AAA vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, United Financial Casualty Company offers significantly less expensive premiums than AAA
• AAA offers more discounts than United Financial Casualty Company
• United Financial Casualty Company offers more affordable average prices for policyholders who may not have much of a commute

AAA vs. United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might have narrowed it down to AAA or United Financial Casualty Company, but which carrier will offer you cheaper premiums?

As you can see, United Financial Casualty Company is quite a bit cheaper than AAA, with prices averaging $133 per month compared to $314 with AAA when looking at the national average rates for auto insurance.

Even so, United Financial Casualty Company may not be the cheapest or best option for each driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things), so rates could change drastically from person to person.

Wanting to know if AAA or United Financial Casualty Company is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

AAA or United Financial Casualty Company: Average Car Insurance Rates by State

AAA and United Financial Casualty Company only compete against each other in one states, with United Financial Casualty Company offering less expensive rates to the average driver in all of them. California has the most noticable difference, where United Financial Casualty Company prices are over 70% more affordable than car insurance rates at AAA.

There's a lot more that goes into your auto insurance cost than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group on the road. Generally, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of more than $350 less a month by choosing United Financial Casualty Company over AAA.

However, both carriers will offer you dramatically lower premiums by the time drivers turn 25. For example, average prices for AAA policyholders drop over $400 and United Financial Casualty Company's premiums reduce about $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest car insurance rates out there. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase prices.

But who has the best premiums for retired drivers between AAA and United Financial Casualty Company? United Financial Casualty Company gets the edge here, with average rates coming in at around $95 per month compared to AAA's $238.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance prices tend to be more expensive for single policyholders than they are for married couples. That's because policies for married drivers normally cover several cars, which many companies will offer you a discount for.

When it comes to relationship status, United Financial Casualty Company is the clear winner for those who are single, with premiums about $208 per month cheaper than AAA, on average. The advantage for married policyholders with United Financial Casualty Company is also obvious, where drivers save more than 60% a month.

AAA vs. United Financial Casualty Company: Average Rates by Gender

You may not know, but auto insurance is generally cheaper for women than it is for men. This is because men are statistically more likely than women to get speeding tickets and get into collisions, which leads to increased risk for insurers and, therefore, higher rates.

With AAA, men typically pay nearly $35 per month more than women, and around $2 with United Financial Casualty Company.

Looking at overall affordability, United Financial Casualty Company offers the most affordable average prices for both men and women, with average premiums 60% less for men and 56% cheaper for women.

AAA or United Financial Casualty Company: Compare State Minimum vs. Full Coverage Rates

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But most policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability limits, United Financial Casualty Company normally offers significantly less expensive rates of $79 compared to AAA's $169. When it comes to full coverage policies with similar limits, United Financial Casualty Company again has the edge, with policies about $250 a month more affordable than AAA, on average.

Is AAA or United Financial Casualty Company Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Collisions and tickets will most likely raise your rates, but is AAA or United Financial Casualty Company cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

AAA policyholders can expect their prices to go up an average of $86 per month if they get a ticket, while United Financial Casualty Company usually raises rates around $34 a month, on average.

That being said, United Financial Casualty Company tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering premiums that are 52% and 54% less expensive, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault accident with AAA increasing by just under $150. United Financial Casualty Company has a less extreme increase, but you can still expect to pay $55 more than you were prior to your first collision.

Overall, drivers who use United Financial Casualty Company end up with the cheaper prices after an accident, with monthly premiums averaging $158 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even an accident. On average, AAA will raise your prices about 47% after a DUI, while United Financial Casualty Company's average rates rise by just under 25%.

If you have a DUI on your record and are looking for more affordable premiums, United Financial Casualty Company tends to be the much more affordable option with average rates of $134 a month compared to $403 from AAA.

How does Credit Score Impact AAA and United Financial Casualty Company Rates?

Did you know that many car insurance carriers take into account your credit score when calculating prices? Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for several drivers.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with cheaper rates.

Looking specifically at AAA and United Financial Casualty Company, which one has the lowest premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with United Financial Casualty Company. Policyholders with "excellent" credit can save nearly 45% compared to AAA, and those with "good" scores can also expect to see savings -- around $127 or 51% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower prices than AAA when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $162 per month less with United Financial Casualty Company compared to AAA, and those with "poor" scores generally save an average of around $367 monthly.

Is AAA or United Financial Casualty Company Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly auto insurance payment. That's because the more miles you put on your vehicle, the more likely you are to get into a collision and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, United Financial Casualty Company offers cheaper premiums than AAA. United Financial Casualty Company's average prices for drivers with 6,000 annual miles come in about $176 less expensive than AAA. Those who drive 12,000 miles annually can expect to pay around $185 less with United Financial Casualty Company over AAA.

AAA vs. United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a big impact on your monthly car insurance bill. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders due to the number of cars that are on the roads in those areas.

United Financial Casualty Company tends to offer the cheapest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, United Financial Casualty Company offers prices about $139 a month compared to AAA's $384. People who live in suburban ZIP codes can expect to pay around $134 a month for United Financial Casualty Company and $301 for AAA. Lastly, those in rural areas tend to get the lowest rates from both companies, with average monthly prices coming in at $125 and $256 for United Financial Casualty Company and AAA respectively.

AAA vs. United Financial Casualty Company Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by AAA and United Financial Casualty Company so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

AAA knocks United Financial Casualty Company out of the park when it comes to the sheer number of discounts available, offering 33 different discounts to United Financial Casualty Company's 18.

There are a couple discounts both carriers offer, but AAA also offers AAA discounts, academic discounts, advance quote discounts, and more that United Financial Casualty Company does not.

On the flip side, United Financial Casualty Company has a couple unique discounts of its own -- continuous insurance discounts, e-signature discounts, minor child discounts, and more.

Final Thoughts: Is AAA or United Financial Casualty Company Best for You?

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each company offers, too. But, at the end of the day, is AAA or United Financial Casualty Company the best company for you and your specific needs?

United Financial Casualty Company might be best for you if....

• You're worried about the impact your credit score will have on your prices.
• You're looking for more protection with "full coverage" insurance.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

AAA might be best for you if...

• You care about discounts (Aaa offers the most).

We hope this guide helps you get a good idea of the differences between AAA and United Financial Casualty Company and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just AAA and United Financial Casualty Company. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

AAA vs. United Financial Casualty Company FAQs

Is AAA or United Financial Casualty Company cheaper?

Looking just at the national average premiums, United Financial Casualty Company is the cheaper of the two companies, offering average rates of $133 per month compared to $314 for AAA. Even so, United Financial Casualty Company won't necessarily be the cheapest carrier for every driver, since there are several different variables that are considered when it comes to your insurance cost.

Who is better, AAA or United Financial Casualty Company?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do AAA and United Financial Casualty Company offer me different rates?

Auto insurance carriers take a look at quite a few different factors when determining the rates they charge policyholders. Things such as gender, age, where your home is, your driving record, and sometimes even things like your credit score can all come into play. Both AAA and United Financial Casualty Company calculate prices differently, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from lots of different companies.

How do I know if AAA or United Financial Casualty Company is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be AAA or United Financial Casualty Company at all!

Methodology

All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.