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

Quick Facts

• In general, Alfa Alliance offers slightly cheaper premiums than Allstate
• Alfa Alliance tends to be a much less expensive option for policyholders who live in rural neighborhoods
• Allstate may help you save more money -- they offer more discounts than Alfa Alliance Insurance

Alfa Alliance or Allstate: Which Company has the Cheapest Car Insurance?

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

You might have narrowed it down to Alfa Alliance or Allstate as potential options, but which company will save you the most?

As you can see, Allstate is around $5 more a month than Alfa Alliance when looking at the national average rates for car insurance.

That being said, that doesn't mean Alfa Alliance will necessarily be more affordable than Allstate for each driver. After all, auto insurance carriers can offer drastically different rates to every driver depending on rating factors like your credit score, where you call home, your driving record, or even your age (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

Wanting to know if Alfa Alliance or Allstate is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Alfa Alliance vs. Allstate: Average Car Insurance Rates by State

Alfa Alliance and Allstate only compete against each other in Virginia, where Allstate offers the cheaper average prices. Allstate drivers tend to pay about $62 per month less on average compared to drivers who use Alfa Alliance for their car insurance.

But there's more to insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your premiums. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of almost 45% less a month by choosing Alfa Alliance over Allstate.

Even so, both carriers will offer you dramatically lower prices once you turn 25. Allstate offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Alfa Alliance's average premiums decrease nearly 15% during that same period.

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 most affordable rates out there.

But who has the best prices for retired drivers between Alfa Alliance and Allstate? In this case, Allstate has the slight edge, with rates about $3 per month less than Alfa Alliance. But the difference is only around 5%, so other variables will likely come into play when determining which company has the lowest premiums for you.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married policyholders than they are for single policyholders. That's because policies for married couples generally cover more than one vehicle, which quite a few companies will give you a discount for.

For those who are single, the difference in average prices between these two carriers is not very significant, with Alfa Alliance premiums coming in at about 10% less than Allstate's. The advantage for married drivers is more obvious, where drivers who use Allstate save over 10% a month.

Alfa Alliance or Allstate: Average Rates by Gender

You may not know, but car insurance is typically more expensive for men than for women. That's because men are more likely to get into collisions and get tickets, which raises the chances of filing a claim with insurance.

With Alfa Alliance, women usually pay around $1 per month less than men, but with Allstate, the difference is closer to $9 a month.

Looking at overall affordability, Alfa Alliance comes out as the cheapest option for both genders, with average prices 4% less for men and 0% cheaper for women.

Alfa Alliance 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.

For most people, auto insurance isn't the easiest topic to understand. There are a variety of different coverages that account for multiple different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

However, the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Alfa Alliance has the slight edge, with average monthly premiums coming in at $103. If you want a full coverage policy with the same state minimum limits, Alfa Alliance again has the edge, with policies averaging about $286 per month to Allstate's $289.

Is Alfa Alliance or Allstate Better for Drivers with Spotty Records?

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

Speeding tickets and at-fault collisions will most likely raise your rates, but is Alfa Alliance or Allstate more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Alfa Alliance for their auto insurance can normally expect their monthly bill to go up around 18% after getting a speeding ticket. Allstate policyholders can expect a less drastic increase of about 15%.

Even so, Alfa Alliance has cheaper prices for drivers in both categories, offering rates that are $49 and $53 less expensive, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Alfa Alliance can expect to see around an $55 -- or about 34% -- rise in their auto insurance premiums. Drivers who use Allstate for their insurance will see a monthly bill around $73 (or 32%) more expensive after reporting a collision to their car insurance carrier.

At the end of the day, the cheaper rates come from Alfa Alliance, with average premiums coming in at $162 compared to Allstate's $229.

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 ticket when it comes to your auto insurance bill. For example, Alfa Alliance increases average prices by more than $250 a month -- that's more than a 70% increase.

How does Credit Score Impact Alfa Alliance and Allstate Rates?

Often times, your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it might come into play for lots of drivers.

Car 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, policyholders with good credit will often be rewarded with more affordable premiums.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Alfa Alliance 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 your monthly insurance cost? Typically, those who drive fewer miles will end up with cheaper rates 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 Alfa Alliance charges. However, there's a small difference in monthly premiums for Allstate, with policyholders who drive 6,000 miles annually paying about $3 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Alfa Alliance is the more affordable carrier.

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

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a sizable impact as well. Generally, those who live in urban areas will pay more than policyholders in rural areas due to the number of cars that are on the roads where they live.

When comparing these two carriers side-by-side, Alfa Alliance usually comes out as the less expensive option for drivers in rural and urban areas, while Allstate wins in suburban areas.

For drivers in urban ZIP codes, Alfa Alliance's average rates are around $200 while Allstate offers prices about $222. Drivers in suburban ZIP codes pay a monthly rate of around $199 with Allstate compared to $234 with Alfa Alliance. Those in rural areas can expect to pay about $149 monthly with Alfa Alliance compared to Allstate's $174.

Alfa Alliance vs. Allstate Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Alfa Alliance and Allstate so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Alfa Alliance out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Alfa Alliance's 40.

A couple of those are overlapping for things like advance quote discounts, discounts for being a good driver, discounts for being a homeowner, and paid in full discounts. Allstate also offers discounts for ABS, agency transfer, alert driving, and more.

On the other hand, Alfa Alliance has a proprietary discount of their own -- a intra-agency transfer discounts.

Final Thoughts: Is Alfa Alliance or Allstate Best for You?

So, you've seen how different factors can affect your insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the best one for you and your specific profile and needs?

Alfa Alliance might be best for you if....

• You have received a ticket within the last few years.
• You want the most robust protection via a "full coverage" policy.
• You want to save money while purchasing car insurance for a teenager.

Allstate might be best for you if...

• Your driving record includes a DUI charge.
• You live in an suburban area.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Hopefully, this guide has ben a valuable resource as you compare Alfa Alliance and Allstate. We also hope we've given you the information you need to make the best 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 auto insurance policy is to compare quotes from a handful of companies, not just Alfa Alliance and Allstate. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Alfa Alliance vs. Allstate FAQs

Is Alfa Alliance or Allstate cheaper?

Alfa Alliance is the more affordable of the two companies when looking at national average prices, with policies averaging $194 per month with Alfa Alliance and $199 for Allstate. That being said, that doesn't mean Alfa Alliance will be the cheapest carrier for everyone, since there are a range of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Alfa Alliance or Allstate?

Unfortunately, the answer truly is "it depends.". No one company is necessarily "better" for every policyholder -- it all depends on what your unique car insurance profile looks like. For example, Alfa Alliance is less expensive for drivers with excellent credit, while Allstate offers cheaper rates for drivers with a recent DUI.

Why do Alfa Alliance and Allstate offer me different rates?

Auto insurance carriers use a lot of different factors when determining the prices they charge. Things such as where you call home, age, gender, where your home is, and sometimes even things like your credit score can all come into play. Both Alfa Alliance and Allstate calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Alfa Alliance or Allstate 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, 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 car insurance companies for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't Alfa Alliance 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.