about $105 less than in neighboring Plano.
Newer roads and suburban neighborhoods help keep prices down. The one thing Frisco shares with the rest of North Texas is hail, which is why full coverage is still worth carrying.
How Much Is Car Insurance in Frisco?
For full coverage, Frisco averages $2,388 a year, or about $199 a month. Minimum coverage averages $857 a year, or about $71 a month. The Texas averages are $2,513 and $848.
All four Frisco ZIP codes are within $5 a month of each other: 75035 ($2,366), 75036 ($2,378), 75033 ($2,382), 75034 ($2,426) a year for full coverage. Nearby, McKinney averages about $2,410, Prosper $2,398 and The Colony $2,427.
- Full coverage: $2,388 a year ($199 a month)
- State minimum (30/60/25): $857 a year ($71 a month)
- Dallas–Fort Worth metro average: $2,562 full coverage
Cost data comes from insurers’ filed auto rates across the 4 Frisco ZIP codes we price, compiled by Quadrant Information Services and updated as new rates are filed.
Cheapest Car Insurance Companies in Frisco
- Cheapest for full coverage: Auto Club (AAA) ($172 a month) and State Farm ($174) are effectively tied.
- Cheapest for minimum coverage: State Farm, at about $63 a month ($755 a year), about $10 a month less than Auto Club (AAA).
- If you’re eligible for USAA: expect about $169 a month for full coverage and $50 for minimum coverage.
- Most expensive: Progressive, at about $264 a month for full coverage, $1,114 a year more than Auto Club (AAA).
This table covers all four Frisco ZIP codes (75033 to 75036). Texas Farm Bureau can come in cheaper, but you have to join the Farm Bureau first. For the rest of the Metroplex, see our Dallas–Fort Worth rates by city. See how we calculated these rates.
| Insurance Provider: | State Minimum: | Monthly: | Full Coverage: | Monthly |
|---|---|---|---|---|
| USAA (military families) | $599 | $50 | $2,033 | $169 |
| Auto Club (AAA) | $873 | $73 | $2,059 | $172 |
| State Farm | $755 | $63 | $2,091 | $174 |
| GEICO | $920 | $77 | $2,585 | $215 |
| Progressive | $1,141 | $95 | $3,173 | $264 |
| Texas Farm Bureau* | $507 | $42 | $1,326 | $111 |
| Allstate* | $1,614 | $135 | $4,217 | $351 |
| Farmers* | $2,594 | $216 | $6,161 | $513 |
How Much More Does Better Coverage Cost in Frisco?
Full coverage adds about $1,531 a year over the state minimum in Frisco, about $128 a month. Moving from 50/100/50 to 100/300/100 liability, with comprehensive and collision on both, adds only about $178 a year ($15 a month).
With many newer, higher-value vehicles on the road and fast traffic on the Dallas North Tollway and Sam Rayburn Tollway, the state’s $25,000 property damage minimum can fall short after even a moderate crash. Higher limits are cheap insurance against that.
Hail and Comprehensive Coverage in Frisco
Collin and Denton counties sit in North Texas’s Hail Alley, and spring storms regularly damage cars across the northern suburbs. Comprehensive coverage pays for hail damage; a liability-only policy doesn’t.
How Frisco Car Insurance Compares With Nearby Texas Cities
Frisco is one of the cheaper places to insure a car in North Texas: $199 a month, about $39 less than Dallas and $15 less than the Dallas–Fort Worth metro average.
Every Texas city we price is in the Texas rates by city table, and you can compare states on our car insurance rates by state page.
What Car Insurance Is Required in Frisco?
Texas sets the rules for every driver in Frisco. To register and drive a car, you need liability insurance of at least:
- $30,000 for injuries to one person
- $60,000 for injuries to everyone in one crash
- $25,000 for damage to other people’s property
That’s known as 30/60/25 coverage. Insurers must also offer personal injury protection (PIP) of at least $2,500 per person and uninsured/underinsured motorist coverage. Both are added to your policy unless you reject them in writing. The rules and penalties are explained in the Texas Department of Insurance auto insurance guide. Texas is an at-fault state, so the driver who causes a crash pays for the damage through their liability coverage.
How to Lower Your Car Insurance Rate in Frisco
The gap between insurers in Frisco is about $93 a month for full coverage. To find the lowest price:
- Compare Auto Club (AAA) and State Farm. They’re effectively tied here, so your own details decide the winner.
- Add a company outside our data. Texas Farm Bureau, Allstate and Farmers also write policies in Frisco.
- Ask about good-student and teen-driver discounts. Frisco has many young drivers, who cost far more to insure than our benchmark driver.
- Bundle with your homeowners policy. Most insurers discount auto when you add home insurance.
- Keep comprehensive for hail. Raise the deductible if you need a lower bill.
- Re-shop at renewal. Texas insurers file new rates often.
- Want to save even more? Bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Texas home insurance rates.
Frisco Car Insurance Rates by County
Full-coverage averages in the counties around Frisco range from about $196 a month in Denton County to $206 in Collin County, across 53 ZIP codes we sample. The Texas average is $209. These figures use the same filed-rate data and benchmark driver as the rest of this page.
| County | ZIP Codes Sampled | State Minimum /mo | Full Coverage /mo | Full Coverage /yr |
|---|---|---|---|---|
| Collin County | 27 | $73 | $206 | $2,470 |
| Denton County | 26 | $69 | $196 | $2,348 |
| Texas average | 1019 | $71 | $209 | $2,513 |
More Frisco Car Insurance Breakdowns
Beyond ZIP code and insurer, the car you drive and your age move the price too. The tables in this section come from an additional InsuranceQuotes rate analysis with its own driver profile and assumptions, so compare the categories within each table to see where the biggest differences are.
Frisco Car Insurance Costs by County and Vehicle Type
This breakdown shows how the type of car changes the price in each county in the Frisco area. Across the 2 counties listed, 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 |
New Car Insurance Rates in Texas
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 |
Car Insurance Costs by Age in Texas
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 as drivers build a clean record.
| 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 |
How We Calculated Frisco Car Insurance Rates
InsuranceQuotes analyzes insurers’ filed auto rates compiled by Quadrant Information Services, which models premiums from the rate filings insurers submit to state regulators. This page uses rates in effect on August 31, 2026.
- Sample: 64 quotes (32 full coverage and 32 state minimum) from 8 insurance companies, grouped into 5 brands, in 4 Frisco ZIP codes.
- Driver: a single 40-year-old man, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE he owns, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles. State minimum is the 30/60/25 liability Texas requires.
- Calculation: for each brand we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every brand-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: USAA is shown but not ranked because only military members, veterans and their families can buy it. Prices within 3% of each other are called effectively tied.
- What we leave out: prices that depend on something our driver doesn’t have (a telematics program, an anti-theft device or a membership) and insurers closed to new business.
- Other insurers: when an insurer’s filed rate for this driver isn’t in our data yet, its average is estimated from 2026 published rate studies and scaled to the same driver and coverage. Those insurers aren’t used for our cheapest-insurer rankings.
- What this isn’t: a quote. These are modeled filed rates for one driver profile. Your price depends on your ZIP code, vehicle, driving history, credit and discounts.
Coverage requirements come from the Texas Department of Insurance. We refresh these figures when new filed-rate data is released.
Frisco Car Insurance FAQ
For our benchmark driver, full coverage in Frisco averages about $199 a month ($2,388 a year) and state-minimum coverage about $71 a month ($857 a year), based on insurers’ filed rates as of August 31, 2026.
Auto Club (AAA) and State Farm are effectively tied for full coverage at about $172 and $174 a month. State Farm is cheapest for minimum coverage at about $63 a month.
Yes. Full coverage averages $2,388 a year in Frisco and $2,850 in Dallas for the same driver, about $39 a month less.
Frisco, slightly. In our data, full coverage averages $2,388 a year in Frisco and $2,493 in Plano.
The Texas minimum is 30/60/25 liability, meaning $30,000 for each injured person, $60,000 for all injuries in one crash and $25,000 for property damage. Your policy will also include PIP and uninsured/underinsured motorist coverage unless you turn them down in writing.
Only comprehensive coverage, which is part of full coverage, pays for hail damage to your own car.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
