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

Quick Facts

• Based on national averages for auto insurance, AFR offers significantly more affordable premiums than Allstate
• AFR tends to be a much less expensive option for drivers who have a speeding ticket on their driving record
• Allstate may help you save more money -- they offer more discounts than AFR Insurance

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You might be considering AFR or Allstate, but between the two, which company will save you the most?

Looking at the national average rates for both carriers, Allstate has average rates that are around 30% a month more expensive than those from AFR.

However, that doesn't necessarily mean AFR will be the cheaper option for every driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things), so prices could differ drastically from person to person.

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

AFR vs. Allstate: Average Car Insurance Rates by State

AFR and Allstate only compete against each other in Oklahoma, where AFR offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their insurance.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how car insurance carriers determine your rates. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. It's because 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.

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 over 55% less a month by choosing AFR over Allstate.

Even so, both companies will offer you dramatically lower premiums once you turn 25. Allstate offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, AFR still has the most affordable prices at $135 per month.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever see.

When looking at AFR and Allstate specifically, which company is best for retired drivers? AFR gets the edge here, with average prices coming in at about $124 monthly compared to Allstate's $152.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be less expensive for married policyholders than they are for single policyholders. This usually boils down to married drivers having more than one vehicle on their policy -- something a lot of car insurance carriers will reward with discounts.

For single drivers, the difference in average rates between these two companies is significant, with AFR premiums coming in at a third less than Allstate's. For married couples, the advantage is clear again - AFR has the edge when it comes to average prices.

AFR or Allstate: Average Rates by Gender

Women tend to pay less for auto insurance than men. This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher rates.

Men usually pay around $4 per month more than women with AFR, and about $10 with Allstate.

When it comes to the most affordable prices for each gender, AFR comes out as the cheapest option for both genders, with average rates $64 less for men and $59 cheaper for women.

AFR 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 insurance can be pretty complicated. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum liability insurance, AFR has the significant edge, with average monthly premiums coming in at $65. If you want a full coverage policy with the same state minimum limits, AFR again has the edge, with policies averaging around $209 a month to Allstate's $289.

Is AFR or Allstate Better for Drivers with Spotty Records?

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

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two companies offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use AFR for their auto insurance can generally expect their monthly bill to go up about 26% after getting a speeding ticket. Allstate policyholders can expect a less drastic increase of around 15%.

Even so, AFR tends to offer the best prices for drivers both with clean records and with a ticket, offering prices that are $58 and $50 more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

AFR drivers who get in an accident can expect to see their rates increase by $0, while those who have insurance through Allstate will see about a $75 increase.

At the end of the day, the cheaper premiums come from AFR, with average prices coming in at $98 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than a collision or speeding ticket. On average, AFR will raise your premiums around 55% after a DUI, while Allstate's average rates climb by more than 30%.

How does Credit Score Impact AFR and Allstate Rates?

Did you know many auto insurance carriers take your credit score into account when determining prices? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an insurance factor) but it does affect lots of policyholders out there.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable rates.

Looking at AFR and Allstate specifically, which carrier has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a large impact on how much car insurance carriers will charge for coverage? Generally, those who drive less will end up with less expensive premiums since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much AFR charges. However, there's a small difference in monthly prices for Allstate, with policyholders who drive 6,000 miles each year paying about $3 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, AFR is the cheaper carrier.

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

Where you live can play a pretty big role in how much you pay for insurance. Normally, those who live in rural areas will pay less than drivers in urban areas because of the small number of cars that are on the roads where they live.

AFR boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, AFR Insurance's average premiums are around $59 less than Allstate. People who live in suburban areas pay about $60 less with AFR compared to Allstate. Those in rural areas can expect to save around $65 with AFR compared to Allstate.

AFR 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 auto insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for 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 AFR and Allstate offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

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

Both companies offer quite a few of the same discounts -- like discounts for being a good driver, good payer discounts, and multi-policy discounts -- but Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, AFR has a proprietary discount of their own -- a new business discounts.

Final Thoughts: Is AFR or Allstate Best for You?

You've seen the role certain variables have on your car insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which carrier is the right one for you and your specific driver profile?

AFR might be best for you if....

• You will be the only person on the auto insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You drive fewer than 12,000 miles annually.

Allstate might be best for you if...

• You're thinking about moving to another state -- undefined only offers policies in.
• You want to save extra money with discounts.

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

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

AFR vs. Allstate FAQs

Is AFR or Allstate cheaper?

AFR is the less expensive of the two companies when looking at national average rates, with policies averaging $137 per month with AFR and $199 for Allstate. That being said, that doesn't mean AFR will be the most affordable company for everyone, since there are a bunch of different factors that come into play when it comes to your insurance payment.

Who is better, AFR or Allstate?

Sadly, the real answer is "it depends.". No single carrier is "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do AFR and Allstate offer me different rates?

Car insurance carriers use many different variables when calculating the prices they charge. Factors such as where your home is, where you park your vehicle, gender, age, and sometimes even things like your credit score can all be used. Both AFR and Allstate calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't AFR 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.