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

Quick Facts

• Looking at the national averages for auto insurance, Allied Property & Casualty offers cheaper prices than American Family
• Allied Property & Casualty has less expensive rates for policyholders who live in rural neighborhoods
• American Family may help you save more money -- they offer more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty or American Family: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Allied Property & Casualty or American Family as your top options, but between the two, which one will save you the most?

Looking at nationwide averages, Allied Property & Casualty is around $22 a month more affordable than American Family.

Even so, that doesn't necessarily mean Allied Property & Casualty will be the cheaper option for every single driver. Car insurance carriers use tons of complex algorithms to determine premiums, so depending on how good your credit score is or how clean your driving record is (among a whole range of other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Allied Property & Casualty or American Family is really the best for you, keep reading to see average rates for each carrier broken down by lots of different rate factors.

Allied Property & Casualty vs. American Family: Average Car Insurance Rates by State

Allied Property & Casualty and American Family only compete against each other in two states, with American Family offering less expensive premiums to the average driver in all of them. North Dakota has the most noticable difference, where American Family prices are $30 more affordable than insurance rates at Allied Property & Casualty.

There's a lot more that goes into your auto insurance cost than just your home state. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. That's generally because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 25% less per month by choosing Allied Property & Casualty over American Family.

But both companies will decrease prices by the time drivers turn 25. For example, average premiums for Allied Property & Casualty policyholders lower almost 55% and American Family's rates reduce more than 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices out there.

When looking at Allied Property & Casualty and American Family specifically, which company is best for retired drivers? Allied Property & Casualty gets the edge, with rates for drivers 65 and older over 15% less expensive than the national average for American Family.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average rates between these two carriers is significant, with Allied Property & Casualty prices coming in at a quarter less than American Family's. The advantage for married policyholders with Allied Property & Casualty is also obvious, where drivers save about $10 a month.

Allied Property & Casualty or American Family: Average Rates by Gender

Did you know women normally pay less for insurance than men? That's because women are less likely to get tickets and get into accidents, which decreases the chances of filing a claim with insurance.

With Allied Property & Casualty, women generally pay around $6 per month less than men, but with American Family, the difference is closer to $5 a month.

When it comes to the lowest premiums for each gender, Allied Property & Casualty offers the cheapest average rates for both men and women. On average, male drivers save about $22 per month and women save about $23 with Allied Property & Casualty compared to the average American Family policyholder.

Allied Property & Casualty vs. American Family: 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.

Auto insurance can be a complicated subject for most people. Everyone needs insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum liability insurance, Allied Property & Casualty has the significant edge, with average monthly prices coming in at $69. If you want a full coverage policy with the same state minimum limits, Allied Property & Casualty again has the edge, with policies averaging around $167 a month to American Family's $185.

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

You've probably seen plenty of commercials from auto 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.

It's no secret secret that collisions and speeding tickets lead to higher rates, but which carrier -- Allied Property & Casualty or American Family -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allied Property & Casualty for their car insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. American Family policyholders can expect a less drastic increase of around 20%.

However, Allied Property & Casualty has more affordable premiums for drivers in both categories, offering prices that are 35% and 33% cheaper, respectively, compared to American Family Insurance.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in an accident can expect to see their premiums rise by over 35%, while those who have insurance through American Family will see about a 15% increase.

At the end of the day, drivers who use Allied Property & Casualty end up with the cheaper prices after an accident, with average rates coming in at $119 compared to American Family Insurance's $138.

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. For example, Allied Property & Casualty increases average premiums by more than $100 per month -- that's more than a 55% increase.

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

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

Insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

Looking specifically at American Family and Allied Property & Casualty, which carrier has the lowest prices 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 Allied Property & Casualty or American Family 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 carriers will charge for coverage. Typically, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of causing a collision and filing 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 American Family, with policyholders who drive 6,000 miles every year paying around $5 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Allied Property & Casualty is the cheaper company.

Allied Property & Casualty or American Family: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a substantial impact on your monthly car insurance bill. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of cars that are on the roads where they live.

Allied Property & Casualty tends to offer the most affordable premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about 3% with Allied Property & Casualty compared to American Family. People who live in suburban areas pay around 10% less with Allied Property & Casualty compared to American Family. For drivers in urban ZIP codes, Allied Property & Casualty Insurance Company's average prices are about 30% less than American Family Insurance.

Allied Property & Casualty vs. American Family Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many insurance discounts as possible.

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.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allied Property & Casualty and American Family so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, American Family comes out ahead with 21 discounts to Allied Property & Casualty's 16.

Both companies offer a lot of the same discounts -- like discounts for being a defensive driver, EFT discounts, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but American Family also offers discounts for anti-theft, connect partner, COVID-19 relief, and more.

On the other hand, Allied Property & Casualty has a few proprietary discounts of their own for things like employee discounts, good driving discounts, intra-agency transfer discounts, and more.

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

So, we've broken down the average rates for many of the variables auto insurance carriers look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, is Allied Property & Casualty or American Family the right company for you and your specific needs?

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

• You're worried about the impact your credit score will have on your premiums.
• You're looking for the best prices on liability only coverage.
• You're of retirement age and want to take advantage of lower rates.

American Family might be best for you if...

• You already have plans to move to another state -- undefined is only available in.
• Your driving record includes a DUI charge.
• You care about discounts (American Family offers the most).

Hopefully, this guide helps you get a good idea of the differences between Allied Property & Casualty and American Family and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Allied Property & Casualty and American Family. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. American Family FAQs

Is Allied Property & Casualty or American Family cheaper?

Allied Property & Casualty is the less expensive of the two companies when looking at national average premiums, with policies averaging $118 a month with Allied Property & Casualty and $140 for American Family. That being said, that doesn't mean Allied Property & Casualty will be the lowest company for everyone, since there are a range of different factors that come into play when it comes to your insurance payment.

Who is better, Allied Property & Casualty or American Family?

Sadly, the only answer we can give you is "it depends.". No single carrier is "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, Allied Property & Casualty is more affordable for drivers with excellent credit, while American Family offers cheaper prices for drivers with a recent DUI.

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

Auto insurance carriers use several different variables when calculating the rates they charge. Things such as your driving record, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Allied Property & Casualty and American Family use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Allied Property & Casualty or American Family is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several 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 car insurance companies for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Allied Property & Casualty or American Family 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.