Updated: December 17, 2025
Advertising & Editorial Disclosure
State Farm: Cheapest across most driver profiles. At $57 monthly for minimum coverage and $115 for full coverage, State Farm saves drivers 44% compared to Allen's average.
AAA: Second cheapest at $82 monthly minimum and $155 full coverage. It's affordable for higher-risk driver categories.
GEICO: Third cheapest at $85 monthly minimum and $157 full coverage, with rates 22% below city average.
Cheapest Monthly Rates by Coverage and Driver Profile in Allen:
State Farm offers the cheapest minimum coverage at $58 monthly, while AAA is the second cheapest at $83. For full coverage, State Farm stays the cheapest at $116 monthly, with AAA second at $156. Both save you over 23% compared to Allen's average. Get quotes from at least three companies because rates vary by ZIP code and driving history.
| State Farm | $58 | $116 | -44% |
| AAA | $83 | $156 | -23% |
| Geico | $85 | $157 | -22% |
| Mercury Insurance | $86 | $171 | -17% |
| Progressive | $112 | $176 | -7% |
Not in Allen? Read more about the cheapest car insurance in Texas or the best car insurance in Texas.
Teens and drivers in their early 20s pay the highest rates due to inexperience. State Farm offers the cheapest full coverage at $276 monthly. GEICO charges $297, and AAA costs $369.
Young drivers can cut costs by hundreds of dollars annually by staying on a parent's policy instead of buying separate coverage. Defensive driving courses earn 5% to 15% discounts.
| State Farm | $276 | $3,310 | -42% |
| Geico | $297 | $3,569 | -37% |
| AAA | $369 | $4,430 | -22% |
| Germania Insurance | $398 | $4,772 | -16% |
| Allstate | $443 | $5,313 | -6% |
Senior drivers in Allen pay lower rates than most age groups. State Farm charges the least at $136 monthly for full coverage. GEICO costs $198, and Germania Insurance charges $205. Defensive driving courses earn seniors up to 10% discounts that last three years. Most insurers offer accident forgiveness programs for drivers 65 and older.
| State Farm | $136 | $1,630 | -46% |
| Geico | $198 | $2,372 | -22% |
| Germania Insurance | $205 | $2,466 | -19% |
| AAA | $209 | $2,512 | -17% |
| Progressive | $232 | $2,788 | -8% |
Violations increase your rates, though insurers charge different amounts for the same infraction. State Farm charges drivers with at-fault accidents $69 monthly for minimum coverage, compared to Germania Insurance's $108. For speeding tickets, State Farm costs $58 a month, and GEICO charges $98. State Farm offers the best DUI rates at $96 monthly, with Mercury at $118.
Compare quotes after a violation, as rates differ by hundreds of dollars across insurers. Speeding tickets stay on your record for three to five years. DUIs and serious violations affect rates for up to 10 years.
| At-Fault Accident | State Farm | $69 | -54% |
| At-Fault Accident | Germania Insurance | $108 | -27% |
| DUI | State Farm | $96 | -41% |
| DUI | Mercury Insurance | $118 | -28% |
| Speeding Ticket | State Farm | $58 | -53% |
| Speeding Ticket | Geico | $98 | -20% |
Allen rates span $192 to $198 monthly for full coverage, depending on your ZIP code. High-risk areas like 75013 cost $198. Safer neighborhoods like 75002 cost $192.
Your ZIP code matters more than your neighborhood name when insurers calculate rates. Traffic patterns, theft rates and accident frequency create a $6 monthly gap between Allen's most and least expensive ZIP codes.
| 75013 | $198 |
| 75002 | $192 |
| 75002 | $192 |
| 75013 | $198 |
State Farm leads Allen's insurance market with a MoneyGeek score of 95 out of 100. It combines the lowest average premiums with outstanding customer service scores and comprehensive coverage options.
Progressive, AAA, Mercury and GEICO are also great options. These insurers offer competitive rates, quality customer service and comprehensive coverage options.
| 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 |
Cheapest rates across all driver profiles
Full coverage rates 44% below city average
4.5 out of 5 customer service rating
Limited coverage options compared to other providers
Higher rates for teen drivers than some competitors
Potential delays in claim processing and responses
State Farm ranks first in Allen with the lowest rates across all driver profiles and a 4.5 out of 5 customer service rating. It charges full coverage rates 44% below the city average and provides 24/7 support through its Pocket Agent mobile app.
State Farm handles severe weather risks with comprehensive coverage for hail damage and storms. Its Drive Safe & Save program rewards safe driving with discounts up to 30%.
Highest coverage score among Allen insurers
Comprehensive weather protection for tornadoes and floods
Strong customer service with 24/7 support
No accident forgiveness increases rates after claims
Payout process complaints for collision coverage
Higher base rates than local competitors
Progressive ranks second in Allen with the highest coverage score and comprehensive weather protection for tornadoes and floods. It provides 24/7 support through its mobile app for policy management and claims filing.
Progressive handles severe weather risks with coverage options including collision, comprehensive and uninsured motorist protection. Its claims processing averages seven days for settlement, and it offers custom parts coverage and rental car reimbursement.
Allen drivers know insurance costs here can drain your budget, but smart shopping strategies make affordable coverage achievable.
Combine auto with home or renters insurance for 15-25% savings. Stack on multi-car discounts (10-25% per vehicle) plus good driver and paperless billing perks. Total potential savings reach 30-40% when you layer these discounts together.
Increasing your deductible from $500 to $1,000 cuts annual premiums by 10-15%. The key consideration: only select an amount you can comfortably pay out-of-pocket if you need to file a claim.
Insurance companies regularly adjust rates based on Allen's changing risk factors. Your driving record also improves after three years without incidents, which means you could qualify for significantly better rates with different insurers.
Get clear answers about Allen insurance costs and coverage options to secure affordable protection that fits your budget.
Car insurance in Allen runs about $195 monthly for full coverage. That's relatively moderate for Texas, where costs range dramatically. The priciest spot, Mcallen, hits $225 per month, while Fort Davis offers the cheapest rates at just $48 monthly. Allen falls closer to the middle range statewide.
Finding affordable car insurance in Allen starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Texas' insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 75013 often pay much more than those in 75002.
We partnered with the Texas Department of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Allen ZIP code.
Our ratings for the best car insurance in Allen are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which reveals which insurers maintain competitive rates across Allen neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
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.
