Compare Allen, TX Car Insurance Rates (2021)

Car insurance in Allen, TX averages $323 a month. Allen, Texas car insurance requirements are 30/60/25, but you might need full coverage insurance if your car is financed. To find cheap Allen car insurance rates, compare quotes from the top car insurance companies in Allen, TX.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Allen is USAA
  • The cheapest car insurance company in Allen for teen drivers is USAA
  • Average car insurance rates in Allen, TX after a DUI are $4,412/year

If you need to buy Allen, Texas car insurance, the options can be confusing. Everything you need to know about car insurance in Allen, TX is right here.

You’ll find Allen car insurance rates, the cheapest Allen, TX car insurance companies, and information on Texas car insurance laws. You can also compare Allen, Texas car insurance rates to Arlington car insurance rates, Corpus Christi car insurance rates, and Plano car insurance rates.

Ready to find affordable Allen, TX car insurance today? Enter your ZIP code for fast, free Allen car insurance quotes.

Cheapest Allen, TX Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Allen, TX car insurance rates? Every Allen, Texas car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Allen, Texas

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,340 $3,360 $3,297 $3,297 $8,876 $10,676 $4,114 $4,268
American Family $2,596 $2,911 $2,497 $2,878 $7,366 $9,605 $3,819 $4,359
GEICO $2,657 $2,881 $2,563 $2,933 $6,010 $6,212 $2,891 $2,880
Nationwide $2,343 $2,377 $2,071 $2,188 $6,752 $8,653 $2,765 $2,988
Progressive $2,363 $2,267 $2,098 $2,141 $9,759 $10,900 $2,820 $2,886
State Farm $2,186 $2,186 $1,956 $1,956 $5,426 $6,947 $2,390 $2,458
USAA $1,563 $1,557 $1,499 $1,469 $4,556 $4,922 $2,076 $2,196

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Minimum Car Insurance in Allen, TX

Every driver must carry the minimum car insurance in Allen, TX. Take a look at the Texas car insurance requirements.

Minimum Required Car Insurance Coverage in Allen, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Allen, TX Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Allen, TX. Compare credit history car insurance rates in Allen from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Allen, Texas

Insurance Company Poor Fair Good
Allstate $6,551 $4,799 $4,111
American Family $6,118 $3,946 $3,447
GEICO $5,613 $3,167 $2,105
Nationwide $4,509 $3,634 $3,158
Progressive $4,966 $4,282 $3,965
State Farm $4,514 $2,811 $2,240
USAA $3,627 $2,111 $1,701

Cheapest Allen, TX Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Allen, TX to rates for a clean record with top companies.

Annual Allen, Texas Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,977 $6,196 $6,464 $3,977
American Family $4,086 $5,251 $4,591 $4,086
GEICO $3,074 $4,099 $3,383 $3,957
Nationwide $3,268 $3,268 $4,841 $3,691
Progressive $3,844 $4,949 $4,489 $4,336
State Farm $2,813 $3,253 $3,875 $2,813
USAA $1,837 $2,732 $3,240 $2,109

Cheapest Allen, TX Car Insurance for Teen Drivers

Teen car insurance in Allen, TX can be expensive. Take a look at rates from the top car insurance companies in Allen for teenagers.

Annual Car Insurance Rates for Teen Drivers in Allen, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,876 $10,676
American Family $7,366 $9,605
GEICO $6,010 $6,212
Nationwide $6,752 $8,653
Progressive $9,759 $10,900
State Farm $5,426 $6,947
USAA $4,556 $4,922

Cheapest Allen, TX Car Insurance for Seniors

Take a look at Allen, TX senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Allen, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,297 $3,297
American Family $2,497 $2,878
GEICO $2,563 $2,933
Nationwide $2,071 $2,188
Progressive $2,098 $2,141
State Farm $1,956 $1,956
USAA $1,499 $1,469

Cheapest Allen, TX Car Insurance Rates After a DUI

A DUI in Allen, TX increases car insurance rates. Compare Allen, Texas DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Allen, Texas

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,464
American Family $4,591
GEICO $3,383
Nationwide $4,841
Progressive $4,489
State Farm $3,875
USAA $3,240

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Cheapest Allen, TX Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Allen, TX by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Allen, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,027 $5,280
American Family $4,504 $4,504
GEICO $3,563 $3,694
Nationwide $3,767 $3,767
Progressive $4,404 $4,404
State Farm $3,188 $3,188
USAA $2,449 $2,511

Cheapest Allen, TX Car Insurance Rates by ZIP Code

Allen car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Allen, TX.

Annual Car Insurance Rates by ZIP Code in Allen, Texas

ZIP Code Average Annual Rates
75002 $5,576
75013 $5,821

The Best Cheap Car Insurance Companies in Allen, TX

Take a look at a side-by-side comparison of the top car insurance companies in Allen, TX to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Allen, Texas

Insurance Company Average Annual Rates
Allstate $5,154
American Family $4,504
GEICO $3,628
Nationwide $3,767
Progressive $4,404
State Farm $3,188
USAA $2,480

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Category Winners: Cheapest Car Insurance in Allen, Texas

Find the cheapest car insurance companies in Allen, TX for each category right here.

Best Annual Car Insurance Rates by Company in Allen, Texas

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI USAA
With 1 Speeding Violation USAA

Cheapest Allen, TX Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Allen car insurance rates. Find the cheapest Allen, TX car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Allen, Texas

Insurance Company Low Medium High
Allstate $5,013 $5,101 $5,347
American Family $4,184 $4,336 $4,992
GEICO $3,437 $3,591 $3,857
Nationwide $4,044 $3,609 $3,648
Progressive $4,237 $4,389 $4,587
State Farm $3,013 $3,182 $3,370
USAA $2,393 $2,470 $2,575

What affects car insurance rates in Allen, Texas?

What factors can have an impact on Allen, TX car insurance? There are several reasons why Allen car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Allen, Texas.

Car Theft in Allen

High levels of vehicle theft can make car insurance more expensive. Allen, TX car theft statistics from the FBI indicate 67 vehicle thefts a year.

Commute Time in Allen

The more time you spend in your car the higher the risk of an accident. The average commute length in Allen, TX is 28.6 minutes according to City-Data.

Traffic in Allen

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Allen, TX traffic data from INRIX ranks Allen as the 730th-most congested in the world.

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Compare Car Insurance Quotes in Allen, TX

Ready to find affordable Allen, Texas car insurance today? Enter your ZIP code for fast, free Allen, TX car insurance quotes.

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