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

Quick Facts

• Based on national averages for auto insurance, Cig offers significantly less expensive premiums than Alliance United
• Cig offers more affordable average rates for drivers who have an at-fault accident on their record
• Cig tends to be a much cheaper option for policyholders who drive fewer than 12,000 miles yearly

Alliance United vs. Cig: 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 hefty discounts, but exactly how much money can you save by switching?

You might be considering Alliance United or Cig as potential options, but which company will save you the most?

As you can see, Alliance United has average rates that are about 45% per month more expensive than those from Cig when looking at the national average rates for insurance.

But Cig may not be the lowest or best option for every single driver out there. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things). So, at the end of the day, premiums from every company will differ quite a bit from person to person.

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

Alliance United or Cig: Average Car Insurance Rates by State

Alliance United and Cig only compete against each other in California, where Cig offers the cheaper average rates. For California residents, Cig offers car insurance for $139 monthly on average. Alliance United's average prices come out to be over 60% more expensive, at $225 a month.

There's a lot more that goes into your insurance cost than just the state you live in. 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 premiums of any group out there on the road. That's typically because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. As you can see above, teens who use Cig save nearly $200 a month compared to those who use Alliance United.

That being said, both carriers will reduce premiums by the time drivers turn 25. Cig offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Alliance United's average prices decrease more than 45% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest auto insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

But who has the best rates for retired drivers between Alliance United and Cig? Cig gets the edge, with premiums for drivers 65 and older $108 less expensive than the national average for Alliance United.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for those who are single than they are for married drivers. That's because policies for married policyholders normally cover multiple cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, Cig is the clear winner for single policyholders, with prices around $111 per month cheaper than Alliance United, on average. The advantage is also clear for married couples - Cig offers the most affordable average premiums.

Alliance United vs. Cig: Average Rates by Gender

Because men are more likely to get speeding tickets and get into accidents, they raise the chances of filing a claim with insurance. Therefore, insurance carriers will often charge men more than women.

With Alliance United, both genders end up paying the same monthly premium, and about 3% less with Cig.

Looking at overall affordability, Cig comes out on top for both men and women. On average, women save about $108 a month and men save around $104 with Cig compared to the average Alliance United policyholder.

Alliance United or Cig: 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 can be pretty complicated. Everyone needs car insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

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

If you're looking for state minimum limits for liability insurance, Cig usually offers significantly more affordable prices of $71 compared to Alliance United's $102. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies about $200 per month less expensive than Alliance United, on average.

Is Alliance United or Cig 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.

It's no secret secret that accidents and tickets lead to higher premiums, but which company -- Alliance United or Cig -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United policyholders can expect their prices to go up an average of $46 a month if they get a ticket, while Cig normally raises rates around $24 per month, on average.

Even so, Cig has cheaper premiums for drivers in both categories -- their rates are around 37% more affordable for drivers with clean records and 39% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Alliance United drivers who get in a collision can expect to see their prices climb by over 50%, while those who have insurance through Cig will see about a 25% increase.

Overall, the less expensive rates come from Cig, with monthly premiums averaging $118 compared to Alliance United's $289.

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 speeding ticket or even an accident. On average, Alliance United will climb your rates around 52% after a DUI, while Cig's average prices rise by just under 45%.

If you have a DUI on your record and are looking for more affordable premiums, Cig tends to be the much more affordable option with average prices of $157 per month compared to $289 from Alliance United.

How does Credit Score Impact Alliance United and Cig Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly auto insurance rates. This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it will come into play for several policyholders.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

So, which carrier offers the lowest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Normally, if you have fantastic credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will usually save CIG Insurance customers about $15. On the other hand, because undefined doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with CIG Insurance. For drivers with less-than-stellar credit, at CIG Insurance, you may pay around $55 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, because undefined doesn't have data available for credit scores, they could have better premiums for drivers with bad credit over CIG Insurance.

Is Alliance United or Cig 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 rates. That's because the fewer miles you put on your vehicle, the less likely you are to get into a collision and cause an insurance claim.

Cig tends to be the less expensive option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Alliance United's average premiums for drivers with 6,000 annual miles come in about 47% more expensive than Cig. Those who drive 12,000 miles every year can expect to pay around 47% more with Alliance United over Cig.

Alliance United vs. Cig: 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 car insurance, but the type of area you live in can have a big impact as well. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer cars on the roads in those areas.

Cig tends to offer the cheapest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest premiums from both carriers, but Cig comes out on top with average rates about $106 monthly. Cig also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a $102 and $116 per month respective difference when compared to Alliance United policyholders in similar areas.

Alliance United vs. Cig Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. 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 carrier that has the most discounts for your unique driver profile.

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

Cig blows Alliance United away when it comes to the sheer amount of discounts available, offering 22 more discounts than Alliance United.

Both companies offer a lot of the same discounts -- like discounts for being a defensive driver, discounts for being a good driver, and renewal discounts -- but Cig also offers ABS discounts, advance quote discounts, anti-theft 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 Cig Best for You?

So, we've broken down the average prices for many of the variables auto insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the best one for you and your specific driver profile?

Cig might be best for you if....

• You've received a ticket for speeding recently and don't want to see your rates increase.
• Your home is located in the suburbs.
• You drive fewer than 12,000 miles yearly.

Alliance United might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Alliance United and Cig. We also hope we've given you the information you need to make the best decision about your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from multiple companies, not just Alliance United and Cig. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Alliance United vs. Cig FAQs

Is Alliance United or Cig cheaper?

Looking just at the national average prices, Cig is the more affordable of the two companies, offering average rates of $119 a month compared to $225 for Alliance United. But Cig won't necessarily be the cheapest company for each policyholder, since there are lots of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Alliance United or Cig?

Unfortunately, the answer truly is "it depends.". Neither carrier is necessarily "better" for every driver -- it all boils down to your unique car insurance profile.

Why do Alliance United and Cig offer me different rates?

Insurance carriers take a look at many different variables when calculating the rates they charge drivers. Factors such as where you live, where your home is, age, gender, and sometimes even things like your credit score can all come into play. Both Alliance United and Cig calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance carrier 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 ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Alliance United or Cig 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.