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

Quick Facts

• Looking at the national averages for car insurance, United Financial Casualty Company offers significantly less expensive premiums than Alliance United
• United Financial Casualty Company tends to be a much more affordable option for drivers who have below-average credit
• United Financial Casualty Company offers cheaper average rates for single people who will be the only person on the insurance policy

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

Are you considering 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 United Financial Casualty Company as potential options, but which carrier has more affordable premiums for auto insurance?

Looking at nationwide averages, Alliance United is quite a bit more expensive than United Financial Casualty Company, with rates averaging $225 a month compared to just $133 with United Financial Casualty Company.

However, that doesn't necessarily mean United Financial Casualty Company will be the less expensive option for each driver. Car insurance carriers use all sorts of complex algorithms to determine prices, so depending on how clean your driving record is or how good your credit score is (among quite a few other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Alliance United or United Financial Casualty Company is really the best for you, keep reading to see average rates for each carrier broken down by a variety of different rate factors.

Alliance United vs. United Financial Casualty Company: Average Car Insurance Rates by State

Alliance United and United Financial Casualty Company only compete against each other in California, where United Financial Casualty Company offers the cheaper average prices. United Financial Casualty Company drivers tend to pay about $99 per month less on average compared to drivers who use Alliance United for their auto insurance.

That being said, there's a lot more that goes into your insurance payment than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car 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.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of almost 20% less a month by choosing United Financial Casualty Company over Alliance United.

But both companies will lower rates by the time you turn 25. For example, average prices for Alliance United policyholders drop over 45% and United Financial Casualty Company's premiums reduce more than 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the most affordable insurance prices out there. After all, they've likely been driving for quite some time, which normally reduces their chances of collisions and other infractions that can raise premiums.

When looking at Alliance United and United Financial Casualty Company specifically, which company is best for retired drivers? United Financial Casualty Company gets the edge here, with average rates coming in at around $95 a month compared to Alliance United's $194.

Which is the Best Company for Married Drivers?

Did you know that car insurance prices are generally 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 vehicle, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with United Financial Casualty Company rates coming in at a third less than Alliance United's. For married drivers, the advantage is clear again - United Financial Casualty Company has the edge when it comes to average premiums.

Alliance United or United Financial Casualty Company: Average Rates by Gender

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

With Alliance United, both genders end up paying the same monthly price, and about $2 with United Financial Casualty Company.

Looking at the data for each carrier specifically, United Financial Casualty Company offers the cheapest average prices for both men and women, with average rates $91 less for men and $93 cheaper for women.

Alliance United vs. United Financial Casualty Company: 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 so many different limits and terms that it can make it pretty confusing to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with liability).

Looking specifically at state minimum liability limits, United Financial Casualty Company has the edge, with average monthly premiums coming in at $79. If you want a full coverage policy with the same state minimum limits, United Financial Casualty Company again has the edge, with policies averaging around $187 per month to Alliance United's $349.

Is Alliance United or United Financial Casualty Company 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.

Speeding tickets and accidents will most likely raise your prices, but is Alliance United or United Financial Casualty Company cheaper 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 generally expect their monthly bill to go up about 25% after getting a speeding ticket. United Financial Casualty Company policyholders can expect a less drastic increase of around 25%.

Even so, United Financial Casualty Company tends to offer the best prices for both drivers who have clean records and those with a recent ticket -- their rates are around 26% more affordable for drivers with clean records and 26% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Alliance United raising by about 52%. United Financial Casualty Company has a less extreme climb, but you can still expect to pay nearly 35% more than you were prior to your first accident.

At the end of the day, drivers who use United Financial Casualty Company end up with the cheaper prices after an accident, with average prices coming in at $158 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 car 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, United Financial Casualty Company tends to be cheaper for the average driver, with monthly premiums coming in at around $134 to Alliance United's $289.

How does Credit Score Impact Alliance United and United Financial Casualty Company Rates?

Did you know many insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it does affect a lot of drivers out there.

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

Looking at Alliance United and United Financial Casualty Company specifically, which company has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Generally, if you have stellar credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will normally save United Financial Casualty Company customers about 15%. 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?

Having bad credit generally means you'll also see higher premiums with United Financial Casualty Company. For drivers with less-than-stellar credit, at United Financial Casualty Company, you may pay around $30 per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when 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 United Financial Casualty Company.

Is Alliance United or United Financial Casualty Company 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 considerable impact on how much insurance carriers will charge for coverage? Usually, those who drive fewer miles will end up with less expensive prices since there's less of a chance of causing a collision and filing an insurance claim.

For both remote workers and those taking short commutes, United Financial Casualty Company tends to be the more affordable option. Alliance United average rates for drivers with 6,000 annual miles come in about $83 more expensive than United Financial Casualty Company. Those who drive 12,000 miles yearly can expect to pay around $102 more with Alliance United over United Financial Casualty Company.

Alliance United or United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a large role in how much you pay for car insurance. Typically, 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.

United Financial Casualty Company tends to offer the most affordable rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $81 with United Financial Casualty Company compared to Alliance United. People who live in suburban areas pay around $105 less with United Financial Casualty Company compared to Alliance United. For drivers in urban ZIP codes, United Financial Casualty Company's average premiums are about $91 less than Alliance United.

Alliance United vs. United Financial Casualty Company Discounts

No matter why you might be in the market for a new auto 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 difficult to find all the ones you can take advantage of 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 broke down all of the different discounts offered by both Alliance United and United Financial Casualty Company so that you can easily see which company offers the most discounts and, therefore, the largest savings.

United Financial Casualty Company knocks Alliance United out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than Alliance United.

Both companies offer lots of the same discounts -- like discounts for being a defensive driver and discounts for being a good driver -- but United Financial Casualty Company also offers discounts for anti-theft, continuous insurance, distant student, and more.

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

Final Thoughts: Is Alliance United or United Financial Casualty Company Best for You?

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, is Alliance United or United Financial Casualty Company the right one for you, your vehicle, and your wallet?

United Financial Casualty Company might be best for you if....

• Your driving record includes a DUI charge.
• You're looking for the best prices on liability only coverage.
• 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 helps you get a good idea of the differences between Alliance United and United Financial Casualty Company and that you can now make a more informed decision when it comes to your 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 a handful of companies, not just Alliance United and United Financial Casualty Company. Luckily, Compare.com makes 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. United Financial Casualty Company FAQs

Is Alliance United or United Financial Casualty Company cheaper?

United Financial Casualty Company is the cheaper of the two companies when looking at national average premiums, with policies averaging $133 a month with United Financial Casualty Company and $225 for Alliance United. That being said, that doesn't mean United Financial Casualty Company will be the cheapest carrier for each policyholder, since there are multiple different factors that come into play when it comes to your insurance cost.

Who is better, Alliance United or United Financial Casualty Company?

Sadly, the answer truly is "it depends.". Neither company is "better" for every policyholder -- it all comes down to what your unique car insurance profile looks like.

Why do Alliance United and United Financial Casualty Company offer me different rates?

Insurance carriers use quite a few different variables when calculating the rates they charge. Things like where you call home, gender, age, where you live, and sometimes even things like your credit score can all be used. Both Alliance United and United Financial Casualty Company calculate prices using different formulas, so it's likely they'll offer different rates. 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 United Financial Casualty Company is right for me?

The only way to find the auto 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, Compare.com does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Alliance United or United Financial Casualty Company 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.