Lowest Premium
$387 / YEAR
Average Premium
$554 / YEAR
Highest Premium
$711 / YEAR
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.
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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0 miD. Zane Shepherd945 W Lucas Rd, Allen, TX 75002(972) 429-9999View |
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0 miFour Point Insurance Services2215 Tractor Trl, Allen, TX 75002(972) 965-1300View |
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0 miTexas First Rate Insurance2105 W Spring Creek Pkwy Ste 375c, Allen, TX 75002(972) 467-6500View |
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0 miJohn Williams717 S Greenville Ave Ste 112, Allen, TX 75002(469) 270-0462View |
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0 miTerrell's Insurance Agency809 Ridgemont Dr, Allen, TX 75002(972) 727-4990View |
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0 miDiane Robinson211 Mineral Springs Dr, Allen, TX 75002(214) 552-9141View |
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0 miShawn Peterson1201 E Main St Ste 250, Allen, TX 75002(972) 727-1193View |
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0 miJason Reed1201 E Main St Ste 108, Allen, TX 75002(972) 908-3448View |
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0 miMichael Callahan1201 E Main St Ste 250, Allen, TX 75002(214) 907-7477View |
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0 miLonnie Wiggins720 E Main St Ste D1, Allen, TX 75002(972) 727-9557View |
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0 miBruce Bond313 S Jupiter Rd Ste 100, Allen, TX 75002(972) 727-4935View |
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0 miSteve Calow313 S Jupiter Rd Ste 100, Allen, TX 75002(214) 547-8790View |
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0 miMichael D. Durand600 E Main St Ste F, Allen, TX 75002(972) 747-7643View |
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0 miHempkins Insurance304 E Mcdermott Dr, Allen, TX 75002(972) 396-9797View |
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0 miTexas Farm Bureau Insurance305 E Mcdermott Dr Ste D, Allen, TX 75002(972) 359-6177View |
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0 miMatt Wills1504 N Greenville Ave Ste 130, Allen, TX 75002(972) 912-3000View |
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0 miSunni Josey1504 N Greenville Ave Ste 110, Allen, TX 75002(972) 678-4544View |
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0 miMark Claxton1504 N Greenville Ave Ste 110, Allen, TX 75002(972) 727-7733View |
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0 miTWFG Insurance Services - Daniel Farr1506 N Greenville Ave Ste 250, Allen, TX 75002(214) 432-4560View |
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0 miRobert E. Boone1506 N Greenville Ave Ste 210, Allen, TX 75002(972) 678-2080View |
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0 miSage Insurance Agency408 Spring Leaf Ct, Allen, TX 75002(214) 597-3070View |
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0 miBetty Cole1546 Stacy Rd Ste 160, Allen, TX 75002(972) 783-1500View |
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0 miAAA Insurance190 E Stacy Rd Ste 212, Allen, TX 75002(972) 912-3015View |
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0 miJason Voelz190 E Stacy Rd Ste 1308, Allen, TX 75002(214) 909-7278View |
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5.3 miSebastian Reis820 S Alma Dr Ste 120, Allen, TX 75013(469) 606-0597View |
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5.3 miChristian Wallace905 Market St Ste 280, Allen, TX 75013(214) 306-8733View |
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5.3 miGleason Insurance825 Watters Creek Blvd Bldg M Ste 250, Allen, TX 75013(972) 618-4800View |
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5.3 miThe Weber Agency825 Market St Ste 250 Bldg M, Allen, TX 75013(469) 500-0771View |
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5.3 miTom Moore Insurance825 Watters Creek Blvd Ste 250 Bldg M, Allen, TX 75013(214) 495-0006View |
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5.3 miFrances Chappell604 W Bethany Dr Ste 208, Allen, TX 75013(214) 383-9604View |
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5.3 miJason Woods101 W Mcdermott Dr Ste 106, Allen, TX 75013(972) 678-0296View |
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5.3 miGoosehead Insurance - Geoff Comstock203 S Allen Dr, Allen, TX 75013(972) 727-9112View |
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5.3 miSouthern States Insurance Agency200 W Boyd Dr Ste A, Allen, TX 75013(972) 727-5766View |
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5.3 miJerome Moore202 N Allen Dr Ste B, Allen, TX 75013(469) 656-3233View |
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5.3 miBraly Insurance Group547 W Mcdermott Dr, Allen, TX 75013(972) 359-9324View |
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5.3 miLarry Wainwright301 N Allen Dr Ste B, Allen, TX 75013(972) 727-5145View |
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5.3 miJenny Weidner606 W Mcdermott Dr, Allen, TX 75013(972) 727-3969View |
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5.3 miTWFG - Steve Grzywacz Insurance Services515 W Main St Ste 114, Allen, TX 75013(214) 389-1757View |
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5.3 miDavis & Associates604 Central Expy N Ste A, Allen, TX 75013(469) 795-9040View |
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5.3 miBrad Williamson977 Hwy 121 Ste 130, Allen, TX 75013(972) 633-0729View |
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5.3 miDean Hansen780 N Watters Rd Ste 140, Allen, TX 75013(972) 727-9705View |
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5.3 miChadd Kawata915 W Exchange Pkwy Ste 250, Allen, TX 75013(214) 383-6898View |
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5.3 miLisa Johnson203 S Alma Dr Ste 100, Allen, TX 75013(972) 678-3276View |
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5.3 miOldham & Associates1333 W Mcdermott Dr Ste 150, Allen, TX 75013(469) 519-1032View |
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5.3 miWest Legacy Insurance Partners1333 West Mcdermott Dr, Allen, TX 75013(469) 388-4752View |
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5.3 miJohn Pavle1333 W Mcdermott Dr Ste 185, Allen, TX 75013(214) 612-0774View |
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5.3 miMickey Christakos1505 W Mcdermott Dr Ste 125, Allen, TX 75013(972) 727-1101View |
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5.3 miTexas Independent Insurance Group1420 W Exchange Pkwy Ste 130, Allen, TX 75013(972) 612-2393View |
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5.3 miMark Jett2035 W Mcdermott Dr Ste 440, Allen, TX 75013(469) 277-6007View |
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5.3 miLinda Fagan Insurance2033 W Mcdermott Dr, Allen, TX 75013(214) 336-7893View |
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.