Cheap Car Insurance in Allen, Texas (With 2021 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.
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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.

CompanyAnnual premium (50/100/50)Market shareComplaints
Geico$3506.00% ($1,151,485,019)1
Farmers$3857.98% ($1,530,613,603)2
State Farm$39016.03% ($3,074,590,659)119
Allstate$4957.38% ($1,416,050,038)4
Liberty Mutual$5504.36% ($836,938,040)64
Progressive$6608.75% ($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.

ZipAvg. Premium
75002$547
75013$561

Insurance Agents in Allen, TX and Near by

  • 0 mi
    D. Zane Shepherd
    945 W Lucas Rd, Allen, TX 75002
    (972) 429-9999
  • 0 mi
    Four Point Insurance Services
    2215 Tractor Trl, Allen, TX 75002
    (972) 965-1300
  • 0 mi
    Texas First Rate Insurance
    2105 W Spring Creek Pkwy Ste 375c, Allen, TX 75002
    (972) 467-6500
  • 0 mi
    John Williams
    717 S Greenville Ave Ste 112, Allen, TX 75002
    (469) 270-0462
  • 0 mi
    Terrell's Insurance Agency
    809 Ridgemont Dr, Allen, TX 75002
    (972) 727-4990
  • 0 mi
    Diane Robinson
    211 Mineral Springs Dr, Allen, TX 75002
    (214) 552-9141
  • 0 mi
    Shawn Peterson
    1201 E Main St Ste 250, Allen, TX 75002
    (972) 727-1193
  • 0 mi
    Jason Reed
    1201 E Main St Ste 108, Allen, TX 75002
    (972) 908-3448
  • 0 mi
    Michael Callahan
    1201 E Main St Ste 250, Allen, TX 75002
    (214) 907-7477
  • 0 mi
    Lonnie Wiggins
    720 E Main St Ste D1, Allen, TX 75002
    (972) 727-9557
  • 0 mi
    Bruce Bond
    313 S Jupiter Rd Ste 100, Allen, TX 75002
    (972) 727-4935
  • 0 mi
    Steve Calow
    313 S Jupiter Rd Ste 100, Allen, TX 75002
    (214) 547-8790
  • 0 mi
    Michael D. Durand
    600 E Main St Ste F, Allen, TX 75002
    (972) 747-7643
  • 0 mi
    Hempkins Insurance
    304 E Mcdermott Dr, Allen, TX 75002
    (972) 396-9797
  • 0 mi
    Texas Farm Bureau Insurance
    305 E Mcdermott Dr Ste D, Allen, TX 75002
    (972) 359-6177
  • 0 mi
    Matt Wills
    1504 N Greenville Ave Ste 130, Allen, TX 75002
    (972) 912-3000
  • 0 mi
    Sunni Josey
    1504 N Greenville Ave Ste 110, Allen, TX 75002
    (972) 678-4544
  • 0 mi
    Mark Claxton
    1504 N Greenville Ave Ste 110, Allen, TX 75002
    (972) 727-7733
  • 0 mi
    TWFG Insurance Services - Daniel Farr
    1506 N Greenville Ave Ste 250, Allen, TX 75002
    (214) 432-4560
  • 0 mi
    Robert E. Boone
    1506 N Greenville Ave Ste 210, Allen, TX 75002
    (972) 678-2080
  • 0 mi
    Sage Insurance Agency
    408 Spring Leaf Ct, Allen, TX 75002
    (214) 597-3070
  • 0 mi
    Betty Cole
    1546 Stacy Rd Ste 160, Allen, TX 75002
    (972) 783-1500
  • 0 mi
    AAA Insurance
    190 E Stacy Rd Ste 212, Allen, TX 75002
    (972) 912-3015
  • 0 mi
    Jason Voelz
    190 E Stacy Rd Ste 1308, Allen, TX 75002
    (214) 909-7278
  • 5.3 mi
    Sebastian Reis
    820 S Alma Dr Ste 120, Allen, TX 75013
    (469) 606-0597
  • 5.3 mi
    Christian Wallace
    905 Market St Ste 280, Allen, TX 75013
    (214) 306-8733
  • 5.3 mi
    Gleason Insurance
    825 Watters Creek Blvd Bldg M Ste 250, Allen, TX 75013
    (972) 618-4800
  • 5.3 mi
    The Weber Agency
    825 Market St Ste 250 Bldg M, Allen, TX 75013
    (469) 500-0771
  • 5.3 mi
    Tom Moore Insurance
    825 Watters Creek Blvd Ste 250 Bldg M, Allen, TX 75013
    (214) 495-0006
  • 5.3 mi
    Frances Chappell
    604 W Bethany Dr Ste 208, Allen, TX 75013
    (214) 383-9604
  • 5.3 mi
    Jason Woods
    101 W Mcdermott Dr Ste 106, Allen, TX 75013
    (972) 678-0296
  • 5.3 mi
    Goosehead Insurance - Geoff Comstock
    203 S Allen Dr, Allen, TX 75013
    (972) 727-9112
  • 5.3 mi
    Southern States Insurance Agency
    200 W Boyd Dr Ste A, Allen, TX 75013
    (972) 727-5766
  • 5.3 mi
    Jerome Moore
    202 N Allen Dr Ste B, Allen, TX 75013
    (469) 656-3233
  • 5.3 mi
    Braly Insurance Group
    547 W Mcdermott Dr, Allen, TX 75013
    (972) 359-9324
  • 5.3 mi
    Larry Wainwright
    301 N Allen Dr Ste B, Allen, TX 75013
    (972) 727-5145
  • 5.3 mi
    Jenny Weidner
    606 W Mcdermott Dr, Allen, TX 75013
    (972) 727-3969
  • 5.3 mi
    TWFG - Steve Grzywacz Insurance Services
    515 W Main St Ste 114, Allen, TX 75013
    (214) 389-1757
  • 5.3 mi
    Davis & Associates
    604 Central Expy N Ste A, Allen, TX 75013
    (469) 795-9040
  • 5.3 mi
    Brad Williamson
    977 Hwy 121 Ste 130, Allen, TX 75013
    (972) 633-0729
  • 5.3 mi
    Dean Hansen
    780 N Watters Rd Ste 140, Allen, TX 75013
    (972) 727-9705
  • 5.3 mi
    Chadd Kawata
    915 W Exchange Pkwy Ste 250, Allen, TX 75013
    (214) 383-6898
  • 5.3 mi
    Lisa Johnson
    203 S Alma Dr Ste 100, Allen, TX 75013
    (972) 678-3276
  • 5.3 mi
    Oldham & Associates
    1333 W Mcdermott Dr Ste 150, Allen, TX 75013
    (469) 519-1032
  • 5.3 mi
    West Legacy Insurance Partners
    1333 West Mcdermott Dr, Allen, TX 75013
    (469) 388-4752
  • 5.3 mi
    John Pavle
    1333 W Mcdermott Dr Ste 185, Allen, TX 75013
    (214) 612-0774
  • 5.3 mi
    Mickey Christakos
    1505 W Mcdermott Dr Ste 125, Allen, TX 75013
    (972) 727-1101
  • 5.3 mi
    Texas Independent Insurance Group
    1420 W Exchange Pkwy Ste 130, Allen, TX 75013
    (972) 612-2393
  • 5.3 mi
    Mark Jett
    2035 W Mcdermott Dr Ste 440, Allen, TX 75013
    (469) 277-6007
  • 5.3 mi
    Linda Fagan Insurance
    2033 W Mcdermott Dr, Allen, TX 75013
    (214) 336-7893
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 registered24,527,939
Total uninsured motorists14.1%
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.