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Your personal insurance needs and driving record will impact the quotes you receive. However, MoneyGeek found that State Farm offers the cheapest minimum coverage policies in Allen. It’s also the cheapest option for full coverage, drivers with speeding tickets or at-fault accidents and military members. Nationwide is the cheapest insurer for teens. For drivers looking to balance cost with overall experience, MoneyGeek recommends Texas Farm Bureau. Chubb offers the best customer service in all of Allen, Texas.

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2023

Cheapest and Best Car Insurance in Allen, TX

Cheapest Minimum Liability Car Insurance in Allen

The cheapest car insurance companies in Allen for a minimum coverage policy are:

  • State Farm: $363 per year
  • Allstate: $368 per year

The most expensive minimum coverage provider based on MoneyGeek’s comparison of rates in Allen is Dairyland, with an annual premium of $1,051.

Comparing rates across the state, State Farm policies are also the cheapest in Texas for minimum coverage car insurance. A minimum coverage policy in Texas costs around $300 per year, which is less than the average price of policies in Allen.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$324

$27

State Farm

$338

$28

State Farm

$363

$30

Allstate

$368

$31

Texas Farm Bureau

$373

$31

Allstate

$378

$31

Mercury

$426

$35

State Farm

$443

$37

Allstate

$461

$38

Mercury

$462

$38

Texas Farm Bureau

$475

$40

AAA Texas

$502

$42

AAA Texas

$534

$44

Mercury

$550

$46

Nationwide

$556

$46

Progressive

$578

$48

Nationwide

$584

$49

Progressive

$592

$49

GEICO

$600

$50

Chubb

$611

$51

GEICO

$629

$52

Texas Farm Bureau

$641

$53

AAA Texas

$644

$54

State Farm

$647

$54

Chubb

$670

$56

National General

$672

$56

GEICO

$688

$57

National General

$694

$58

Progressive

$695

$58

State Farm

$707

$59

Foremost

$722

$60

Allstate

$737

$61

Texas Farm Bureau

$769

$64

Nationwide

$785

$65

Allstate

$799

$67

Foremost

$835

$70

National General

$854

$71

Nationwide

$908

$76

State Farm

$914

$76

Mercury

$934

$78

Texas Farm Bureau

$947

$79

Mercury

$982

$82

Foremost

$989

$82

AAA Texas

$992

$83

AAA Texas

$995

$83

Dairyland

$1,021

$85

GEICO

$1,027

$86

GEICO

$1,045

$87

Dairyland

$1,051

$88

Allstate

$1,071

$89

Nationwide

$1,111

$93

Chubb

$1,177

$98

Chubb

$1,197

$100

GEICO

$1,226

$102

Dairyland

$1,248

$104

Mercury

$1,278

$107

AAA Texas

$1,300

$108

Nationwide

$1,346

$112

Chubb

$1,375

$115

Progressive

$1,392

$116

National General

$1,424

$119

Progressive

$1,448

$121

Foremost

$1,452

$121

Foremost

$1,544

$129

National General

$1,552

$129

National General

$1,753

$146

Dairyland

$1,802

$150

Progressive

$1,808

$151

Foremost

$1,940

$162

Dairyland

$2,010

$167

Chubb

$2,156

$180

Dairyland

$2,470

$206

A minimum coverage policy in Texas covers bodily injury liability per person and accident, as well as property damage liability per accident. The following coverage limits are required in Texas:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

A minimum coverage policy protects drivers from paying for at-fault damages to others out of pocket. For example, if you carry $30,000 in bodily injury liability per person and $60,000 per accident, your insurance provider handles medical costs up to $30,000 per person, maxing out at $60,000 total (regardless of how many people are injured). You’ll pay any costs beyond your limits out of pocket.

Cheapest Full Coverage Car Insurance in Allen

The cheapest car insurance companies for a full coverage policy in Allen are:

  • State Farm: $707 per year
  • Texas Farm Bureau: $769 per year

The most expensive company is Dairyland, which costs $2,010 per year.

MoneyGeek found that State Farm and Texas Farm Bureau are also the cheapest auto insurance providers in Texas for a full coverage policy. A full coverage policy in Texas from State Farm costs $711 per year — a slight difference from policies in Allen. Texas Farm Bureau offers slightly cheaper policies at $760 per year.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$324

$27

State Farm

$338

$28

State Farm

$363

$30

Allstate

$368

$31

Texas Farm Bureau

$373

$31

Allstate

$378

$31

Mercury

$426

$35

State Farm

$443

$37

Allstate

$461

$38

Mercury

$462

$38

Texas Farm Bureau

$475

$40

AAA Texas

$502

$42

AAA Texas

$534

$44

Mercury

$550

$46

Nationwide

$556

$46

Progressive

$578

$48

Nationwide

$584

$49

Progressive

$592

$49

GEICO

$600

$50

Chubb

$611

$51

GEICO

$629

$52

Texas Farm Bureau

$641

$53

AAA Texas

$644

$54

State Farm

$647

$54

Chubb

$670

$56

National General

$672

$56

GEICO

$688

$57

National General

$694

$58

Progressive

$695

$58

State Farm

$707

$59

Foremost

$722

$60

Allstate

$737

$61

Texas Farm Bureau

$769

$64

Nationwide

$785

$65

Allstate

$799

$67

Foremost

$835

$70

National General

$854

$71

Nationwide

$908

$76

State Farm

$914

$76

Mercury

$934

$78

Texas Farm Bureau

$947

$79

Mercury

$982

$82

Foremost

$989

$82

AAA Texas

$992

$83

AAA Texas

$995

$83

Dairyland

$1,021

$85

GEICO

$1,027

$86

GEICO

$1,045

$87

Dairyland

$1,051

$88

Allstate

$1,071

$89

Nationwide

$1,111

$93

Chubb

$1,177

$98

Chubb

$1,197

$100

GEICO

$1,226

$102

Dairyland

$1,248

$104

Mercury

$1,278

$107

AAA Texas

$1,300

$108

Nationwide

$1,346

$112

Chubb

$1,375

$115

Progressive

$1,392

$116

National General

$1,424

$119

Progressive

$1,448

$121

Foremost

$1,452

$121

Foremost

$1,544

$129

National General

$1,552

$129

National General

$1,753

$146

Dairyland

$1,802

$150

Progressive

$1,808

$151

Foremost

$1,940

$162

Dairyland

$2,010

$167

Chubb

$2,156

$180

Dairyland

$2,470

$206

A full coverage policy adds comprehensive and collision insurance on top of your liability coverage.

  • Collision insurance covers any damage caused by collisions, regardless of who is at fault.
  • Comprehensive insurance covers all other types of damage outside of collisions, such as natural disasters, animal attacks, falling trees, theft and vandalism.

Full coverage is often a better choice for drivers with newer vehicles. Older vehicles tend to have lower value and may not be worth the extra investment for full coverage.

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Cheapest Car Insurance in Allen After a Driving Offense

The cheapest full coverage car insurance companies in Allen for those with driving violations are:

  • Speeding ticket: State Farm ($707 per year)
  • At-fault accident: State Farm ($885 per year)
  • DUI: Mercury ($1,279 per year)

Chubb has the most expensive policies in Allen after a DUI at $2,693 per year. Dairyland offers policies at $2,459 per year for drivers with a speeding ticket. Meanwhile, Foremost costs $3,304 per year if you have an at-fault accident on your record.

Having violations on your driving record can significantly increase your insurance premiums. The cheapest rates for drivers with offenses will likely be much more expensive than rates for safe drivers.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$324

$27

State Farm

$338

$28

State Farm

$363

$30

Allstate

$368

$31

Texas Farm Bureau

$373

$31

Allstate

$378

$31

State Farm

$435

$36

State Farm

$443

$37

Allstate

$461

$38

State Farm

$463

$39

Texas Farm Bureau

$475

$40

State Farm

$553

$46

Texas Farm Bureau

$592

$49

Mercury

$595

$50

Mercury

$607

$51

Allstate

$629

$52

Texas Farm Bureau

$636

$53

Progressive

$638

$53

Texas Farm Bureau

$641

$53

Allstate

$646

$54

State Farm

$647

$54

Nationwide

$659

$55

Chubb

$659

$55

Allstate

$671

$56

AAA Texas

$675

$56

State Farm

$676

$56

GEICO

$681

$57

Nationwide

$686

$57

Allstate

$688

$57

Progressive

$692

$58

Progressive

$699

$58

State Farm

$703

$59

State Farm

$707

$59

Mercury

$709

$59

GEICO

$717

$60

AAA Texas

$717

$60

Chubb

$724

$60

Mercury

$727

$61

Texas Farm Bureau

$728

$61

Allstate

$737

$61

Mercury

$738

$62

GEICO

$746

$62

AAA Texas

$758

$63

Progressive

$759

$63

National General

$763

$64

Mercury

$765

$64

Progressive

$768

$64

Texas Farm Bureau

$769

$64

National General

$774

$65

National General

$788

$66

Allstate

$789

$66

State Farm

$792

$66

AAA Texas

$795

$66

Allstate

$799

$67

National General

$806

$67

AAA Texas

$806

$67

Foremost

$814

$68

Texas Farm Bureau

$814

$68

State Farm

$820

$68

Progressive

$830

$69

GEICO

$830

$69

Allstate

$842

$70

Texas Farm Bureau

$842

$70

AAA Texas

$846

$71

AAA Texas

$865

$72

Foremost

$877

$73

State Farm

$885

$74

GEICO

$893

$74

Nationwide

$898

$75

Mercury

$900

$75

Progressive

$910

$76

Chubb

$912

$76

GEICO

$913

$76

State Farm

$914

$76

Nationwide

$929

$77

Texas Farm Bureau

$947

$79

Foremost

$947

$79

Nationwide

$964

$80

National General

$968

$81

National General

$970

$81

AAA Texas

$973

$81

Chubb

$1,001

$83

Progressive

$1,006

$84

AAA Texas

$1,021

$85

Foremost

$1,029

$86

Dairyland

$1,039

$87

National General

$1,054

$88

Progressive

$1,057

$88

Mercury

$1,065

$89

Dairyland

$1,068

$89

GEICO

$1,069

$89

GEICO

$1,069

$89

Allstate

$1,071

$89

Foremost

$1,084

$90

Texas Farm Bureau

$1,096

$91

National General

$1,102

$92

State Farm

$1,114

$93

Texas Farm Bureau

$1,127

$94

Foremost

$1,148

$96

Nationwide

$1,155

$96

Nationwide

$1,161

$97

Mercury

$1,165

$97

GEICO

$1,169

$97

Nationwide

$1,191

$99

Chubb

$1,193

$99

Allstate

$1,205

$100

Nationwide

$1,211

$101

GEICO

$1,217

$101

GEICO

$1,219

$102

State Farm

$1,247

$104

National General

$1,263

$105

Dairyland

$1,269

$106

Chubb

$1,271

$106

Allstate

$1,271

$106

Mercury

$1,279

$107

Allstate

$1,285

$107

Texas Farm Bureau

$1,285

$107

Chubb

$1,293

$108

Texas Farm Bureau

$1,294

$108

Nationwide

$1,296

$108

AAA Texas

$1,308

$109

Chubb

$1,311

$109

State Farm

$1,313

$109

AAA Texas

$1,315

$110

Mercury

$1,346

$112

Allstate

$1,351

$113

Dairyland

$1,354

$113

GEICO

$1,358

$113

Nationwide

$1,386

$116

Mercury

$1,449

$121

Dairyland

$1,451

$121

AAA Texas

$1,455

$121

AAA Texas

$1,466

$122

GEICO

$1,478

$123

Chubb

$1,486

$124

GEICO

$1,507

$126

Dairyland

$1,510

$126

AAA Texas

$1,521

$127

Nationwide

$1,531

$128

Texas Farm Bureau

$1,532

$128

AAA Texas

$1,532

$128

State Farm

$1,541

$128

Dairyland

$1,546

$129

Nationwide

$1,550

$129

Mercury

$1,596

$133

Texas Farm Bureau

$1,598

$133

Progressive

$1,631

$136

Mercury

$1,636

$136

GEICO

$1,644

$137

Dairyland

$1,646

$137

Progressive

$1,649

$137

National General

$1,654

$138

Foremost

$1,657

$138

Nationwide

$1,658

$138

Mercury

$1,703

$142

AAA Texas

$1,717

$143

Allstate

$1,724

$144

Chubb

$1,759

$147

National General

$1,765

$147

Foremost

$1,768

$147

Progressive

$1,773

$148

Foremost

$1,773

$148

Foremost

$1,780

$148

Chubb

$1,789

$149

Dairyland

$1,792

$149

Progressive

$1,799

$150

Allstate

$1,816

$151

Dairyland

$1,820

$152

GEICO

$1,854

$155

National General

$1,854

$155

National General

$1,864

$155

AAA Texas

$1,913

$159

Foremost

$1,917

$160

Nationwide

$1,920

$160

Mercury

$1,924

$160

Texas Farm Bureau

$1,931

$161

GEICO

$1,933

$161

GEICO

$1,936

$161

National General

$1,985

$165

AAA Texas

$2,000

$167

Progressive

$2,006

$167

Nationwide

$2,027

$169

Dairyland

$2,029

$169

Chubb

$2,057

$171

Foremost

$2,110

$176

Nationwide

$2,126

$177

Progressive

$2,149

$179

Foremost

$2,151

$179

National General

$2,197

$183

Foremost

$2,204

$184

Progressive

$2,252

$188

Foremost

$2,273

$189

National General

$2,281

$190

Chubb

$2,303

$192

Chubb

$2,330

$194

Progressive

$2,331

$194

Chubb

$2,343

$195

Mercury

$2,366

$197

Mercury

$2,371

$198

Dairyland

$2,459

$205

Dairyland

$2,462

$205

National General

$2,472

$206

Dairyland

$2,492

$208

National General

$2,528

$211

Nationwide

$2,532

$211

Progressive

$2,664

$222

Chubb

$2,693

$224

Dairyland

$2,778

$232

Dairyland

$2,809

$234

Dairyland

$2,911

$243

Dairyland

$3,129

$261

Chubb

$3,226

$269

Foremost

$3,304

$275

Foremost

$3,830

$319

Foremost

$3,926

$327

Chubb

$4,224

$352

Allen drivers should still compare different providers to find the cheapest car insurance with a bad driving record. The more violations a driver has, the higher their insurance premiums tend to be.

A full coverage policy in Allen costs $1,158 per year. After a DUI, rates increase by 47% — resulting in premium costs of $1,697 per year. When issued a speeding ticket, premiums increase by 20% — resulting in a premium of $1,392 per year.

Premium rates for drivers with a DUI are $305 higher than for drivers with a speeding ticket.

Cheapest Car Insurance in Allen for Teens and Their Families

The cheapest car insurance for teens on a family policy in Allen are:

  • Nationwide: $1,608 for female teens; $1,833 for male teens
  • State Farm: $1,816 for female teens; $2,197 for male teens

Allstate offers the most expensive policies. Female teens pay around $6,022 per year on a family policy, whereas male teens pay about $7,087 per year. Male teens are considered riskier to insure, so their premiums tend to be higher. Nationwide charges male teens an additional $225 per year, while State Farm charges male teens an additional $381 per year.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$646

$3,076

State Farm

$752

$3,584

State Farm

$771

$4,184

State Farm

$810

$3,861

Nationwide

$1,055

$2,398

Nationwide

$1,067

$2,581

State Farm

$1,079

$3,695

Nationwide

$1,115

$3,219

Nationwide

$1,181

$3,697

State Farm

$1,182

$4,430

Nationwide

$1,187

$2,699

Nationwide

$1,205

$3,013

State Farm

$1,211

$4,149

Nationwide

$1,252

$2,846

Nationwide

$1,261

$3,050

Nationwide

$1,273

$3,449

State Farm

$1,279

$5,118

State Farm

$1,333

$4,564

Nationwide

$1,337

$3,234

State Farm

$1,418

$6,110

State Farm

$1,443

$5,410

State Farm

$1,481

$5,633

Nationwide

$1,498

$5,246

Allstate

$1,528

$2,030

Nationwide

$1,529

$6,167

Nationwide

$1,563

$4,514

Nationwide

$1,608

$6,668

State Farm

$1,630

$6,937

Nationwide

$1,642

$6,625

Allstate

$1,645

$2,093

GEICO

$1,680

$3,128

Nationwide

$1,695

$6,710

GEICO

$1,698

$3,774

GEICO

$1,702

$3,013

GEICO

$1,722

$3,205

GEICO

$1,726

$3,056

GEICO

$1,737

$3,772

Nationwide

$1,742

$7,805

Nationwide

$1,759

$5,507

State Farm

$1,762

$7,721

GEICO

$1,762

$3,444

State Farm

$1,775

$6,752

GEICO

$1,797

$3,346

GEICO

$1,800

$3,455

State Farm

$1,812

$7,710

State Farm

$1,816

$8,536

GEICO

$1,820

$3,223

Nationwide

$1,833

$8,444

Allstate

$1,853

$2,462

Nationwide

$1,872

$8,391

Allstate

$1,883

$2,889

State Farm

$1,973

$8,671

Allstate

$1,976

$2,625

Progressive

$1,978

$3,060

GEICO

$1,994

$5,055

GEICO

$2,011

$4,472

Progressive

$2,056

$5,014

Progressive

$2,058

$3,026

GEICO

$2,070

$5,148

GEICO

$2,103

$4,565

Foremost

$2,157

$3,544

Allstate

$2,161

$2,749

GEICO

$2,164

$6,048

State Farm

$2,190

$9,625

State Farm

$2,197

$10,671

Allstate

$2,208

$3,363

Foremost

$2,217

$3,049

Allstate

$2,232

$3,278

Progressive

$2,235

$5,427

GEICO

$2,254

$6,218

Foremost

$2,324

$3,196

Foremost

$2,334

$3,354

Progressive

$2,347

$3,451

Foremost

$2,355

$3,238

Allstate

$2,381

$3,029

Foremost

$2,383

$4,034

Progressive

$2,395

$3,707

Foremost

$2,408

$3,201

GEICO

$2,412

$6,742

Progressive

$2,458

$6,806

Progressive

$2,477

$4,344

GEICO

$2,478

$7,991

Progressive

$2,515

$4,698

Progressive

$2,526

$6,161

Progressive

$2,550

$3,749

GEICO

$2,552

$7,041

Foremost

$2,589

$3,440

Allstate

$2,609

$3,830

GEICO

$2,623

$8,446

Foremost

$2,637

$3,793

Progressive

$2,650

$4,101

Foremost

$2,699

$3,588

Progressive

$2,783

$7,768

Foremost

$2,847

$9,461

Progressive

$2,914

$7,077

Foremost

$2,928

$9,588

Allstate

$2,967

$5,307

Foremost

$2,968

$9,862

Allstate

$3,057

$4,489

Foremost

$3,081

$10,088

Progressive

$3,122

$13,968

Foremost

$3,157

$6,162

Foremost

$3,189

$6,242

Foremost

$3,360

$14,174

Progressive

$3,475

$15,677

Progressive

$3,489

$16,282

Foremost

$3,496

$5,917

Foremost

$3,500

$14,705

Allstate

$3,501

$6,283

Foremost

$3,564

$5,855

Allstate

$3,612

$5,302

Progressive

$3,705

$16,575

Progressive

$3,838

$17,973

Progressive

$4,055

$18,293

Allstate

$4,542

$6,396

Allstate

$5,340

$7,534

Allstate

$5,561

$7,832

Allstate

$6,022

$11,214

Allstate

$6,539

$9,225

Allstate

$7,087

$13,238

Teen drivers are usually insured under their parents’ policy, as drivers under the age of 18 cannot legally purchase auto insurance themselves without a parent or guardian as a co-signer. Additionally, the cost savings between these two options are usually significant.

In Allen, instead of paying about $7,077 per year on an individual policy, male teens can save around $3,267 — or 46% — by opting for a family policy.

To ensure you get the most savings, take the time to compare the cheapest car insurance companies for teens.

Cheapest Car Insurance in Allen for Military Drivers

The cheapest car insurance companies for active or veteran military members and their families in Allen are:

  • State Farm: $707 per year
  • Texas Farm Bureau: $769 per year

USAA is another excellent car insurance company and is consistently one of the best options for military members. Policies from USAA cost $839 per year.

For military members looking for a cheaper auto insurance policy that meets Texas’ minimum requirements, the two cheapest companies in Allen are State Farm and Allstate. State Farm offers minimum coverage for $363 per year, while Allstate offers it for $368 per year.

Company
Annual Premium
Monthly Premium

Texas Farm Bureau

$324

$27

State Farm

$338

$28

State Farm

$363

$30

Allstate

$368

$31

Texas Farm Bureau

$373

$31

Allstate

$378

$31

USAA

$389

$32

USAA

$414

$35

Mercury

$426

$35

State Farm

$443

$37

Allstate

$461

$38

Mercury

$462

$38

USAA

$468

$39

Texas Farm Bureau

$475

$40

AAA Texas

$502

$42

AAA Texas

$534

$44

Mercury

$550

$46

Nationwide

$556

$46

Progressive

$578

$48

Nationwide

$584

$49

Progressive

$592

$49

GEICO

$600

$50

Chubb

$611

$51

GEICO

$629

$52

Texas Farm Bureau

$641

$53

AAA Texas

$644

$54

State Farm

$647

$54

Chubb

$670

$56

National General

$672

$56

GEICO

$688

$57

National General

$694

$58

Progressive

$695

$58

State Farm

$707

$59

Foremost

$722

$60

Allstate

$737

$61

Texas Farm Bureau

$769

$64

Nationwide

$785

$65

Allstate

$799

$67

USAA

$826

$69

Foremost

$835

$70

USAA

$839

$70

National General

$854

$71

Nationwide

$908

$76

State Farm

$914

$76

Mercury

$934

$78

Texas Farm Bureau

$947

$79

Mercury

$982

$82

Foremost

$989

$82

AAA Texas

$992

$83

AAA Texas

$995

$83

USAA

$1,018

$85

Dairyland

$1,021

$85

GEICO

$1,027

$86

GEICO

$1,045

$87

Dairyland

$1,051

$88

Allstate

$1,071

$89

Nationwide

$1,111

$93

Chubb

$1,177

$98

Chubb

$1,197

$100

GEICO

$1,226

$102

Dairyland

$1,248

$104

Mercury

$1,278

$107

AAA Texas

$1,300

$108

Nationwide

$1,346

$112

Chubb

$1,375

$115

Progressive

$1,392

$116

National General

$1,424

$119

Progressive

$1,448

$121

Foremost

$1,452

$121

Foremost

$1,544

$129

National General

$1,552

$129

National General

$1,753

$146

Dairyland

$1,802

$150

Progressive

$1,808

$151

Foremost

$1,940

$162

Dairyland

$2,010

$167

Chubb

$2,156

$180

Dairyland

$2,470

$206

How to Compare Cheap Allen Car Insurance Quotes Online

Searching for auto insurance is time-consuming. Obtaining a quote from a single provider can take 15 minutes — at a minimum.

To help you with the process, MoneyGeek’s insurance calculator compiles rates and estimates your average premium based on information such as age, vehicle type, coverage level and driving record.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Click the section of the wheel in your price range to see options.

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Click an insurer below to visit their review page or continue to your personalized quote.

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Best Car Insurance in Allen: Summary

Every driver will have their own unique car insurance needs depending on how much they value cost, service coverage and other factors.

Based on MoneyGeek’s analysis, the following companies are the best car insurance choices for the average driver in Allen, Texas:

  • Best overall: Texas Farm Bureau (MoneyGeek score of 79 out of 100)
  • Best for service: Chubb (MoneyGeek score of 76 out of 100)
  • Best cheap: Texas Farm Bureau: (MoneyGeek score of 81 out of 100)

MoneyGeek’s unique score can change based on how factors are weighted across categories.

USAA Auto Insurance is also a great choice for military members and their families in Allen, offering tailored coverage and discounts for active and former military members. It earned a MoneyGeek score of 81 out of 100.

Best Overall Car Insurance in Allen

MoneyGeek found that the best car insurance providers in Allen are:

  • Texas Farm Bureau: MoneyGeek score of 79 out of 100 ($769 per year)
  • State Farm: MoneyGeek score of 76 out of 100 ($707 per year)

Texas Farm Bureau earned near-perfect scores for affordability and satisfaction. Companies that can consistently balance these factors tend to offer competitive, high-quality service. USAA scored 81 out of 100 in our analysis, but it’s only available to veterans and active military members.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

Nearly perfect satisfaction score

Nearly perfect affordability score

Second most affordable provider in Allen, Texas

cons

Low scores for coverage offerings

Lacks common coverage opportunities like gap insurance, new car replacement and accident forgiveness

COMPANY HIGHLIGHTS

Texas Farm Bureau earned a MoneyGeek score of 79 out of 100. Policies from this insurer average around $769 per year.

More About Texas Farm Bureau

For Allen drivers working as contractors for companies like Lyft or Uber, Texas Farm Bureau offers rideshare insurance coverage. Rideshare companies typically only offer limited protections for specific accident scenarios, so this coverage can offer some peace of mind while working. Texas Farm Bureau offers roadside assistance so you can get help if your car breaks down. They also offer rental car and travel reimbursement to get you back on the road after a roadside breakdown or an accident.

Texas Farm Bureau scores very highly for general customer satisfaction in J.D. Power’s customer satisfaction surveys. Despite its limited coverage opportunities, customers feel good about the quality of the company’s services.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Best Car Insurance in Allen for Customer Service

If we remove cost from our analysis, the overall best companies in Allen for customer service are:

  • Chubb: MoneyGeek score 76 out of 100 ($1,375 per year)
  • Foremost: MoneyGeek score 67 out of 100 ($1,452 per year)

Chubb earned above-average customer satisfaction and claims management scores. Foremost offers its policyholders a wide variety of valuable coverages and receives a slightly higher satisfaction score than Chubb. Chubb’s average annual premium is in the mid-range of affordability — but it’s nearly twice as expensive as Texas Farm Bureau, which scored similarly for customer satisfaction.

How was this MoneyGeek score calculated?

Chubb

pros

High claims management score

High satisfaction score

Offers original equipment manufacturer (OEM) coverage, diminished value coverage and antique/classic car coverage

cons

Expensive compared to other insurers with similar satisfaction scores

Basic coverage offers

Lacks basic coverage options like roadside assistance, accident forgiveness, gap insurance and new car replacement

COMPANY HIGHLIGHTS

Chubb earned a total MoneyGeek score of 76 out of 100. On average, policies from this insurer cost about $1,375 annually or $115 monthly.

More About Chubb

While it lacks many common coverage options insurers provide, Chubb is ideal for drivers who prefer to get their vehicle repaired with original parts. Chubb’s OEM coverage pays for the original parts — which usually cost more — to bring your vehicle to its original look, feel and function before it was damaged. Diminished value coverage only applies if the value of your car is less after repair and parts replacement from an accident. In some cases, especially with older vehicles, a car can be worth more than its pre-accident value.

Best Cheap Car Insurance in Allen

Based on an analysis of affordability and customer service quality, the following minimum coverage policies are the best in Allen:

  • Texas Farm Bureau: MoneyGeek score 81 out of 100 ($373 per year)
  • State Farm: MoneyGeek score 78 out of 100 ($363 per year)

Minimum coverage policies in Allen are the cheapest insurance options you can find. However, while minimum coverage will protect you from medical expenses and property damages done to other drivers and their vehicles, it will not cover your own vehicle and medical expenses, potentially leaving you with large out-of-pocket costs.

How was this MoneyGeek score calculated?

Texas Farm Bureau

pros

High satisfaction score

Perfect affordability score

Offers common basic coverage such as rental car and/or travel reimbursement, roadside assistance and rideshare insurance

cons

Low claims management score

Lacks unique coverage options like accident forgiveness and gap insurance

COMPANY HIGHLIGHTS

Texas Farm Bureau earned a MoneyGeek score of 81 out of 100, outranking 10 other companies as the best and cheapest insurer for the average driver in Allen.

Texas Farm Bureau

Texas Farm Bureau scores best in the affordability and customer satisfaction categories for minimum coverage policies. The company offers three common basic coverage options. Its roadside assistance program, in particular, includes a dispatch service that takes care of unexpected mechanical, electrical and other vehicle failures not caused by a collision. Policyholders are covered up to $120 for towing, flat tire repair, fuel delivery, locksmith and other reasonable and necessary charges. Texas Farm Bureau doesn’t offer gap insurance, new car replacement or accident forgiveness.

Read MoneyGeek's Texas Farm Bureau Auto Insurance Review

Average Cost of Car Insurance in Allen

For Allen drivers, the average annual cost of a full coverage car insurance policy is $1,158 as of October 2022. This rate includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Compared to the average cost of car insurance in Texas, which is $1,201 annually, policies in Allen are $43 cheaper per year. At the national level, policies in Allen are $64 cheaper per year than average.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.