Frisco, TX Car Insurance Quotes
Auto insurance costs you’ll see in Frisco, Texas can vary based on several factors, including your age, driving record, type of vehicle, coverage limits, and the insurance company you choose. We can help you compare car insurance quotes from top insurance providers fast for Frisco.
How Much Does Auto Insurance Cost in Frisco?
Drivers in Frisco, TX can expect to pay around $2,400 yearly for full coverage or $200 a month. If you are looking for state minimum coverage you can expect to pay around $1,257 yearly or $104 a month. Frisco residents may be able to also get car insurance discounts such as good student, clean driving record, as well as home, auto or boat insurance bundle savings.
| 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 |
Cheapest Frisco Car Insurance Companies
The cheapest car insurance providers in Frisco is USAA, Texas Farm Bureau, AAA and Progressive for the average middle-aged single person who drives a used 4 door car with a clean driving record.
Here is a breakdown from our cost database for yearly state minimum coverage and full coverage by insurance provider for a used vehicle:
| Insurance Provider: | State Minimum: | Full Coverage: |
|---|---|---|
| USAA | $568 | $1,910 |
| Texas Farm Bureau | $638 | $2,025 |
| AAA | $763 | $2,284 |
| Progressive | $782 | $2,472 |
| GEICO | $908 | $2,424 |
| State Farm | $942 | $2,610 |
| All State | $1,292 | $2,750 |
New Car Insurance Rates in Texas
The average cost for auto insurance for a newer 2022 – 2023 vehicle on average will cost $738 for state minimum coverage and $2,656 for a full coverage policy. Below you’ll find a breakdown insurance providers for both coverage types on a new vehicle:
| 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 TX
Age is a significant factor that affects Frisco auto insurance rates. Generally, younger and older drivers tend to pay higher premiums compared to drivers in the middle age group. Here’s how age can influence car insurance costs:
- Young drivers (under 25): Statistically, young and inexperienced drivers are more likely to be involved in accidents. They are also prone to riskier driving behaviors, such as speeding or distracted driving. As a result, insurance companies consider them higher risk, and their premiums are typically more expensive.
- Middle-aged drivers (25-65): This age group is generally considered to be more experienced and responsible behind the wheel. They are statistically involved in fewer accidents and tend to have lower insurance premiums compared to younger and older drivers.
- Senior drivers (65 and older): As drivers get older, their risk profile may change due to factors such as declining vision, slower reflexes, and potential health issues. Insurance companies may increase premiums for older drivers to reflect these factors and the increased likelihood of accidents.
Here is a comparison of the amounts you can expect to pay based on age in Texas – as you can see young drivers will pay much more on premiums until there is a significant drop in costs at age 29. Your auto policy continues to get cheaper until age 65 when it slowly starts increasing as you age.
| 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 to Choose the Best Auto Policy
When deciding which auto policy you need in Frisco, you’ll first want to determine a few things about the right type car insurance coverage you need and your price range.
- Minimum Coverage: The minimum car insurance coverage required by law in Texas includes $30,000 bodily injury liability per person, $60,000 bodily injury liability per accident, and $25,000 property damage liability. The average cost for minimum coverage in Frisco can range from $600 to $1,000 per year, depending on various factors.
- Full Coverage: Full coverage typically includes liability coverage (as mentioned above) along with comprehensive and collision coverage. Comprehensive coverage protects your vehicle from non-accident-related damage (e.g., theft, vandalism, natural disasters), while collision coverage covers damage caused by accidents. The cost of full coverage can vary significantly based on your vehicle’s value and other factors. On average, full coverage can cost around $1,200 to $2,500 per year in Frisco.
- Deductibles: The deductible is the amount you pay out of pocket before your insurance coverage kicks in. Choosing a higher deductible can help lower your premium, but it means you’ll have to pay more in the event of a claim. Deductible amounts typically range from $500 to $1,000.
- Discounts: Insurance companies offer various discounts that can help reduce your premium. Common discounts include safe driving records, multi-policy discounts (such as bundling car and home insurance), good student discounts, and discounts for vehicles with safety features. Be sure to inquire about available discounts when getting quotes.
- Comparison Shopping: It’s important to compare quotes from multiple insurance providers to find the best rates. You can do this by contacting insurance agents directly or using online comparison tools like Insurance Quotes to compare multiple quotes for fre.
Remember that the above estimates are general guidelines and can vary based on your specific circumstances. To get accurate quotes tailored to your situation, fill out or simple form to receive multiple quotes online fast.
