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What is the average cost of car insurance in Allen?


The average car insurance rate in Allen is $1,396 per year. That's cheaper than the average rate in Texas ($1,415) and less expensive than the nationwide average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status and other factors in Allen.


ALLEN AUTO INSURANCE RATES
Allen Average (annual) Texas Average National Average
$1,396 $1,415 $1,548


Table of contents:


Allen car insurance rates by provider


The company-by-company differences in car insurance rates can be quite large, so it's important to be thorough when comparing quotes and choosing your insurer. In Allen, USAA offers the cheapest premiums for the typical insurance buyer. We've listed the best cheap car insurance companies in Allen below. Use this information as a starting point and make sure to seek out quotes specific to your unique driving profile.


ALLEN AUTO INSURANCE PREMIUMS BY COMPANY
Insurance Company Average Rate (annual)
USAA $1,179
GEICO $1,249
State Farm $1,333
Allstate $2,191


Read our guide to finding the best cheap auto insurance.



Allen auto insurance rates by age

The best age for car insurance rates as a driver in Allen is your 50s: drivers in this age group pay an average of $1,215 per year. Rates for Allen drivers in their 60s are also relatively affordable, at just $1,252 per year.

Teenage drivers pay Allen's most expensive car insurance rates. One of the most effective ways to lower your car insurance rates as a driver in Allen is to age out of your teens. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Allen is $1,642. That's the biggest gap in premiums between any pair of age brackets.


ALLEN CAR INSURANCE PREMIUMS BY DRIVER AGE
Age bracket Average Annual Rate
Teenagers $3,391
20s $1,749
30s $1,370
40s $1,334
50s $1,215
60s $1,252
70s $1,534


Learn more about the impact of age on auto insurance rates.



Allen car insurance rates by marital status and gender


In some cases, a driver's marital status and gender may affect the auto insurance rates they pay. Married drivers in Allen pay $85 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.

Gender is another factor that can affect auto insurance rates. In Allen, the gap in car insurance rates between genders is $4 per year, with male drivers paying more than female drivers.


ALLEN AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Annual Rate
Female $1,392
Male $1,396
Single $1,396
Married $1,311
Divorced $1,396
Widowed $1,277


Discover more about how gender and marital status have on insurance rates.



Allen auto insurance premiums by accident and violation history


No matter where you live, avoiding accidents and violations is the best way to keep your auto insurance rates at a minimum. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can increase what you pay for car insurance.

Allen drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $783 per year versus the city average. A ticket for speeding results in a $121 rate increase, on average, while a DUI violation costs $800per year in insurance premiums.


AVERAGE ALLEN INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/Incident Average Yearly Rate
DWI/DUI $2,196
Reckless Driving $2,179
At-fault Accident (damages less than $1,000) $1,775
At-fault Accident (damages greater than $2,000) $2,118
Speeding Ticket (16-20 mph over speed limit) $1,517


Learn more about the impact of driving violations on car insurance rates.



Allen auto insurance rates by credit level


It's no secret that credit score is closely correlated with auto insurance rates. In fact, Allen drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 56% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Allen, improving your credit to "Fair" could help you earn a $568 decrease in annual car insurance rates.


ALLEN CAR INSURANCE RATES BY CREDIT LEVEL
Credit Score Average Annual Rate
Very Poor $2,781
Fair $2,213
Good $1,814
Very Good $1,490
Exceptional $1,219


Get more information on how credit impacts car insurance costs.



Ross Martin photo
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.