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

Quick Facts

• Based on national averages for auto insurance, Alliance United offers significantly cheaper prices than Esurance
• Alliance United tends to be a much less expensive option for policyholders who may not have much of a commute
• Esurance offers more affordable average premiums for drivers who have less-than-stellar credit

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

So, you're considering 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've maybe even narrowed it down to Alliance United or Esurance as potential options, but between the two, which one will offer you less expensive prices?

As you can see, Alliance United has average rates that are about 25% per month cheaper than those from Esurance when looking at the national average rates for car insurance.

However, that doesn't necessarily mean Alliance United will be the more affordable option for every single driver. Insurance companies vary their rates depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and all sorts of other factors. So, at the end of the day, premiums from each carrier will differ quite a bit from person to person.

So, if you want to find out which of Alliance United or Esurance is really the best for you, keep reading to see average rates for each company broken down by a variety of different rate factors.

Alliance United or Esurance: Average Car Insurance Rates by State

Alliance United and Esurance only compete against each other in California, where Esurance offers the cheaper average prices. For California residents, Esurance offers auto insurance for $148 monthly on average. Alliance United's average premiums come out to be over 50% more expensive, at $225 per month.

But there's more to calculating insurance prices than just where you live. 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 rates of any other group of drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 Alliance United save nearly $300 a month compared to those who use Esurance.

But both carriers will offer you dramatically lower rates once you turn 25. Esurance offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Alliance United still has the cheapest prices at $229 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable auto insurance premiums 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 car insurance.

But who has the best rates for retired drivers between Alliance United and Esurance? Alliance United gets the edge here, with average premiums coming in at around $194 per month compared to Esurance's $232.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Alliance United is the clear winner for single drivers, with prices about $111 per month less expensive than Esurance, on average. The advantage for married policyholders with Alliance United is also obvious, where drivers save almost $25 a month.

Alliance United vs. Esurance: Average Rates by Gender

Men usually pay more for insurance than women. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

With Alliance United, both genders end up paying the same monthly price, while with Esurance, the difference is closer to 7% per month.

When it comes to the lowest prices for each gender, Alliance United comes out on top for both men and women. On average, male drivers save about $84 a month and women save around $63 with Alliance United compared to the average Esurance policyholder.

Alliance United or Esurance: 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 isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

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 if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Alliance United generally offers significantly more affordable rates of $102 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Alliance United again has the edge, with policies about $45 per month less expensive than Esurance, on average.

Is Alliance United or Esurance 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.

You'll probably end up paying more with tickets and accidents on your record, but which of these two carriers offers the most affordable premiums to 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 Esurance typically raises rates around $45 per month, on average.

Even so, Alliance United has cheaper premiums for drivers in both categories, offering rates that are $103 and $102 more affordable, respectively, compared to Esurance.

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 $150, while those who have insurance through Esurance will see about a $100 increase.

Overall, Alliance United offers the cheapest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $289 compared to Esurance's $364.

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. Alliance United drivers usually see a 52% increase in their car insurance premiums after a DUI charge, while Esurance will generally climb prices by around 20%.

How does Credit Score Impact Alliance United and Esurance Rates?

Did you know that many auto insurance companies take your credit score into account when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for many policyholders.

The reasoning car insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will typically be forced to pay more.

Looking specifically at Esurance and Alliance United, which company has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have fantastic credit, Esurance will normally reward you. Jumping from a "good" credit score to an "excellent" one will usually save Esurance customers about 20%. On the other hand, because Alliance United 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?

Having bad credit can cost you with Esurance. For drivers with less-than-stellar credit, at Esurance, you may pay around $100 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. Because Alliance United doesn't have data available for credit scores, they could have better rates for drivers with bad credit over Esurance.

Is Alliance United or Esurance Better for Drivers who Work from Home or Have Short Commutes?

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

Alliance United tends to be the less expensive 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 28% more affordable than Esurance. Those who drive 12,000 miles annually can expect to pay around 21% less with Alliance United over Esurance.

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

Where your home is can have a substantial impact on your monthly insurance cost. Generally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the road in those areas, which increases the chances of an accident.

When comparing these two carriers side-by-side, Alliance United usually comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, Alliance United offers premiums about $230 monthly compared to Esurance's $396. People who live in suburban ZIP codes can expect to pay around $239 per month for Alliance United and $288 for Esurance. Lastly, those in rural areas tend to get the cheapest prices from both companies, with average monthly rates coming in at $206 and $211 for Alliance United and Esurance respectively.

Alliance United vs. Esurance 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, 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 so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

In the section below, we've taken a look at all of the different discounts Alliance United and Esurance offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Esurance knocks Alliance United out of the park when it comes to the sheer number of discounts available, offering 24 different discounts to Alliance United's 24.

A couple of those are overlapping for things like discounts for being a defensive driver and discounts for being a good driver. Esurance also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Alliance United does not.

On the flip side, Alliance United has a unique discount of its own -- a renewal discounts.

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

You've seen the effect certain factors have on your auto 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 company for you and your specific driver profile?

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

• You have received a ticket within the last few years.
• You drive fewer than 6,000 miles every year.

Esurance might be best for you if...

• You have below-average credit.
• You already have a great credit score.
• You care about discounts (Esurance offers the most).

We hope this guide helps you get a better idea of the difference between Alliance United and Esurance. We also hope we've given you the information you need to make the best decision when it comes to your 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 car insurance -- comparing quotes from a handful of companies, not just Alliance United and Esurance. 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 insurance carriers in your area, all in just a few minutes.

Alliance United vs. Esurance FAQs

Is Alliance United or Esurance cheaper?

Looking just at the national average premiums, Alliance United is the less expensive of the two companies, offering average rates of $225 a month compared to $299 for Esurance. That being said, Alliance United won't necessarily be the most affordable company for each policyholder, since there are lots of different variables that come into play when it comes to your auto insurance bill.

Who is better, Alliance United or Esurance?

Sadly, the answer truly is "it depends.". Neither carrier is necessarily "better" for everyone -- it all boils down to your unique insurance profile. For example, Alliance United offers cheaper rates for drivers with a recent DUI, while Esurance is more affordable for drivers with excellent credit.

Why do Alliance United and Esurance offer me different rates?

Car insurance carriers take a look at several different factors when determining the prices they charge policyholders. Variables like where you live, where you call home, age, gender, and sometimes even things like your credit score can all come into play. Both Alliance United and Esurance calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto 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, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be Alliance United or Esurance 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.