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

Quick Facts

• Looking at the national averages for insurance, Alliance United offers more affordable premiums than The Hartford
• Alliance United offers more affordable prices for drivers who have received a ticket within the last few years
• The Hartford offers less expensive average premiums for drivers who have an at-fault accident on their record

Alliance United vs. The Hartford: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Alliance United or The Hartford, but which one will offer you cheaper prices?

Looking at nationwide averages, Alliance United is about $40 per month less expensive than The Hartford.

Even so, that doesn't mean Alliance United will necessarily be more affordable than The Hartford for every single driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, where you call home, your age, or even your driving record (among other things), so rates will vary quite a bit from person to person.

Wanting to know if Alliance United or The Hartford 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 or The Hartford: Average Car Insurance Rates by State

Both Alliance United and The Hartford only offer insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Alliance United offers car insurance for $225 per month on average. The Hartford's average premiums come out to be over 15% more expensive, at $265 monthly.

Typically, where you call home will play a big role in how much you pay for insurance, but since both companies only do business in California, a whole range of other factors will come into play when you compare Alliance United and The Hartford. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But 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 Alliance United for their auto insurance pay nearly $15 less than those who use The Hartford.

That being said, with both carriers, you'll see your premiums lower significantly by the time drivers turn 25. For example, average rates for Alliance United policyholders decrease more than 45% and The Hartford's prices reduce over 30% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Alliance United and The Hartford specifically, which carrier is best for retired drivers? The Hartford gets the slight edge here, with average prices coming in at around $192 a month compared to Alliance United's $194. However, the difference is only about 5%, so other variables (such as your credit score or your driving record) will likely come into play when determining which company has the most affordable premiums for you.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Alliance United is the clear winner for those who are single, with rates around $43 a month cheaper than The Hartford, on average. The advantage for married drivers with Alliance United is also obvious, where drivers save almost $35 per month.

Alliance United vs. The Hartford: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll generally end up paying more for insurance than women.

Men and women get the same monthly prices with Alliance United; women and men get the same monthly premiums with The Hartford.

Looking at overall affordability, Alliance United comes out as the cheapest option for both genders. On average, male drivers save about $40 a month and women save about $40 with Alliance United compared to the average The Hartford policyholder.

Alliance United or The Hartford: 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, auto insurance isn't the easiest topic to understand. There are a range of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

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

If you're looking for state minimum liability limits, Alliance United normally offers more affordable rates of $102 compared to The Hartford's $135. When it comes to full coverage policies with similar limits, Alliance United again has the edge, with policies around $45 per month cheaper than The Hartford, on average.

Is Alliance United or The Hartford Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great premiums 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 tickets and at-fault accidents on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United policyholders can expect their prices to go up an average of $46 a month if they get a ticket, while The Hartford usually raises rates about $71 per month, on average.

If you have a clean record, The Hartford tends to offer the best prices at around 9% less expensive, while Alliance United has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Alliance United can expect to see about an $150 -- or around 52% -- increase in their auto insurance premiums. Drivers who use The Hartford for their car insurance will see a monthly bill about $136 (or 52%) more expensive after reporting a collision to their insurance carrier.

Overall, the cheaper rates come from The Hartford, with monthly prices averaging $262 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 ticket when it comes to your auto insurance bill. The Hartford drivers usually see a 73% climb in their insurance premiums after a DUI charge, while Alliance United will generally raise rates by around 52%.

If you have a DUI on your record and are looking for more affordable prices, Alliance United tends to be the much more affordable option with average premiums of $289 per month compared to $474 from The Hartford.

How does Credit Score Impact Alliance United and The Hartford Rates?

Did you know that many car insurance companies take your credit score into account when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

Auto insurance companies argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at Alliance United and The Hartford specifically, which company has the best rates for policyholders 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 The Hartford Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on how much car insurance carriers will charge for coverage. That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Alliance United offers less expensive premiums than The Hartford. Alliance United average rates for drivers with 6,000 annual miles come in just under $25 more affordable than The Hartford. Those who drive 12,000 miles yearly can expect to pay $55 less with Alliance United over The Hartford.

Alliance United vs. The Hartford: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for auto insurance. Usually, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the roads in those areas.

Alliance United boasts the cheapest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Alliance United offers premiums about $230 monthly compared to The Hartford's $273. People who live in suburban ZIP codes can expect to pay around $239 a month for Alliance United and $265 for The Hartford. Lastly, those in rural areas tend to get the most affordable prices from both companies, with average monthly rates coming in at $206 and $255 for Alliance United and The Hartford respectively.

Alliance United vs. The Hartford Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

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 qualify for.

In the section below, we've taken a look at all of the different discounts Alliance United and The Hartford offer their customers so that you can see which carrier can save you the most money each month.

The Hartford knocks Alliance United out of the park when it comes to the sheer number of discounts available, offering 13 different discounts to Alliance United's 13.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, and renewal discounts. The Hartford also offers ABS discounts, anti-theft discounts, distant student discounts, and more that Alliance United does not.

Alliance United's discounts come through just three categories -- Defensive Driver, Good Driving, and Renewal Discount.

Final Thoughts: Is Alliance United or The Hartford Best for You?

So, we've broken down the average prices for many of the factors insurance carriers look at, and walked through the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the right fit for you?

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

• You want basic car insurance coverage at the state minimum limits.
• Your neighborhood is in the suburbs.
• You're married and plan to have both of your names on the vehicle's insurance policy.

The Hartford might be best for you if...

• You have an at-fault accident on your record.
• You're looking for the company with the most discounts.
• You are over 65 years old and want to save some money on your auto insurance.

We hope this guide helps you get a good idea of the differences between Alliance United and The Hartford 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 The Hartford. Luckily, sites like Compare.com do all the hard work for you. Just 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. The Hartford FAQs

Is Alliance United or The Hartford cheaper?

Looking just at the national average premiums, Alliance United is the less expensive of the two companies, offering average rates of $225 per month compared to $265 for The Hartford. Even so, Alliance United won't necessarily be the lowest carrier for everyone, since there are multiple different variables that come into play when it comes to your insurance payment.

Who is better, Alliance United or The Hartford?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all boils down to your unique car insurance profile. For example, Alliance United offers cheaper rates for single drivers, while The Hartford is less expensive for drivers who have already retired.

Why do Alliance United and The Hartford offer me different rates?

Auto insurance carriers take a look at a lot of different factors when determining the premiums they charge policyholders. Variables like your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Alliance United and The Hartford calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see 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 The Hartford 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 information once and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Alliance United or The Hartford at all!

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.