Acuity vs. Allstate: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Allstate offers significantly less expensive rates than Acuity
• Allstate offers more affordable premiums for policyholders who drive fewer than 12,000 miles annually
• Allstate offers more affordable average rates for policyholders whose driving record contains an at-fault collision

Acuity or Allstate: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering considerable savings. But exactly how much can you save by switching?

You've maybe even narrowed it down to Acuity or Allstate for your next policy, but between the two, which company has cheaper prices for insurance?

Looking at nationwide averages, Acuity is quite a bit more expensive than Allstate, with premiums averaging $313 a month compared to just $199 with Allstate.

Even so, that doesn't mean Allstate will necessarily be more affordable than Acuity for every driver. Auto insurance carriers vary their rates depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and a variety of other factors, so prices will change quite a bit from person to person.

So, if you want to find out which of Acuity or Allstate is really the best for you, keep reading to see average premiums for each company broken down by multiple different rate factors.

Acuity vs. Allstate: Average Car Insurance Rates by State

Acuity and Allstate only compete against each other in two states, with Allstate offering less expensive prices to the average driver in all of them. Colorado has the most noticable difference, where Allstate premiums are $173 cheaper than car insurance rates at Acuity.

There are plenty of other factors that go into your auto insurance payment than just where you call home. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for insurance than any other group of drivers out there on the road. The reason is that teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Allstate save over 55% per month compared to those who use Acuity.

However, with both companies, you'll see your prices lower significantly by the time drivers turn 25. For example, average rates for Acuity policyholders drop around $500 and Allstate's premiums decrease about $300 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates out there.

When looking at Acuity and Allstate specifically, which carrier is best for retired drivers? Allstate gets the edge here, with average prices coming in at around $152 per month compared to Acuity's $183.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable auto insurance rates than single policyholders. This usually boils down to married policyholders having several vehicles on their policy -- something quite a few car insurance carriers will reward with discounts.

For those who are single, the difference in average prices between these two companies is significant, with Allstate premiums coming in at about half of Acuity's. The advantage for married couples with Allstate is also obvious, where drivers save almost $40 a month.

Acuity or Allstate: Average Rates by Gender

You may not know, but men usually pay more for insurance than women do. This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher rates.

Men normally pay around $20 per month more than women with Acuity, and nearly $10 with Allstate.

When it comes to the most affordable premiums for each gender, Allstate comes out as the lowest option for both genders, with average prices $120 less for men and $110 cheaper for women.

Acuity vs. Allstate: 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.

It's no secret that car insurance can be pretty complicated. There are a bunch of different coverages that account for many different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability).

Looking specifically at state minimum liability limits, Allstate has the significant edge, with average monthly premiums coming in at $108. If you want a full coverage policy with the same state minimum limits, Allstate again has the edge, with policies averaging about $289 a month to Acuity's $454.

Is Acuity or Allstate Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two carriers offers the cheapest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Acuity for their auto insurance can generally expect their monthly bill to go up around 29% after getting a speeding ticket. Allstate policyholders can expect a less drastic increase of about 15%.

But Allstate tends to offer the best prices for drivers both with clean records and with a ticket, offering rates that are 32% and 43% cheaper, respectively, compared to Acuity Insurance.

Which Company is Best for Drivers After an Accident?

Acuity drivers who get in an accident can expect to see their prices increase by over $100, while those who have insurance through Allstate will see around a $75 increase.

At the end of the day, Allstate offers the lowest rates for drivers with an at-fault accident on their records, with average premiums coming in at $229 compared to Acuity Insurance's $344.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. On average, Acuity will raise your rates about 36% after a DUI, while Allstate's average prices rise by more than 30%.

How does Credit Score Impact Acuity and Allstate Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly auto insurance premiums. Certain states and companies do not allow for credit score to be used as an insurance factor, but it does affect a lot of policyholders out there.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which company offers the most affordable rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Acuity or Allstate Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly prices. Normally, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of causing a collision and filing an insurance claim.

Allstate tends to be the cheaper option for both remote workers and those taking short commutes. Acuity's average prices for drivers with 6,000 annual miles come in nearly 35% more expensive than Allstate. Those who drive 12,000 miles yearly can expect to pay just under 40% more with Acuity over Allstate.

Acuity or Allstate: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a large impact on your monthly auto insurance cost. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Allstate tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, Allstate's average prices are around $222 per month compared to Acuity's $374. Drivers in suburban ZIP codes pay about $199 with Allstate compared to Acuity's $313 monthly. If you live in a rural area, you can expect to pay around $174 a month with Allstate compared to Acuity's $253.

Acuity vs. Allstate Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging to find all the ones you can take advantage of or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Acuity and Allstate offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Acuity out of the park when it comes to the sheer number of discounts available, offering 31 more discounts than Acuity.

A couple of those are overlapping for things like COVID-19 relief discount, discounts for being a defensive driver, and discounts for being a good driver. Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, Acuity has a few proprietary discounts of their own for things like college graduate discounts, continuous insurance discounts, and group discounts.

Final Thoughts: Is Acuity or Allstate Best for You?

So, you've seen how different variables can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. But, at the end of the day, is Acuity or Allstate the best fit for you?

Allstate might be best for you if....

• You have an at-fault accident on your record.
• You live in an urban area.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Acuity might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Acuity and Allstate and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Acuity and Allstate. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Acuity vs. Allstate FAQs

Is Acuity or Allstate cheaper?

Allstate is the less expensive of the two companies when looking at national average premiums, with policies averaging $199 a month with Allstate and $313 for Acuity. That being said, that doesn't mean Allstate will be the cheapest company for everyone, since there are a range of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Acuity or Allstate?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Acuity and Allstate offer me different rates?

Insurance carriers use several different variables when determining the rates they charge. Things like your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be used. Both Acuity and Allstate calculate prices differently, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Acuity or Allstate is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Acuity or Allstate at all, but another you hadn't even thought of!

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.