How Much Auto Insurance Do You Need in Texas? A Complete Guide for Frisco Drivers

Choosing the right level of auto insurance can feel confusing, especially with Texas requirements and Frisco’s unique driving environment. As local insurance professionals serving Collin and Denton County, we’ve helped families across Frisco find the right balance between affordability and reliable protection.

Frisco Texas Auto Insurance Requirements

By law, Texas drivers must carry minimum liability coverage:

Bodily Injury Liability

• $30,000 per person injured
• $60,000 total for all injured in one accident

Property Damage Liability

• $25,000 per accident

Why this isn’t enough: In Frisco, a single accident involving multiple vehicles or higher-end SUVs can easily exceed these limits, leaving you financially responsible for the difference.

Why Minimum Coverage Falls Short in Frisco

Frisco drivers face unique risks:

• Busy Roads & Growth: With the Dallas North Tollway, SH-121, and rapid city expansion, traffic congestion raises the risk of serious collisions.
• High Vehicle Values: Luxury vehicles and newer SUVs are common in Frisco neighborhoods, driving up potential claim costs.
• Texas Weather: Severe hailstorms, flooding, and even the occasional icy road mean added risk that liability-only coverage won’t address.

Recommended Coverage Levels for Frisco Residents

Based on our experience with local claims:

Liability Coverage

• $100,000/$300,000 bodily injury liability
• $100,000 property damage liability
• Offers stronger asset protection in case of lawsuits or high-cost accidents

Comprehensive & Collision

• Protects your car from hail, floods, theft, or collision damage
• Especially important in North Texas, where weather claims are common

Uninsured/Underinsured Motorist

• $100,000/$300,000 coverage
• With about 1 in 8 Texas drivers uninsured, this is critical protection

Optional Coverage Worth Considering

• Personal Injury Protection (PIP): Covers medical expenses no matter who’s at fault.
• Rental Car Coverage: Keeps you on the road while your car is being repaired.
• Gap Insurance: Covers the difference if your financed or leased car is totaled and worth less than what you owe.

What Affects Auto Insurance Rates in Frisco

• ZIP Codes: Areas like 75033, 75034, and 75036 have different claim histories that impact premiums.
• Commutes: Driving to Dallas, Plano, or other nearby employment hubs can increase risk.
• Weather Exposure: Hail and storm damage push rates higher for North Texas drivers.
• Credit Score: Texas insurers may use credit-based scores to help determine your premium.

Smart Ways for Frisco Drivers to Save

• Bundle Policies: Combine auto and homeowners for larger discounts.
• Safe Driver Discounts: Available for clean records, telematics programs, or defensive driving courses.
• Vehicle Safety Features: Cars with crash prevention and security features may qualify for lower rates.
• Annual Reviews: Update your coverage as vehicles age or your life situation changes.

Common Mistakes We See

• Relying on Minimum Limits: Leaving assets at risk of lawsuits.
• Dropping Comprehensive Too Soon: Frisco drivers still face hail, theft, and storm risks even with older cars.
• Overlooking Umbrella Policies: High-income households in Frisco often benefit from added liability protection.

When to Increase Coverage

Consider higher coverage if:

• You’ve purchased a new vehicle or luxury SUV
• You added a teen driver to your policy
• Your assets or income have grown significantly
• Your commute or driving habits have changed

Why Work With a Local Agency

Insurance can feel complicated, but you don’t have to go it alone. As your local Frisco insurance agency, we understand the risks unique to Collin and Denton County and can help you choose coverage that keeps your family and finances safe.

What we offer:

• Free policy reviews & quotes
• Guidance through claims
• Discounts for multi-policy customers
• Regular updates as your needs change

Get Your Free Quote Today

Don’t wait for an accident to find out you’re underinsured. Contact Roger Welch Agency today for a free, no-obligation auto insurance review. We’ll assess your risks as a Frisco driver and design a plan that protects what matters most at a price you can afford.

Proudly serving Frisco, Plano, McKinney, Prosper, Little Elm, and all of North Texas.

Frequently Asked Questions

Q: Is Texas a no-fault state?
A: No. Texas follows an at-fault system, meaning the responsible driver pays for damages.

Q: Do I need uninsured motorist coverage?
A: While optional, it’s highly recommended to protect against uninsured or underinsured drivers.

Q: How often should I review my policy?
A: At least once a year, or after major life events like buying a car, moving, or adding drivers.

Q: Does credit affect my rates in Texas?
A: Yes. Insurers can use credit-based insurance scores when setting premiums.

This blog is for informational purposes only. For personalized advice, contact our licensed agents.