If you're shopping for car insurance in Frisco, you're probably wondering what other drivers in your area are paying. The good news? Frisco residents typically enjoy rates that are slightly below what Dallas drivers pay, and a bit under the national average too. Here's what you need to know about car insurance costs in one of Texas's fastest-growing cities.
Frisco drivers pay an average of $1,400 to $1,500 per year for full coverage auto insurance. That breaks down to roughly $117 to $125 per month. For minimum coverage, you're looking at around $500 annually, or about $42 per month. These figures put Frisco about $14 below the national average—a small but welcome savings that reflects the city's relatively low crime rates and strong community infrastructure.
Why Frisco Rates Are Lower Than Dallas
Insurance companies look at your ZIP code closely when calculating your premium. Frisco's location in Collin County works in your favor. Compared to Dallas County, Collin County has lower accident rates and less vehicle theft. That means insurers see Frisco drivers as slightly less risky, and they price accordingly.
Plano and McKinney drivers see similar savings for the same reasons. All three cities benefit from Collin County's family-oriented communities, newer infrastructure, and well-maintained roads. While individual rates vary based on your personal driving history and the car you drive, living in Frisco gives you a baseline advantage over drivers in denser urban areas.
The Multi-Vehicle Reality in Frisco
Here's something that might surprise you: most Frisco households own two or more vehicles. In fact, data shows that the largest share of households in the city have exactly two cars. That makes sense when you consider that 75% of Frisco households are families, and the median household income sits at $146,158—well above the national average.
This is where bundling becomes essential, not optional. If you're insuring multiple vehicles—say, your sedan and your spouse's SUV—you need to ask about multi-car discounts. State Farm offers up to 20% off when you insure two or more vehicles on the same policy. That discount alone can save a typical Frisco family several hundred dollars per year.
But don't stop there. Bundling your auto insurance with your homeowners or renters policy unlocks even bigger savings. State Farm leads the pack in Texas with a 26% bundling discount, which can translate to $1,356 in annual savings. Even more modest bundling discounts from other carriers typically range from 10% to 25%, saving Texas policyholders an average of $1,190 per year. Given that 65.7% of Frisco households are owner-occupied, bundling home and auto is a no-brainer for most residents.
DNT Commuters and Telematics Programs
If you commute via the Dallas North Tollway, you're likely racking up consistent, predictable miles in a relatively controlled environment. Tollway driving tends to be smoother and safer than stop-and-go surface street traffic. That's exactly the kind of driving pattern that telematics programs reward.
Telematics—sometimes called usage-based insurance—uses a smartphone app or plug-in device to monitor how you drive. Insurers track things like speed, braking, time of day, and phone use while driving. If you're a safe, consistent driver, you can save money. According to a 2024 Consumer Reports survey, the median annual savings from telematics is $120. Families with young drivers save even more—a median of $245 per year.
Here's the catch: only 28% of policyholders even know their insurer offers a telematics program. If you've never been asked about it, bring it up when you shop for quotes. Popular programs include Allstate's Drivewise, Progressive's Snapshot, and State Farm's Drive Safe & Save. Just be aware that these programs do collect data on your driving habits, and Texas's new data privacy laws mean you should ask how your information will be used and shared.
What Affects Your Rate in Frisco
Even though Frisco enjoys lower average rates, your personal premium depends on several key factors. Your age matters—a lot. Young drivers in Frisco can expect to pay around $1,331 per year with State Farm, which is 132% higher than what adult drivers pay. That's because teen and young adult drivers statistically have more accidents.
Your driving record is equally important. A DUI on your record can push your annual premium to $941 with State Farm—a 64% increase over a clean record. An at-fault accident raises your rate to about $679 per year. Even a single speeding ticket can bump your premium by 10% to 20%, depending on the severity.
Credit score also plays a role in Texas. Insurers use credit-based insurance scores to predict the likelihood of filing a claim. Frisco's high median income and strong homeownership rates suggest many residents have solid credit, which helps keep rates lower. If your credit isn't great, improving it can directly lower your insurance costs over time.
Finally, the vehicle you drive matters. Insuring a new SUV costs more than insuring a five-year-old sedan. Safety features like automatic emergency braking and blind-spot monitoring can earn you discounts, while high-performance sports cars will increase your premium. Ask your agent about vehicle-specific discounts when you get a quote.
How to Get the Best Rate in Frisco
Start by shopping around. State Farm consistently offers the cheapest rates in Texas, with full coverage starting at $1,118 per year and minimum coverage at just $497 annually. But don't assume one company is best for everyone. Get quotes from at least three insurers and compare coverage levels, not just price.
Ask about every available discount. Beyond multi-car and bundling discounts, you might qualify for savings based on your profession, membership in certain organizations, completing a defensive driving course, or having safety features in your car. Some insurers offer discounts for paying your premium in full upfront or setting up automatic payments.
Consider telematics if you're confident in your driving habits. Even a $120 annual savings adds up over time, and if you have a young driver on your policy, the $245 average savings can significantly offset their higher base rate.
Finally, review your coverage annually. Your needs change, and so do insurance rates. What was the best deal last year might not be this year. Set a reminder to shop around every 12 months, especially if you've improved your credit, paid off your car, or maintained a clean driving record. Those changes can unlock lower rates that you won't get unless you ask.
Frisco drivers have a lot working in their favor when it comes to car insurance—lower crime, safer roads, and strong community demographics. But the best rates don't find you; you have to go looking. Compare quotes, bundle your policies, and don't leave discounts on the table. A little effort can save you hundreds of dollars every year.
