Auto Insurance in Frisco, TX

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A Quick Guide To Car Insurance in Frisco, TX

Part of the Dallas-Fort Worth metroplex, Frisco, TX, is home to more than 200,000 people. The 69-square-mile city is known for housing the Museum of the American Railroad, the National Videogame Museum, and a range of entertainment venues. It is also just a few miles from all the attractions Dallas has to offer, which means plenty of people are on the road at any given time.

Because Frisco is often increasing in population (in fact, it's been the fastest-growing city in the country on several occasions), it stands to reason that vehicle accidents in the area are often on the rise as well. With more than 2,000 accidents annually, finding the right auto insurance Frisco TX is essential.

Minimum Auto Insurance Requirements in Texas

The state of Texas requires drivers to have auto insurance Frisco TX. At a minimum, drivers must have 30/60/25 coverage. This is a type of liability policy that ensures you can pay at least $30,000 for injuries, $25,000 for property damage, or a total of $60,000 per accident if you are at fault. While this seems like a lot of money, it is important to realize just how expensive an auto accident can be. Many times, the minimum liability policy won't be enough. If you don't want to have to pay out of pocket, consider investing in better liability coverage. Experts recommend at least $100,000 per person for medical expenses, at least $100,000 for property, or a total of $300,000. 

Other Types of Car Insurance To Consider

In addition to liability coverage, there are several other types of auto insurance Frisco TX to consider.

  • Rental Reimbursement —If your car is stolen or in the shop after an accident, rental reimbursement coverage will help cut costs of renting a car or of taking ride-sharing services.
  • Uninsured Motorist Coverage —You may have the insurance you're supposed to have, but that doesn't mean that everybody else does. An uninsured motorist policy gives you a bit of extra protection in the event that someone hits you and leaves the scene of the accident.
  • Personal Injury Protection —This policy is similar to medical coverage but adds a bit of extra security. This is because it will cover lost wages or other non-medical costs related to an accident.
  • Comprehensive Coverage —Collisions aren't the only thing that pose a threat to your vehicle. Comprehensive coverage protects you if someone steals your car or if it is damaged due to vandalism, fire, or a flood.

What Auto Insurance Doesn't Cover

While the right auto insurance Frisco TX policy helps to protect your vehicle and yourself from a wide range of situations, it won't pay for everything. There are certain situations in which you should expect to pay out of pocket unless you've opted for special policies where available.

  • Accidents when you're racing, driving for business, or driving outside of the country
  • Accidents when you're driving a car that doesn't belong to use, such as a company-owned vehicle
  • Accidents when you are driving for food delivery apps or ride-hailing services
  • Equipment you did not have permanently installed in your vehicle
  • Intentionally caused damages 

This information is intended for general informational purposes only and is not intended to constitute legal advice.