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

Quick Facts

• Based on national averages for auto insurance, Wawanesa offers significantly more affordable premiums than Alliance United
• Alliance United offers more discounts than Wawanesa Insurance
• Wawanesa tends to be a much less expensive option for drivers with a DUI charge on their record

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Alliance United or Wawanesa for your next policy, but between the two, which one will offer you cheaper rates?

Looking at the national average rates for both companies, Wawanesa has average rates that are about 55% per month less expensive than those from Alliance United.

Even so, that doesn't necessarily mean Wawanesa will be the more affordable option for every single driver. Insurance carriers vary their prices depending on things like where you live, how good your credit score is, how old you are, how clean your driving record is, and all sorts of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

So, if you want to find out which of Alliance United or Wawanesa is really the best for you, keep reading to see average premiums for each company broken down by a bunch of different rate factors.

Alliance United or Wawanesa: Average Car Insurance Rates by State

Both Alliance United and Wawanesa only offer car insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Wawanesa offers insurance for $104 a month on average. Alliance United's average prices come out to be over 70% more expensive, at $225 monthly.

Typically, where you live will play a big role in how much you pay for auto insurance, but since both companies only do business in California, lots of other factors will come into play when you compare Alliance United and Wawanesa. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. Normally, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, 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 more than $250 less a month by choosing Wawanesa over Alliance United.

That being said, with both companies, you'll see your rates lower significantly by the time you turn 25. Wawanesa offers the steepest reduction, with 25-year-olds paying a third less what 18-year-old drivers are charged. Alliance United's average premiums drop over 45% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable insurance rates you'll ever see. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase prices.

So, which carrier offers the best rates to retired drivers? Wawanesa gets the edge, with premiums for drivers 65 and older more than 55% cheaper than the national average for Alliance United.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually less expensive for married policyholders than they are for single drivers? That's because policies for married couples typically cover several cars, which several carriers will offer you a discount for.

When it comes to relationship status, Wawanesa is the clear winner for those who are single, with rates around $131 per month cheaper than Alliance United, on average. The advantage for married drivers with Wawanesa is also obvious, where drivers save over 55% a month.

Alliance United vs. Wawanesa: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they raise the chances of filing a claim with insurance. Therefore, men usually pay more for insurance than women.

With Alliance United, everyone ends up paying the same monthly prices regardless of gender; everyone gets the same monthly premiums regardless of gender with Wawanesa.

Looking at overall affordability, Wawanesa comes out as the lowest option for both genders, with average rates 54% less for men and 54% cheaper for women.

Alliance United or Wawanesa: 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 can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability).

If you're looking for state minimum liability limits, Wawanesa normally offers significantly more affordable premiums of $64 compared to Alliance United's $102. When it comes to full coverage policies with similar limits, Wawanesa again has the edge, with policies about $200 per month less expensive than Alliance United, on average.

Is Alliance United or Wawanesa Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that at-fault collisions and tickets lead to higher prices, but which company -- Alliance United or Wawanesa -- has the cheapest premiums for drivers with spotty 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 Wawanesa generally raises rates around $31 per month, on average.

However, Wawanesa tends to offer the best prices for drivers both with a speeding ticket and with a clean record -- their rates are around 47% more affordable for drivers with clean records and 43% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Alliance United drivers who get in a collision can expect to see their prices increase by $150, while those who have insurance through Wawanesa will see about a $40 increase.

Overall, Wawanesa offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly rates averaging $113 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. On average, Alliance United will increase your premiums around 52% after a DUI, while Wawanesa's average rates rise by over 40%.

If you have a DUI on your record and are looking for more affordable prices, Wawanesa tends to be the much more affordable option with average premiums of $125 per month compared to $289 from Alliance United.

How does Credit Score Impact Alliance United and Wawanesa Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly car insurance prices. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for many policyholders.

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

So, which carrier offers the cheapest rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Alliance United or Wawanesa 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 large impact on your monthly car insurance bill? That's because the fewer miles you put on your vehicle each year, the less likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Wawanesa offers cheaper prices than Alliance United. Wawanesa's average premiums for drivers with 6,000 annual miles come in about 54% less expensive than Alliance United. Those who drive 12,000 miles yearly can expect to pay around 53% less with Wawanesa over Alliance United.

Alliance United vs. Wawanesa: 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 substantial impact as well. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the road in those areas, which increases the chances of an accident.

When comparing these two carriers side-by-side, Wawanesa generally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Wawanesa offers prices about $114 monthly compared to Alliance United's $230. People who live in suburban ZIP codes can expect to pay around $105 a month for Wawanesa and $239 for Alliance United. Lastly, those in rural areas tend to get the lowest rates from both companies, with average monthly premiums coming in at $95 and $206 for Wawanesa and Alliance United respectively.

Alliance United vs. Wawanesa Discounts

Regardless of 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 possible. That's where insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you're eligible for.

In the table below, we've compared all of the different discounts offered by Alliance United and Wawanesa so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Alliance United comes out ahead with three discounts to Wawanesa's two.

A couple of those are overlapping for things like discounts for being a good driver. Alliance United also offers defensive driver discounts and renewal discounts that Wawanesa does not.

On the flip side, Wawanesa has a unique discount of its own -- a mature driver discounts.

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

So, you've seen how different factors can affect your car insurance prices. We've broken down the different discounts each carrier offers, too. But, at the end of the day, which company is the best fit for you?

Wawanesa might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Alliance United might be best for you if...

• You're looking for discounts -- Alliance United has the most.

We hope this guide helps you get a good idea of the differences between Alliance United and Wawanesa and that you can now make a more informed decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on insurance -- comparing quotes from several carriers, not just Alliance United and Wawanesa. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Alliance United vs. Wawanesa FAQs

Is Alliance United or Wawanesa cheaper?

Looking just at the national average premiums, Wawanesa is the cheaper of the two carriers, offering average rates of $104 per month compared to $225 for Alliance United. Even so, Wawanesa won't necessarily be the cheapest carrier for every driver, since there are multiple different variables that come into play when it comes to your auto insurance payment.

Who is better, Alliance United or Wawanesa?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for each driver -- it all comes down to what your unique insurance profile looks like.

Why do Alliance United and Wawanesa offer me different rates?

Auto insurance companies take a look at a lot of different factors when calculating the rates they charge drivers. Things like where you live, where you park your vehicle, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Alliance United and Wawanesa use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies 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 free quotes from dozens of the best auto insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Alliance United or Wawanesa 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.