On average, residents pay $141 monthly for full coverage car insurance in Allen. Depending on personal details, costs range from an affordable $136 to a steep $423. To help drivers understand potential expenses, the table below shows average insurance costs for different driver profiles in the area.
Allen, TX Car Insurance
Updated: January 14, 2025
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Cheapest Car Insurance in Allen: Key Takeaways
In Allen, Texas Farm Bureau, State Farm, and Progressive are among the most affordable car insurance companies, providing competitive rates for various driver profiles.
Texas Farm Bureau offers the cheapest car insurance rates in Texas, with minimum coverage costing $31 per month and full coverage priced at $64 per month.
On average, car insurance in Texas costs $70 per month for minimum coverage and $141 for full coverage. These rates can change based on the driver's profile and history.
Car Insurance Quotes in Allen, TX
| Young Drivers | $92 | $185 |
| Teens | No Data | $423 |
| Seniors | $71 | $136 |
| Drivers With a Speeding Ticket | $84 | $171 |
| Drivers With a DUI | $108 | $207 |
| Drivers With An Accident | $118 | $231 |
| Bad Credit | $123 | $255 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Allen vs. State Average
Texas
State Average Full Coverage Rate
$1,696
Allen, TX
City Average Full Coverage Rate
$1,695More:$1 saved
This is 0% less expensive.
What Is the Average Car Insurance Rate in Allen?
In Allen, the average annual cost for state minimum coverage is $838, while full coverage costs $1,696 per year. These rates are slightly higher than the Texas state averages, where the minimum coverage is $810 and full coverage is $1,695. Residents pay a bit more for car insurance here.
| State Average | $816 | $1,705 |
| Allen Average | $844 | $1,706 |
Cheapest Car Insurance Companies in Allen
Even though premiums are climbing across the Lone Star State, finding cheap car insurance in Allen is still possible. Texas Farm Bureau offers the lowest rate for minimum coverage at $31 per month. For full coverage, they also provide the best rate at $64 monthly.
WHY CAR INSURANCE IN ALLEN IS EXPENSIVE
Car insurance can be pricey in Allen because of traffic, theft rates and accidents. Across the state, high numbers of uninsured drivers, personal injury lawsuits, and insurance fraud also drive up prices for everyone.
Cheap Car Insurance in Allen
Texas Farm Bureau often offers the cheapest car insurance, but the most affordable option varies for each driver. To find the best rates, get quotes from multiple providers. Below is a table with the cheapest car insurance rates for different driver profiles.
| Texas Farm Bureau | Minimum Coverage | $31 |
| Texas Farm Bureau | Full Coverage | $64 |
| State Farm | Teens | $205 |
| Texas Farm Bureau | Young Adults | $59 |
| Texas Farm Bureau | Seniors | $40 |
| Texas Farm Bureau | Bad Credit | $104 |
| Progressive | Drivers With a DUI | $89 |
| State Farm | Drivers With An Accident | $79 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $48 |
Car Insurance Rates in Allen by Company
To get the cheapest car insurance in Allen, compare rates from different companies. Below, we show the most affordable options for minimum coverage and full coverage plans.
Cheapest Car Insurance Companies for Minimum Coverage in Allen
Texas Farm Bureau offers the cheapest minimum coverage auto insurance at $31 per month. Mercury follows closely with a rate of $38 monthly. See the breakdown of the cheapest options in the table below.
| Texas Farm Bureau | $31 | $39 |
| Mercury | $38 | $31 |
| State Farm | $40 | $29 |
| Progressive | $53 | $17 |
| National General | $53 | $16 |
| AAA Texas | $58 | $12 |
| Allstate | $63 | $7 |
| GEICO | $70 | $0 |
Cheapest Car Insurance Companies for Full Coverage in Allen
Texas Farm Bureau offers the cheapest full coverage car insurance in Allen at $64 per month. Below is a list of other providers you can consider.
| AAA Texas | $114 | $27 |
| Allstate | $121 | $20 |
| GEICO | $125 | $17 |
| Mercury | $136 | $6 |
| National General | $116 | $26 |
| Progressive | $103 | $39 |
| State Farm | $83 | $58 |
| Texas Farm Bureau | $64 | $77 |
Car Insurance Companies in Allen
To find affordable car insurance in Allen, get quotes from several companies. Texas Farm Bureau offers the cheapest rate at $571 per year. Mercury is the best cheap provider with a MoneyGeek score of 75. Check the table below for more options to consider.
| Chubb | 90 | $1,370 |
| Mercury | 75 | $1,045 |
| State Farm | 74 | $753 |
| Foremost | 73 | $1,793 |
| Texas Farm Bureau | 73 | $571 |
| AAA Texas | 73 | $1,032 |
| Progressive | 64 | $934 |
| Nationwide | 63 | $1,550 |
| GEICO | 62 | $1,167 |
| Allstate | 61 | $1,103 |
| National General | 52 | $1,015 |
| Dairyland | No Data | $2,971 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Allen by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,516 per year for 40-year-olds and $1,433 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,321 | $-886 |
| 17 | $3,199 | $-764 |
| 18 | $2,795 | $-360 |
| 19 | $2,374 | $61 |
| 20 | $2,485 | $-50 |
| 21 | $1,839 | $596 |
| 22 | $1,845 | $590 |
| 23 | $1,913 | $522 |
| 24 | $1,794 | $641 |
| 25 | $2,222 | $-370 |
| 40 | $1,706 | $146 |
| 65 | $1,637 | $215 |
Cheapest Car Insurance for Teens in Allen
Nationwide offers the cheapest overall car insurance for teens in Allen, with full coverage costing $140 monthly, saving $104 compared to the average state cost. The table below also highlights some of the most affordable providers for this age group.
| Nationwide | $140 | $104 | $348 |
| State Farm | $154 | $89 | $205 |
| GEICO | $193 | $50 | $236 |
| Foremost | $261 | $-17 | $560 |
| Progressive | $280 | $-37 | $754 |
| Allstate | $433 | $-189 | $436 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Allen
Texas Farm Bureau offers the best minimum coverage for young drivers in Allen at $40 per month. They also provide the most affordable full coverage at $79 monthly. Check the table below to see which providers offer the cheapest rate for different young driver profiles.
| Texas Farm Bureau | Minimum Coverage | $40 |
| Texas Farm Bureau | Full Coverage | $79 |
| Texas Farm Bureau | Bad Credit | $130 |
| Progressive | Drivers With a DUI | $109 |
| State Farm | Drivers With An Accident | $98 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $59 |
Cheapest Car Insurance Companies for Young Drivers in Allen
State Farm provides the most affordable auto insurance for young drivers at $79 per month. For more insights, explore affordable auto insurance. The table below shows other companies with competitive rates.
| Texas Farm Bureau | $59 | $79 |
| State Farm | $79 | $59 |
| Progressive | $98 | $40 |
| National General | $109 | $29 |
| AAA Texas | $110 | $28 |
| GEICO | $113 | $25 |
| Allstate | $119 | $18 |
| Mercury | $120 | $18 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Allen
Texas Farm Bureau offers some of the most affordable car insurance in the city, with rates starting at $27 for minimum coverage. However, prices can vary depending on factors like your driving record. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.
| Texas Farm Bureau | Minimum Coverage | $27 |
| Texas Farm Bureau | Full Coverage | $53 |
| Texas Farm Bureau | Bad Credit | $87 |
| Texas Farm Bureau | Drivers With a DUI | $84 |
| Texas Farm Bureau | Drivers With An Accident | $72 |
| Texas Farm Bureau | Drivers With a Speeding Ticket | $40 |
Cheapest Car Insurance Companies for Seniors in Allen
Texas Farm Bureau offers the cheapest monthly premium for seniors at $40 for both minimum and full coverage. State Farm follows with a $57 monthly rate. The table below shows options from top car insurance providers for seniors in Allen.
| Texas Farm Bureau | $40 | $63 |
| State Farm | $57 | $46 |
| Progressive | $79 | $24 |
| AAA Texas | $87 | $16 |
| Allstate | $89 | $14 |
| Mercury | $91 | $12 |
| National General | $93 | $10 |
| GEICO | $98 | $5 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Allen
In Allen, high-risk driver profiles show that both minimum coverage and full coverage rates are generally lower than the state average. Bad credit and DUIs typically lead to the highest car insurance costs. In contrast, accidents and speeding tickets have a smaller impact on rates.
| State Average | $1,190 | $2,417 |
| Allen Average | $1,228 | $2,421 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Insurers typically consider minor driving incidents like a not-at-fault accident or speeding ticket for a few years in Allen. For more serious offenses, such as a DUI, the period extends longer, and you might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Allen
Mercury offers the cheapest minimum coverage for drivers with a DUI at $656 per year. For full coverage, Progressive leads with an annual rate of $1,466. Check out the table below to see more options for low-cost coverage.
| Progressive | $56 | $122 |
| Texas Farm Bureau | $70 | $128 |
| National General | $67 | $138 |
| State Farm | $78 | $154 |
| Mercury | $55 | $182 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Allen
State Farm, Texas Farm Bureau, and Progressive offer the cheapest car insurance for drivers with an at-fault accident in Allen. The table below shows providers offering affordable coverage options for such drivers.
| State Farm | $51 | $104 |
| Texas Farm Bureau | $53 | $108 |
| AAA Texas | $86 | $165 |
| Progressive | $81 | $170 |
| Mercury | $83 | $271 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Allen
Texas Farm Bureau is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $31 and full coverage at $64 monthly. Check the table below to see how other providers charge drivers with a speeding ticket.
| Texas Farm Bureau | $31 | $64 |
| State Farm | $40 | $83 |
| Allstate | $63 | $121 |
| Progressive | $62 | $133 |
| Mercury | $56 | $194 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Allen
Mercury offers the most affordable rates for drivers with bad credit with minimum coverage at $55 monthly. For full coverage, Texas Farm Bureau is the best choice at $142 monthly. See the table below for other affordable options.
| Texas Farm Bureau | $66 | $142 |
| AAA Texas | $90 | $177 |
| Progressive | $80 | $180 |
| Mercury | $55 | $205 |
| National General | $81 | $205 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Allen, TX
In Texas, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
Imagine a scenario where you're at fault in an accident. Your minimum coverage will pay up to $30,000 for one person's injuries and $60,000 total if multiple people are hurt. It also covers up to $25,000 for damage to the other driver's car or property.
Cheap Car Insurance in Allen: Bottom Line
Texas Farm Bureau shines as the cheapest car insurance in Allen, with minimum coverage at $31 and full coverage at $64. No matter your age or credit, you'll find insurers ready to offer good deals. Just make sure your policy includes Texas's mandatory coverage: bodily injury liability, property damage liability, and personal injury protection. Compare quotes to get the best price without skimping on the protection Texas law requires.
Allen Auto Insurance: FAQ
This section provides quick answers to common questions about finding the cheapest and best car insurance options in Allen.
What is the cheapest car insurance company in Allen, Texas?
Texas Farm Bureau offers the most affordable car insurance in Allen, Texas, with rates starting at $31 for state minimum coverage.
What is the best car insurance company in Allen, Texas?
Dairyland is regarded as the top car insurance provider in Allen, Texas. While Dairyland's annual premium for state minimum coverage is $2,970, comprehensive rates will differ.
How much does car insurance cost on average in Allen?
The average cost for minimum coverage car insurance in Allen spans from $70 to $123 per month.
Best Cheap Car Insurance in Allen: Our Methodology
MoneyGeek conducted an analysis of Allen auto insurance prices using data from the Texas Department of Insurance and Quadrant Information Services.
Allen Driver Profile
To assess the best and most affordable auto insurance options for Allen residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Allen
In assessing the car insurance quotes for Allen, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Texas's mandated liability insurance parameters:
The minimum coverage requirements in Texas are:
- $30,000 for bodily injury liability per person
- $60,000 for bodily injury liability per accident
- $25,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability. Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Texas providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Allen
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Allen.
For more details on how these ratings were calculated, refer to MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned 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 5-time Jeopardy champion!
He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.