Frisco, TX
Auto and home insurance in Frisco, Texas
How Frisco households can compare car and home coverage, with local Census data. A quote is not a binder.
Census data show Frisco drivers commuting alone at a rate of 53% and homeowners making up 66% of households. Here is what that means for auto and home coverage in a city of about 235,208.
Frisco commuting and vehicle data
| Measure | Frisco | Texas |
|---|---|---|
| Drive alone to work | 53% | 71% |
| Carpool | 6% | 10% |
| Work from home | 38% | 14% |
| Commute of 45 minutes or more | 19% | 17% |
| Commute under 15 minutes | 23% | 25% |
| Households with no vehicle | 3% | 5% |
| Households with 3 or more vehicles | 20% | 22% |
Data: Census Bureau ACS 2020–2024 five-year estimates (commuting and vehicles available).
Frisco commutes are similar than the Texas norm, with 19% of workers driving 45-plus minutes. If your commute is short or you mostly work from home, ask about low-mileage or usage-based pricing.
With 38% of Frisco workers based at home, many cars log fewer miles. Telematics or pay-per-mile programs can reward that.
In Frisco, 3% of households live without a car while 20% have three or more. Teen drivers and extra vehicles change pricing more than almost anything else.
Home values and housing age in Frisco
The median owner-occupied home in Frisco is valued at $642,100, and half of the city's homes were built before 2009. The Texas median value is $283,800. Your dwelling limit should match rebuild cost, which can differ from market value.
For context, the NAIC's 2023 average HO-3 premium in Texas was $3,932 for homes insured in the $600,000–$699,999 range, and $2,864 across all coverage amounts.
Averages are for information only and are not a quote or offer of coverage. Your actual premium depends on underwriting.
Required auto coverage for Frisco drivers
Drivers in Frisco must carry Texas's minimum of 30/60/25 in liability coverage (none beyond liability (PIP and UM must be rejected in writing)). Homeowners usually carry more, since a judgment above your limits can reach savings and home equity.
One insurer or two for a Frisco household
Most Frisco homeowners also own at least one car, which makes a multi-policy discount worth checking. Ask whether one storm that damages both car and house would trigger a single deductible.
What can go wrong in Frisco
Around Frisco, two exposures stand out: Gulf hurricanes near the coast and large hail. Flood is excluded from both standard auto liability and homeowners policies unless you buy comprehensive (for the car) and a separate flood policy (for the house).
See FEMA's National Risk Index for local hazard scores.
How Frisco compares in Texas
Plano shows 28% working from home and a median home value of $465,900. McKinney: 65% drive alone, 19% commute 45+ minutes, median home $471,800. Houston shows 13% working from home and a median home value of $277,800. For share of 45-minute-plus commutes, Frisco is 4th of 30 Texas cities on this site.
Frisco quote checklist
- Recent claims or violations
- Your Frisco address, square footage, and year built
- Drivers' names and dates of birth
- When the roof was replaced
- Mortgage company for the home
- Your existing policies and renewal dates
Questions from Frisco drivers and homeowners
What are the minimum car insurance limits for Frisco drivers?
Texas requires liability of 30/60/25; none beyond liability (PIP and UM must be rejected in writing).
Do Frisco drivers have long commutes?
About 19% of Frisco workers commute 45 minutes or more and 23% commute under 15 minutes (ACS 2020–2024).
What does homeowners insurance cost in Frisco?
There is no single price. As context, Texas HO-3 policies averaged $2,864 in 2023 (NAIC), and averages rise with dwelling coverage.
Other city guides near Frisco
Auto and home insurance in Texas
Last updated October 15, 2026 · How we research