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

Quick Facts

• Looking at the national averages for auto insurance, Allied Property & Casualty offers significantly more affordable prices than Esurance
• Allied Property & Casualty has cheaper premiums for drivers who have received a ticket within the last few years
• Esurance offers more discounts than Allied Property & Casualty Insurance Company

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

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

As you can see, Allied Property & Casualty has average rates that are about 60% per month less expensive than those from Esurance when looking at the national average rates for insurance.

However, that doesn't mean Allied Property & Casualty will necessarily be more affordable than Esurance for each driver. Auto insurance companies vary their rates depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and tons of other factors, so premiums could change drastically from person to person.

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

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

Allied Property & Casualty and Esurance 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 over 70% less expensive than car insurance prices at Esurance.

That being said, there's a lot more that goes into your insurance payment than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any other group of drivers. That's usually 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 car insurance. Just look at the table above -- where 18-year-old drivers who have Allied Property & Casualty for their insurance pay nearly $500 less than those who use Esurance.

That being said, both carriers will offer you dramatically lower rates by the time you turn 25. For example, average premiums for Allied Property & Casualty policyholders drop more than $100 and Esurance's prices lower almost $500 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you'll ever see.

When looking at Allied Property & Casualty and Esurance specifically, which carrier is best for retired drivers? Allied Property & Casualty gets the edge, with premiums for drivers 65 and older $143 cheaper than the national average for Esurance.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are generally less expensive for married drivers than they are for those who are single? That's normally because married couples 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 premiums around $225 a month more affordable than Esurance, on average. For married policyholders, the advantage is clear again - Allied Property & Casualty has the edge when it comes to average prices.

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

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll typically end up paying more for auto insurance than women.

On average, men see rates about $6 per month higher with Allied Property & Casualty, while with Esurance, the difference is closer to $21 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 $188 per month and women save around $173 with Allied Property & Casualty compared to the average Esurance policyholder.

Allied Property & Casualty or Esurance: 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 lots of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum liability insurance, Allied Property & Casualty usually offers significantly cheaper premiums of $69 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies about $250 a month more affordable than Esurance, on average.

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

You've probably seen plenty of commercials from auto 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.

You'll probably end up paying more with at-fault collisions and tickets on your record, but which of these two carriers offers the lowest prices to drivers with spotty 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 Esurance normally raises premiums around $45 a month, on average.

Even so, Allied Property & Casualty tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering prices that are 68% and 66% less expensive, respectively, compared to Esurance.

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 $40, while those who have insurance through Esurance will see about a $100 increase.

Overall, the more affordable rates come from Allied Property & Casualty, with monthly prices averaging $119 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. Allied Property & Casualty drivers usually see a 57% increase in their auto insurance premiums after a DUI charge, while Esurance will generally raise rates by around 20%.

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

Did you know that many car insurance companies take into account your credit score when calculating prices? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect a lot of policyholders out there.

The reasoning insurance companies 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 normally be forced to pay more.

Looking at Allied Property & Casualty and Esurance specifically, which company has the cheapest 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 Esurance Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly car insurance bill. Generally, the more miles you put on your car each year, the more you can expect to pay for coverage.

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 premiums for Esurance, with drivers who put 6,000 miles on their vehicle each year paying about $1 less every month compared to those who drive 12,000 miles annually. Still, Allied Property & Casualty is the cheaper option for drivers in both categories.

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

Where you park your car can have a large impact on your monthly auto insurance cost. Typically, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

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

If you live in a rural area, you can expect to save around $94 with Allied Property & Casualty compared to Esurance. Drivers in suburban ZIP codes pay about $167 less with Allied Property & Casualty compared to Esurance. In urban areas, Allied Property & Casualty Insurance Company's average premiums are around $279 less than Esurance.

Allied Property & Casualty vs. Esurance Discounts

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

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've taken a look at all of the different discounts Allied Property & Casualty and Esurance offer their customers so that you can see which one can save you the most money each month.

Esurance blows Allied Property & Casualty away when it comes to the sheer amount of discounts available, offering 24 different discounts to Allied Property & Casualty's 16.

There are a couple discounts both companies offer, but Esurance also offers ABS discounts, agency transfer discounts, anti-theft discounts, and more that Allied Property & Casualty does not.

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

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

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which company is the best carrier for you, your vehicle, and your wallet?

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

• You haven't received any speeding tickets or been in a collision in the last few years.
• Your neighborhood is in a city.
• You are over 65 years old and want to save some money on your auto insurance.

Esurance might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You're looking for discounts -- Esurance has the most.

We hope this guide helps you get a better idea of the difference between Allied Property & Casualty and Esurance and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire 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 Esurance. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. Esurance FAQs

Is Allied Property & Casualty or Esurance cheaper?

Looking just at the national average premiums, Allied Property & Casualty is the less expensive of the two carriers, offering average rates of $118 per month compared to $299 for Esurance. However, Allied Property & Casualty won't necessarily be the lowest company for each driver, since there are multiple different variables that come into play when it comes to your auto insurance bill.

Who is better, Allied Property & Casualty or Esurance?

Unfortunately, the real answer is "it depends.". Neither carrier is necessarily "better" for every driver -- it all depends on what your unique car insurance profile looks like.

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

Insurance companies take a look at several different factors when determining the rates they charge policyholders. Variables like age, your driving record, gender, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Allied Property & Casualty and Esurance calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the car insurance carrier 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 does all the hard work for you. Just enter your information once 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 best rate. And who knows, the best company for you might not be Allied Property & Casualty or Esurance 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.