State Farm offers Allen's lowest car insurance rates at $691 annually for minimum coverage and $1,392 for full coverage. Other affordable options in the city include AAA, GEICO and Mercury Insurance.
Car Insurance in Allen
Updated: August 10, 2025
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Key Takeaways
The cheapest car insurance companies in Allen are State Farm, AAA and GEICO with savings up to 44% compared to the city average.
On average, Allen car insurance costs $195 per month for full coverage and $98 for minimum coverage.
To get the best cheap auto insurance in Allen, we recommend deciding on coverage beforehand, doing plenty of research and comparing quotes from multiple sources.
Who Has the Cheapest Car Insurance in Allen?
| State Farm | $58 | $116 | -44% |
| AAA | $83 | $156 | -23% |
| GEICO | $85 | $157 | -22% |
| Mercury Insurance | $86 | $171 | -17% |
| Progressive | $112 | $176 | -7% |
Compare the Cheapest Allen Car Insurance for You
Your car insurance rates depend heavily on your personal details and driving history. Check the table below to find the cheapest insurance companies for your specific driver profile.
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance by Age Group in Allen
Car insurance prices depend heavily on age, so we've split drivers into three categories: 16-25 (young), 26-64 (adults), and 65+ (seniors). Based on our data in Allen, here's who offers the lowest rate in each group:
- Cheapest car insurance for young drivers: State Farm (from $137 per month)
- Cheapest car insurance for adults: State Farm (from $58 per month)
- Cheapest car insurance for seniors: State Farm (from $68 per month)
Cheapest Car Insurance for Young Drivers in Allen
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.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for Adult Drivers in Allen
In Allen, State Farm provides the lowest rates for adult drivers (26 to 64), saving drivers around 44% on average. AAA and GEICO are also among the top affordable providers for this age group.
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for Senior Drivers in Allen
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.
Data filtered by:Results filtered by:
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
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Driving Record:Clean
| 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% |
Cheapest Car Insurance for High-Risk Drivers in Allen
High-risk drivers in Allen can find affordable car insurance with these providers:
- Cheapest For Bad Credit: GEICO (From $122 per month)
- Cheapest With a DUI: State Farm (From $96 per month)
- Cheapest With an Accident: State Farm (From $69 per month)
- Cheapest With a Speeding Ticket: State Farm (From $58 per month)
Cheapest Car Insurance for Bad Credit in Allen
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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Driving Record:Clean
| 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% |
Cheapest Car Insurance With a DUI in Allen
State Farm offers the most affordable car insurance for Allen drivers with a DUI. Their rates are 39% below the city average for minimum coverage and 41% cheaper for full coverage policies.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| 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% |
Cheapest Car Insurance With an Accident in Allen
Drivers in Allen 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.
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| 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% |
Cheapest Car Insurance With a Speeding Ticket in Allen
For Allen drivers with speeding tickets, State Farm offers the cheapest car insurance options. Their minimum liability coverage costs $58 monthly, while full coverage with higher limits runs $116 per month.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Coverage Level:State Minimum Liability Only
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Gender:Male
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Credit Alignment:Good
| 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% |
Best Car Insurance Companies in Allen
In Allen, the leading car insurance companies are State Farm, Progressive, AAA, Mercury Insurance and GEICO. These insurers stand out for offering 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 |
State Farm: Best Cheap Overall
pros
Lowest rates in Allen, TX
Great customer service reputation
Largest discount selection
cons
Not many add-on coverage selections
Much less affordable for those with bad credit
COMPANY HIGHLIGHTS
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, they earned the third best customer satisfaction rating and ranked 6th nationwide for claims satisfaction according to J.D. Power. Their main drawbacks include limited add-on coverage options with only three choices available and significantly higher rates for drivers with poor credit scores.
How Much Is Car Insurance in Allen?
In Allen, minimum coverage costs about $98 per month or $1,173 per year, ranking 1,454th out of all Texas cities for affordability. Full coverage averages $195 monthly or $2,345 annually, ranking 1,310th among Texas cities.
| Full Coverage | $195 | $2,345 |
| Minimum Coverage | $98 | $1,173 |
Compare Personalized Allen Car Insurance Costs
While average rates by ZIP code and coverage type are helpful, the table below lets you filter Allen car insurance costs by your specific combination of age, driving history and other factors.
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Good
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| $290 | $3,482 | 34% |
Allen Car Insurance Costs by ZIP Code
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.
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ZIP Code:75013
| 75013 | $100 | $198 |
How to Get the Best Cheap Allen Car Insurance
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.
- 1
Calculate your coverage needs first
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 ensure you don't overpay for unnecessary coverage or underinsure your vehicle.
- 2
Explore different coverage types
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.
- 3
Know the average costs
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.
- 4
Check available discounts
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 significant savings.
- 5
Research company reliability
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.
- 6
Get quotes from multiple providers
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.
- 7
Review your policy annually
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 ensure you maintain the best coverage at the lowest possible cost.
Cheapest Car Insurance in Allen: Bottom Line
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.
Cheap Allen Car Insurance: FAQ
Looking for cheap car insurance in Allen? We've gathered straightforward answers about finding affordable coverage that fits your needs and budget.
What is the cheapest car insurance company in Allen, Texas?
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.
Who offers the best car insurance in Allen?
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.
What is the average cost of car insurance in Allen?
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.
Is car insurance in Allen expensive?
Car insurance in Allen costs more than average, ranking 1454th for minimum coverage affordability and 1310th for full coverage compared to other Texas cities.
How We Chose the Best and Cheapest Car Insurance in Allen, TX
To help Allen drivers find the most affordable auto insurance companies, MoneyGeek analyzed Allen auto insurance rates based on data and information from the Texas Department of Insurance and Quadrant Information Services. We studied all ZIP codes in Allen and hundreds of thousands of quotes for 12 companies offering auto insurance in Texas to tailor options as closely as possible to you.
Allen Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Allen with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Allen
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Texas are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
Our Best Company Rating Methodology
We rated all companies in Allen based on the following rating scale:
- Affordability (60% of score): We evaluated quotes for various common driver profiles and compared rates to competition within the city to get this score.
- Customer Experience (30% of Score): Sources like agency reviews on Google, J.D. Power, AM Best and forums like Reddit were used to gauge customer sentiment and experiences across the board to get this score.
- Coverage Options (10% of Score): This score takes into account the amount of coverage options a provider has in addition to the uniqueness of offering and included benefits.
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!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.