Kristy earns a basic salary of $7.50 x 160 = $<<7.5*160=1200>>1200.
Her total commission is $25000 x 16/100 = $<<25000*16/100=4000>>4000.
Thus, her total earning is $1200 + $4000 = $<<1200+4000=5200>>5200.
Her monthly budget aside from the insurance is $5200 x 95/100 = $<<5200*95/100=4940>>4940.
Therefore, she allocated $5200 - $4940 = $<<5200-4940=260>>260 on insurance.
#### 260