Updated: December 1, 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 has the lowest premiums and strong customer satisfaction scores. Progressive offers competitive rates and features such as Snapshot and online policy management tools.
| 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 |
Although the city of Allen has higher-than-average car insurance rates and complex coverage options you can still find good coverage.
Use our car insurance coverage needs calculator to evaluate your car's value and your assets.
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. A non-owner policy might be your best option if you don't own a car.
Research average vehicle insurance costs in Allen to find good deals and avoid overpaying.
Look for car insurance discount. Consider bundling multiple policies or getting multi-car discounts. Safe driver programs and defensive driving courses can also save you money.
Check insurer ratings and reviews from Allen residents.
Contact at least three different insurance providers for quotes.
Set a yearly reminder to review your car insurance policy.
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.
Allen drivers face higher insurance costs than many Texas cities due to rapid suburban growth, increased traffic congestion along U.S. Highway 75, and above-average vehicle values in this affluent Dallas suburb. We built this research to show you which insurers offer the lowest rates for your specific driving profile, so you can maintain required coverage without overpaying in Allen's competitive insurance market.
We collected rate data from the Texas Department of Insurance and Quadrant Information Services, reviewing quotes from 12 major insurers across every ZIP code in the city and comparing hundreds of thousands of data points to find options that best fit local drivers.
We used a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, and no claims history as our baseline. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. We also adjusted factors including age, driving record, credit score, and military affiliation to find the best options for different driver types.
Texas requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums satisfy legal requirements but leave you financially exposed after serious accidents, especially in an affluent area where medical costs and vehicle values run high.
For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This level provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled in Allen's growing suburban environment.
We scored each insurer using three factors: Affordability (60%) comparing rates for several driver profiles against Allen competitors, customer experience (30%) reviewing feedback from Google, J.D. Power, AM Best, and Reddit discussions, and coverage options (10%) considering the range and quality of e
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.
