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

Quick Facts

• Looking at the national averages for car insurance, Farmers offers slightly more affordable premiums than Alliance United
• Alliance United has cheaper prices for policyholders who haven't received any speeding tickets or been in a collision in the last few years
• Farmers offers less expensive average rates for policyholders who drive fewer than 6,000 miles every year

Alliance United or Farmers: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed your search down to Alliance United or Farmers, but which one will offer you more affordable prices?

Looking at nationwide averages, Alliance United is around $22 more a month than Farmers.

Even so, Farmers may not be the most affordable or best option for each driver out there. Insurance carriers use a variety of complex algorithms to determine premiums, so depending on how clean your driving record is or how good your credit score is (among quite a few other factors), you could see wildly different prices from the ones above.

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

Alliance United vs. Farmers: Average Car Insurance Rates by State

Alliance United and Farmers only compete against each other in California, where Farmers offers the cheaper average rates. Farmers drivers tend to pay about $57 per month less on average compared to drivers who use Alliance United for their car insurance.

But there's more to auto insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. 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 prices of any group out there on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 20% less a month by choosing Alliance United over Farmers.

However, with both carriers, you'll see your rates lower significantly once you turn 25. For example, average premiums for Alliance United policyholders reduce about $200 and Farmers's rates drop almost $400 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the lowest auto insurance prices you'll ever find. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise premiums.

When looking at Alliance United and Farmers specifically, which company is best for retired drivers? Farmers gets the edge here, with average prices coming in at around $143 per month compared to Alliance United's $194.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be less expensive for married couples than they are for those who are single. This usually boils down to married drivers having multiple vehicles on their policy -- something a lot of auto insurance companies will reward with discounts.

For single drivers, the difference in average premiums between these two carriers is not very significant, with Farmers rates coming in at about 2% less than Alliance United's. The advantage for married policyholders is more obvious, where drivers who use Farmers save around $45 per month.

Alliance United or Farmers: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get speeding tickets, which means they'll generally end up paying more for car insurance than women.

With Alliance United, everyone ends up paying the same monthly prices regardless of gender, and about 3% less with Farmers.

Looking at the data for each carrier specifically, Farmers comes out on top for both men and women. On average, women save about $25 a month and men save around $18 with Farmers compared to the average Alliance United policyholder.

Alliance United vs. Farmers: 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.

Auto insurance can be a complicated subject for most people. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability coverage).

When it comes to state minimum liability insurance, Alliance United has the edge, while Farmers offers the most affordable average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $25 with Alliance United, while full coverage comes out to be about $70 cheaper with Farmers Insurance.

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

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

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

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Alliance United for their car insurance can generally expect their monthly bill to go up around 25% after getting a speeding ticket. Farmers policyholders can expect a less drastic increase of about 21%.

But Alliance United tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering prices that are 14% and 10% more affordable, respectively, compared to Farmers Insurance.

Which Company is Best for Drivers After an Accident?

Alliance United policyholders who get in a collision can expect to see their premiums increase by over 50%, while those who have insurance through Farmers will see around a 30% increase.

At the end of the day, drivers who use Farmers end up with the cheaper prices after an accident, with average prices coming in at $224 compared to Alliance United's $289.

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 speeding ticket when it comes to your auto insurance bill. On average, Alliance United will increase your rates about 52% after a DUI, while Farmers's average premiums rise by more than 25%.

How does Credit Score Impact Alliance United and Farmers Rates?

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it will come into play for quite a few drivers.

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

Looking specifically at Alliance United and Farmers, which carrier has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have great credit. With Farmers Insurance, improving your score from "good" to "excellent" will typically save you around 10%. 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?

Having bad credit normally means you'll also see higher rates with Farmers Insurance. If your credit score is in the "poor" range, at Farmers Insurance, you may pay about 20% more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because undefined doesn't have data available for credit scores, they might have better premiums for drivers with bad credit over Farmers Insurance.

Is Alliance United or Farmers 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 insurance cost. Usually, the more milage you drive, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Farmers charges. However, there's a small difference in monthly prices for Alliance United, with policyholders who drive 6,000 miles yearly paying around $23 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Farmers is the cheaper company.

Alliance United or Farmers: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large 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.

When comparing these two companies side-by-side, Farmers typically comes out as the less expensive option for drivers in rural and suburban areas, while Alliance United wins in urban areas.

For policyholders in urban ZIP codes, Alliance United's average rates are about 8% less than Farmers Insurance. People who live in suburban areas pay around 21% less with Farmers compared to Alliance United. Those in rural areas can expect to save about 17% with Farmers compared to Alliance United.

Alliance United vs. Farmers 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 difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Alliance United and Farmers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Farmers knocks Alliance United out of the park when it comes to the sheer number of discounts available, offering 25 more discounts than Alliance United.

Both carriers offer a lot of the same discounts -- like discounts for being a defensive driver and discounts for being a good driver -- but Farmers also offers discounts for ABS, advance quote, alternative fuel, and more.

On the other hand, Alliance United has a proprietary discount of their own -- a renewal discounts.

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

So, you've seen how different variables can affect your car insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the best one for you, your vehicle, and your wallet?

Farmers might be best for you if....

• You will be the only person on the insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You drive often but have a short commute.

Alliance United might be best for you if...

• You have received a ticket within the last few years.
• Your home is in a busy urban area.
• You want to save money while purchasing car insurance for a teenager.

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

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Alliance United and Farmers. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Alliance United vs. Farmers FAQs

Is Alliance United or Farmers cheaper?

Farmers is the cheaper of the two companies when looking at national average premiums, with policies averaging $203 a month with Farmers and $225 for Alliance United. However, that doesn't mean Farmers will be the lowest company for everyone, since there are several different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Alliance United or Farmers?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for each policyholder -- it all comes down to what your unique insurance profile looks like.

Why do Alliance United and Farmers offer me different rates?

Car insurance carriers use many different variables when determining the prices they charge. Factors such as age, your driving record, where you call home, gender, and sometimes even things like your credit score can all be used. Both Alliance United and Farmers calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Alliance United or Farmers 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, sites like Compare.com make it easy for you to do just that. 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 premium. And maybe you'll find that the best company for you isn't Alliance United or Farmers 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.