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

Quick Facts

• In general, Allied Property & Casualty offers cheaper rates than Buckeye
• Allied Property & Casualty tends to be a much more affordable option for policyholders who have a short commute
• Buckeye offers more affordable premiums for drivers who have a speeding ticket on their driving record

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

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

You've maybe even narrowed it down to Allied Property & Casualty or Buckeye as your top options, but which carrier will save you the most?

Looking at the national average rates for both carriers, Allied Property & Casualty has average rates that are around 11% a month cheaper than those from Buckeye.

However, that doesn't mean Allied Property & Casualty will necessarily be more affordable than Buckeye for every driver. Car insurance companies use tons of complex algorithms to determine rates, so depending on how old you are or how clean your driving record is (among a bunch of other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Allied Property & Casualty or Buckeye is really the best for you, keep reading to see average prices for each company broken down by a range of different rate factors.

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

Allied Property & Casualty and Buckeye only compete against each other in one states, with Allied Property & Casualty offering less expensive premiums to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty prices are $28 cheaper than auto insurance rates at Buckeye.

There's a lot more that goes into your car insurance payment than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any other group of drivers out there on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance prices. Just look at the table above -- where 18-year-old drivers who have Allied Property & Casualty for their car insurance pay 15% less than those who use Buckeye.

That being said, both carriers will drop rates once you turn 25. For example, average premiums for Allied Property & Casualty policyholders lower almost 55% and Buckeye's rates reduce nearly 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 cheapest prices you'll ever find.

But who has the best rates for retired drivers between Allied Property & Casualty and Buckeye? Allied Property & Casualty gets the edge here, with average premiums coming in at about $89 per month compared to Buckeye's $105.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive insurance prices than married drivers. This usually boils down to married couples having several vehicles on their policy -- something lots of car insurance companies will reward with discounts.

For those who are single, the difference in average premiums between these two carriers is not very significant, with Allied Property & Casualty prices coming in at around 10% less than Buckeye's. The advantage for married policyholders is more obvious, where drivers who use Allied Property & Casualty save about $15 per month.

Allied Property & Casualty or Buckeye: Average Rates by Gender

Women typically to pay less for auto insurance than men. This is because men are statistically more likely than women to get into collisions and get speeding tickets, which leads to increased risk for insurers and, therefore, higher rates.

Women generally pay around $6 a month less than men with Allied Property & Casualty, and about $15 less with Buckeye.

Looking at overall affordability, Allied Property & Casualty comes out on top for both men and women. On average, male drivers save about $19 per month and women save around $10 with Allied Property & Casualty compared to the average Buckeye policyholder.

Allied Property & Casualty vs. Buckeye: 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. There are multiple different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability limits, Allied Property & Casualty has the slight 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 about $167 a month to Buckeye's $191.

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

You've probably seen plenty of commercials from car insurance companies offering great rates 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 speeding tickets and collisions lead to higher premiums, but which carrier -- Allied Property & Casualty or Buckeye -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allied Property & Casualty for their insurance can normally expect their monthly bill to go up around 21% after getting a speeding ticket. Buckeye policyholders can expect a less drastic increase of about 7%.

If you have gotten a ticket, Buckeye tends to offer the best premiums at around 11% more affordable, while Allied Property & Casualty has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in a collision can expect to see their prices rise by over 35%, while those who have insurance through Buckeye will see about a 15% increase.

At the end of the day, drivers who use Buckeye end up with the cheaper prices after an accident, with average rates coming in at $98 compared to Allied Property & Casualty Insurance Company's $119.

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 speeding ticket when it comes to your auto insurance bill. Buckeye drivers usually see a 69% increase in their insurance premiums after a DUI charge, while Allied Property & Casualty will usually raise prices by around 57%.

But if you end up with a DUI charge and are looking for more affordable rates, Allied Property & Casualty tends to be less expensive for the average driver, with monthly premiums coming in at about $179 to Buckeye's $263.

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

Did you know many car insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it might come into play for several policyholders.

Auto 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 at Allied Property & Casualty and Buckeye specifically, which one has the best 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 Buckeye Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly car insurance cost. Generally, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Allied Property & Casualty or Buckeye report increasing prices for drivers with higher annual mileage figures. Even so, Allied Property & Casualty comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $118 per month for both.

Allied Property & Casualty or Buckeye: 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 considerable impact as well. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads where they live.

Allied Property & Casualty boasts the cheapest average prices in urban and suburban areas, while Buckeye wins in rural areas.

If you live in a rural area, you can expect to pay around $107 a month with Buckeye compared to Allied Property & Casualty's $117. Drivers in suburban ZIP codes pay a monthly premium of about $121 with Allied Property & Casualty compared to $159 with Buckeye. In urban areas, Allied Property & Casualty's average rates are around $117 a month compared to Buckeye's $131.

Allied Property & Casualty vs. Buckeye Discounts

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

But with what seems like a million different discounts out there, it can be challenging 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.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allied Property & Casualty and Buckeye so that you can see which company can save you the most money each month.

Allied Property & Casualty blows Buckeye away when it comes to the sheer amount of discounts available, offering 16 different discounts to Buckeye's seven.

There are a couple discounts both carriers offer, but Allied Property & Casualty also offers discounts for advance quote, EFT, employee discount, and more.

On the other hand, Buckeye has a few proprietary discounts of their own for things like anti-theft discounts, paid in full discounts, and renewal discounts.

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

So, we've broken down the average premiums for many of the variables auto insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the right one for you and your specific driver profile?

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

• You will be the only person on the insurance policy.
• You want the most robust protection via a "full coverage" policy.
• You and your spouse are buying car insurance together.

Buckeye might be best for you if...

• You have an at-fault accident on your record.
• You have above-average credit.
• You live in a rural neighborhood.

Hopefully, this guide helps you get a good idea of the differences between Allied Property & Casualty and Buckeye. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

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

Allied Property & Casualty vs. Buckeye FAQs

Is Allied Property & Casualty or Buckeye cheaper?

Allied Property & Casualty is the more affordable of the two carriers when looking at national average rates, with policies averaging $118 per month with Allied Property & Casualty and $132 for Buckeye. But that doesn't mean Allied Property & Casualty will be the lowest carrier for every driver, since there are a variety of different factors that are considered when it comes to your auto insurance bill.

Who is better, Allied Property & Casualty or Buckeye?

Sadly, the answer truly is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Buckeye is less expensive for drivers with excellent credit, while Allied Property & Casualty offers cheaper premiums for drivers with a recent DUI.

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

Insurance companies use quite a few different variables when calculating the prices they charge. Factors like your driving record, gender, where you call home, age, and sometimes even things like your credit score can all be taken into consideration. Both Allied Property & Casualty and Buckeye calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Allied Property & Casualty or Buckeye 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 makes it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't Allied Property & Casualty or Buckeye 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.