Cheap Car Insurance in Allen, Texas ( With 2024 Rates)

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Lowest Premium

$387 / YEAR

Average Premium

$554 / YEAR

Highest Premium

$711 / YEAR

50/100/50 (minimum liability) ⓘ How the premiums are calculated

The average annual premium in Allen is around $554 and can go upto $711. This is for a 30 year old female buying 50/100/50 coverage which is considered as the minimum liability.

Texas Car Insurance Minimum Requirement by Law

As per the Department of Public Safety in the state requires a minimum of 30/60/25 as explained below:

$30,000 coverage for all types of bodily injury suffered by one individual in one accident
Bodily injury suffered by two or more people is $60,000. The amount is the same for deaths of two or more people caused by one accident
Damage to property or injury to others in one accident is $25,000.

Best Car Insurance Companies in Texas and Rates Offered

The cheapest car insurance rates in the state is provided by Geico Insurance followed by Farmers Insurance. But the major players are State Farm, Progressive and Farmers insurance in order.

Company	Annual premium (50/100/50)	Market share	Complaints
Geico	$350	6.00% ($1,151,485,019)	1
Farmers	$385	7.98% ($1,530,613,603)	2
State Farm	$390	16.03% ($3,074,590,659)	119
Allstate	$495	7.38% ($1,416,050,038)	4
Liberty Mutual	$550	4.36% ($836,938,040)	64
Progressive	$660	8.75% ($1,678,264,745)	0

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Car Insurance Rates in Allen by ZIP codes

The table below lists the average insurance rates for 50/100/50 (minimum liability) accross the zip codes in Allen. We have omitted the zip codes that has same insurance rates. If your zip code is not listed in the table, please refer to the zip code near to you since the insurance rates will be same as of the neighbouring zip code.

Zip	Avg. Premium
75002	$547
75013	$561

Insurance Agents in Allen, TX and Near by

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D. Zane Shepherd

945 W Lucas Rd, Allen, TX 75002

(972) 429-9999

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Four Point Insurance Services

2215 Tractor Trl, Allen, TX 75002

(972) 965-1300

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Texas First Rate Insurance

2105 W Spring Creek Pkwy Ste 375c, Allen, TX 75002

(972) 467-6500

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John Williams

717 S Greenville Ave Ste 112, Allen, TX 75002

(469) 270-0462

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Terrell's Insurance Agency

809 Ridgemont Dr, Allen, TX 75002

(972) 727-4990

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Diane Robinson

211 Mineral Springs Dr, Allen, TX 75002

(214) 552-9141

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Shawn Peterson

1201 E Main St Ste 250, Allen, TX 75002

(972) 727-1193

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Jason Reed

1201 E Main St Ste 108, Allen, TX 75002

(972) 908-3448

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Michael Callahan

1201 E Main St Ste 250, Allen, TX 75002

(214) 907-7477

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Lonnie Wiggins

720 E Main St Ste D1, Allen, TX 75002

(972) 727-9557

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Bruce Bond

313 S Jupiter Rd Ste 100, Allen, TX 75002

(972) 727-4935

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Steve Calow

313 S Jupiter Rd Ste 100, Allen, TX 75002

(214) 547-8790

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Michael D. Durand

600 E Main St Ste F, Allen, TX 75002

(972) 747-7643

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Hempkins Insurance

304 E Mcdermott Dr, Allen, TX 75002

(972) 396-9797

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Texas Farm Bureau Insurance

305 E Mcdermott Dr Ste D, Allen, TX 75002

(972) 359-6177

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Matt Wills

1504 N Greenville Ave Ste 130, Allen, TX 75002

(972) 912-3000

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Sunni Josey

1504 N Greenville Ave Ste 110, Allen, TX 75002

(972) 678-4544

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Mark Claxton

1504 N Greenville Ave Ste 110, Allen, TX 75002

(972) 727-7733

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TWFG Insurance Services - Daniel Farr

1506 N Greenville Ave Ste 250, Allen, TX 75002

(214) 432-4560

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Robert E. Boone

1506 N Greenville Ave Ste 210, Allen, TX 75002

(972) 678-2080

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Sage Insurance Agency

408 Spring Leaf Ct, Allen, TX 75002

(214) 597-3070

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Betty Cole

1546 Stacy Rd Ste 160, Allen, TX 75002

(972) 783-1500

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AAA Insurance

190 E Stacy Rd Ste 212, Allen, TX 75002

(972) 912-3015

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Jason Voelz

190 E Stacy Rd Ste 1308, Allen, TX 75002

(214) 909-7278

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5.3 mi

Sebastian Reis

820 S Alma Dr Ste 120, Allen, TX 75013

(469) 606-0597

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5.3 mi

Christian Wallace

905 Market St Ste 280, Allen, TX 75013

(214) 306-8733

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5.3 mi

Gleason Insurance

825 Watters Creek Blvd Bldg M Ste 250, Allen, TX 75013

(972) 618-4800

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5.3 mi

The Weber Agency

825 Market St Ste 250 Bldg M, Allen, TX 75013

(469) 500-0771

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5.3 mi

Tom Moore Insurance

825 Watters Creek Blvd Ste 250 Bldg M, Allen, TX 75013

(214) 495-0006

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5.3 mi

Frances Chappell

604 W Bethany Dr Ste 208, Allen, TX 75013

(214) 383-9604

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5.3 mi

Jason Woods

101 W Mcdermott Dr Ste 106, Allen, TX 75013

(972) 678-0296

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5.3 mi

Goosehead Insurance - Geoff Comstock

203 S Allen Dr, Allen, TX 75013

(972) 727-9112

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5.3 mi

Southern States Insurance Agency

200 W Boyd Dr Ste A, Allen, TX 75013

(972) 727-5766

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5.3 mi

Jerome Moore

202 N Allen Dr Ste B, Allen, TX 75013

(469) 656-3233

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5.3 mi

Braly Insurance Group

547 W Mcdermott Dr, Allen, TX 75013

(972) 359-9324

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5.3 mi

Larry Wainwright

301 N Allen Dr Ste B, Allen, TX 75013

(972) 727-5145

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5.3 mi

Jenny Weidner

606 W Mcdermott Dr, Allen, TX 75013

(972) 727-3969

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5.3 mi

TWFG - Steve Grzywacz Insurance Services

515 W Main St Ste 114, Allen, TX 75013

(214) 389-1757

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5.3 mi

Davis & Associates

604 Central Expy N Ste A, Allen, TX 75013

(469) 795-9040

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5.3 mi

Brad Williamson

977 Hwy 121 Ste 130, Allen, TX 75013

(972) 633-0729

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5.3 mi

Dean Hansen

780 N Watters Rd Ste 140, Allen, TX 75013

(972) 727-9705

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5.3 mi

Chadd Kawata

915 W Exchange Pkwy Ste 250, Allen, TX 75013

(214) 383-6898

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5.3 mi

Lisa Johnson

203 S Alma Dr Ste 100, Allen, TX 75013

(972) 678-3276

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5.3 mi

Oldham & Associates

1333 W Mcdermott Dr Ste 150, Allen, TX 75013

(469) 519-1032

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5.3 mi

West Legacy Insurance Partners

1333 West Mcdermott Dr, Allen, TX 75013

(469) 388-4752

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5.3 mi

John Pavle

1333 W Mcdermott Dr Ste 185, Allen, TX 75013

(214) 612-0774

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5.3 mi

Mickey Christakos

1505 W Mcdermott Dr Ste 125, Allen, TX 75013

(972) 727-1101

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5.3 mi

Texas Independent Insurance Group

1420 W Exchange Pkwy Ste 130, Allen, TX 75013

(972) 612-2393

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5.3 mi

Mark Jett

2035 W Mcdermott Dr Ste 440, Allen, TX 75013

(469) 277-6007

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5.3 mi

Linda Fagan Insurance

2033 W Mcdermott Dr, Allen, TX 75013

(214) 336-7893

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View all agents ↓

Learn More About Car Insurance in Allen, TX

Helpful Info on Texas Car Insurance

Here is a list of useful information regarding Texas car insurance and driving in Texas roads.

Total vehicles registered	24,527,939
Total uninsured motorists	14.1%
Estimated economic loss of all vehicle crashes	$38.4 billion

Sources: uninsured motorists, 2015, crash report, 2018

Different car insurance coverage options available in Texas

There are different coverages to protect your family and your car in the event of an accident. It is always better to have enough coverage to not incur any loss in such scenarios. Below is a list of coverages available in Texas state.

Liability covers for the payment to other car driver and car met by accident caused by you. Texas law requires you to have at least 30/60/25 coverage. This will cover for injuries $30,000 per person and $60,000 per accident. It also covers for property damage up to $25,000. It is better to have enough coverage than just having the minimum required 30/60/25 coverage to make sure all the losses are covered with your insurance.
Collision covers for the expenses on your car caused by accident.
Comprehensive covers your car cost if your car is stolen or damaged by fire, flood, vandalism.
Medical payments cover your's and your passenger's medical bills
Personal injury protection (PIP) coverage is similar to medical payments coverage but also covers for the loss of pay and other non-medical expenses caused by accident.
Uninsured/underinsured motorist covers for the damage to you and your car caused by an uninsured or underinsured motorist. This is required in Texas, but you can opt-out from this coverage.
Towing and labor covers for the pay for towing your car and labor cost.
Rental reimbursement covers the payment for rental car service used when your car which had an accident is being repaired.

Methodology

The insurance rates mentioned in this article is based on the average amount for a 30 year old female purchasing 50/100/50 ($50,000 for injury liability for one person, $100,000 for all injuries and $50,000 for property damage in an accident) liability car insurance coverage. The premium rate can be higher or lower than the rates specified depending on the type of coverage one may choose, deductibles applied and the discounts offered by insurance company.

Cheap Car Insurance in Allen, Texas (With 2024 Rates)