Frisco, TX Car Insurance Rates
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By Sandra Cruz | Updated March 9, 2021
Frisco drivers pay an average of $117 per month for car insurance. However, your car insurance rates may vary due to your age, location, credit level, and gender. Comparing quotes between the best cheap auto insurers in your ZIP code is the best way to save on car insurance. Insurance Online is an insurance quote comarison engine that offers substantial savings on auto insurance. Read on to learn more about affordable Firsco, TX car insurance rates and how save on your next policy.
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How Much Does Car Insurance Cost in Frisco?
The average annual cost of car insurance in Frisco is $1,411. It is slightly lower than the statewide average of $1,415, and cheaper than the United State’s average of $1,548. However, every company provides different deals and policies. By comparing quotes from multiple Firsco car insurance companies, you can be sure to get best rate for coverage that suits your unique driving profile.
Firsco Car Insurance Rates by Insurer
Choosing the cheapest car insurance company in Frsico is not always an option if you reside in areas that are prone to theft, crime, or potential driving hazards and if you have a past violation on your record. However, if you have a clean driving history, it is likely for you to receive cheaper quotes. GEICO has the most affordable car insurance rates around Frisco, TX and offers some of the most reliable coverage and customer service.
Frisco Car Insurance Rates by Company
| Company Name | Monthly Rate | Yearly Rate |
|---|---|---|
| GEICO | $101 | $1,221 |
| USAA | $102 | $1,229 |
| State Farm | $108 | $1,302 |
| Allstate | $188 | $2,265 |
Frisco Auto Insurance Rates by Age Bracket
A driver’s age is accounted for by insurance companies to judge their driving capabilities. Frisco drivers in their fifties pay lower rates, while drivers in their sixties pay slightly higher rates. On the other hand, teenage drivers in Frisco are considered high-risk drivers. Thus, they have the highest rates, with a substantial price gap between age groups. However, they will be entitled to a significant rate decrease on their 20th birthday.
Frisco Auto Insurance Cost by Age Group
| AGE GROUP | Monthly Rate | Annual Rate |
|---|---|---|
| Teenagers | $305 | $3,660 |
| 20s | $153 | $1,839 |
| 30s | $115 | $1,388 |
| 40s | $112 | $1,351 |
| 50s | $102 | $1,228 |
| 60s | $106 | $1,275 |
| 70s | $131 | $1,581 |
Frisco Car Insurance Rates by Marital Status and Gender
Marital status and gender contribute to car insurance rates in Frisco, TX. Many married drivers in Frisco pay lower rates than single drivers. Married drivers are considered more responsible on the road and more financially stable. Additionally, widowed drivers pay lower rates than single drivers.
Male drivers in Frisco, TX, pay $5 more than female drivers. Female drivers are considered more responsible and have cleaner driving histories than males. Hence, female drivers are given a $5 price cut in their insurance rates.
Frisco, TX Car Insurance Cost by Marital Status and Gender
| Gender | Monthly Rate | Yearly Rate |
|---|---|---|
| Female | $117 | $1,406 |
| Male | $118 | $1,411 |
| Marital Status | Monthly Rate | Yearly Rate |
|---|---|---|
| Single | $110 | $1,321 |
| Married | $110 | $1,321 |
| Divorced | $118 | $1,411 |
| Widowed | $107 | $1,287 |
Frisco Car Insurance Rates After an Accident or Violation
Your driving record impacts your car insurance costs in Frisco. If you are found guilty of driving recklessly or speeding, your insurance premium will substantially increase.
An additional $797 will be added to your yearly Frisco auto insurance policy if you are given a reckless driving citation, while a $121 rate hike will be added to your annual rate for speeding. On the other hand, DWI/DUI violators will receive an additional $814 on their annual rates. Thus, it is essential to maintain a clean driving history to access a cheaper car insurance rate in Frisco.
Frisco Car Insurance Rates by Accident or Violation
| Violation | Monthly Rate | Annual Rate |
|---|---|---|
| DWI/DUI | $185 | $2,224 |
| Reckless Driving | $184 | $2,207 |
| At-Fault Accident (less than $1000 damages) | $150 | $1,799 |
| At-Fault Accident (greater than $2000 damages) | $179 | $2,150 |
| Speeding Ticket (over 16-20 mph over speeding limit) | $128 | $1,532 |
Frisco Car Insurance Rates by Credit Level
Frisco auto insurance companies account for credit score when providing quotes. If a driver elevates their credit score from “Very Poor” (300-579) to “Exceptional” (800-850), it can result in as much as 61% savings on their car insurance rates. Moreover, if you take a small leap towards the “Fair” credit tier from the “Very Poor” tier, this will also gain you significant savings on your yearly rate in Frisco, with decreases as large as $1,234.
Average Frisco Car Insurance Rates by Credit Level
| Credit Score | Monthly Rate | Annual Rate |
|---|---|---|
| Very Poor | $250 | $2,994 |
| Fair | $147 | $1,760 |
| Good | $118 | $1,411 |
| Very Good | $109 | $1,308 |
| Exceptional | $97 | $1,158 |
Friisco Car Insurance Rates by Location
Location is another contributing factor to your car insurance rate in Frisco. If you live in areas considered high-risk, it is likely for your car insurance rate to increase. Certain places in Frisco are prone to accidents, theft, crime, and uninsured motorists. These areas have more expensive rates in comparison to areas considered lower-risk.
Frisco Driving and Weather Conditions
Weather conditions trigger lots of vehicular accidents in Frisco. Drivers may experience wet brakes, slick roads, low-visibility, and other driving hazards during bad weather.
Frisco experiences several rainy days annually with occasional thunderstorms and flash floods. Therefore, inclement weather is one of the causes of car accidents in the region and insurance companies calculate this as a potential risk when filing a quote.
List of Car Insurance Companies in Frisco
Frisco, TX Car Insurance FAQs
Is it a requirement to have insurance before changing the car title in Frisco?
Since it is required in Texas to have car insurance, you must acquire insurance first before changing the title.
Can undocumented immigrants buy car insurance in Frisco, TX?
Yes. It is possible for undocumented individuals to buy car insurance in Frisco, but it will be challenging. Insurance companies typically check the background of their potential clients, and for undocumented immigrants, it will be more difficult and expensive.
Is it possible to insure a salvage title car in Frisco, TX?
Yes, it can be insured but it will be expensive due to the added risks it poses for the company.
Sandra Cruz | Linkedin
Based in Newport Beach, CA, Sandra has been a licensed insurance agent in California and Texas for 5 years and is an editor and writer specializing in all types of insurance matters. Sandra is Insurance Online's authority on auto, home, and business insurance and has been featured in publications such as Forbes, Yahoo! Finance, and US World News Report.