Car Insurance in Frisco, Texas
Estimated full coverage in Frisco runs about $2,105 a year ($175/month) — ▲ +11% versus the Texas average, ranking 5th most expensive of the 57 Texas cities we cover.
Why car insurance in Frisco costs more than the Texas average
Insurers price by territory, and Frisco's numbers explain most of the gap. With 235,208 residents on 68.6 square miles, the city's density (3,429 people per square mile) is 5.1 times the density where the typical Texas resident lives (670). The average commute is 28.6 minutes (Texas: 26.7), and 54% of workers drive alone. Together these put our location factor at 1.11× the state baseline for liability and collision.
| Factor | Frisco | Texas ref. | Why it matters |
|---|---|---|---|
| Population density | 3,429 / sq mi | 670 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 28.6 min | 26.7 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 7.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 53.5% | — | Share of workers commuting by car. |
| Public transit to work | 0.1% | — | Transit use lowers how much residents drive. |
| Work from home | 37.8% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 3.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 88.8 | 89.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Frisco
Rates can change from one ZIP code to the next. Across 4 Frisco ZIP codes, our full-coverage estimate ranges from $2,040 in 75034 to $2,145 in 75036. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 75035 | 89,682 | 3,601 | 29.4 min | 1.8% | $2,125 | +1% |
| 75034 | 53,818 | 3,375 | 24.9 min | 5.7% | $2,040 | −3% |
| 75033 | 52,795 | 2,407 | 30.9 min | 2.5% | $2,105 | 0% |
| 75036 | 33,496 | 3,090 | 31.6 min | 2.4% | $2,145 | +2% |
Minimum car insurance in Frisco
Frisco drivers follow Texas's rules: at least 30/60/25 liability coverage. Texas is at-fault (tort). We estimate state-minimum coverage in Frisco at $770 a year, and $1,075 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $30,000 per person / $60,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — All Texas auto policies include personal injury protection unless the policyholder rejects it in writing. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Insurers must offer uninsured/underinsured motorist coverage; rejecting it must be done in writing. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured protection is part of the uninsured/underinsured motorist coverage that must be offered. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical payments coverage is optional. | Medical bills for you and your passengers |
Risk factors that shape Frisco premiums
Accidents
Texas recorded 4,160 traffic deaths, or 1.35 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Texas's vehicle theft rate is 248 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Collin County as very high for hail, relatively high for inland flooding and relatively high for strong wind, and relatively low for hurricanes.
Traffic & commuting
7.1% of Frisco commuters spend an hour or more getting to work, and there are 1.90 vehicles per household. 37.8% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 99.9 | Comprehensive; dwelling | |
| Hurricane | 59.7 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 96.8 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 87.7 | Comprehensive; dwelling | |
| Winter weather | 91.1 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Frisco by driver profile
A clean-record driver in their 50s pays the least in our Frisco model (about $1,935 for full coverage); an 18-year-old on their own policy pays about $5,790, and a DUI pushes a 30-something to $3,895.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $2,115 | $2,950 | $5,790 | $483 |
| Young adult (22) | $1,230 | $1,715 | $3,370 | $281 |
| Adult in their 30s | $770 | $1,075 | $2,105 | $175 |
| Adult in their 50s | $710 | $985 | $1,935 | $161 |
| Senior (72) | $860 | $1,200 | $2,360 | $197 |
| 30s, one at-fault accident | $1,115 | $1,555 | $3,055 | $255 |
| 30s, DUI on record | $1,425 | $1,985 | $3,895 | $325 |
Minimum vs. standard vs. full coverage in Frisco
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $770 | $64 | $630–$910 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,075 | $89 | $880–$1,265 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,105 | $175 | $1,725–$2,485 |
Estimate your premium in Frisco
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Cheap car insurance in Frisco: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Frisco's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $145 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $145 | You're among the 37.8% of Frisco workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $565 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $1,030 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $465 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Frisco
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 67 offices listed below.
- Check complaint records with the Texas Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Frisco, our estimates differ by up to $105 a year between neighborhoods.
Car insurance agents near Frisco, TX
We found 67 insurance offices within about 6 miles of central Frisco, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Marilyn Kuhlman - Farmers Insurance
7601 Main St, Frisco, TX 75034 -
Rob Johnson - Farmers Insurance
8641 5th St, Frisco, TX 75034 -
Chris Zeigler - Allstate
8750 Main St, Ste 203, Frisco, TX 75033 -
Jason Lane Binyon - Farmers Insurance
9741 Preston Rd, Frisco, TX 75033 -
Deborah Wolfgram - State Farm
8902 Preston Manor Drive, Frisco, TX 75033 -
Samantha Gandy - Farmers Insurance
8018 Preston Rd, Frisco, TX 75034 -
Jason Ruiz - State Farm
5750 Genesis Ct, Ste 210, Frisco, TX 75034 -
Milagros Castro - Allstate
7000 Parkwood Blvd, Ste A400, Frisco, TX 75034 -
Jonathan Allan Roberts - Farmers Insurance
7000 Parkwood Blvd, Frisco, TX 75034 -
Brian David Berridge - Farmers Insurance
4645 Wyndham Ln, Frisco, TX 75033 -
Christine D Degele - Farmers Insurance
4645 Avon Ln, Frisco, TX 75033 -
Kim Lee Wallace - Farmers Insurance
4300 Punjab Way, Frisco, TX 75033 -
Rick Hittle - State Farm
11330 Legacy Dr, Suite 101, Frisco, TX 75033 -
Ann R Anderson - Farmers Insurance
6500 Preston Rd, Frisco, TX 75034 -
Jay Haidari - Allstate
5899 Preston Rd, Ste 104, Frisco, TX 75034 -
Laurie Leon - State Farm
3388 Main Street, Suite 300, Frisco, TX 75033 -
Allstate
TX -
Russell L Key - Farmers Insurance
2770 Main St, Frisco, TX 75033 -
AAA - American Automobile Association
4760 Preston Road, #208, Frisco, TX 75034 -
Melissa Cazares Bankard - Farmers Insurance
8765 Stockard Dr, Frisco, TX 75034 -
John Betty Insurance Inc.
9555 Lebanon Rd, #202, Frisco, TX 75035 -
Fabio Fernandez - State Farm
2626 Stonebrook Parkway, Suite 300, Frisco, TX 75034 -
Jodie Sue Satterfield - Farmers Insurance
9300 John Hickman Pkwy, Frisco, TX 75035 -
Craig Allen Rose - Farmers Insurance
5 Cowboys Way, Frisco, TX 75034 -
Mike L Ridley - Farmers Insurance
8380 Warren Pkwy, Frisco, TX 75034 -
McCrea Miller - Farmers Insurance
3201 Dallas Pkwy, Frisco, TX 75034 -
Adrian Charles Hamilton - Farmers Insurance
2601 Network Blvd, Frisco, TX 75034 -
Melanie Horton - Allstate
2591 Dallas Pkwy, Ste 300, Frisco, TX 75034 -
John A Hamidi - Farmers Insurance
2591 Dallas Pkwy, Frisco, TX 75034 -
Jessica Johnston - Allstate
425 Old Newman Rd, Ste 204, Frisco, TX 75036 -
Christopher Andrew Stiles - Farmers Insurance
400 Stonebrook Pkwy, Frisco, TX 75036 -
Jessenia Kenneth Ocon - Farmers Insurance
12800 Westridge Blvd, Frisco, TX 75035 -
Justin Bigby - State Farm
2601 Little Elm Pkwy# 1004, Little Elm, TX 75068 -
Kay Patel - State Farm
11583 Independence Pkwy, #400, Frisco, TX 75035 -
Vijaya Bhaskar Reddy Sureddy - Farmers Insurance
2601 Little Elm Pkwy, Little Elm, TX 75068 -
Scott Cato - Allstate
1701 Legacy Dr, Ste 2006, Frisco, TX 75034 -
Bethlehem Tefera - Farmers Insurance
5850 Town And Country Blvd, Frisco, TX 75034 -
State Farm
TX -
Ulises Cicciarelli - Farmers Insurance
8240 Preston Rd, Plano, TX 75024 -
Chadwick Williamson - Allstate
9925 Gillespie Dr, Ste 4400, Plano, TX 75025
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Frisco
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,580 | −25% |
| Subaru Outback | Wagon | $1,585 | −25% |
| Tesla Model 3 | Midsize car | $2,190 | +4% |
| Subaru Forester | Small SUV | $1,550 | −26% |
| Honda Civic | Compact car | $2,375 | +13% |
| Toyota Corolla | Compact car | $2,225 | +6% |
| Jeep Wrangler | Midsize SUV | $1,725 | −18% |
| Mazda CX-5 | Small SUV | $1,765 | −16% |
| MINI Cooper | Subcompact car | $1,590 | −24% |
| Tesla Model Y | Midsize SUV | $1,975 | −6% |
Car insurance in nearby Texas cities
- Plano $2,065/yr · 8 mi
- Allen $2,120/yr · 9 mi
- McKinney $2,085/yr · 10 mi
- Lewisville $2,030/yr · 11 mi
- Carrollton $2,030/yr · 12 mi
- Richardson $2,040/yr · 14 mi
- Denton $1,940/yr · 19 mi
- Garland $2,160/yr · 20 mi
- Irving $2,040/yr · 22 mi
- Southlake $1,955/yr · 23 mi
- Dallas $2,070/yr · 25 mi
- Mesquite $2,165/yr · 31 mi
All Texas cities and state rules · Homeowners insurance in Frisco
Frequently asked questions
How much is car insurance in Frisco, TX?
We estimate full coverage in Frisco at about $2,105 a year ($175 a month) for a driver in their 30s with a clean record, and about $770 for Texas's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Frisco more expensive than the Texas average?
Our Frisco estimate is 11% higher than the statewide figure. The model reflects a population density of 3,429 people per square mile (the typical Texas resident lives at about 670) and an average commute of 28.6 minutes versus 26.7 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Frisco?
Drivers in Frisco follow Texas law: at least 30/60/25 liability coverage.
Which ZIP code in Frisco has the cheapest car insurance?
Among Frisco's 4 ZIP codes, 75034 has the lowest estimate (about $2,040 a year for full coverage) and 75036 the highest (about $2,145), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Frisco?
An 18-year-old with their own full-coverage policy would pay around $5,790 a year in Frisco by our estimate ($2,115 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Frisco?
Yes. FEMA's National Risk Index rates Collin County for hail (very high), inland (river) flooding (relatively high), and tornado (very high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Frisco?
We list 67 insurance offices in and around Frisco, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Texas Department of Insurance: Auto insurance guide
- Texas DPS: Section 9 - SR-22 (Proof of Financial Responsibility)
- HelpInsure.com (TDI): Find and compare auto insurance policies
- Texas Department of Insurance: Get help with an insurance complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Frisco and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places