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Allen Car Insurance
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The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.
The car insurance rate in Allen is $1278 for a six-month policy, which is $256 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $543, making it a popular choice for budget-conscious drivers. Rates in Allen can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $543 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.
Cincinnati offers auto insurance rates at $594 for a six-month policy, making it one of the cheapest to insure with.
Kentucky Farm Bureau offers auto insurance rates at $780 for six months, making it the third cheapest auto insurance company in Allen.
Based on our research, the cheapest car insurance company in Allen, KY is AutoOwners Insurance Co, offering policies at just $543 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $594.
At the higher end of the spectrum, Grange is the most expensive, with rates reaching $1485 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Allen drivers find the best deals.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $543 | $93 |
| Cincinnati | $594 | $99 |
| Kentucky Farm Bureau | $780 | $131 |
| Travelers | $1018 | $171 |
| Farm Bureau | $1048 | $178 |
| Shelter | $1144 | $193 |
| Auto-Owners | $1225 | $209 |
| Nationwide | $1233 | $208 |
| USAA | $1248 | $210 |
| State Farm | $1389 | $234 |
| Electric | $1440 | $245 |
| Progressive | $1604 | $270 |
| Allstate | $3149 | $530 |
| Grange | $1485 | $248 |
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Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Allen are given below.
Cincinnati provides the cheapest minimum car insurance coverage in Allen. Their Average 6 Month Premium is $186. Allstate is the most expensive at $1300 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $186 | $31 |
| Auto-Owners Insurance Co | $253 | $43 |
| Kentucky Farm Bureau | $283 | $48 |
| Electric | $305 | $51 |
| Nationwide | $356 | $60 |
| USAA | $371 | $63 |
| Farm Bureau | $386 | $65 |
| Travelers | $401 | $68 |
| Westfield | $416 | $69 |
| State Farm | $431 | $73 |
| Progressive | $475 | $80 |
| Shelter | $505 | $85 |
| Auto-Owners | $558 | $93 |
| Allstate | $1300 | $219 |
One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Allen is AutoOwners Insurance Co at $93 per month and $543 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $543 | $93 |
| Cincinnati | $594 | $99 |
| Kentucky Farm Bureau | $780 | $131 |
| Travelers | $1018 | $171 |
| Farm Bureau | $1048 | $178 |
| Shelter | $1144 | $193 |
| Auto-Owners | $1225 | $209 |
| Nationwide | $1233 | $208 |
| USAA | $1248 | $210 |
| State Farm | $1389 | $234 |
| Electric | $1440 | $245 |
| Progressive | $1604 | $270 |
| Allstate | $3149 | $530 |
| Grange | $1485 | $248 |
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The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.
Despite maintaining a clean driving record, your car insurance rates in Allen, Kentucky, may be increasing due to several external factors. Kentucky has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.
Additionally, Allen's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.
It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.
| Age Group | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | USAA | $1236 |
| 30s | Auto-Owners | $938 |
| 40s | Auto-Owners | $916 |
| 50s | Auto-Owners | $875 |
| 60s | USAA | $910 |
| 70s | State Farm | $1014 |
If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Allen at $40 per month. At $10350 for a six-month premium, Allstate offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $238 | $40 |
| Auto-Owners Insurance Co | $356 | $60 |
| Kentucky Farm Bureau | $1188 | $200 |
| Travelers | $1604 | $270 |
| Farm Bureau | $1634 | $275 |
| USAA | $1879 | $316 |
| Shelter | $2354 | $396 |
| State Farm | $2665 | $449 |
| Auto-Owners | $3713 | $619 |
| Progressive | $4975 | $838 |
| Allstate | $10350 | $1743 |
Teen Car Insurance Rates in KY by Age
Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
For those with poor credit scores in Allen, Cincinnati is the cheapest car insurance provider. At $319 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Allen is Allstate, offering rates of around $6743 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $319 | $54 |
| Nationwide | $475 | $81 |
| Travelers | $1336 | $225 |
| Progressive | $1530 | $258 |
| USAA | $2458 | $410 |
| Farm Bureau | $3200 | $544 |
| Auto-Owners | $3549 | $591 |
| Shelter | $3639 | $619 |
| State Farm | $4834 | $805 |
| Allstate | $6743 | $1146 |
Save up to $971/yr on car insurance rates in Allen.
Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Allen, KY, accidents can lead to significant hikes in your premiums.
The cheapest car insurance companies after an at-fault accident in Allen include AutoOwners Insurance Co and Electric, offering $379 and $379, respectively. Allstate is an expensive provider with an average six-month premium of $5458.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $379 | $63 |
| Electric | $379 | $65 |
| Cincinnati | $401 | $66 |
| Kentucky Farm Bureau | $550 | $93 |
| Farm Bureau | $780 | $131 |
| Travelers | $958 | $161 |
| State Farm | $995 | $168 |
| Shelter | $1099 | $185 |
| USAA | $1144 | $193 |
| Auto-Owners | $1685 | $286 |
| Progressive | $1886 | $318 |
| Allstate | $5458 | $919 |
Here is a list of driving violations that can increase your car insurance rates in Allen KY. For example, the car insurance in Allen after a DUI increases to $1553 for a six month policy. While the rate increases by $394 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1811 | $303 |
| One Med/PIP claim | $1826 | $310 |
| Two Med/PIP claims | $1901 | $316 |
| Not-at-fault accident | $1953 | $333 |
| One comp claim | $1983 | $330 |
| Failure to wear a seat belt | $2005 | $341 |
| Failure to show documents | $2071 | $345 |
| Two comp claims | $2071 | $353 |
| Driving without lights | $2079 | $346 |
| Child safety restraint | $2101 | $358 |
| Cell phone violation | $2183 | $364 |
| Driving with expired registration | $2190 | $373 |
| Texting while driving | $2190 | $365 |
| Driving too slowly | $2205 | $375 |
| Failure to stop at a red light | $2205 | $368 |
| Failure to yield | $2205 | $375 |
| Speeding 6 - 10 MPH over limit | $2205 | $368 |
| Speeding in school zone | $2205 | $375 |
| Following too closely | $2213 | $369 |
| Illegal turn | $2213 | $376 |
| Speeding 11 - 15 MPH over limit | $2213 | $369 |
| Wrong way/wrong lane | $2213 | $376 |
| Improper passing | $2220 | $370 |
| Speeding 16 - 20 MPH over limit | $2220 | $378 |
| Speeding 21 - 25 MPH over limit | $2265 | $378 |
| In 65 MPH zone | $2280 | $388 |
| Passing school bus | $2316 | $386 |
| Open container | $2376 | $404 |
| At-fault accident - less than $1000 | $2420 | $404 |
| Operating a vehicle without permission | $2599 | $443 |
| At-fault accident - $1000-$2000 | $2629 | $438 |
| At-fault accident - greater than $2000 | $2629 | $448 |
| Reckless driving | $3304 | $551 |
| Refusal to submit to a chemical test | $3349 | $570 |
| DUI | $3364 | $560 |
| Driving with a suspended license | $3371 | $574 |
| Racing | $3386 | $564 |
| Leaving scene of an accident/hit and run | $3423 | $583 |
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A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.
There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Allen.
The cheapest car insurance premiums in Allen are offered by Cincinnati at $498 for a six-month policy. However, it can be as expensive as $2829 with companies like AutoOwners.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $498 | $83 |
| Kentucky Farm Bureau | $661 | $113 |
| Travelers | $891 | $150 |
| Progressive | $1084 | $183 |
| Shelter | $1091 | $184 |
| State Farm | $1121 | $189 |
| USAA | $1263 | $213 |
| Allstate | $2406 | $405 |
| Farm Bureau | $2443 | $408 |
| Auto-Owners | $2829 | $481 |
One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Allen are offered by Cincinnati at $223. However, it can be as expensive as $3705 with companies like Allstate for a similar six-month premium.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Cincinnati | $223 | $38 |
| Kentucky Farm Bureau | $268 | $45 |
| Auto-Owners Insurance Co | $305 | $51 |
| State Farm | $839 | $141 |
| Travelers | $906 | $153 |
| Shelter | $973 | $164 |
| Farm Bureau | $1048 | $178 |
| Progressive | $1218 | $205 |
| Auto-Owners | $1248 | $213 |
| USAA | $1500 | $250 |
| Allstate | $3705 | $630 |
Car insurance rates in Allen have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Allen rose by $278 in December compared to $275 of November. In other words, there has been an increase by $3 when you compare December and November.
The average cost of liability insurance in the Allen rose to $78 in December, compared to $75 in November. This represents an increase of $3 when comparing December and November.
How much is car insurance in Allen?
The car insurance in Allen is $31 per month, which is lower than the national average.
What is the cheapest car insurance in Allen?
The cheapest car insurance in Allen is $93 per month for full coverage.
How much is car insurance in Allen for teenagers?
Car insurance for teenagers costs $238 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in Allen?
The average cost of car insurance is $1022 for a six-month policy. It will cost around $215 per month to insure your car in Allen.
Is car insurance expensive in Allen?
Car insurance can be expensive in Allen if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Allen can be affordable.
What is the best car insurance in Allen, KY?
The best car insurance company in Allen KY is AutoOwners Insurance Co, offering $543 for a six-month policy.
Cut auto insurance costs in Allen right now.