Best car insurance in Allen

 In Allen, Texas, the average cost of auto insurance is $575 per year for a minimum coverage policy and $1,783 per year for a full coverage policy. This is slightly higher than the national average of $1,674 per year for full coverage, indicating that drivers in the area may want both the best policy and the lowest rates available.

Allen, Texas is in Collin County, which had over 10,000 accidents in 2020. Drivers may want not only the cheapest Allen car insurance rates, but also a provider who is easy to work with in the event of a claim. Another critical factor is financial strength. We examined all of these factors for the largest carriers in Texas to assist you in finding the best car insurance in Allen, TX for your needs.

Allen's top auto insurance companies

 

To find the best car insurance companies in Allen, we looked at not only average premiums but also J.D. Power customer service ratings and AM Best financial strength ratings. Other factors considered included digital offerings such as mobile apps, as well as coverage and discount options.

USAA

USAA provides a comprehensive set of coverage options and discounts, some of which are tailored to the specific needs of military service members, veterans, and their immediate families. This includes discounts for storing a vehicle on a military base and garaging a vehicle on a military base if the driver is deployed. Not only does USAA have some of the lowest rates available, but it also has the highest J.D. Power rating in the Texas region, with 879 out of 1,000 points. However, due to membership restrictions, USAA is ineligible for official ranking with J.D. Power.

Geico

Geico is over 75 years old and has grown to become one of the largest auto insurance providers in the United States. While some may find the coverage options to be somewhat limited, the discounts available may compensate. Discounts range from savings if you have anti-lock brakes and airbags, to multi-policy and new vehicle discounts, to savings for federal employees and military members.

Nationwide

Nationwide provides the standard coverages you'd expect from a carrier, but its specialised programmes set it apart from the competition. Nationwide offers the popular accident forgiveness option, which waives your policy's first at-fault accident surcharge. There's also the vanishing deductible programme, which allows drivers to save $100 on their deductibles each year by not filing a comprehensive or collision claim.

State Farm

State Farm has been in business for nearly 100 years and is the largest provider of auto insurance in the country. While it does not receive the highest score from J.D. Power, State Farm does receive the highest possible rating for financial strength from AM Best: A++ (Superior). Drivers may also appreciate the variety of coverage options, such as rideshare insurance and rental car reimbursement.