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

Quick Facts

• In general, Allied Property & Casualty offers significantly cheaper prices than Auto-owners
• Allied Property & Casualty offers more affordable premiums for people who are single and purchasing car insurance by yourself
• Auto-owners offers more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty vs. Auto-owners: 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 big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Allied Property & Casualty or Auto-owners, but between the two, which carrier has less expensive rates for insurance?

Looking at nationwide averages, Allied Property & Casualty is quite a bit cheaper than Auto-owners, with prices averaging $118 per month compared to $179 with Auto-owners.

But that doesn't mean Allied Property & Casualty will necessarily be more affordable than Auto-owners for every single driver. Car insurance companies use a variety of complex algorithms to calculate premiums, so depending on how clean your driving record is or how good your credit score is (among a bunch of other factors), you could see wildly different prices from the ones above.

Wanting to know if Allied Property & Casualty or Auto-owners is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Allied Property & Casualty or Auto-owners: Average Car Insurance Rates by State

Allied Property & Casualty and Auto-owners only compete against each other in one states, with Allied Property & Casualty offering less expensive rates to the average driver in all of them. North Dakota has the most noticable difference, where Allied Property & Casualty prices are over 20% more affordable than auto insurance rates at Auto-owners.

But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers determine your premiums. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any group out there on the road. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance prices. As you can see above, teens who use Allied Property & Casualty save more than $150 a month compared to those who use Auto-owners.

Even so, both companies will reduce premiums by the time drivers turn 25. For example, average rates for Allied Property & Casualty policyholders decrease over $100 and Auto-owners's premiums drop nearly $250 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

When looking at Allied Property & Casualty and Auto-owners specifically, which company is best for retired drivers? Allied Property & Casualty gets the edge here, with average prices coming in at about $89 a month compared to Auto-owners's $133.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be cheaper for married couples than they are for single policyholders. That's because policies for married policyholders generally cover several cars, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Allied Property & Casualty is the clear winner for single drivers, with premiums around $75 per month less expensive than Auto-owners, on average. The advantage is also clear for married drivers - Allied Property & Casualty offers the most affordable average rates.

Allied Property & Casualty vs. Auto-owners: Average Rates by Gender

You may not know, but men normally pay more for auto insurance than women do. This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

Typically, women see prices about $6 a month cheaper with Allied Property & Casualty, and around $10 with Auto-owners.

Looking at overall affordability, Allied Property & Casualty offers the cheapest average premiums for both men and women. On average, women save about $59 per month and men save about $64 with Allied Property & Casualty compared to the average Auto-owners policyholder.

Allied Property & Casualty or Auto-owners: 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, car insurance can be pretty complicated. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum liability insurance, Allied Property & Casualty usually offers significantly more affordable prices of $69 compared to Auto-owners's $99. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies around $95 a month less expensive than Auto-owners, on average.

Is Allied Property & Casualty or Auto-owners 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.

Tickets and at-fault accidents will most likely raise your rates, but is Allied Property & Casualty or Auto-owners more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their premiums to go up an average of $21 per month if they get a ticket, while Auto-owners normally raises prices about $44 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 rates that are 36% and 41% cheaper, respectively, compared to Auto-Owners Insurance.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in an accident can expect to see their prices increase by over 35%, while those who have insurance through Auto-owners will see around a 30% increase.

Overall, the more affordable rates come from Allied Property & Casualty, with monthly premiums averaging $119 compared to Auto-Owners Insurance's $168.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. Auto-owners drivers usually see a 54% raise in their car insurance rates after a DUI charge, while Allied Property & Casualty will typically climb prices by about 57%.

How does Credit Score Impact Allied Property & Casualty and Auto-owners Rates?

Did you know that many auto insurance companies take into account your credit score when calculating premiums? This isn't always the case (for example, are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

The reasoning insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will generally be forced to pay more.

So, which carrier offers the most affordable prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty or Auto-owners 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 big impact on your monthly premiums? That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause 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 prices for Auto-owners, with policyholders who drive 6,000 miles yearly paying around $1 less each month compared to those who drive 12,000 miles every year. Still, Allied Property & Casualty is the less expensive option for drivers in both categories.

Allied Property & Casualty vs. Auto-owners: 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 auto insurance, but the type of area you live in can have a pretty big impact as well. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer cars on the roads in those areas.

Allied Property & Casualty tends to offer the lowest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save about $47 with Allied Property & Casualty compared to Auto-owners. Drivers in suburban ZIP codes pay around $48 less with Allied Property & Casualty compared to Auto-owners. In urban areas, Allied Property & Casualty Insurance Company's average rates are about $88 less than Auto-Owners Insurance.

Allied Property & Casualty vs. Auto-owners Discounts

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

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the section below, we've taken a look at all of the different discounts Allied Property & Casualty and Auto-owners offer their customers so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Auto-owners blows Allied Property & Casualty away when it comes to the sheer amount of discounts available, offering eight more discounts than Allied Property & Casualty.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, discounts for being a good student, and life policy discounts. Auto-owners also offers ABS discounts, anti-theft discounts, company car discounts, and more that Allied Property & Casualty does not.

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

Final Thoughts: Is Allied Property & Casualty or Auto-owners Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the right one for you and your specific needs?

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

• You have a DUI charge on your record.
• You have above-average credit.
• You and your spouse are buying insurance together.

Auto-owners might be best for you if...

• You value the experience that comes with a large national car insurance company.
• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Allied Property & Casualty and Auto-owners. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of companies, not just Allied Property & Casualty and Auto-owners. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. Auto-owners FAQs

Is Allied Property & Casualty or Auto-owners cheaper?

Looking just at the national average prices, Allied Property & Casualty is the cheaper of the two companies, offering average rates of $118 per month compared to $179 for Auto-owners. However, Allied Property & Casualty won't necessarily be the cheapest carrier for everyone, since there are a bunch of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or Auto-owners?

Sadly, the only answer we can give you is "it depends.". No one company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Allied Property & Casualty and Auto-owners offer me different rates?

Auto insurance carriers take a look at lots of different factors when determining the premiums they charge drivers. Variables such as your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Allied Property & Casualty and Auto-owners calculate rates using different factors, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

How do I know if Allied Property & Casualty or Auto-owners is right for me?

The only way to find the 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, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be Allied Property & Casualty or Auto-owners 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.