Updated: November 4, 2025
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State Farm offers the cheapest car insurance in Allen. GEICO, AAA, Mercury Insurance and Progressive also provide coverage in the city.
Car insurance in Allen costs an average of $1,173 per year for minimum coverage and $2,345 per year for full coverage.
State Farm also offers the cheapest car insurance in Texas at $497 per year for minimum coverage and $1,118 per year for full coverage.
In Allen's competitive market, State Farm offers minimum coverage at $691 per year, which is 41% lower than the city average of $1,173. State Farm charges $1,392 annually for full coverage.
AAA provides an alternative at $993 per year for minimum coverage. While more expensive than State Farm, AAA appeals to drivers who value its roadside assistance and member benefits.
| State Farm | $58 | $116 | -44% |
| AAA | $83 | $156 | -23% |
| GEICO | $85 | $157 | -22% |
| Mercury Insurance | $86 | $171 | -17% |
| Progressive | $112 | $176 | -7% |
Young drivers in Allen pay $1,646 annually with State Farm for minimum coverage. Adult drivers secure the lowest available rates at $691 per year with State Farm, representing a 58% discount compared to young drivers.
Senior drivers pay $822 annually with State Farm, a 19% increase over adult rates. The substantial gap between young and adult driver rates reflects insurers' risk assessments in this growing Dallas suburb.
State Farm and GEICO provide the most affordable car insurance options for young drivers in Allen, with monthly premiums starting at $137 and $160 respectively.
| State Farm | $137 | $1,646 | -45% |
| Geico | $160 | $1,923 | -36% |
| AAA | $195 | $2,336 | -22% |
| Germania Insurance | $225 | $2,703 | -10% |
| Allstate | $240 | $2,881 | -4% |
State Farm provides the lowest rates for adult drivers (26 to 64) in Allen, saving drivers around 44% on average. AAA and GEICO also rank among the top affordable providers for this age group.
| State Farm | $58 | $691 | -44% |
| AAA | $83 | $993 | -20% |
| Geico | $85 | $1,015 | -18% |
| Mercury Insurance | $86 | $1,028 | -17% |
| Farmers | $107 | $1,281 | 3% |
For seniors in Allen, State Farm offers the most affordable car insurance rates. Minimum coverage costs $68 per month or $822 annually, while full coverage runs $136 monthly or $1,630 per year.
| State Farm | $68 | $822 | -49% |
| Germania Insurance | $115 | $1,376 | -15% |
| AAA | $115 | $1,381 | -14% |
| Geico | $117 | $1,404 | -13% |
| Dairyland | $157 | $1,882 | 17% |
High-risk drivers in Allen can find affordable car insurance with these providers:
GEICO offers the cheapest car insurance for bad credit drivers in Allen, with monthly rates starting at $122 for minimum coverage and $261 for full coverage.
| Geico | $122 | $1,468 | -47% |
| Allstate | $169 | $2,029 | -27% |
| Germania Insurance | $178 | $2,139 | -23% |
| Dairyland | $180 | $2,163 | -22% |
| Progressive | $183 | $2,190 | -21% |
State Farm offers the most affordable car insurance for Allen drivers with a DUI. Its rates are 39% below the city average for minimum coverage and 41% cheaper for full coverage policies.
| State Farm | $96 | $1,151 | -41% |
| Mercury Insurance | $118 | $1,410 | -28% |
| Farmers | $121 | $1,451 | -26% |
| AAA | $130 | $1,556 | -21% |
| Progressive | $130 | $1,558 | -21% |
Allen drivers with an accident on record can find the lowest rates with State Farm, starting at $69 per month or about 54% less than the city's average premium.
| State Farm | $69 | $825 | -54% |
| Germania Insurance | $108 | $1,300 | -27% |
| Farmers | $113 | $1,351 | -24% |
| Geico | $121 | $1,452 | -18% |
| AAA | $122 | $1,469 | -17% |
State Farm offers the cheapest car insurance options for Allen drivers with speeding tickets. Minimum liability coverage costs $58 monthly, while full coverage with higher limits runs $116 per month.
| State Farm | $58 | $691 | -53% |
| Geico | $98 | $1,181 | -20% |
| Germania Insurance | $107 | $1,281 | -14% |
| AAA | $110 | $1,319 | -11% |
| Mercury Insurance | $120 | $1,438 | -3% |
State Farm dominates Allen's market with the lowest premiums and strong customer satisfaction scores. Progressive offers competitive rates with innovative features like Snapshot and online policy management tools.
Both companies serve Allen drivers well, with State Farm leading in affordability and Progressive providing technology-focused insurance solutions.
| State Farm | 95 | 1 | 3 | 6 |
| Progressive | 90 | 5 | 2 | 2 |
| AAA | 90 | 2 | 4 | 6 |
| Mercury Insurance | 89 | 4 | 5 | 4 |
| GEICO | 89 | 3 | 6 | 6 |
Lowest rates in Allen, TX
Great customer service reputation
Largest discount selection
Not many add-on coverage selections
Much less affordable for those with bad credit
State Farm takes the top spot in our Allen study as the most affordable provider overall for most drivers, while delivering one of the best customer experiences in the city.
In Texas, it earned the third-best customer satisfaction rating and ranked 6th nationwide for claims satisfaction according to J.D. Power. Its main drawbacks include limited add-on coverage options with only three choices available and higher rates for drivers with poor credit scores.
Allen averages $1,173 per year for minimum coverage and $2,345 per year for full coverage. These rates exceed the Texas state average of $807 for minimum coverage.
State Farm's $691 minimum coverage rate sits well below Allen's average. This Dallas suburb's higher-than-average rates reflect its growing population and increased traffic density compared to rural Texas communities.
| Full Coverage | $195 | $2,345 |
| Minimum Coverage | $98 | $1,173 |
In Allen, car insurance rates by ZIP code range from $96 to $198 per month. ZIP code 75013 is the most expensive, while 75002 is the cheapest. Check the average rates for your ZIP code below.
| 75013 | $100 | $198 |
With Allen's higher-than-average car insurance rates and complex coverage options, finding affordable protection can feel overwhelming. This step-by-step guide shows you how to secure the best coverage while keeping your costs down.
Start by determining exactly how much coverage you need for your situation in Allen. Use our car insurance coverage needs calculator to evaluate factors like your car's value and your assets. This helps you avoid overpaying for unnecessary coverage or underinsuring your vehicle.
Look into various types of car insurance that could save you money. If you drive less than 12,000 miles annually, consider pay-per-mile insurance. Don't own a car? A non-owner policy might be your best option.
Research average vehicle insurance costs in Allen to set realistic expectations. This knowledge helps you recognize good deals and avoid overpaying. Compare rates from multiple insurers to find the best value for your specific situation.
Look for every possible car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and defensive driving courses can also lead to huge savings.
Check insurer ratings and reviews from Allen residents. Focus on companies with strong financial stability and positive customer service feedback. A cheaper rate isn't worth it if the company has poor claims service or coverage gaps.
Contact at least three different insurance providers for quotes. Use a mix of local Allen agents, online comparison tools and direct insurer websites. Each company uses different factors to set rates, so comparing multiple quotes helps find the best deal.
Set a yearly reminder to review your car insurance policy. Your needs and circumstances change over time, and new discounts or better rates may become available. Regular reviews help you maintain the best coverage at the lowest possible cost.
Car insurance rates in Allen depend on your driving record, age, vehicle and credit score. State Farm and AAA consistently offer the lowest premiums across driver profiles, but compare quotes from multiple providers to find your best rate.
Looking for cheap car insurance in Allen? We've gathered straightforward answers about finding affordable coverage that fits your needs and budget.
State Farm offers the lowest rates in Allen, with average annual premiums of $691 for minimum coverage and $1,392 for full coverage. Rates vary by personal factors, so compare quotes.
State Farm leads Allen's car insurance providers with a MoneyGeek score of 95 out of 100, scoring five points higher than Progressive. State Farm excels in both affordability and customer service quality.
In Allen, Texas, drivers pay $2,345 for full coverage and $1,173 for minimum coverage car insurance annually. Your actual rates will vary based on individual factors.
Car insurance in Allen costs more than average, ranking 1454th for minimum coverage affordability and 1310th for full coverage compared to other Texas cities.
To help Allen drivers find affordable car insurance, MoneyGeek analyzed rates using data from the Texas Department of Insurance and Quadrant Information Services.
We reviewed quotes from 12 major insurers across every ZIP code in the city, comparing hundreds of thousands of data points to find options that best fit local drivers.
Allen Driver Profile
We used a sample driver profile to calculate average car insurance quotes in Allen:
We also adjusted certain factors, including age, driving record, credit score, and military affiliation, to find the best options for different driver types.
Coverage Levels in Allen
MoneyGeek compared the most affordable companies for both minimum and full coverage auto insurance.
The minimum coverage requirements in Texas are:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We scored each insurer using three important factors:
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
