Auto Insurance Made Simple.
Get the right coverage for your vehicle, your budget, and your peace of mind. Liability, collision, comprehensive, and more — from a local agency that knows Frisco roads.
Auto Insurance in Frisco — By the Numbers
Based on Texas Department of Insurance (TDI) data and local market trends.
Avg. Annual Premium
Average auto insurance premium in Frisco — varies by coverage, vehicle, and driving history (TDI data).
Vehicles Registered
Over 100,000 vehicles registered in Collin County — high traffic density means higher risk.
Uninsured Drivers in TX
Approximately 14% of Texas drivers are uninsured — uninsured motorist coverage is essential.
Bundle Discount
Average savings when bundling home and auto insurance — a significant opportunity for Frisco homeowners.
What Auto Insurance Covers
Auto insurance is made up of several coverage types. Here's what each one protects — and why you need them.
Liability Coverage
Required by Texas law. Pays for injuries and property damage you cause to others. Texas minimums are 30/60/25 — often insufficient. We recommend higher limits like 100/300/100.
Collision Coverage
Covers damage to your vehicle from a collision — regardless of fault. Required if you have a car loan or lease. Choose your deductible wisely.
Comprehensive Coverage
Covers non‑collision damage — theft, vandalism, fire, hail, flooding, and falling objects. In North Texas, where hail is common, this is especially valuable.
Uninsured/Underinsured Motorist
Protects you if you're hit by a driver with no insurance or insufficient coverage. With ~14% of Texas drivers uninsured, this is essential.
Medical Payments (MedPay)
Covers medical expenses for you and your passengers after an accident — regardless of fault. Provides quick access to funds for immediate care.
Rental Reimbursement & Roadside
Rental reimbursement pays for a rental car during repairs. Roadside assistance covers towing, jump‑starts, flat tires, and lockouts.
Texas Auto Insurance Requirements — And Why Minimums Aren't Enough
Texas law sets minimum auto insurance requirements, but these limits are often too low to protect your assets in a serious accident.
Texas Minimum Liability
- 30/60/25: $30,000 per person, $60,000 per accident, $25,000 property damage.
- Barely covers a basic accident with moderate injuries.
- Leaves your personal assets exposed to lawsuits.
- Does not cover your own injuries or vehicle damage.
Recommended Coverage for Frisco Drivers
- 100/300/100: $100,000 per person, $300,000 per accident, $100,000 property damage.
- Provides meaningful protection against serious injury claims.
- Helps protect your home, savings, and future income.
- Often pairs with an umbrella policy for $1M+ in total liability protection.
Important: If you cause an accident and your liability limits are exceeded, you can be personally sued for the remaining amount. Your home equity, savings, and future wages could be at risk.
Driving Risks in Frisco — What You Should Know
Congestion & High Traffic Volume
Frisco's population has surged past 200,000, and the roads haven't always kept pace. The Dallas North Tollway, Preston Road, and Eldorado Parkway see heavy traffic daily. More cars on the road mean more accidents. Having adequate liability and collision coverage is essential.
Severe Weather & Road Conditions
North Texas weather can change rapidly. Heavy rain causes hydroplaning. Winter freezes can turn roads into ice rinks. Hail can damage vehicles. Comprehensive coverage protects against hail and flood damage.
Uninsured & Distracted Drivers
Texas has a significant uninsured driver problem — about 14% of drivers are uninsured. If you're hit by an uninsured driver, your uninsured/underinsured motorist coverage pays for your injuries and property damage.
Illustrative Claim Scenario — How Auto Insurance Works
The following is a hypothetical example designed to illustrate how an auto policy responds to a common loss.
The Scenario
A Frisco driver is rear‑ended at a stoplight on Preston Road. The other driver is at fault but has minimum coverage. The insured driver has 100/300/100 liability, collision, comprehensive, and uninsured/underinsured motorist coverage.
How the Policy Responds
- Liability: Pays the other driver's damages (if any).
- Collision: Pays to repair the insured's vehicle — $8,000 damage, minus $500 deductible.
- UM/UIM: Not triggered if the other driver has insurance.
- Medical Payments: Covers $2,000 in medical bills for the insured driver.
- Out‑of‑Pocket: The insured driver pays only the $500 deductible.
Key Takeaway: With the right coverage, this driver was fully protected. Without collision and medical payments, they would have faced $10,000 in out‑of‑pocket expenses.
Save on Auto Insurance — Discounts You May Qualify For
Home & Auto Bundle
Bundle your home and auto policies with the same carrier and save 15–25% on both premiums.
Safe Driver & Good Student
Good driving records can earn significant discounts. Students with a B average or above often qualify for good student discounts.
Anti‑Theft & Safety Features
Vehicles with anti‑theft devices, airbags, anti‑lock brakes, and advanced driver assistance systems may qualify for additional discounts.
Auto Insurance — Frequently Asked Questions
Every question answered in plain view — no accordions, no hidden content.
InsureMyFriscoHome.com
Address: 425 Old Newman Rd, Ste 204, Frisco, TX 75036
Phone: 972‑987‑1628
Hours: Mon–Fri 8:00 AM – 6:00 PM
Conveniently located off Preston Rd near Frisco Square — easy access from the Dallas North Tollway.
Serving All of Collin County
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