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

Quick Facts

• Based on national averages for auto insurance, Allied Property & Casualty offers significantly less expensive premiums than Farmers
• Allied Property & Casualty tends to be a much cheaper option for drivers who have a speeding ticket on their driving record
• Farmers may help you save more money -- they offer more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty or Farmers: 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 might be considering Allied Property & Casualty or Farmers for your next policy, but between the two, which carrier will offer you more affordable rates?

Looking at the national average rates for both carriers, Allied Property & Casualty is quite a bit cheaper than Farmers, with prices averaging $118 a month compared to $203 with Farmers.

However, that doesn't necessarily mean Allied Property & Casualty will be the less expensive option for every single driver. Car insurance companies vary their rates depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and a variety of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

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

Allied Property & Casualty and Farmers only compete against each other in two states, with Allied Property & Casualty offering more affordable premiums to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty rates are $53 cheaper than auto insurance prices at Farmers.

That being said, there's a lot more that goes into your insurance cost than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of almost 55% less per month by choosing Allied Property & Casualty over Farmers.

That being said, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Allied Property & Casualty policyholders lower around $100 and Farmers's premiums reduce about $400 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Allied Property & Casualty and Farmers? Allied Property & Casualty gets the edge, with prices for drivers 65 and older nearly 40% less expensive than the national average for Farmers.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive insurance premiums than married policyholders. This usually boils down to married drivers having multiple vehicles on their policy -- something lots of car insurance companies will reward with discounts.

For single drivers, the difference in average prices between these two carriers is significant, with Allied Property & Casualty rates coming in at around half of Farmers's. For married couples, the advantage is clear again - Allied Property & Casualty has the edge when it comes to average premiums.

Allied Property & Casualty or Farmers: Average Rates by Gender

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

On average, women see rates about $6 a month cheaper with Allied Property & Casualty, and around $7 with Farmers.

When it comes to the lowest prices for each gender, Allied Property & Casualty comes out on top for both men and women. On average, male drivers save about $86 per month and women save about $85 with Allied Property & Casualty compared to the average Farmers policyholder.

Allied Property & Casualty vs. Farmers: 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.

It's no secret that 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 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 if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability coverage).

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 Farmers's $281.

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

You've probably seen plenty of commercials from 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.

At-fault accidents and speeding tickets will most likely raise your prices, but is Allied Property & Casualty or Farmers more affordable for drivers with less-than-perfect 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. Farmers policyholders can expect a less drastic increase of around 21%.

Even so, Allied Property & Casualty has cheaper rates for drivers in both categories -- their rates are around 52% more affordable for drivers with clean records and 52% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault collision with Farmers climbing by about 28%. Allied Property & Casualty has a less extreme rise, 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 premiums coming in at $119 compared to Farmers Insurance's $224.

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 an accident. On average, Allied Property & Casualty will increase your prices around 57% after a DUI, while Farmers's average premiums increase by over 25%.

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

Did you know many auto insurance companies take into account your credit score when determining rates? Certain states and carriers do not allow for credit score to be used as a car insurance factor, but it does affect quite a few drivers out there.

The reasoning insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally 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 Farmers 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 large impact on your monthly car insurance bill? Typically, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing a collision and filing an insurance claim.

In this case, neither Allied Property & Casualty or Farmers 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 car annually, with average premiums of $118 per month for both.

Allied Property & Casualty or Farmers: 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 insurance, but the type of area you live in can have a pretty big impact as well. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads where they live.

Allied Property & Casualty tends to offer the lowest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Allied Property & Casualty's average prices are about $117 a month compared to Farmers's $251. Drivers in suburban ZIP codes pay a monthly rate of around $121 with Allied Property & Casualty compared to $189 with Farmers. If you live in a rural area, you can expect to pay about $117 per month with Allied Property & Casualty and $170 with Farmers.

Allied Property & Casualty vs. Farmers 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 insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard 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 looked at all of the different discounts Allied Property & Casualty and Farmers offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

Farmers blows Allied Property & Casualty away when it comes to the sheer amount of discounts available, offering 12 more discounts than Allied Property & Casualty.

A couple of those are overlapping for things like discounts for being a defensive driver, EFT discounts, discounts for being a good driver, and discounts for being a homeowner. Farmers also offers discounts for ABS, alternative fuel, anti-theft, and more.

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

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

So, you've seen how different variables can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. But, at the end of the day, which company is the right one for you and your specific driver profile?

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

• Your driving record includes a DUI charge.
• You want the most robust protection via a "full coverage" policy.
• Your neighborhood is in a rural area.

Farmers might be best for you if...

• You're thinking about moving to another state -- undefined only offers policies to residents.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Allied Property & Casualty and Farmers and that it aids in making a more informed decision about your car 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 a handful of carriers, not just Allied Property & Casualty and Farmers. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. Farmers FAQs

Is Allied Property & Casualty or Farmers cheaper?

Allied Property & Casualty is the more affordable of the two carriers when looking at national average premiums, with policies averaging $118 per month with Allied Property & Casualty and $203 for Farmers. That being said, that doesn't mean Allied Property & Casualty will be the cheapest company for each policyholder, since there are multiple different factors that come into play when it comes to your auto insurance payment.

Who is better, Allied Property & Casualty or Farmers?

Unfortunately, the only answer we can give you is "it depends.". No one carrier is "better" for every policyholder -- it all depends on what your unique insurance profile looks like.

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

Auto insurance companies use several different variables when calculating the rates they charge. Factors like age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and Farmers calculate premiums using different variables, 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 lots of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies 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 information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best company for you isn't Allied Property & Casualty or Farmers 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.