Allied Property & Casualty vs. Allstate: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Allied Property & Casualty offers significantly more affordable rates than Allstate
• Allied Property & Casualty tends to be a much less expensive option for people who are single and purchasing auto insurance by yourself
• Allstate offers more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty vs. Allstate: 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 substantial discounts. But exactly how much can you save by switching?

You might have narrowed it down to Allied Property & Casualty or Allstate for your next policy, but which one has cheaper prices for car insurance?

Looking at the national average rates for both companies, Allied Property & Casualty has average rates that are about 40% per month more affordable than those from Allstate.

That being said, that doesn't mean Allied Property & Casualty will necessarily be cheaper than Allstate for every driver. Insurance carriers vary their premiums depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and tons of other factors. So, at the end of the day, prices from each company will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Allied Property & Casualty and Allstate by multiple different rate factors, so read on to find out which carrier is the best for you.

Allied Property & Casualty or Allstate: Average Car Insurance Rates by State

Allied Property & Casualty and Allstate only compete against each other in three states, with Allied Property & Casualty offering less expensive premiums to the average driver in all of them. North Carolina has the most noticable difference, where Allied Property & Casualty prices are over 70% more affordable than auto insurance rates at Allstate.

That being said, there's a lot more that goes into your car insurance payment than just where you call home. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group on the road. It's typically because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car 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 more than $200 less a month by choosing Allied Property & Casualty over Allstate.

However, both companies will drop rates by the time you turn 25. For example, average premiums for Allied Property & Casualty policyholders reduce nearly 55% and Allstate's prices lower almost 65% over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best premiums to retired drivers? Allied Property & Casualty gets the edge here, with average rates coming in at around $89 per month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper car insurance prices than those who are single. That's usually because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Allied Property & Casualty is the clear winner for single drivers, with rates about $95 per month less expensive than Allstate, on average. The advantage for married policyholders with Allied Property & Casualty is also obvious, where drivers save over $60 a month.

Allied Property & Casualty vs. Allstate: Average Rates by Gender

You may not know, but auto insurance is normally more expensive for men than for women. This is because men are statistically more likely than women to get speeding tickets and get into collisions, which leads to increased risk for insurers and, therefore, higher premiums.

On average, women see prices around $6 per month more affordable with Allied Property & Casualty, and about $9 less with Allstate.

Looking at overall affordability, Allied Property & Casualty comes out on top for both men and women, with average rates $82 less for men and $79 cheaper for women.

Allied Property & Casualty or Allstate: 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.

Insurance isn't the easiest topic to understand. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy.

The two 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 includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability limits, Allied Property & Casualty generally offers significantly less expensive premiums of $69 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies around $100 a month cheaper than Allstate, on average.

Is Allied Property & Casualty or Allstate Better for Drivers with Spotty Records?

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

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their rates to go up an average of $21 per month if they get a ticket, while Allstate typically raises prices about $27 a month, on average.

But Allied Property & Casualty tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering premiums that are $79 and $85 more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in a collision can expect to see their prices increase by over $40, while those who have insurance through Allstate will see around a $75 increase.

Overall, drivers who use Allied Property & Casualty end up with the cheaper prices after an accident, with monthly rates averaging $119 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than an accident or ticket. For example, Allied Property & Casualty increases average premiums by over $100 per month -- that's over a 55% increase.

How does Credit Score Impact Allied Property & Casualty and Allstate Rates?

Did you know that many auto insurance carriers take your credit score into account when calculating prices? This isn't always the case (for example, are two states that ban the practice entirely), but it might come into play for several policyholders.

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.

Looking at Allied Property & Casualty and Allstate specifically, which carrier has the most affordable rates 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 Allied Property & Casualty or Allstate 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 auto insurance carriers will charge for coverage? Typically, those who drive less will end up with less expensive premiums since there's less of a chance of getting into a collision and causing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Allied Property & Casualty charges. However, there's a small difference in monthly rates for Allstate, with drivers who put 6,000 miles on their car annually paying about $3 less each month compared to those who drive 12,000 miles every year. Still, Allied Property & Casualty is the cheaper option for drivers in both categories.

Allied Property & Casualty vs. Allstate: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a sizable role in how much you pay for car insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

Allied Property & Casualty boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Allied Property & Casualty Insurance Company's average rates are around $105 less than Allstate. Drivers in suburban ZIP codes pay about $78 less with Allied Property & Casualty compared to Allstate. If you live in a rural area, you can expect to save around $57 with Allied Property & Casualty compared to Allstate.

Allied Property & Casualty vs. Allstate Discounts

Regardless of 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 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 qualify for.

Below, we've broken down all of the different discounts offered by both Allied Property & Casualty and Allstate so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Allied Property & Casualty out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Allied Property & Casualty's 40.

Both companies offer many of the same discounts -- like discounts for being a defensive driver, EFT discounts, discounts for being a good driver, and life policy discounts -- but Allstate also offers ABS discounts, agency transfer discounts, alert driving discounts, and more that Allied Property & Casualty does not.

On the flip side, Allied Property & Casualty has a couple unique discounts of its own -- employee discounts, group discounts, and intra-agency transfer discounts.

Final Thoughts: Is Allied Property & Casualty or Allstate Best for You?

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the best company for you and your specific profile and needs?

Allied Property & Casualty might be best for you if....

• You have a speeding ticket on your driving record.
• You want basic auto insurance coverage at the state minimum limits.
• You live in a rural area.

Allstate might be best for you if...

• You already have plans to move to another state -- undefined is only available in.
• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Allied Property & Casualty and Allstate. We also hope we've given you the information you need to make the best decision when it comes to your 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 car insurance -- comparing quotes from a handful of carriers, not just Allied Property & Casualty and Allstate. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. Allstate FAQs

Is Allied Property & Casualty or Allstate cheaper?

Looking just at the national average premiums, Allied Property & Casualty is the less expensive of the two carriers, offering average rates of $118 a month compared to $199 for Allstate. However, Allied Property & Casualty won't necessarily be the most affordable carrier for each driver, since there are a variety of different factors that are considered when it comes to your insurance cost.

Who is better, Allied Property & Casualty or Allstate?

Sadly, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Allied Property & Casualty and Allstate offer me different rates?

Car insurance companies take a look at a lot of different variables when determining the prices they charge policyholders. Things such as your driving record, gender, age, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and Allstate calculate rates using 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 many different carriers.

How do I know if Allied Property & Casualty or Allstate 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, Compare.com makes it easy for you to do just that. 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 cheapest premium. And who knows, the best carrier for you might not be Allied Property & Casualty or Allstate 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.