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Car Insurance in Frisco, TX [Cheap Rates + Best Coverage]

Frisco City Summary Stats
Population 177,286
Density 2,537 per square mile
Average Cost of Car Insurance $5,636
Cheapest Car Insurers USAA and State Farm

Home to railroad museums, video game museums, and other unique antique displays, Frisco is a fast-growing city located in the Dallas-Fort Worth area. To drive around Frisco and the surrounding areas, though, you need to make sure you are well protected with decent car insurance.

Good car insurance can be hard to find, however, and you may be wondering where to start. To help you find good insurance at a good price, our guide will cover everything you need to know about insurance in Frisco.

We will also go over important living statistics and driving laws so that you are prepared for possible crime and can avoid tickets.

If you want to start comparison shopping today, you can enter your ZIP code in our free tool above.

Table of Contents

The Cost of Car Insurance in Frisco

Owning a car is expensive. Between the price of the car, maintenance, and gas, some people are tempted to forgo insurance or get the cheapest insurance possible.

But decent car insurance doesn’t have to be horribly expensive. By understanding what changes rates and which companies have the best rates, the cost of car insurance can be brought down to a reasonable level.

To bring you the best data on rates, we’ve partnered with Quadrant to bring you the following data on rates in Frisco.

So if you want to understand how to save on car insurance in Frisco, keep reading.

Male Versus Female Versus Age

Age and gender are some of the first things insurers look at to determine their rates. Age is an easy one, as drivers who are older have more experience behind the wheel.

Data USA found that the average age in Frisco is 36.5 years. This means most drivers have the second-cheapest rate out of all the age groups.

Take a look at what Frisco drivers tend to pay by age in the table below.

Frisco Rates by Age Average Cost
17-year-olds $7,538.40
25-year-olds $3,037.35
35-year-olds $2,441.63
60-year-olds $2,320.68

Sixty-year-old drivers pay about $5,000 less than 17-year-old drivers. This is a huge difference, but it makes sense when you consider how much riskier teen drivers are than older drivers.

Gender also has a fairly marked impact on rates.

  • Male average premium in Frisco is $3,834
  • Female average premium in Frisco is $3,627

Why do males pay more? Well, contrary to popular belief, studies have shown that males are riskier drivers than females. As a result, insurers charge males slightly more.

You can see how gender rates and age rates combine in the table below.

Demographic Average Premium
Married 60-year-old Female $2,258.77
Married 60-year-old Male $2,382.59
Married 35-year-old Female $2,406.79
Married 35-year-old Male $2,476.47
Single 25-year-old Female $2,954.99
Single 25-year-old Male $3,119.72
Single 17-year-old Female $6,890.26
Single 17-year-old Male $8,186.55

The difference in premiums between genders grows smaller as drivers age. This is because male drivers become better as they age, resulting in insurers dropping rates to a more reasonable level.

Cheapest ZIP Codes in Frisco

If you’ve moved around a lot in your life, you’ve probably noticed how your car insurance rates can change, even if you stay with the same insurer. These rate changes are because insurers evaluate risks in your area, such as natural disasters, crime, and crash statistics.

To see where the cheapest ZIP codes are in Frisco, take a look at the table below.

ZIP Code Rate
75035 $5,596.94
75033 $5,622.59
75034 $5,689.38

Frisco is a smaller city, which is why there are only three ZIP codes total. This is a good thing, as the change in rates is less than $100. So if you move to a new home in Frisco, you shouldn’t have to worry about a drastic rate change because you’re in a new neighborhood.

What’s the best car insurance company in Frisco?

To answer this question, we are going to go deeper into rates in Frisco. We will look at what changes rates at companies, from yearly commute distances to driver records.

This way, you can see at a glance which companies will charge you more and which companies will save you money.

Cheapest Car Insurance Rates by Company

We went over demographics earlier, but now we want to show you just how much companies vary in how much they charge different genders and ages.

Group Single 17-year-old Female Single 17-year-old Male Single 25-year-old Female Single 25-year-old Male Married 35-year-old Female Married 35-year-old Male Married 60-year-old Female Married 60-year-old Male Average
Allstate $9,347.28 $11,243.72 $4,270.87 $4,428.61 $3,459.42 $3,476.17 $3,411.24 $3,411.24 $5,381.07
American Family $7,455.97 $9,725.52 $3,894.14 $4,442.79 $2,656.64 $2,976.19 $2,540.91 $2,926.67 $4,577.35
GEICO $5,722.77 $5,896.49 $2,754.63 $2,736.36 $2,533.90 $2,749.00 $2,449.53 $2,809.00 $3,456.46
Nationwide $6,462.79 $8,281.71 $2,639.59 $2,853.15 $2,235.64 $2,267.74 $1,975.79 $2,087.73 $3,600.52
Progressive $9,283.88 $10,358.94 $2,649.36 $2,706.57 $2,222.08 $2,129.88 $1,981.48 $2,018.75 $4,168.87
State Farm $5,204.97 $6,660.74 $2,299.50 $2,365.01 $2,104.58 $2,104.58 $1,882.55 $1,882.55 $3,063.06
USAA $4,754.14 $5,138.71 $2,176.81 $2,305.54 $1,635.25 $1,631.72 $1,569.86 $1,542.22 $2,594.28

It’s important to shop around based on your demographic, as a company that has a cheaper average overall may actually charge more for your demographic.

For example, State Farm has a cheaper overall rate than Geico, but Geico charges 17-year-old males less than State Farm.

Best Car Insurance for Commute Rates

Most drivers in Texas travel an average of 15,533 miles a year, which is a long commute distance. Since drivers who are on the road more have a greater risk of being in a crash, some insurers charge drivers more if they have long commutes.

Company 10 Miles (6,000 Annually) 25 Miles (12,000 Annually)
Allstate $5,245.00 $5,517.14
American Family $4,577.35 $4,577.35
Geico $3,394.54 $3,518.38
Nationwide $3,600.52 $3,600.52
Progressive $4,168.87 $4,168.87
State Farm $3,063.06 $3,063.06
USAA $2,561.83 $2,626.73

If an insurer charges more for a long commute, this doesn’t necessarily mean it’s cheaper to go to a company that doesn’t charge more for a long commute.

Often, those who don’t charge for a long commute already have more expensive rates. So make sure to consider the final price rather than the rate increase.

Best Car Insurance for Coverage Level Rates

Finding a company that has affordable coverage can be hard. But purchasing medium or low coverage can backfire after an accident. To see which companies have the best rates for high coverage, take a look at the table below.

Company Low Coverage Medium Coverage High Coverage
Allstate $5,254.13 $5,333.46 $5,555.62
American Family $4,256.52 $4,407.84 $5,067.70
Geico $3,266.88 $3,418.35 $3,684.14
Nationwide $3,281.16 $3,451.60 $3,468.80
Progressive $4,008.92 $4,154.74 $4,342.95
State Farm $2,894.94 $3,056.82 $3,237.42
USAA $2,499.27 $2,583.33 $2,700.23

Allstate and American Family have the most expensive rates for high coverage, while USAA and State Farm have the cheapest. If you want to get affordable high coverage, you may want to look at some of the cheaper companies.

Best Car Insurance for Credit History Rates

A credit score is an indicator to insurers of how trustworthy clients will be at making payments. If drivers have a good credit score, they will be charged at a normal rate.

Company Good Credit Fair Credit Poor Credit
Allstate $4,301.97 $5,015.61 $6,825.62
American Family $3,496.58 $4,007.12 $6,228.35
Geico $2,009.23 $3,018.65 $5,341.49
Nationwide $3,022.31 $3,474.48 $4,304.57
Progressive $3,762.74 $4,056.58 $4,687.19
State Farm $2,152.85 $2,700.56 $4,335.77
USAA $1,782.27 $2,209.53 $3,791.04

At companies like American Family, a drop from good to poor credit costs about $2,500. This is fairly normal, but these high price increases make it even harder for drivers to improve their credit.

So if you have poor or fair credit, consider shopping around to find an insurer with cheaper rates, so you can focus on paying off credit card bills rather than insurance bills.

Best Car Insurance for Driving Record Rates

Your driving record is another important factor that insurers look at. If you have a poor driving record, you will be paying hundreds or thousands of dollars more than drivers with clean records.

Company Clean Record One Speeding Citation One Accident One DUI
Allstate $4,125.40 $4,125.40 $6,489.16 $6,784.31
American Family $4,153.49 $4,153.49 $5,337.40 $4,665.03
Geico $2,929.75 $3,769.92 $3,904.04 $3,222.13
Nationwide $3,123.55 $3,527.14 $3,123.55 $4,627.83
Progressive $3,639.93 $4,100.68 $4,691.83 $4,243.03
State Farm $2,704.05 $2,704.05 $3,124.45 $3,719.69
USAA $1,921.70 $2,206.47 $2,859.43 $3,389.51

Some companies charge more for an accident than a DUI, and vice versa. You may have noticed that Nationwide, though, doesn’t charge more for one at-fault accident.

This is because Nationwide is one of the companies that have accident forgiveness for qualifying drivers, which forgives drivers’ first at-fault accident with the company.

Car Insurance Factors in Frisco

Your credit score and driving record are somewhat in your control, but there are a number of factors that aren’t, such as your surroundings.

Insurers will determine how prosperous the area you live in is, the average salaries, poverty levels, and more.

Why?

Finding the answers to these factors helps insurers figure out how much to charge based on the prosperity of a city. So if you want to find out just how your surroundings in Frisco influence your insurance rates, read this section.

Median Household Income

Data USA found that the 2017 median household income in Frisco was $120,701. This high income is rare. The average income in Texas and the U.S. is only about $57,000, so Frisco really is a growing and prospering city.

It also means that Frisco residents are only spending about 4.6 percent of their income on car insurance, as the average cost of car insurance is $5,636 in Frisco.

This is a low percentage, as the norm is at least 10 percent. However, this is just an average estimate of what most people pay. Your percentage could be higher or lower depending on what you make and how much you pay for car insurance.

If you want to calculate the exact percentage of your income that you spend on car insurance, use our free percentage calculator below.

CalculatorPro

Homeownership in Frisco

Owning your home makes you seem more responsible to insurers. As a result of this perception, most insurers offer a discount to customers who bundle a home and auto policy with the company. This also makes it easier for customers to keep their different types of insurance organized, as they are protected under one provider.

So just how many Frisco residents own their homes?

In 2017, Data USA says that 74 percent of Frisco residents owned their homes. This is a high rate of homeownership, as the national percentage of homeownership is only 63.9 percent.

Most likely, the higher salaries in Frisco are what enable more people to purchase their homes. However, the average cost of a home in Frisco is $335,900, which is pricier than most homes in Texas.

Frisco’s rate is much more than the Texas average of $151,500, for example, but luckily, the higher price tags on homes in Frisco haven’t discouraged homeownership. So a number of residents are able to earn an auto and home bundling discount.

Education in Frisco

There are no universities in the city of Frisco. However, Frisco is near major cities like Dallas, which has both universities and community colleges. It is, therefore, possible to commute to a school outside of Frisco. You could also take online courses at a local university or community college, eliminating the commute altogether.

Wage by Race and Ethnicity in Common Jobs

We want to dig deeper into wages to see what different races and ethnicities earn in Texas. Below is Data USA’s information on wages for miscellaneous managers, as well as our approximation on what percentage is spent on car insurance.

Race or Ethnicity Miscellaneous Managers' Average Annual Salary Percentage Spent on Car Insurance
Asian $107,939 5.2%
White $103,761 5.4%
Two or More Races $89,714 6.2%
American Indian $74,900 7.5%
Black $73,311 7.6%
Other $64,955 8.6%
Other Native American $60,677 9.2%
Native Hawaiian and Other Pacific Islanders $49,959 11.2%

Asians are the highest paid in Texas, earning about 1.25 times more than whites. However, both Asians and whites spend only about five percent of their income on car insurance, while Native Hawaiians/Pacific Islanders spend 11 percent.

Wage by Gender in Common Jobs

The gender wage gap also contributes to marked differences in how much income goes to car insurance. Below is Data USA’s information on genders’ wages for common jobs in Texas.

Job Male Average Salary Percentage Spent on Car Insurance Female Average Salary Percentage Spend on Car Insurance
Miscellaneous Managers $113,924 4.9% $79,734 7.0%
Elementary and Middle School Teachers $51,746 10.8% $46,591 12.0%
Retail Salespersons $48,352 11.6% $31,348 17.9%
Drivers/Sales Workers and Truck Drivers $47,130 11.9% $34,651 16.2%
Cashiers $26,226 21.4% $20,277 27.7%

The average male employee in Texas earns 1.41 more than a female employee. As you can see, this greatly affects how much percentage of income is being spent on car insurance. Females will see much more of their income being eaten up by car insurance, as they have less money to spare.

Poverty by Age and Gender

Given the drastic differences in salaries between males and females, it makes sense that more females than males are living in poverty in Frisco. In 2017, Data USA says the largest demographics that were living in poverty were:

  1. Females, ages 6–11
  2. Females, ages 25–34
  3. Females, ages 35–44

Let’s take a look at what percentages of other gender and age groups live in poverty.

Age Percentage of Males Living in Poverty Percentage of Females Living in Poverty
<5 years 3.25% 4.12%
5 years 0.21% 0.90%
6 to 11 years 3.89% 11%
12 to 14 years 1.71% 1.38%
15 years 1.69% 0.84%
16 to 17 years 0.77% 1.36%
18 to 24 years 4.68% 5.6%
25 to 34 years 4.63% 10.1%
35 to 44 years 3.65% 8.17%
45 to 54 years 6.38% 5.78%
55 to 64 years 3.91% 4.55%
65 to 74 years 2.79% 4.09%
75+ years 3.24% 1.28%

The levels of poverty in Frisco are lower than in most parts of Texas. In fact, only 3.39 percent of the population living in poverty live below the poverty line.

This is much lower than the national average of 13.4 percent living below the poverty line. So Frisco’s prosperity and growth seem to be keeping abject poverty at bay and changing areas for the better.

Poverty by Race and Ethnicity

Let’s also take a look at Data USA’s 2017 data on poverty by race and ethnicity in Frisco.

  • 3,625 whites living in poverty
  • 1,778 Hispanics living in poverty
  • 893 other races living in poverty
  • 808 blacks living in poverty
  • 557 Asians living in poverty
  • 186 two or more races living in poverty
  • 16 Native Americans living in poverty

Whites and Hispanics have the highest numbers of those living in poverty, while Native Americans have the smallest amount of people living in poverty.

Employment by Occupations

According to Data USA, the most common employment occupations are:

  1. Management Occupations – 14,843 people
  2. Sales and Related Occupations – 10,710 people
  3. Computer and Mathematical Occupations – 7,908 people

From 2016 to 2017, the job force in Frisco grew at an impressive rate of 6.88 percent. The number of employees during this time increased from 72,600 employees to 77,600 employees.

Driving in Frisco

City driving is a unique experience. Long lines of honking vehicles, confusing intersections, and multiple highways usually crisscross cities. If you aren’t prepared for it, you may find your first few months of driving around the city frustrating.

Luckily, we are here to help. In this section, we will cover everything from roads to traffic in Frisco. So stick with us to learn how to navigate Frisco’s streets.

Roads in Frisco

The first topic we want to cover is Frisco’s roads. From major highways to traffic cameras, it is all covered here. This may seem like a boring subject, but a city’s roads can mean the difference between a smooth commute and banging your head on the steering wheel in frustration.

So keep scrolling to learn what to watch out for and what to avoid in the city of Frisco.

Major Highways

Twenty-five active routes run through the vast state of Texas, helping residents travel easily from one city to another with the active routes 3,500 miles of roadway.

Map of highway routes in Frisco

While none of these 25 major routes run right through Frisco, there are a number of smaller highways that connect Frisco to major cities and highways.

  • US 380
  • US 377
  • TX 289
  • TX 121

When traveling on these routes to other areas, though, you will run into toll roads. A number of toll roads are situated in the Dallas city area, such as on the President George Bush Turnpike.

The city of Frisco is served by the North Texas Tollway Authority (NTTA). If you want to save time and money going through tolls, consider getting a Toll Tag through the NTTA. These Toll Tag stickers are placed on your windshield, and you can also get a personalized sticker, such as a Toll Tag featuring the Dallas Cowboys.

According to the NTTA, “To open a TollTag account, there is an initial $40 payment for up to three TollTags. Customers are required to maintain a positive account balance, which can be monitored online. Accounts can be secured with a credit card, check or cash.”

Once you have the account set up and your Toll Tag sticker, you can go through cashless toll lanes. A Toll Tag also gives you the cheapest toll, which can save a significant amount over time if you go through tolls frequently.

Popular Road Trips and Sites

Been all over Frisco and are looking for something else to do? Below is a list of popular road trips to take in Texas that run near Frisco.

Remember, Frisco is also near Dallas. If you want to get a taste of the big city life, pay a visit to Dallas on the weekend.

Does Frisco use speeding or red-light cameras?

The state of Texas doesn’t allow the use of speeding cameras, and Governor Abbott signed a bill on June 2nd, 2019, that banned the use of red-light cameras in Texas.

While a few communities are still allowed to use red-light cameras until their contracts are up, Frisco is not one of those communities.

So you won’t see any red light or speeding cameras around the city of Frisco. Please don’t use this as an excuse to speed or run red lights, as these actions put both yourself and others in danger. In addition, there will still be law enforcement around the city making sure drivers follow driving laws.

So just because you don’t see a camera doesn’t mean you won’t end up with a pricey ticket.

Vehicles in Frisco

Owning a vehicle is a big responsibility: yearly tune-ups, insurance payments, gas money, and more. If you want to learn more about the risks of owning a vehicle in Frisco, this section is for you.

We will cover everything from cars owned to vehicle risks, such as the likelihood of your car being stolen in a Frisco neighborhood. So stick with us as we cover vehicles in Frisco.

Frisco Car Per Household

Data USA found that in 2017, the majority of households in Frisco owned two cars.

  • 54.1 percent of Frisco households owned two cars.
  • 20.1 percent of Frisco households owned three cars.
  • 14.5 percent of Frisco households owned one car.
  • 7.94 percent of Frisco households owned four cars.
  • 2.35 percent of Frisco households owned five or more cars.
  • 0.977 percent of Frisco households owned zero cars.

Less than one percent of households in Frisco lack a car, which is smaller than average. The majority of residents own two or three cars, showing that the higher salaries of Frisco is paying off.

Frisco Households Without a Car

A few households in Frisco manage to commute without cars every year. Let’s take a closer look at the number of Frisco households without cars.

2015 Households
Without Vehicles
2016 Households
Without Vehicles
2015 Vehicles
Per Household
2016 Vehicles
Per Household
1.10% 2.00% 2.05 2

There were more households without vehicles in 2016 than in 2015, which suggests a number of households got rid of their vehicles.

Speed Traps in Frisco

While there are speed traps in Frisco, the city isn’t on SpeedTrap.org’s list of the 10 worst cities in Texas for speed traps.

However, you are likely to find speed traps around roads with speed changes, school zones, and busy roads. Once you drive around Frisco enough, you’ll become aware of where the cops like to hide.

Of course, it’s important to realize that following the speed limit is the best way to avoid a ticket and a crash. A number of accidents each year are caused by speeding.

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Vehicle Theft in Frisco

Hopefully, you’ve never had to experience your car being stolen. Though theft is always a possibility, luckily, the FBI found that in 2018, there were only 138 vehicles stolen in Frisco. To put this number in perspective, in Dallas there were almost 10,000 vehicles stolen in 2018.

However, to eliminate the chances of your vehicle being stolen almost completely, living in a safer neighborhood will help reduce car theft. According to Neighborhood Scout, the safest neighborhood in Frisco is County Rd 112/Route 121.

Map of the safest neighborhoods in Frisco

Not the area you wanted to live in? The other safest neighborhoods are:

  • County Road 22/County Road 114
  • Eldorado Parkway/Rio Grande Drive
  • Lebanon Road/4th Army Memorial Road
  • Hawkins Lane/Eldorado Parkway
  • FM 423/Newman Road
  • Cotton Gin/Jet Port Parkway
  • Hawkins Lane/Fields Road
  • Stewart Creek Road/Lebanon Road
  • County Road 23/County Road 72

Even if you don’t live in one of these neighborhoods, you will still be fairly safe. Your chance of being the victim of a violent crime in Frisco is only one in 1,154. In comparison, your chance of being the victim of a violent crime in Texas is one in 243.

2018 Violent Crimes in Frisco Murder Rape Robbery Assault
Report Total 2 44 21 96
Rate Per 1,000 Residents 0.01 0.23 0.11 0.41

Frisco has low rates of both assault and robbery, rates that are usually high in cities. These low rates are because Frisco’s crime index rating is 44, which means it is safer than 44 percent of U.S. cities.

This is a great crime index rating. As you can see from the table below, Frisco has low rates for both violent and property crimes.

2018 Total Crimes in Frisco Violent Property Total
Number of Crimes 163 2,562 2,725
Crime Rate Per 1,000 Residents 0.87 13.62 14.48

The total crime rate in Frisco is 14.48, which is great. In comparison, the total crime rate in Dallas is 41.33. So Frisco is definitely a safer place to live than the surrounding areas, even though it has occasional violent crimes and robberies.

Traffic

Hate sitting in traffic? If traffic drives you nuts, then living in a highly congested area is not ideal. If you are prepared beforehand, though, you can avoid some of the worst traffic and dangerous conditions in a city.

So stick with us to learn about Frisco’s traffic conditions and driving risks.

Traffic Congestion in Frisco

Frisco doesn’t appear on traffic congestion scorecards like Inrix or TomTom, which means the city has low levels of traffic. However, both Dallas and Fort Worth are on traffic scorecards for heavy congestion.

So if you travel to these cities, you will have to deal with heavy traffic. Some of the traffic from these cities may also overflow into Frisco, especially if there are road closures and reroutes.

Transportation

Most residents in Frisco will spend 26.7 minutes a day commuting to work, according to Data USA. That means a total of 53.4 minutes a day will be spent going to and from work.

This time is actually slightly longer than the U.S. average commute time (which is 25.1 minutes), but this time is still in a normal range. The methods that Frisco residents use to get to work are also common.

  1. 79.4 percent drive alone.
  2. 11.5 percent work at home.
  3. 6.93 percent carpool.

The tiny amount of residents leftover from these percentages use commute methods like riding a bike or walking to work.

Busiest Highways

None of Texas’s top 100 congested roadways are directly in Frisco, but the bad news is that 30 of the most congested roads are in the Dallas-Fort Worth-Arlington area.

The congested roadways in this area cause 161,399,730 hours of delay, 57,727,776 gallons of gas, and $3,440,456,127 in congestion costs annually.

That is a ton of time, gas, and money to spend sitting in traffic. So if possible, stay away from the congested roadways near Frisco.

How safe are Frisco’s streets and roads?

Every time you drive on the road, you are at risk of a crash. How high that risk is for drivers depends on where you drive. Some cities are more dangerous to drive in, with tricky intersections and multiple drunk drivers.

To see how safe Frisco is to drive around, we are going to look at the National Highway Traffic Safety Administration’s (NHTSA) on crash fatalities in Collin County and Denton County (where Frisco is located). First, let’s take a look at overall fatalities.

All Crashes Fatalities 2014 2015 2016 2017 2018
Collin County 47 37 50 68 45
Denton County 37 38 49 49 52

The main causes of these crashes can be found in the table below.

Fatalities by Crash Type 2014 2015 2016 2017 2018
Collin County Involving an Alcohol-Impaired Driver (BAC = .08+) 21 15 23 28 17
Denton County Involving an Alcohol-Impaired Driver (BAC = .08+) 14 12 19 21 25
Collin County Single Vehicle Crash 25 16 20 28 19
Denton County Single Vehicle Crash 17 17 24 23 25
Collin County Involving Speeding 21 19 16 37 8
Denton County Involving Speeding 21 12 13 16 23
Collin County Involving a Roadway Departure 23 20 27 34 27
Denton County Involving a Roadway Departure 23 18 22 21 27
Collin County Involving an Intersection (or Intersection Related) 13 10 12 15 8
Denton County Involving an Intersection (or Intersection Related) 7 8 15 10 9

The leading causes of crashes in 2018 for the Frisco area were crashes involving a roadway departure, crashes involving an alcohol-impaired driver, and single-vehicle crashes.

As for those killed in car crashes, the Frisco area saw the following deaths:

Fatalities by Person Type 2014 2015 2016 2017 2018
Collin County Passenger Car Occupants 20 15 21 21 18
Denton County Passenger Car Occupants 17 11 19 11 24
Collin County Pedestrian 2 3 4 2 4
Denton County Pedestrian 2 7 7 11 7
Collin County Pedalcyclist 2 0 1 2 1
Denton County Pedalcyclist 1 0 3 1 0

Passenger car occupant fatalities and pedestrian fatalities have increased in the Frisco area. When driving, walking, or bicycling in the following roadways, use caution. NHTSA has found that these roads have the most fatalities in Texas.

Road Type Fatal Crashes
Rural Interstate 176
Urban Interstate 402
Freeway/Expressway 260
Other Highway 982
Minor Arterial 652
Collector Arterial 600
Other Arterial 261
Unknown 10
Total 3343

A number of fatalities occur on arterial roads in Texas. An arterial road is simply a high-traffic road like a highway. A minor arterial road carries less traffic than an arterial road, and a collector arterial road takes local traffic to minor arterial and arterial roads.

Allstate America’s Best Drivers Report

Allstate creates a comprehensive report every year on the 200 cities with the best drivers. How does Allstate determine which cities have good drivers?

It uses data from good driving apps and claim data to figure out hard braking events and the average time between claims. Let’s take a look at where Frisco ranked on the report.

2019 Best
Drivers Report
Ranking
135
Average Years Between Collisions 8.23
Relative Claim Likelihood (Compared to National Average) 0.285
2018 Best Drivers Report Ranking 150
Change in
Ranking from
2018 to 2019
15

Frisco has actually improved its rating from 2018 to 2019, which is good. An average of eight years passes between claims, which means that most drivers are making claims less than a decade apart.

Ridesharing

Need a ride to an airport or a bar? Your best bet is to hire a ridesharing service, which is easy to access in cities. Frisco has the following ridesharing services:

  • Tax – A traditional taxi tends to be the cheapest option in Frisco.
  • Curb – This is another traditional taxi service, but Curb costs slightly more than taxis.
  • Lyft – Slightly more expensive than Curb.
  • Uber – Similar in price to Lyft.

If you chose a deluxe or luxury ride at Lyft or Uber, your price will go up significantly. If you want to check and compare prices, use a tool like RideGuru.

E-Star Repair Shops

Esurance has a great program called E-Star repair shops, which is a list of reputable shops in your area. The following E-Star shops can be found in the Frisco area.

Shop Name Address Contact Information
Service King – Frisco 8661 Main St.
Frisco, TX 75034
email: [email protected]
P: (972) 377-0405
F: (800) 214-2373
Service King – The Colony 5270 Memorial Dr.
The Colony, TX 75056
email: [email protected]
P: (972) 987-1757
Service King – Plano 4001 N. Central
Plano, TX 75023
email: [email protected]
P: (972) 516-0422
F: (800) 214-2373
Service King – West Plano 205 W Plano Pkwy.
Plano, TX 75093
email: [email protected]
P: (972) 867-5803
F: (800) 214-2373
Service King – McKinney 42727 S. Central Expressway
McKinney, TX 75069
email: [email protected]
P: (469) 452-7021
F: (800) 214-2373
Caliber – Corinth 5401 South I35 E
Corinth, TX 76210
email: [email protected]
P: (940) 270-8000
F: (972) 906-7164
Service King – 05 Carrollton 2309 Midway Rd.
Carrollton, TX 75006
email: [email protected]
P: (972) 407-0275
F: (800) 214-2373
Service King – Lewisville
2765 S. Stemmons Frwy.
Lewisville, TX 75067
email: [email protected]
P: (972) 315-6505
F: (800) 214-2373
Caliber Collision Centers Training 2941 Lake Vista Drive
Lewisville, TX 75067
P: (949) 224-0300
Service King - Richardson (SK16) 810 S. Central Expressway
Richardson, TX 75080

email: [email protected]
P: (972) 761-0705
F: (800) 214-2373

Service King and Caliber locations appear multiple times on Esurance’s list. So if you have a location of either shop nearby, they are a good choice of a repair shop.

Weather

Texas is a large state, which means that some parts are sunny and hot, while other parts will have snowfall. To see where Frisco falls in Texas’s weather range, we took a look at average temperatures in Frisco.

Weather In Frisco, Texas Stats
Annual High Temperature 93.5°F
Annual Low Temperature 32.2°F
Average Annual Snowfall One inch
Average Annual Rainfall 40 inches
Average Annual Number of Sunny Days 230

Frisco is a sunny city. It has an average of 230 sunny days a year (the US average is 205 sunny days a year). However, this warm weather can sometimes backfire in the summer.

Frisco has had three fires in its history of natural disasters, as well as hurricanes, floods, storms, and tornadoes. In total, 13 natural disasters have occurred in Frisco’s history. This number matches the national average.

To be on the safe side when it comes to your vehicle and natural disasters, consider comprehensive coverage. Not only will this coverage protect you from natural disasters’ damages, but it will also protect you in cases of theft, vandalism, and animal collisions.

Public Transit

The city of Frisco is served by Denton County Transportation Authority (DCTA). This public transportation service has both trains and buses. The cost of standard fares is below.

Fare Type Local Regional
Local AM/PM Pass $1.50 (reduced $.75) -
Day Pass $3 (reduced $1.50) $12 (reduced $3)
7-Day Pass $15 -
10-Pack of Day Passes $20 $84
Monthly Pass $48 (reduced $24) $192 (reduced $48)
Annual Pass $480 (reduced $240) $1,920 (reduced $576)

Reduced fares are available for the following qualifying individuals:

  • Seniors 65+
  • Medicare cardholders
  • Students ages five to 18 (over age 14 need a school ID)

Frisco also offers paratransit services for those physically unable to ride a regular bus. Prices do vary from regular and discounted rates, as this is a special service.

Alternate Transportation

Frisco partnered with Zagster Bike Share to bring community bikes to its city and parks. To unlock a bike, you will need to download the Zagster app and go to a Zagster station in the city. Pricing is as follows:

  • Under two hours, it is free.
  • After two hours, it is $2 an hour.

The maximum charge is $24. If you keep the bike for more than 24 hours, you will be charged an additional $30 for overtime. However, these rideshare bikes are a great way to get your daily exercise.

Parking in Metro Areas

Frisco has metered parking on streets, in order to encourage parking turnover. Even in places where parking is free, there are time limits, such as parking at the Frisco Square. If you want to park longer, you should park at one of Frisco’s parking garages.

There will also be satellite parking available at local airports, train stations, and possibly hotels.

Need somewhere to park and charge?

If you own an electric vehicle in Frisco, you’re in luck. The city has 147 charging stations, the majority of which are level two stations. In addition, 49 of these stations are free.

Air Quality in Frisco

City air can be determinantal to people’s health, as there are more vehicles spitting out toxins in close proximity to city dwellers. Not all cities struggle with poor air quality, but the ones that do can make living difficult for groups sensitive to air quality.

Luckily, the Environmental Protection Agency has done extensive research on air quality by county. Let’s take a look at Frisco’s air quality in Collin County.

Year Days With Air Quality Index Good Days Moderate Days Unhealthy Days for Sensitive Groups Unhealthy Days Days Very Unhealthy
2018 361 296 49 16 0 0
2017 363 313 43 7 0 0
2016 363 318 41 4 0 0

Unfortunately, Frisco’s air quality has grown slightly worse. The number of good days has dropped, and the number of unhealthy days for sensitive groups has increased.

This is why it’s so important to monitor air quality and actively work to fix it. Otherwise, our air will continue to worsen.

Military and Veterans

Not all insurers offer discounts to military members and veterans, and it can be hard to find a discount at an insurer nearby. If you want to find out what insurers have military discounts, this section is for you.

We will also cover what military veterans and bases are in Frisco so that you can get an idea of what Frisco’s military culture is like. Keep reading to learn about everything military in Frisco and how to save money for your service.

Veterans by Service Period

In 2017, Data USA found the following numbers of veterans live in Frisco:

  • 1,740 Gulf War (1990s) veterans
  • 1,555 Vietnam veterans
  • 1,322 Gulf War (2001–) veterans
  • 203 Korea veterans
  • 108 World War II veterans

Overall, there are 4,928 veterans living within the city limits of Frisco.

Military Bases Within an Hour

There is only one military base within an hour of Frisco.

The Naval Air Station Joint Reserve Base at Fort Worth is “a joint defense facility which plays a pivotal role in the training and equipping of air crews and aviation ground support personnel.”

This base employs over 11,000 people, making it a vital part of Fort Worth’s economy. However, it is probably too far to commute to from Frisco, as it is just under an hour away.

Military Discounts by Providers

Military discounts can be hard to find. The following providers offer discounts for military members.

Insurance Company Percentage Saved With Discount
Farmers N/A
GEICO 15%
Liberty Mutual (must be active duty) 4%
MetLife 15%
Safeco N/A
USAA N/A

The military insurer USAA also offers a military garaging discount. So if you park your car in a military garage while away, USAA will give you a discount. This is because the safer the area you park your car in is, the less chance there is of your car being stolen or vandalized.

Most insurers ask where you park your car. If you park on the street, you will pay slightly more than if you park in a personal, locked garage at night. Anyone who lives in a city, though, knows how hard it is to find permanent off-street parking or non-public garage parking.

Luckily, having anti-theft devices installed in your car can combat the cost of where you park your car. Insurers will feel more secure that if your vehicle is stolen from the street, it can be easily recovered.

USAA

USAA is well known for a reason. It is the largest military provider and has extremely reasonable rates for its customers. Take a look at the table below to see how USAA’s rates compare to other providers in Texas.

Company Average Compared to State Average ($) Compared to State Average (%)
Allstate F&C $5,485.32 $1,556.98 28.38%
Geico County Mutual Ins Co. $3,263.39 -$664.95 -20.38%
Nationwide CCMIC $3,867.57 -$60.77 -1.57%
Progressive Cty Mtl $4,664.85 $736.51 15.79%
State Farm Mutual Auto $2,879.95 -$1,048.39 -36.40%
The Gen Automobile Ins Co Inc $4,849.18 $920.84 18.99%
USAA $2,488.12 -$1,440.22 -57.88%

USAA’s average rate is 57 percent less than the state average, which is impressive. The only insurer that comes close to matching this percentage is State Farm at 36 percent less than the state average.

Unique Frisco City Laws

Since cities can add additional laws onto the state laws, every city is unique in what regulations it has. If you are new to Frisco or haven’t kept up to date on driving laws, it’s important to read this section.

We will cover cellphone laws, regulations for food trucks, and more. So stick with us to learn how to avoid a pricey ticket.

Hands-free Law

Texas has a number of laws that make sure drivers stay off their phones while driving. Make sure to familiarize yourself with the following laws to avoid a ticket (or worse, an accident).

  • Texting Ban – Applies to all drivers.
  • Hand-held Ban – Applies to all drivers in school zones.
  • All-cellphone Use Ban – Applies to drivers younger than 18.

Enforcement of these bans is primary. What does this mean?

An officer has the right to pull over and ticket any driver they see breaking these rules. Frisco doesn’t have any additional cellphone laws in addition to Texas’s laws, so follow Texas’s law.

These laws are in place for a reason. If you kill someone in a car crash because you were texting and driving, you could be accused of vehicular homicide. This is a second-degree felony and comes with jail time and heavy fines.

So put the phone away while you’re in the car, as it could cost your or someone else’s life.

Food Truck Laws

People who want to operate a food truck in Frisco need to have all their paperwork in order. Frisco requires all food truck owners to have a license.

To apply for a license, food truck owners must have the following documents submitted before a food inspection:

  • Authorization letter from the owner or management company.
  • Letter from property business giving bathroom access.
  • Insurance certificate.
  • Consent to a background check (notarized).
  • Central preparation faculty letter (notarized).
  • Valid driver’s license.
  • Food manager certification letter.
  • Sales tax affidavit.
  • List of food items to be served.
  • Proof of fire department inspection.

Once the license and food inspection are approved, food truck owners can start operating in Frisco.

Tiny Home Laws

A tiny home is often counted as a mobile home in the law, which means you’ll have to follow Frisco’s zoning ordinances for mobile homes.

Basically, you’ll need to get approval from the city by parking in the right place (such as a mobile park) and passing safety regulations (properly hooked up to gas, sewage, etc.).

If you are building your tiny home, make sure that your plans are approved by the city before you put the first nail in.

Parking Laws

In Texas, it is illegal to parallel park facing the wrong way. This means that your passenger side must always be facing the curb.

Otherwise, you will have to pull into oncoming traffic to get in and out of the spot. Not only is this dangerous for you, but it also puts other drivers at risk.

If you find yourself itching to grab a spot with illegal parking before it is gone, consider reserving a spot at a local parking garage.

Frisco Car Insurance FAQs

We’ve covered a lot of ground in this guide, but it’s hard to answer every single question. To make sure we’ve got all our bases covered, we are going to go through frequently asked questions about living and driving in Frisco.

What happens if I get into a car accident in Frisco, Texas?

Texas is an at-fault state, which means if you caused the accident, you are responsible for the other driver’s medical bills and property damage bills. If the fault isn’t easily determined, the two insurance companies will assign costs depending on the level of fault.

So if you were 40 percent responsible, you will be responsible for 40 percent of the bill.

Is Frisco, Texas, safe?

Frisco is a fairly safe city, more so than the surrounding areas. It has a crime index rating of 44, which means it is 44 percent safer than all U.S. cities. It also has a low violent crime rate.

Will it snow in Frisco, Texas?

Frisco only averages an inch of snow a year, so you usually won’t have to deal with shoveling and salting your driveway. You will still want to have a warm jacket, though.

What airport is near Frisco, Texas?

Frisco is near the Dallas/Fort Worth International Airport. It is about a half-hour ride from the heart of Frisco to the airport, which isn’t bad at all.

What school district is Frisco, Texas?

Frisco’s public school district is the Frisco Independent School District. There are also private schools in the city.

We are at the end of our guide, and we hope we answered all your questions about living and driving in Frisco, Texas. If you would like to start comparing rates today, enter your ZIP code in our free online tool below.

References:
  1. https://www.quadinfo.com/
  2. https://datausa.io/profile/geo/frisco-tx/
  3. https://www.interstate-guide.com/state-index/
  4. https://www.ntta.org/custinfo/tolltag/Pages/default.aspx
  5. https://www.onlyinyourstate.com/texas/christmas-lights-road-trip-tx/
  6. https://www.onlyinyourstate.com/texas/haunted-cemeteries-tx-2/
  7. https://www.onlyinyourstate.com/texas/fall-foliage-road-trip-tx/
  8. https://www.onlyinyourstate.com/texas/small-town-road-trip-tx/
  9. https://www.iihs.org/topics/red-light-running/red-light-camera-communities
  10. https://www.speedtrap.org/texas-speed-trap-cities/
  11. https://www.fbi.gov/
  12. https://www.neighborhoodscout.com/tx/frisco/crime
  13. https://mobility.tamu.edu/texas-most-congested-roadways/
  14. https://www.nhtsa.gov/
  15. https://www.allstate.com/americas-best-drivers/index.htm
  16. https://ride.guru/
  17. https://www.esurance.com/info/car/e-star-direct-repair-program
  18. https://www.esurance.com/e-star-repair-shop-locator
  19. https://www.bestplaces.net/climate/city/texas/frisco
  20. http://www.city-data.com/city/Frisco-Texas.html
  21. https://www.dcta.net/
  22. https://www.dcta.net/service-overview/additional-services/access-ada-and-non-ada
  23. http://bike.zagster.com/hallpark/
  24. https://friscosquare.com/parking/
  25. https://www.ucsusa.org/resources/cars-trucks-buses-and-air-pollution
  26. https://auto.howstuffworks.com/air-pollution-from-cars.htm
  27. https://www.epa.gov/
  28. https://www.military.com/base-guide/naval-air-station-joint-reserve-base-fort-worth
  29. https://www.iihs.org/topics/distracted-driving/cellphone-use-laws
  30. https://www.dallassevereinjurylawyer.com/blog/2015/january/can-texting-and-driving-result-in-a-charge-of-ve/
  31. https://www.friscotexas.gov/204/Mobile-Temporary-Food-Vendors
  32. https://www.friscotexas.gov/DocumentCenter/View/8843/Mobile-Unit-Mobile-Vendor-Food-Truck-Application-PDF?bidId=
  33. https://www.dfwairport.com/
  34. https://www.friscoisd.org/

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