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How much is car insurance in Allen?
|Area||Average Monthly Car Insurance Premium|
As you can tell by looking at the chart above, car insurance rates in Allen are about the same as the rest of Texas.
When stacked up against the national average, the average monthly policy payment for Allen is more affordable. The average monthly payment in Allen is about $14 cheaper than the rate for the rest of the United States.
Keep in mind that these are the average auto insurance rates for Allen, and that the rate you get could end up being something different. Insurance companies take an array of factors into consideration when determining how much to charge you for your car insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've analyzed the average rate for Allen and broken down the different factors to help you understand what your policy's monthly premium will be. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. That experience can turn into some real savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than drivers of retirement age.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement age your rates may start to rise again in Allen.
Average Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. In Allen, the difference comes out to about $10 per month. As you can see in the table above, male drivers in the area typically pay $71 on average, while female drivers typically pay $61 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. The rate for drivers in Allen with a single accident on their record is about $81 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $84.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to minimize your monthly rate, practice safe driving habits and keep your record clean.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$63|
In terms of affordable coverage, the cheapest vehicles to insure in Allen are by and large SUVs, at $63 per month.
Car owners can expect to pay an average of around $69 a month for their policy, while truck and van drivers are usually around $65 to insure each month.
You can also expect to see slightly different rates depending on your vehicle's age. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Allen, the most expensive vehicles to insure are vehicles six-to-seven years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Overall, married policyholders will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor some companies will reward with discounts.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Allen as well, where the difference is around $21 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$107|
Your housing status is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $8 a month more than drivers who own property in Allen. But if you live with your parents, your rates will be significantly higher.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Allen, TX
Recent trends in car insurance for Allen drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when selecting an auto insurance policy.
In Allen, the rates for auto insurance dropped from 2017-2019, when they hit a low of $58. This leveled out in 2020, when insurance rates started to rise. They reached a high of $73 in 2021, and finished at $61 in 2022.
How does Allen compare to neighboring areas?
Why are car insurance rates in Allen different from other areas?
When considering how much to charge for a monthly rate, car insurance companies will consider several factors. While we already talked about the ones that affect your personal policy, others are based around your home address. These include things like:
- Area regulations
- Total amount of drivers in the community
- Access to off-street parking
- Rate of crime
- Road safety
Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Allen?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Allen.
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Allen Insurance FAQs
What factors affect car insurance quotes in Allen?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Allen different from other neighboring cities?
Auto insurance companies consider regional factors, such as parking situations, crime rates, and local laws into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Allen?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Allen?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Allen or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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