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

Quick Facts

• Based on national averages for auto insurance, Allstate offers cheaper premiums than Alliance United
• Alliance United has more affordable prices for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record
• Allstate has less expensive rates for drivers who have an at-fault accident on their record

Alliance United vs. Allstate: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might be considering Alliance United or Allstate for your next policy, but between the two, which company has cheaper prices for car insurance?

Looking at the national average rates for both companies, Allstate has average rates that are about 12% per month less expensive than those from Alliance United.

Even so, that doesn't mean Allstate will necessarily be more affordable than Alliance United for every single driver. Insurance carriers vary their premiums depending on things like where you live, how old you are, how clean your driving record is, how good your credit score is, and all sorts of other factors, so rates will vary quite a bit from person to person.

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

Alliance United or Allstate: Average Car Insurance Rates by State

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But there's more to calculating insurance rates than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

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

But that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. Just look at the table above -- where 18-year-old drivers who have Alliance United for their car insurance pay more than $25 less than those who use Allstate.

That being said, both companies will offer you dramatically lower prices once you turn 25. For example, average premiums for Alliance United policyholders reduce nearly $200 and Allstate's prices drop around $300 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the most affordable insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best prices for retired drivers between Alliance United and Allstate? Allstate gets the edge here, with average rates coming in at about $152 a month compared to Alliance United's $194.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, the two companies are comparable for those who are single, with rates only differing around $19 a month, on average. The advantage for married couples is more obvious, where drivers who use Allstate save almost 20% per month.

Alliance United vs. Allstate: Average Rates by Gender

Women typically to pay less for insurance than men. This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim.

Women and men end up paying same monthly premiums with Alliance United, while with Allstate, the difference is closer to 4% a month.

When it comes to the lowest prices for each gender, Allstate comes out on top for both men and women. On average, male drivers save about $22 per month and women save about $31 with Allstate compared to the average Alliance United policyholder.

Alliance United or 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.

Car insurance can be a complicated subject for most people. There are lots 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.

The two most common policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

In this case, Alliance United offers the cheapest average rates for state minimum limits for liability insurance, while Allstate has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $6 with Alliance United, while full coverage comes out to be around $60 less expensive with Allstate.

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

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Tickets and collisions will most likely raise your prices, but is Alliance United or Allstate more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United policyholders can expect their premiums to go up an average of $46 a month if they get a ticket, while Allstate usually raises rates about $27 per month, on average.

If you have a clean record, Alliance United tends to offer the best prices at around 11% less expensive, while Allstate has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Alliance United policyholders who get in an accident can expect to see their premiums increase by over 50%, while those who have insurance through Allstate will see about a 30% increase.

Overall, Allstate offers the most affordable prices for drivers with an at-fault collision on their records, with monthly rates averaging $229 compared to Alliance United's $289.

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 auto insurance bill -- normally a lot more than a collision or ticket. On average, Alliance United will increase your premiums around 52% after a DUI, while Allstate's average rates climb by over 30%.

How does Credit Score Impact Alliance United and Allstate 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 might come into play for quite a few drivers.

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

So, which company offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have excellent credit, Allstate will typically reward you. With Allstate, improving your score from "good" to "excellent" will normally save you about $25. Alliance United, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Allstate. For drivers with less-than-stellar credit, at Allstate, you may pay around $70 a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, Alliance United doesn't have data available for credit scores, which means drivers with bad credit could find better rates with Alliance United over Allstate.

Is Alliance United 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. Usually, those who drive fewer miles will end up with more affordable rates since there's less of a chance of getting into an accident and causing an insurance claim.

Allstate tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. Alliance United's average prices for drivers with 6,000 annual miles come in about 8% more expensive than Allstate. Those who drive 12,000 miles annually can expect to pay around 16% more with Alliance United over Allstate.

Alliance United vs. Allstate: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a pretty big impact on your monthly auto insurance bill. Normally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads in those areas.

When comparing these two companies side-by-side, Allstate generally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the cheapest prices from both carriers, but Allstate comes out on top with average premiums about $174 monthly. Allstate also has less expensive average prices for drivers in urban and suburban ZIP codes -- a $8 and $40 per month respective difference when compared to Alliance United policyholders in similar areas.

Alliance United vs. Allstate 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, and the best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

In the section below, we've taken a look at all of the different discounts Alliance United and Allstate offer their customers so that you can see which one can save you the most money each month.

Allstate blows Alliance United away when it comes to the sheer amount of discounts available, offering 37 more discounts than Alliance United.

There are a couple discounts both companies offer, but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Alliance United does not.

Alliance United's discounts come through just three categories -- Defensive Driver, Good Driving, and Renewal Discount.

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

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the right carrier for you and your specific driver profile?

Allstate might be best for you if....

• You want to save money on your car insurance after a collision.
• You're looking for the company with the most discounts.
• You drive fewer than 6,000 miles each year.

Alliance United might be best for you if...

• You have a clean record.
• You want basic insurance coverage at the state minimum limits.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Alliance United and Allstate and that it aids in making a more informed decision about your 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 several companies, not just Alliance United and Allstate. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Alliance United vs. Allstate FAQs

Is Alliance United or Allstate cheaper?

Looking just at the national average premiums, Allstate is the more affordable of the two companies, offering average rates of $199 a month compared to $225 for Alliance United. However, Allstate won't necessarily be the lowest carrier for everyone, since there are a variety of different variables that come into play when it comes to your insurance payment.

Who is better, Alliance United or Allstate?

Sadly, the real answer is "it depends.". No single company is "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Alliance United and Allstate offer me different rates?

Auto insurance carriers take a look at many different factors when determining the rates they charge drivers. Things such as your driving record, age, where you call home, gender, and sometimes even things like your credit score can all come into play. Both Alliance United and Allstate use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be Alliance United or Allstate 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.