bestauto insuranceAllenCompare the Cheapest Car Insurance Quotes in Allen, TX
The average cost of car insurance in Allen is $1,228 per year, which is lower than the state average. The cheapest widely available insurer in the city is Farmers, with an average annual premium of $744. MoneyGeek analyzed various policies with different coverage amounts and driving histories. We also determined the best insurance providers that balance affordability and quality.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 1/10/2023
Edited By |
Ashley Jacobs
Written By |
Mark Fitzpatrick
In Allen, Farmers offers the most affordable full coverage and state minimum car insurance. State Farm has the cheapest policy for drivers with a speeding ticket.
For those with a military background, USAA might be the cheapest option.
MoneyGeek’s research found that GEICO is the city’s best insurer that balances affordability and service quality.
bestauto insuranceAllenThe Cheapest and Best Car Insurance in Allen
Cheapest Overall - Farmers
Cheapest State Minimum - Farmers
Cheapest With a Driving Violation - State Farm
Best Overall - GEICO
Methodology
MoneyGeek reviewed different car insurance companies in Allen based on the data gathered from J.D. Power, AM Best,and the National Association of Insurance Commissioners (NAIC).
The Cheapest Car Insurance Companies in Allen
On average, the car insurance companies in Allen with the cheapest full coverage policies are:
- Farmers: $744 per year
- State Farm: $870 per year
For current and former military members, USAA provides the most affordable full coverage insurance at roughly $800 per year.
A full coverage policy includes both comprehensive and collision insurance. If you’re looking for the cheapest option in Allen, you may consider Farmers. Its policies are around 202.4% more affordable than The General, which offers the priciest insurance in the city at approximately $2,250 per year. That said, your premiums may differ based on your chosen liability limits.
Cheapest Car Insurance in Allen
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$744
- 2.$800
- 3.$870
- 4.$934
- 5.$1,016
In accordance with our methodology, MoneyGeek collected average car insurance rates in Allen for a 40-year-old male driver with a full coverage policy.
A full coverage policy tends to be more expensive than minimum coverage but provides more protection in an accident. It includes comprehensive and collision insurance in addition to any optional coverages you purchase.
- Comprehensive Insurance: Covers the cost of repair or replacement of your damaged vehicle due to reasons other than accidents.
- Collision Insurance: Covers the repair or replacement of your damaged vehicle caused by accidents.
If you have an older vehicle, it may not be wise to pay for insurance that costs more than your car is worth. Consider liability only insurance or even state minimum car insurance instead to get the cheapest rates possible.
Compare Car Insurance Rates in Allen
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Allen for Minimum Coverage
If you’re looking for the cheapest car insurance in Allen, getting the state minimum coverage might be your best option. On average, the companies offering the cheapest rates for this policy are:
- Farmers: $396 per year
- State Farm: $485 per year
For military members, veterans and their families, the cheapest company is USAA. This insurer offers minimum coverage at an average of $394 per year.
In Allen, Farmers coverage is the most affordable option. Its policy is around $752 cheaper than The General, which has an average annual rate of $1,148.
A minimum coverage policy is the cheapest insurance you can purchase in the city, but it offers less coverage. Since this coverage doesn’t include comprehensive and collision insurance, you risk not being fully protected. You can use the table below to see how much higher liability coverage costs.
Cheapest Minimum Liability Car Insurance in Allen
State Minimum
- CompanyState Minimumper year
- 1.$394
- 2.$396
- 3.$485
- 4.$524
- 5.$526
Car insurance laws in Texas require you to carry a policy with a minimum of 30/60/25 liability insurance. While this is the cheapest option you can buy in Allen, it provides the least protection. You may even wind up paying more after an accident.
For example, if you are at fault in an accident where the other driver incurs $40,000 in medical bills, your liability insurance will only cover $30,000 of the cost. This means that you’ll have to pay the rest of the balance out of pocket.
Texas Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$30,000 per person, $60,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Allen if You Have Driving Violations
Your car insurance premiums tend to increase if you commit driving violations like DUIs, speeding tickets or at-fault accidents. If you have a violation and you’re looking for the cheapest car insurance company in Allen, here are the most affordable options, on average:
- Cheapest after a ticket: State Farm at $870 per year
- Cheapest after an at-fault accident: Farmers at $1,058 per year
- Cheapest after a DUI: Farmers at $1,094 per year
You can lower your insurance premiums by improving your driving record over time. But for now, the best solution is to shop around and find which company offers you the best cheap car insurance after a violation.
Cheapest Car Insurance in Allen With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$870
- 2.$897
- 3.$969
- 4.$1,094
- 5.$1,103
Average Cost of Car Insurance in Allen
Allen$1,228
Texas$1,316
U.S.$1,424
In Allen, drivers have to pay an average of $1,228 per year to insure their cars. The city rate is 6.7% cheaper than the average state rate. Additionally, the city rate is 13.8% lower than the national auto insurance average.
Personalized Quotes to Get You the Cheapest Car Insurance in Allen
Car insurance quotes in Allen are affected by several factors, including age, gender, ZIP code, coverage level and car make and model. Since insurance providers calculate rates differently, it’s best to gather and compare quotes when shopping around for a policy. Doing this can help you get the best car insurance rates and save hundreds of dollars per year.
Compare Car Insurance Rates in Allen
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Allen
MoneyGeek researched and found the top car insurance companies in Allen based on affordability, customer satisfaction and claims ratings.
The top two providers in this city are:
- Farmers: MoneyGeek score of 94 out of 100
- State Farm: MoneyGeek score of 93 out of 100
We excluded USAA from our rankings since it only caters to military members and their families. However, it earned a score of 96 out of 100. USAA is the best car insurance company for current and former military members and their families.
1
Farmers
Score:94
The best car insurance in Allen is Farmers, with high scores in affordability, customer satisfaction and claims. A full coverage policy costs around $744 per year. Farmers offer original equipment manufacturer (OEM) as insurance add-on coverage.
More About Farmers
Farmers lets their customers in Allen add custom parts coverage, ridesharing insurance and roadside assistance to their policy.
Custom parts coverage is rare among car insurance providers. This covers the cost of repairing or replacing aftermarket equipment like infotainment systems and custom wheels. It is available when you add comprehensive and collision coverage. Another unique add-on that Farmers offers is rideshare insurance. This ensures that customers are covered when they start working with ridesharing service.
Read MoneyGeek's Farmers auto Insurance Review2
State Farm
Score:93
In Allen, State Farm ranks as the second-best auto insurance company thanks to good ratings in affordability, satisfaction and claims. With its average cost of $870 per year in Allen, State Farm offers rideshare insurance.
More About State Farm
State Farm lets its customers add roadside assistance, rental car/travel reimbursement and rideshare insurance to a standard policy in Allen.
Rideshare insurance comes as a unique add-on that other providers don’t offer often. This feature ensures that your policy continues to cover you while working with a ridesharing service. It essentially fills in the gaps when you are working for a rideshare company.
Read MoneyGeek's State Farm auto Insurance Review3
GEICO
Score:86
4
AAA
Score:81
5
Allstate
Score:77
6
Nationwide
Score:70
7
Esurance
Score:57
8
Mercury
Score:53
9
MetLife
Score:35
10
The General
Score:8.8
Average Cost of Car Insurance by Postal Code
Your ZIP code can have a significant impact on the cost of your car insurance. This is because the number of accidents, car-theft incidents and other factors can vary from one location to another.
In Allen, there’s a $35 difference between the most expensive and cheapest ZIP codes. Drivers in 75002 pay approximately $1,211 per year for car insurance, while those in the 75013 area pay $1,246 per year on average.
- Zip CodeState Minimumper year
- 75002$1,211
- 75013$1,246
Factors That Impact Insurance Costs in Allen
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Allen. How Allen ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About the Author
