If you're living in Frisco, you've probably noticed something: this city doesn't stop growing. What was once a quiet Dallas suburb has exploded into one of the fastest-growing cities in America, with a population that's jumped from 100,000 in 2010 to over 237,000 today. That growth brings exciting opportunities—new restaurants, entertainment venues, top-rated schools—but it also brings more cars, more traffic, and more reasons to make sure your auto insurance is up to the task.
Here's what you need to know about protecting yourself and your family on Frisco's increasingly busy roads.
Understanding Texas's Minimum Insurance Requirements
Texas law requires every driver to carry what's called 30/60/25 liability coverage. Let's break down what those numbers actually mean. The first number—$30,000—covers medical bills for one person you injure in an accident you cause. The second number—$60,000—is the maximum your policy will pay for all injuries in a single accident. The third number—$25,000—covers property damage, like the other driver's car, a fence you hit, or a guardrail you clip.
Here's the thing most Frisco drivers don't realize: those minimums are really, really low. A single trip to the emergency room can easily exceed $30,000. A new pickup truck or SUV—which you see everywhere in Frisco—can cost $50,000 or more to replace. If you cause a serious accident with just minimum coverage, you could be personally responsible for tens of thousands of dollars in damages that your insurance won't cover.
Because Texas is an at-fault state, the driver who causes the accident is financially responsible for the damage. Your liability coverage protects you from those costs—but only up to your policy limits. That's why most insurance experts recommend carrying at least 100/300/100 coverage if you can afford it, especially in a growing, affluent area like Frisco where the cars around you are expensive and medical costs are high.
Navigating Frisco's Traffic Reality
The Dallas North Tollway is Frisco's main artery, connecting residents to Dallas, Plano, and Denton. More than 150,000 vehicles use it every single day. If you commute during rush hour—roughly 7 to 9 a.m. or 4:30 to 6:30 p.m.—you know the tollway can turn into a parking lot. Traffic congestion is expected to increase by 22% by 2045, and travel times in Collin County could jump by 92% by 2050.
Heavy traffic means more chances for fender benders, rear-end collisions, and merge accidents. That's where collision coverage becomes important. While Texas only requires liability insurance, collision coverage is what pays to repair your own vehicle if you're in an accident—regardless of who's at fault. If you're financing or leasing your car, your lender will require it. But even if you own your car outright, collision coverage can save you thousands if you're hit by someone with minimal insurance or if you're in an at-fault accident.
Comprehensive coverage is the other piece of the puzzle. It covers non-collision damage: hail storms, theft, vandalism, or hitting a deer on one of Frisco's newer roads that border undeveloped land. North Texas is no stranger to severe weather, and hail damage alone can total a vehicle. Comprehensive coverage gives you peace of mind that you're protected from more than just accidents.
Insurance Costs in Frisco: What to Expect
Auto insurance costs in Frisco vary widely depending on your age, driving record, the car you drive, and even your ZIP code. On average, Frisco drivers pay between $1,528 and $2,400 per year for full coverage. That's roughly $127 to $200 per month. Minimum coverage is cheaper—around $82 to $127 per month—but as we've discussed, minimum coverage leaves you dangerously exposed.
Young drivers face the steepest rates. If you have a teen driver in your household, expect to see your premium jump significantly—sometimes by more than 130%. This is one reason shopping around is so important. Some insurers specialize in good student discounts, while others offer better rates for safe driving courses.
Frisco's family-friendly reputation means many households have multiple cars to insure. The good news? Multi-car discounts can save you 10% to 25% on your total premium. Bundling your auto insurance with your homeowners or renters policy can net you even more savings. If you've got two cars, a home, and a teen driver, working with a local independent agent who can compare rates across multiple carriers is one of the smartest moves you can make.
Finding the Right Coverage for Your Family
Frisco is a community built for families. Great schools, parks, sports complexes—it's one of the reasons people move here. But with a median household income of $146,158, many Frisco families also have significant assets to protect. That's where umbrella insurance comes into play. An umbrella policy provides an extra layer of liability protection—typically $1 million or more—that kicks in after your auto or homeowners policy limits are exhausted.
Think about it this way: if you cause a serious accident and you're found liable for $500,000 in damages, but you only have $100,000 in liability coverage, you're personally on the hook for the remaining $400,000. That could mean losing your home, your savings, even future wages. An umbrella policy is surprisingly affordable—often $200 to $400 per year for $1 million in coverage—and it protects everything you've worked for.
You should also consider uninsured and underinsured motorist coverage. Not every driver on the road carries adequate insurance—or any insurance at all. If you're hit by someone without coverage, your uninsured motorist coverage steps in to pay for your medical bills and vehicle damage. In a state where minimum coverage is so low, underinsured motorist coverage is equally important. It covers the gap when the at-fault driver's policy isn't enough to cover your costs.
How to Get Started
Frisco has dozens of local insurance agencies—both independent agents who represent multiple carriers and captive agents who work for a single company like State Farm or Allstate. Independent agents are especially valuable because they can shop your policy across dozens of insurers to find you the best rate and coverage combination.
Start by reviewing your current coverage. Do you have the state minimum, or do you have higher limits? Do you have collision and comprehensive? What's your deductible? A higher deductible—say, $1,000 instead of $500—can lower your premium, but make sure you have enough savings to cover that deductible if you need to file a claim.
Next, get quotes from at least three different insurers. Rates can vary by hundreds of dollars for the exact same coverage. Ask about discounts: safe driver, multi-car, bundling, good student, defensive driving courses, and even discounts for paying your premium in full. Many insurers also offer usage-based programs that track your driving habits and reward safe driving with lower rates.
Frisco is a wonderful place to live, work, and raise a family. But with growth comes responsibility—and that includes making sure you're properly protected on the road. Don't wait until after an accident to find out your coverage isn't enough. Take the time now to review your policy, talk to a local agent, and get the coverage that fits your life. Your future self will thank you.
