Alliance United vs. First American Property & Casualty: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, First American Property & Casualty offers significantly cheaper rates than Alliance United
• First American Property & Casualty offers more affordable prices for policyholders who drive fewer than 6,000 miles every year
• First American Property & Casualty tends to be a much less expensive option for policyholders who live in rural neighborhoods

Alliance United or First American Property & Casualty: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Alliance United or First American Property & Casualty, but which one will save you the most?

Looking at nationwide averages, Alliance United has average rates that are around 25% a month more expensive than those from First American Property & Casualty.

But that doesn't mean First American Property & Casualty will necessarily be more affordable than Alliance United for each driver. Insurance carriers use a variety of complex algorithms to determine premiums, so depending on where you live or how good your credit score is (among a bunch of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average prices from both Alliance United and First American Property & Casualty by several different rate factors, so read on to find out which carrier is the best for you.

Alliance United vs. First American Property & Casualty: Average Car Insurance Rates by State

Both Alliance United and First American Property & Casualty only offer auto insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. First American Property & Casualty drivers tend to pay about $58 per month less on average compared to drivers who use Alliance United for their car insurance.

Typically, the state you live in will play a large role in how much you pay for insurance, but since both companies only do business in California, lots of other variables will come into play when you compare Alliance United and First American Property & Casualty. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. Just look at the table above -- where 18-year-old drivers who have First American Property & Casualty for their insurance pay almost 15% less than those who use Alliance United.

That being said, with both companies, you'll see your prices lower significantly once you turn 25. For example, average premiums for Alliance United policyholders decrease over 45% and First American Property & Casualty's rates reduce more than 55% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Alliance United and First American Property & Casualty specifically, which company is best for retired drivers? First American Property & Casualty gets the edge, with rates for drivers 65 and older nearly 40% less expensive than the national average for Alliance United.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance prices than married policyholders. This usually boils down to married couples having several vehicles on their policy -- something quite a few car insurance carriers will reward with discounts.

For single drivers, the difference in average premiums between these two companies is significant, with First American Property & Casualty rates coming in at a quarter less than Alliance United's. For married drivers, the advantage is clear again - First American Property & Casualty has the edge when it comes to average prices.

Alliance United or First American Property & Casualty: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into accidents. That means when it comes to auto insurance men will usually end up paying a little more.

With Alliance United, both genders end up paying the same monthly rate; women and men end up paying same monthly rates with First American Property & Casualty.

Looking at overall affordability, First American Property & Casualty comes out as the most affordable option for both genders. On average, women save about $58 a month and men save about $58 with First American Property & Casualty compared to the average Alliance United policyholder.

Alliance United vs. First American Property & Casualty: 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.

It's no secret that insurance can be a complicated subject for most people. There are a variety of different coverages that account for a range of 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.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, First American Property & Casualty has the significant edge, with average monthly premiums coming in at $70. If you want a full coverage policy with the same state minimum limits, First American Property & Casualty again has the edge, with policies averaging around $263 per month to Alliance United's $349.

Is Alliance United or First American Property & Casualty 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.

At-fault collisions and speeding tickets will most likely raise your prices, but is Alliance United or First American Property & Casualty more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Alliance United for their insurance can generally expect their monthly bill to go up about 25% after getting a speeding ticket. First American Property & Casualty policyholders can expect a less drastic increase of around 18%.

Even so, First American Property & Casualty tends to offer the best prices for drivers both with clean records and with a ticket -- their rates are around 14% cheaper for drivers with clean records and 22% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Alliance United can expect to see about an $150 -- or around 52% -- rise in their car insurance rates. Drivers who use First American Property & Casualty for their insurance will see a monthly bill about $26 (or 18%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, drivers who use First American Property & Casualty end up with the cheaper prices after an accident, with average prices coming in at $145 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 insurance bill. For example, Alliance United increases average premiums by $150 a month -- that's more than a 50% increase.

But if you end up with a DUI charge and are looking for more affordable rates, First American Property & Casualty tends to be more affordable for the average driver, with monthly premiums coming in at around $256 to Alliance United's $289.

How does Credit Score Impact Alliance United and First American Property & Casualty Rates?

Did you know many auto insurance carriers take your credit score into account when determining prices? This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it does affect a lot of drivers out there.

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

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Alliance United or First American Property & Casualty 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 how much insurance carriers will charge for coverage. Usually, the more milage you put on your car each year, the more you can expect to pay for auto insurance.

First American Property & Casualty tends to be the less expensive option for both remote workers and those taking short commutes. Alliance United's average premiums for drivers with 6,000 annual miles come in about 34% more expensive than First American Property & Casualty. Those who drive 12,000 miles annually can expect to pay around 19% more with Alliance United over First American Property & Casualty.

Alliance United or First American Property & Casualty: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a substantial role in how much you pay for car insurance. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

When comparing these two companies side-by-side, First American Property & Casualty normally comes out as the cheapest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about 32% with First American Property & Casualty compared to Alliance United. People who live in suburban areas pay around 21% less with First American Property & Casualty compared to Alliance United. For policyholders in urban ZIP codes, First American Property & Casualty's average rates are about 25% less than Alliance United.

Alliance United vs. First American Property & Casualty 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. That's where auto insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Alliance United and First American Property & Casualty so that you can see which carrier can save you the most money each month.

First American Property & Casualty knocks Alliance United out of the park when it comes to the sheer number of discounts available, offering 10 different discounts to Alliance United's 10.

Both carriers offer many of the same discounts -- like discounts for being a good driver and renewal discounts -- but First American Property & Casualty also offers discounts for anti-theft, distant student, good student, and more.

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

Final Thoughts: Is Alliance United or First American Property & Casualty Best for You?

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

First American Property & Casualty might be best for you if....

• You will be the only person on the auto insurance policy.
• You're looking for the carrier with the most discounts.
• You want to save money while purchasing car insurance for a teenager.

Alliance United might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Alliance United and First American Property & Casualty. We also hope we've given you the information you need to make the best decision about 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 auto insurance -- comparing quotes from multiple carriers, not just Alliance United and First American Property & Casualty. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Alliance United vs. First American Property & Casualty FAQs

Is Alliance United or First American Property & Casualty cheaper?

First American Property & Casualty is the more affordable of the two carriers when looking at national average premiums, with policies averaging $167 per month with First American Property & Casualty and $225 for Alliance United. But that doesn't mean First American Property & Casualty will be the most affordable company for each driver, since there are multiple different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Alliance United or First American Property & Casualty?

Unfortunately, the answer truly is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Alliance United and First American Property & Casualty offer me different rates?

Auto insurance companies use lots of different factors when calculating the rates they charge. Variables such as where you park your car, age, where you live, gender, and sometimes even things like your credit score can all come into play. Both Alliance United and First American Property & Casualty calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Alliance United or First American Property & Casualty is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. That way, 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 First American Property & Casualty 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.