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

Quick Facts

• Based on national averages for car insurance, GEICO offers less expensive premiums than Alliance United
• GEICO tends to be a much more affordable option for policyholders who drive fewer than 6,000 miles yearly
• GEICO offers cheaper average prices for policyholders who live in urban areas

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

Are you considering a new insurance policy? With so many ads from all sorts of companies offering huge savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Alliance United or GEICO for your next policy, but between the two, which carrier will offer you more affordable rates?

Looking at nationwide averages, GEICO is around $40 a month less expensive than Alliance United.

But that doesn't necessarily mean GEICO will be the cheaper option for every single driver. Insurance carriers use tons of complex algorithms to determine premiums, so depending on how old you are or where you live (among a lot of other factors), you could see wildly different rates from the ones above.

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

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

Alliance United and GEICO only compete against each other in California, where GEICO offers the cheaper average premiums. GEICO drivers tend to pay about $83 per month less on average compared to drivers who use Alliance United for their car insurance.

There are plenty of other factors that go into your auto insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use GEICO save almost 15% a month compared to those who use Alliance United.

Even so, with both companies, you'll see your prices decrease significantly by the time drivers turn 25. For example, average premiums for Alliance United policyholders drop about $200 and GEICO's rates lower around $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the most affordable auto insurance premiums out there. 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 GEICO? GEICO gets the edge, with prices for drivers 65 and older nearly 25% more affordable than the national average for Alliance United.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be less expensive for married policyholders than they are for single policyholders. That's usually because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average premiums between these two carriers is significant, with GEICO prices coming in at about 15% less than Alliance United's. The advantage for married drivers with GEICO is also obvious, where drivers save almost $40 per month.

Alliance United or GEICO: Average Rates by Gender

Did you know men generally pay more for car insurance than women? That's because women are less likely to get tickets and get into collisions, which decreases the chances of filing a claim with insurance.

Women and men end up paying same monthly rates with Alliance United, and around $8 less with GEICO.

Looking at overall affordability, GEICO comes out on top for both men and women. On average, male drivers save about $36 a month and women save about $44 with GEICO compared to the average Alliance United policyholder.

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

The two most common policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum limits for liability insurance, GEICO has the slight edge, with average monthly premiums coming in at $101. If you want a full coverage policy with the same state minimum limits, GEICO again has the edge, with policies averaging around $269 per month to Alliance United's $349.

Is Alliance United or GEICO 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.

It's no secret secret that collisions and speeding tickets lead to higher prices, but which carrier -- Alliance United or GEICO -- has the lowest premiums for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Alliance United for their auto insurance can typically expect their monthly bill to go up about 25% after getting a speeding ticket. GEICO policyholders can expect a less drastic increase of around 23%.

That being said, GEICO has cheaper rates for drivers in both categories, offering prices that are $24 and $35 less expensive, respectively, compared to Alliance United.

Which Company is Best for Drivers After an Accident?

Alliance United drivers who get in an accident can expect to see their premiums increase by over 50%, while those who have insurance through GEICO will see about a 45% increase.

At the end of the day, drivers who use GEICO end up with the cheaper prices after an accident, with average rates coming in at $200 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 ticket or even a collision. On average, GEICO will climb your premiums around 58% after a DUI, while Alliance United's average prices climb by more than 50%.

How does Credit Score Impact Alliance United and GEICO Rates?

Did you know many insurance companies take into account your credit score when determining rates? This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it might come into play for lots of policyholders.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which company offers the cheapest premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Normally, if you have great credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will normally save GEICO customers about $35. 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?

If you have bad credit, it can cost you with GEICO. If your credit score is in the "poor" range, at GEICO, you may pay around $55 more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Alliance United, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with Alliance United over GEICO.

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

Did you know that the amount of time you spend in your car have a big impact on your monthly rates? Usually, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, GEICO offers cheaper premiums than Alliance United. Alliance United average rates for drivers with 6,000 annual miles come in about $33 more expensive than GEICO. Those who drive 12,000 miles every year can expect to pay around $48 more with Alliance United over GEICO.

Alliance United or GEICO: 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 auto insurance, but the type of area you live in can have a considerable impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

GEICO tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, GEICO's average prices are about $211 while Alliance United offers rates around $230. People in suburban areas pay a monthly price of about $185 with GEICO compared to $239 with Alliance United. If you live in a rural area, you can expect to pay around $159 monthly with GEICO and $206 with Alliance United.

Alliance United vs. GEICO Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you can take advantage of.

Luckily, we did the hard work for you and compared all of the different discounts offered by Alliance United and GEICO so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

GEICO blows Alliance United away when it comes to the sheer amount of discounts available, offering 28 different discounts to Alliance United's three.

A couple of those are overlapping for things like discounts for being a defensive driver and discounts for being a good driver. GEICO also offers discounts for ABS, anti-theft, commercial drivers license, and more.

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

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

So, we've broken down the average premiums for many of the variables insurance companies 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 company for you and your specific needs?

GEICO might be best for you if....

• You've been pulled over for speeding recently.
• Your home is in a busy urban area.
• You're of retirement age and want to take advantage of lower rates.

Alliance United might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Alliance United and GEICO. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Alliance United and GEICO. 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 companies in your area, all in just a few minutes.

Alliance United vs. GEICO FAQs

Is Alliance United or GEICO cheaper?

GEICO is the less expensive of the two carriers when looking at national average prices, with policies averaging $185 per month with GEICO and $225 for Alliance United. Even so, that doesn't mean GEICO will be the cheapest company for each policyholder, since there are lots of different factors that come into play when it comes to your car insurance bill.

Who is better, Alliance United or GEICO?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Alliance United and GEICO offer me different rates?

Insurance companies use several different variables when calculating the premiums they charge. Factors like gender, age, your driving record, where you call home, and sometimes even things like your credit score can all be used. Both Alliance United and GEICO 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 GEICO is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of 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 auto insurance carriers for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Alliance United or GEICO 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.