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

Quick Facts

• Looking at the national averages for insurance, Allied Property & Casualty offers significantly more affordable prices than Central Mutual
• Allied Property & Casualty has cheaper rates for drivers who have a speeding ticket on their driving record
• Allied Property & Casualty offers less expensive average prices for drivers with a DUI

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering pretty big savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Allied Property & Casualty or Central Mutual for your next policy, but which company will offer you more affordable premiums?

Looking at nationwide averages, Central Mutual is quite a bit more expensive than Allied Property & Casualty, with rates averaging $340 a month compared to just $118 with Allied Property & Casualty.

But that doesn't mean Allied Property & Casualty will necessarily be less expensive than Central Mutual for every driver. Car insurance carriers use a ton of complex algorithms to determine prices, so depending on how good your credit score is or where you live (among a whole range 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 Central Mutual is really the best for you, keep reading to see average prices for each company broken down by many different rate factors.

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

Allied Property & Casualty and Central Mutual only compete against each other in one states, with Allied Property & Casualty offering cheaper premiums to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty rates are $2 more affordable than auto insurance prices at Central Mutual.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance companies calculate your premiums. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. That's usually 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 car insurance. For example, 18-year-old drivers pay an average of almost 60% less per month by choosing Allied Property & Casualty over Central Mutual.

However, both carriers will offer you dramatically lower rates once you turn 25. For example, average premiums for Allied Property & Casualty policyholders reduce nearly 55% and Central Mutual's rates drop almost 45% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest insurance prices you'll ever find. After all, they've likely been driving for quite some time, which generally decreases their chances of collisions and other infractions that can raise premiums.

So, which carrier offers the best prices to retired drivers? Allied Property & Casualty gets the edge here, with average rates coming in at around $89 monthly compared to Central Mutual's $275.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be cheaper for married policyholders than they are for single policyholders. That's because policies for married couples normally cover multiple vehicles, which a lot of companies will give you a discount for.

For those who are single, the difference in average rates between these two carriers is significant, with Allied Property & Casualty prices coming in at about a third of Central Mutual's. The advantage for married drivers with Allied Property & Casualty is also obvious, where drivers save nearly 70% a month.

Allied Property & Casualty or Central Mutual: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they have a lower chance of filing a claim with insurance. So, insurance companies will often charge women less than men.

Women usually pay around 5% per month less than men with Allied Property & Casualty, but with Central Mutual, the difference is closer to 4% a month.

Looking at the data for each company specifically, Allied Property & Casualty comes out on top for both men and women. On average, male drivers save about $226 per month and women save about $218 with Allied Property & Casualty compared to the average Central Mutual policyholder.

Allied Property & Casualty vs. Central Mutual: 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.

Car insurance isn't the easiest topic to understand. There are so many different coverages and limits that it can make it pretty confusing to find the right policy for you.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) 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 significant edge, with average monthly rates 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 Central Mutual's $506.

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

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Accidents and speeding tickets will most likely raise your premiums, but is Allied Property & Casualty or Central Mutual less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allied Property & Casualty for their car insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Central Mutual policyholders can expect a bit more drastic of an increase of around 26%.

But Allied Property & Casualty has cheaper prices for drivers in both categories, offering premiums that are 68% and 70% more affordable, respectively, compared to Central Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase prices pretty significantly if you get into an at-fault collision with Central Mutual climbing by about 22%. Allied Property & Casualty has a less extreme climb, but you can still expect to pay more than 35% more than you were prior to your first accident.

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 Central Mutual Insurance's $311.

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 insurance bill. On average, Central Mutual will increase your prices around 50% after a DUI, while Allied Property & Casualty's average premiums rise by over 55%.

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 Central Mutual's $482.

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

Did you know many car insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for quite a few drivers.

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

So, which carrier offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty or Central Mutual 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 insurance companies will charge for coverage. Generally, the more milage you drive, the more you can expect to pay for car insurance.

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 Central Mutual, with drivers who put 6,000 miles on their vehicle yearly paying around $10 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, Allied Property & Casualty is the more affordable company.

Allied Property & Casualty or Central Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a large role in how much you pay for insurance. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the road where they live, which lowers the chances of an accident.

When comparing these two carriers side-by-side, Allied Property & Casualty generally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Allied Property & Casualty's average rates are about $117 per month compared to Central Mutual's $529. People in suburban areas pay a monthly rate of around $121 with Allied Property & Casualty compared to $263 with Central Mutual. Those in rural areas can expect to pay about $117 a month with Allied Property & Casualty and $228 with Central Mutual.

Allied Property & Casualty vs. Central Mutual Discounts

No matter 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 you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Allied Property & Casualty and Central Mutual so that you can see which carrier can save you the most money each month.

Looking at the total number of discounts, Allied Property & Casualty comes out ahead with 16 discounts to Central Mutual's 15.

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

On the other hand, Central Mutual has a few proprietary discounts of their own for things like ABS discounts, anti-theft discounts, book transfer policy discounts, and more.

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

So, we've broken down the average premiums for many of the factors insurance carriers look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which company is the right one for you and your specific profile and needs?

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

• You will be the only person on the auto insurance policy.
• Your neighborhood is in a city.
• You're of retirement age and want to take advantage of lower prices.

Central Mutual might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Allied Property & Casualty and Central Mutual 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 auto insurance policy is to compare quotes from several companies, not just Allied Property & Casualty and Central Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. Central Mutual FAQs

Is Allied Property & Casualty or Central Mutual cheaper?

Allied Property & Casualty is the less expensive of the two companies when looking at national average rates, with policies averaging $118 a month with Allied Property & Casualty and $340 for Central Mutual. Even so, that doesn't mean Allied Property & Casualty will be the cheapest carrier for every policyholder, since there are lots of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or Central Mutual?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for each policyholder -- it all depends on the makeup of your unique insurance profile.

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

Auto insurance carriers use several different factors when calculating the prices they charge. Variables like where your home is, gender, age, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Allied Property & Casualty and Central Mutual use different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Allied Property & Casualty or Central Mutual is right for me?

The only way to find the car 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 make it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Allied Property & Casualty or Central Mutual 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.