Allen, TX Car Insurance

What should residents of Allen expect to pay for their car insurance? How does Allen compare to the surrounding area and the rest of Texas? Find the average cost breakdowns and determining factors in the charts and writeups below:

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How much is car insurance in Allen?

As you can see in the chart above, car insurance rates in Allen are slightly more expensive than the rest of Texas.

When viewed against the average rates for the rest of the U.S., auto insurance coverage in Allen is rather affordable. Auto insurance coverage in Allen is about $13 cheaper than it is for the rest of the United States.

These may be the average auto insurance rates for Allen, but that doesn't mean it's exactly what you'll pay. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Your monthly premium is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've done the heavy lifting for you and broken down the average rate for Allen so that you can get a more accurate idea of what your policy will cost you. To find out if you're overpaying for your area, just enter your ZIP Code below and find out in minutes!

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Allen Car Insurance Rates by Age

The longer you've been behind the wheel, the more experienced of a driver you are. That experience can really work in your favor when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every ten years older you get, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may begin to go back up in Allen.

Allen Car Insurance Rates by Gender

Female drivers pay, on average, slightly less than their male counterparts. The difference in average rates in Allen totals about $9 per month. As illustrated in the table above, male drivers in the area pay about $71 on average, while female drivers pay around $62 each month.

Allen Auto Insurance Rates by Driving Record

Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay much less than those with accidents or violations. Drivers in Allen with a single accident on their record will usually see rates around $82 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $85.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.

Allen Insurance Rates by Vehicle

According to the first table above, SUVs are by and large the cheapest vehicles to insure in Allen, with drivers paying around $63 per month for insurance.

Car owners can expect to pay an average of around $69 a month for their policy, while truck and van drivers are usually around $66 to insure each month.

You may also see different rates based on how old your vehicle is. Generally, newer vehicles are going to be the most expensive to insure. Once your car is close to 5 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.

Allen Car Insurance Rates by Relationship Status

More often than not, married policyholders will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.

At a national level, single drivers usually pay more than married couples do for auto insurance. Allen follows that pattern, with the difference totaling to around $20 a month.

Allen Car Insurance Rates by Housing Situation

Your living accommodations is another factor that affects your monthly rate. Drivers who own property in Allen can expect to pay around $9 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Allen, TX

Recent trends in car insurance for Allen drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before deciding on where to shop.

The rates for car insurance in Allen had been decreasing from 2017-2019, when they hit a low of $58. This changed in 2020, when policy premiums started to rise. They reached a high of $73 in 2021, and finished down in 2022, at $68 a month.

How does Allen compare to neighboring areas?

Why are car insurance rates in Allen different from other areas?

There are several factors car insurance companies will consider when figuring out how much to charge for a monthly rate. The price of your insurance policy will depend largely on your home address and will be influenced by things such as:

• Off-street parking availability
• General road safety (how many accidents each locality has)
• Area crime rates
• Area regulations
• Number of drivers

It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Allen?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But hold on! Compare.com can handle all of this for you. Just put in your ZIP below, answer a few questions on you and your vehicle, and you'll be quickly comparing the cheapest quotes from a bulk of the car insurance companies offering auto coverage in Allen.

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Allen Auto Insurance FAQs

What factors affect car insurance quotes in Allen?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your address, credit score, driving record and marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Allen different from other neighboring cities?

Local laws, crime rates, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Allen?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

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?