Buy Cheap Allen, TX Auto Insurance in 2024
Allen, TX auto insurance rates average $323 a month. Minimum auto insurance requirements in Allen, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Allen, TX, compare Allen auto insurance quotes from top companies.
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Allen, TX for teens drivers are $6,964/year
- Average auto insurance rates in Allen, TX after a DUI are $4,412/year
- Average auto insurance rates in Allen, TX are $323/month
Finding affordable Allen, Texas auto insurance can be challenging, but everything you need to know to buy cheap Allen, TX auto insurance with confidence is right here. Auto insurance rates in Allen are affected by local factors as well as personal ones like your driving record.
See how Allen, TX car insurance rates compare to Houston auto insurance rates, Arlington auto insurance rates, and San Antonio auto insurance rates before you read more about the cost of auto insurance in Allen.
Don’t buy Allen, TX auto insurance until you’ve compared rates. Get free Allen, Texas auto insurance quotes when you enter your ZIP code above.
Allen, TX Minimum Auto Insurance Requirements
The required auto insurance in Allen, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Allen, Texas is outlined here.
| 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 |
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Find Cheap Allen, TX Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Allen, TX. Take a look at Allen, Texas auto insurance rates by credit history.
| 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 |
Buy Cheap Allen, TX Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Allen, Texas auto insurance rates? Find out how car insurance rates in Allen, TX are impacted by demographics.
| 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 |
Buy Cheap Allen, TX Auto Insurance for Teen Drivers
Auto insurance for teenagers in Allen can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Allen, TX are listed here.
| 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 |
Buy Cheap Allen, TX Auto Insurance for Seniors
You can save on senior auto insurance rates in Allen, Texas by comparing Allen senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Allen, TX here.
| 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 |
Find Cheap Auto Insurance Rates in Allen, TX by Coverage Level
The amount of coverage you choose is a big factor in the cost of Allen, Texas auto insurance. Compare Allen, TX auto insurance rates by coverage level.
| 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 |
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Find Cheap Allen, TX Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Allen. Compare auto insurance rates in Allen, TX by commute length to see how your daily commute impacts your rates.
| 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 |
Find Cheap Allen, TX Auto Insurance Rates by ZIP Code
Auto insurance rates in Allen, Texas can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Allen, TX to see how much where you live in Allen affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 75002 | $5,576 |
| 75013 | $5,821 |
Find Cheap Allen, TX Auto Insurance Rates by Driving Record
Auto insurance rates in Allen, Texas are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Allen, TX, take a look at the average cost for various violations versus rates for a clean driving record in Allen.
| 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 |
Find Cheap Allen, TX Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Allen, Texas is higher than for a clean driving record. You can buy auto insurance after a DUI in Allen for less when you shop around and compare rates from multiple Allen, TX auto insurance companies.
| Insurance Company | Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in Allen, TX
Compare rates from the cheapest auto insurance companies in Allen, TX for your needs. Take a look at how Allen, Texas auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | USAA |
| With 1 Speeding Violation | USAA |
Find Cheap Allen, Texas Auto Insurance Companies
If you’re looking for the cheapest Allen, TX auto insurance companies overall, you can compare them here. Find the best price for Allen, Texas car insurance by company.
| 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 |
What affects Allen, Texas auto insurance rates?
Local factors affect auto insurance rates in Allen, TX, including traffic, theft statistics, and commute length. Take a look at the things that impact Allen auto insurance rates.
Auto Theft in Allen
When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Allen, TX auto theft show a total of 67 vehicle thefts annually.
Commute Times in Allen
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Allen, TX is 28.6 minutes according to City-Data.
Traffic in Allen
How is traffic in Allen, Texas? Inrix data shows that Allen, TX traffic makes it the 730th-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in Allen, TX
You can buy cheap Allen, TX auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Allen, Texas auto insurance quotes from top companies.
Frequently Asked Questions
How can I find cheap auto insurance in Allen, TX?
To find cheap auto insurance in Allen, TX, you can follow these steps:
- Shop around and compare quotes from multiple insurance providers.
- Maintain a good driving record, as insurance companies often offer lower rates to safe drivers.
- Consider raising your deductible, which can lower your premium.
- Opt for a vehicle with lower insurance costs and safety features.
- Inquire about available discounts, such as multi-policy or safe driver discounts.
- Ask your insurance agent about any specific discounts or programs that may be available in Allen, TX.
What factors affect the cost of auto insurance in Allen, TX?
Several factors can influence the cost of auto insurance in Allen, TX. These factors include:
- Your driving history and record
- Your age, gender, and marital status
- The type of vehicle you drive
- The coverage options and deductibles you choose
- Your credit score
- The location where you live in Allen, TX
- The miles you drive annually
- Any additional drivers on your policy
- Your claims history and insurance score
Are there any specific auto insurance requirements in Allen, TX?
Yes, Allen, TX follows the state of Texas auto insurance requirements. The minimum coverage required includes:
- $30,000 bodily injury liability coverage per person
- $60,000 bodily injury liability coverage per accident
- $25,000 property damage liability coverage per accident It’s important to note that these are the minimum requirements, and you may choose to purchase additional coverage for more protection.
Are there any discounts available for auto insurance in Allen, TX?
Yes, insurance companies often offer various discounts that can help reduce the cost of auto insurance in Allen, TX. Some common discounts include:
- Multi-policy discount for bundling auto and home insurance with the same provider
- Safe driver discount for maintaining a clean driving record
- Good student discount for students with excellent academic performance
- Low mileage discount for driving fewer miles annually
- Vehicle safety feature discount for having anti-theft devices or safety features in your car
- Pay-in-full discount for paying your premium upfront
How can I get a quote for auto insurance in Allen, TX?
There are multiple ways to obtain a quote for auto insurance in Allen, TX:
- Contact insurance companies directly by phone or visit their websites to request a quote online.
- Work with an independent insurance agent who can provide quotes from multiple insurance companies.
- Utilize online insurance comparison tools to compare quotes from different insurers in Allen, TX.
What should I consider when choosing an auto insurance provider in Allen, TX?
When choosing an auto insurance provider in Allen, TX, consider the following factors:
- Reputation and financial stability of the insurance company
- Coverage options and limits provided
- Customer service and claims handling process
- Discounts and additional benefits offered
- Price competitiveness compared to other insurers
- Availability of convenient payment options and online account management
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Zach Fagiano
Licensed Insurance Broker
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Licensed Insurance Broker
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.