Alliance United vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Workmen's Auto offers significantly cheaper prices than Alliance United
• Workmen's Auto offers more affordable premiums for residents of rural areas
• Workmen's Auto tends to be a much more affordable option for residents of urban areas

Alliance United vs. Workmen's Auto: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering considerable discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Alliance United or Workmen's Auto, but which company will offer you less expensive prices?

Looking at nationwide averages, Workmen's Auto is quite a bit cheaper than Alliance United, with rates averaging $151 per month compared to $225 with Alliance United.

That being said, Workmen's Auto may not be the cheapest or best option for every single driver out there. Insurance companies use a ton of complex algorithms to calculate prices, so depending on how good your credit score is or where you live (among a wide array of other factors), you could see wildly different rates from the ones above.

Luckily, we've broken down average premiums from both Alliance United and Workmen's Auto by a bunch of different rate factors, so read on to find out which carrier is the best for you.

Alliance United or Workmen's Auto: Average Car Insurance Rates by State

Both Alliance United and Workmen's Auto 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, Workmen's Auto offers auto insurance for $151 a month on average. Alliance United's average prices come out to be over 40% more expensive, at $225 per month.

Typically, where you live will play a large role in how much you pay for insurance, but since both companies only do business in California, several other factors will come into play when you compare Alliance United and Workmen's Auto. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Workmen's Auto save more than $100 a month compared to those who use Alliance United.

Even so, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Alliance United policyholders reduce over 45% and Workmen's Auto's rates lower nearly 60% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Alliance United and Workmen's Auto specifically, which company is best for retired drivers? Workmen's Auto gets the edge, with prices for drivers 65 and older $70 more affordable than the national average for Alliance United.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive car insurance premiums than single policyholders. That's typically because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Workmen's Auto is the clear winner for single drivers, with prices about $75 per month cheaper than Alliance United, on average. For married couples, the advantage is clear again - Workmen's Auto has the edge when it comes to average rates.

Alliance United vs. Workmen's Auto: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get tickets. That means when it comes to auto insurance men will usually end up paying a little more.

With Alliance United, everyone ends up paying the same monthly premiums regardless of gender; and with Workmen's Auto, everyone ends up paying the same monthly rates regardless of gender.

Looking at overall affordability, Workmen's Auto offers the lowest average premiums for both men and women, with average prices $74 less for men and $74 cheaper for women.

Alliance United or Workmen's Auto: 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.

It's no secret that car insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different limits and terms that it can be hard to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Workmen's Auto typically offers significantly more affordable premiums of $67 compared to Alliance United's $102. When it comes to full coverage policies with similar limits, Workmen's Auto again has the edge, with policies around $100 a month less expensive than Alliance United, on average.

Is Alliance United or Workmen's Auto Better for Drivers with Spotty Records?

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

Tickets and collisions will most likely raise your prices, but is Alliance United or Workmen's Auto cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Alliance United policyholders can expect their rates to go up an average of $46 per month if they get a ticket, while Workmen's Auto normally raises premiums about $34 a month, on average.

Even so, Workmen's Auto tends to offer the best prices for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save around $28 per month and drivers with a ticket can save about $40 a month with Workmen's Auto Insurance.

Which Company is Best for Drivers After an Accident?

Alliance United drivers who get in a collision can expect to see their prices rise by over 50%, while those who have insurance through Workmen's Auto will see around a 30% increase.

Overall, drivers who use Workmen's Auto end up with the cheaper prices after an accident, with monthly rates averaging $156 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 accident or speeding ticket when it comes to your insurance bill. For example, Alliance United increases average premiums by $150 per month -- that's over a 50% increase.

If you have a DUI on your record and are looking for more affordable rates, Workmen's Auto tends to be the much more affordable option with average prices of $191 monthly compared to $289 from Alliance United.

How does Credit Score Impact Alliance United and Workmen's Auto Rates?

In many cases, your credit score can come into play when companies determine your monthly bill. This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it will come into play for quite a few policyholders.

The reasoning car insurance carriers use is that drivers 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 cheaper premiums.

Looking specifically at Workmen's Auto and Alliance United, which one has the most affordable 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 Workmen's Auto 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 how much auto insurance companies will charge for coverage. Generally, the more miles you put on your vehicle each year, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Workmen's Auto tends to be the less expensive option. Alliance United average prices for drivers with 6,000 annual miles come in about $88 more expensive than Workmen's Auto. Those who drive 12,000 miles each year can expect to pay around $62 more with Alliance United over Workmen's Auto.

Alliance United vs. Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a pretty big role in how much you pay for car insurance. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of cars that are on the roads in those areas.

Workmen's Auto boasts the lowest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to pay about $149 a month with Workmen's Auto compared to Alliance United's $206. Drivers in suburban ZIP codes pay around $154 with Workmen's Auto compared to Alliance United's $239 monthly. In urban areas, Workmen's Auto's average rates are about $149 while Alliance United offers prices around $230.

Alliance United vs. Workmen's Auto 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 with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you're eligible for.

In the table below, we've broken down all of the different discounts offered by both Alliance United and Workmen's Auto so that you can see which carrier can save you the most money each month.

Looking at the total number of discounts, Workmen's Auto comes out ahead with four discounts to Alliance United's three.

Both carriers offer several of the same discounts -- like discounts for being a good driver and renewal discounts -- but Workmen's Auto also offers driver-vehicle combination discounts and mature driver discounts that Alliance United does not.

On the flip side, Alliance United has a unique discount of its own -- a defensive driver discounts.

Final Thoughts: Is Alliance United or Workmen's Auto Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, is Alliance United or Workmen's Auto the best one for you and your specific needs?

Workmen's Auto might be best for you if....

• You have a clean record.
• Your neighborhood is in the suburbs.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Alliance United might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide helps you get a good idea of the differences between Alliance United and Workmen's Auto. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple carriers, not just Alliance United and Workmen's Auto. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Alliance United vs. Workmen's Auto FAQs

Is Alliance United or Workmen's Auto cheaper?

Looking just at the national average rates, Workmen's Auto is the more affordable of the two carriers, offering average rates of $151 a month compared to $225 for Alliance United. That being said, Workmen's Auto won't necessarily be the cheapest carrier for every driver, since there are a range of different factors that are considered when it comes to your car insurance cost.

Who is better, Alliance United or Workmen's Auto?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for each driver -- it all comes down to what your unique auto insurance profile looks like.

Why do Alliance United and Workmen's Auto offer me different rates?

Car insurance companies take a look at a lot of different variables when calculating the premiums they charge drivers. Things such as age, where you park your vehicle, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Alliance United and Workmen's Auto calculate prices differently, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Alliance United or Workmen's Auto is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Alliance United or Workmen's Auto 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.