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

Quick Facts

• Looking at the national averages for insurance, State National offers significantly more affordable prices than Alliance United
• State National has cheaper rates for policyholders who live in suburban areas
• State National offers more affordable prices for policyholders who live in urban areas

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

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

You might have narrowed it down to Alliance United or State National, but which carrier will offer you less expensive rates?

Looking at the national average rates for both carriers, Alliance United has average rates that are around 30% a month more expensive than those from State National.

But State National may not be the cheapest or best option for each driver out there. Auto insurance companies vary their premiums depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and a ton of other factors, so rates could change drastically from person to person.

So, if you want to find out which of Alliance United or State National 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. State National: Average Car Insurance Rates by State

Both Alliance United and State National only offer insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. State National drivers tend to pay about $66 per month less on average compared to drivers who use Alliance United for their car insurance.

Typically, where you call home will play a large role in how much you pay for auto insurance, but since both companies only do business in California, a whole range of other variables will come into play when you compare Alliance United and State National. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any group on the road. It's typically because teen 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 prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of over 25% less a month by choosing State National over Alliance United.

That being said, with both carriers, you'll see your rates lower significantly by the time you turn 25. For example, average premiums for Alliance United policyholders drop more than 45% and State National's prices reduce over 50% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Alliance United and State National specifically, which company is best for retired drivers? State National gets the edge, with rates for drivers 65 and older $76 more affordable than the national average for Alliance United.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are normally less expensive for married couples than they are for those who are single? That's usually because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For single drivers, the difference in average premiums between these two companies is significant, with State National prices coming in at a quarter less than Alliance United's. The advantage for married drivers with State National is also obvious, where drivers save more than 30% per month.

Alliance United or State National: Average Rates by Gender

Because women are less likely to get into accidents and get tickets, they are less likely to file a claim with insurance. So, insurance carriers will often charge women less than men.

Women and men end up paying same monthly rates with Alliance United; men and women end up paying the same monthly premiums with State National.

Looking at the data for each carrier specifically, State National comes out on top for both men and women. On average, women save about $66 a month and men save about $66 with State National compared to the average Alliance United policyholder.

Alliance United vs. State National: 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. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

However, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, State National has the edge, with average monthly prices coming in at $79. If you want a full coverage policy with the same state minimum limits, State National again has the edge, with policies averaging around $240 per month to Alliance United's $349.

Is Alliance United or State National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

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

Even so, State National tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are $37 and $43 cheaper, respectively, compared to Alliance United.

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 insurance prices. Drivers who use State National for their car insurance will see a monthly bill about $40 (or 28%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, the more affordable premiums come from State National, with average prices coming in at $142 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, State National increases average rates by $150 a month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, State National tends to be less expensive for the average driver, with monthly premiums coming in at around $252 to Alliance United's $289.

How does Credit Score Impact Alliance United and State National Rates?

Did you know many auto insurance companies take into account your credit score when determining rates? This isn't true for everyone (for example, Hawaii and California are two states that ban the practice entirely), but it does affect quite a few drivers out there.

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, policyholders with bad credit will often be forced to pay more.

Looking specifically at State National and Alliance United, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Alliance United or State National 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 payment. Usually, the more milage you put on your car, the more you can expect to pay for auto insurance.

For both remote workers and those taking short commutes, State National tends to be the cheaper option. Alliance United's average premiums for drivers with 6,000 annual miles come in nearly $75 more expensive than State National. Those who drive 12,000 miles annually can expect to pay just under $60 more with Alliance United over State National.

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

Where your home is can play a considerable role in how much you pay for insurance. Typically, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads where they live.

State National boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about $63 with State National compared to Alliance United. People who live in suburban areas pay around $76 less with State National compared to Alliance United. For policyholders in urban ZIP codes, State National's average premiums are about $57 less than Alliance United.

Alliance United vs. State National 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, and the best way to do that is by taking advantage of as many auto insurance discounts as possible.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by Alliance United and State National so that you can find the company that has the most discounts and, therefore, the largest savings.

State National blows Alliance United away when it comes to the sheer amount of discounts available, offering 10 different discounts to Alliance United's three.

There are a couple discounts both companies offer, but State National also offers discounts for anti-theft, auto-pilot, distant 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 State National Best for You?

So, we've broken down the average prices for many of the factors insurance carriers look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, is Alliance United or State National the right fit for you?

State National might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for the company with the most discounts.
• You live in a rural neighborhood.

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 State National and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Alliance United and State National. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Alliance United vs. State National FAQs

Is Alliance United or State National cheaper?

State National is the more affordable of the two companies when looking at national average rates, with policies averaging $159 per month with State National and $225 for Alliance United. That being said, that doesn't mean State National will be the lowest carrier for every policyholder, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Alliance United or State National?

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

Why do Alliance United and State National offer me different rates?

Auto insurance carriers use several different factors when calculating the prices they charge. Things such as age, your driving record, gender, where you park your car, and sometimes even things like your credit score can all come into play. Both Alliance United and State National calculate rates using different variables, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code 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 carrier for you isn't Alliance United or State National 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.