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

If you're in the market for a new car insurance policy, you might be wondering how Pure and Alliance United compare when it comes to the cheapest rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, Alliance United offers significantly cheaper prices than Pure
  • Alliance United tends to be a much more affordable option for policyholders who drive fewer than 6,000 miles yearly
  • Pure may help you save more money -- they offer more discounts than Alliance United

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

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

Alliance United Pure

As you can see, Pure has average rates that are around 30% a month more expensive than those from Alliance United when looking at the national average rates for insurance.

Even so, that doesn't mean Alliance United will necessarily be less expensive than Pure for every driver. Auto insurance carriers vary their premiums depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and a ton of other factors, so rates could differ drastically from person to person.

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

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

State Alliance United Pure

Both Alliance United and Pure only offer car insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. Alliance United drivers tend to pay about $106 per month less on average compared to drivers who use Pure for their auto insurance.

Typically, where you live will play a huge 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 Pure. Read on to find out more.

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Which is the Best Company For Young Drivers?

Alliance United Pure
18-year-old drivers$422$722
25-year-old drivers$229$319

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of 40% less a month by choosing Alliance United over Pure.

That being said, with both companies, you'll see your prices lower significantly by the time drivers turn 25. For example, average rates for Alliance United policyholders decrease about $200 and Pure's premiums drop around $400 over that time.

Which is the Best Company for Retired Drivers?

Alliance United Pure
65+-year-old drivers$194$234

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever find.

So, which company offers the best prices to retired drivers? Alliance United gets the edge, with premiums for drivers 65 and older over 15% more affordable than the national average for Pure.

Which is the Best Company for Married Drivers?

Alliance United Pure

Those who are single tend to get offered slightly more expensive insurance rates than married policyholders. That's because policies for married drivers normally cover multiple vehicles, which a lot of carriers will give you a discount for.

For single policyholders, the difference in average premiums between these two companies is significant, with Alliance United prices coming in at a third less than Pure's. The advantage for married couples with Alliance United is also obvious, where drivers save almost 25% per month.

Alliance United or Pure: Average Rates by Gender

Alliance United Pure

Men are statistically more likely than women to get pulled over for speeding or get into a collision. That means when it comes to auto insurance men will generally end up paying a little more.

Men and women get the same monthly premiums with Alliance United; men and women end up paying the same monthly prices with Pure.

When it comes to the lowest rates for each gender, Alliance United comes out as the cheapest option for both genders, with average prices 32% less for men and 32% cheaper for women.

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Alliance United vs. Pure: Compare State Minimum vs. Full Coverage Rates

Alliance United Pure
State Minimum*$102$134
Full Coverage**$349$528

*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 can be a complicated subject for most people. There are several different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

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 a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

Looking specifically at state minimum liability insurance, Alliance United has the edge, with average monthly premiums coming in at $102. If you want a full coverage policy with the same state minimum limits, Alliance United again has the edge, with policies averaging about $349 a month to Pure's $528.

Is Alliance United or Pure 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 collisions on your record, but which of these two carriers offers the lowest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United Pure
Clean Record$139$202
1 Speeding Ticket$185$282

Policyholders who use Alliance United for their car insurance can typically expect their monthly bill to go up around 25% after getting a speeding ticket. Pure policyholders can expect a bit more drastic of an increase of about 28%.

But Alliance United has less expensive prices for drivers in both categories. With Alliance United, drivers with a clean record can save around $63 per month and drivers with a ticket can save about $97 a month.

Which Company is Best for Drivers After an Accident?

Alliance United Pure
Clean Record$139$202
1 At-Fault Accident$289$352

Both companies will raise rates pretty significantly if you get into an at-fault collision with Pure increasing by around 43%. Alliance United has a less extreme increase, but you can still expect to pay more than 50% more than you were prior to your first accident.

At the end of the day, the cheaper premiums come from Alliance United, with average rates coming in at $289 compared to PURE Insurance's $352.

Which Company is Best for Drivers with a DUI?

Alliance United Pure
Clean Record$139$202
1 DUI$289$489

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than an accident or speeding ticket. Pure drivers usually see a 59% increase in their car insurance prices after a DUI charge, while Alliance United will normally climb premiums by about 52%.

But if you end up with a DUI charge and are looking for more affordable rates, Alliance United tends to be less expensive for the average driver, with monthly premiums coming in at around $289 to Pure's $489.

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How does Credit Score Impact Alliance United and Pure Rates?

Did you know many insurance carriers take your credit score into account when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it might come into play for lots of drivers.

The reasoning auto 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 more affordable premiums.

So, which carrier offers the best prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Alliance United Pure
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

Alliance United Pure
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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

Alliance United Pure
6,000 Annual Miles$214$275
12,000 Annual Miles$237$387

How much you drive can have a large impact on your monthly car insurance bill. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Alliance United offers cheaper rates than Pure. Alliance United average premiums for drivers with 6,000 annual miles come in more than $60 less expensive than Pure. Those who drive 12,000 miles annually can expect to pay $150 less with Alliance United over Pure.

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

Alliance United Pure
Urban Areas$230$371
Suburban Areas$239$313
Rural Areas$206$308

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

In urban areas, Alliance United's average premiums are about $230 while Pure offers rates around $371. People in suburban areas pay about $239 with Alliance United compared to Pure's $313 per month. Those in rural areas can expect to pay around $206 monthly with Alliance United compared to Pure's $308.

Alliance United vs. Pure 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, and the best way to do that is by utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to find all the ones you qualify for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Alliance United and Pure offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Alliance United Pure
ABS Discount 
Anti-Theft Discount 
Defensive Driver Discount 
Distant Student Discount 
Good Driving Discount
Good Student Discount 
Mature Driver Discount 
Multi-Car Discount 
Multi-Policy Discount 
Occasional Operator Discount 
Passive Restraint Discount 
Renewal Discount 

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

A couple of those are overlapping for things like discounts for being a good driver. Pure also offers discounts for ABS, anti-theft, distant student, and more.

On the other hand, Alliance United has a few proprietary discounts of their own like defensive driver discounts and renewal discounts.

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

So, you've seen how different factors can affect your auto insurance prices. We've broken down the different 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?

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

  • You will be the only person on the car insurance policy.
  • You want the most robust protection via a "full coverage" policy.
  • You are purchasing your insurance with a spouse.

Pure might be best for you if...

  • You're looking for the company with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Alliance United and Pure and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Alliance United and Pure. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

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Alliance United vs. Pure FAQs

Is Alliance United or Pure cheaper?

Alliance United is the cheaper of the two companies when looking at national average premiums, with policies averaging $225 per month with Alliance United and $331 for Pure. However, that doesn't mean Alliance United will be the most affordable carrier for everyone, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Alliance United or Pure?

Unfortunately, the real answer is "it depends.". No one company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Alliance United and Pure offer me different rates?

Insurance carriers use several different factors when calculating the prices they charge. Variables like where you live, where you call home, gender, age, and sometimes even things like your credit score can all come into play. Both Alliance United and Pure calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top auto insurance companies for free. With those, you can guarantee you're getting the most affordable rate. And maybe you'll find that the best carrier for you isn't Alliance United or Pure at all, but another you hadn't even thought of!


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.

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