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

Quick Facts

• In general, Allied Property & Casualty offers significantly more affordable prices than GEICO
• Allied Property & Casualty offers more affordable rates for drivers who have an at-fault accident on their record
• GEICO offers more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty vs. GEICO: Which Company has the Cheapest Car Insurance?

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

You might have narrowed your search down to Allied Property & Casualty or GEICO for your next policy, but which company will save you the most?

Looking at the national average rates for both companies, GEICO is quite a bit more expensive than Allied Property & Casualty, with premiums averaging $185 per month compared to just $118 with Allied Property & Casualty.

Even so, that doesn't mean Allied Property & Casualty will necessarily be cheaper than GEICO for each driver. Car insurance carriers use all sorts of complex algorithms to calculate rates, so depending on how good your credit score is or where you live (among multiple other factors), you could see wildly different prices from the ones above.

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

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

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

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance companies determine your premiums. 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. It's 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.

However, 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 auto insurance pay nearly $150 less than those who use GEICO.

But both carriers will offer you dramatically lower rates by the time you turn 25. For example, average prices for Allied Property & Casualty policyholders decrease more than $100 and GEICO's premiums lower about $200 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 prices you'll ever see.

When looking at Allied Property & Casualty and GEICO specifically, which carrier is best for retired drivers? Allied Property & Casualty gets the edge here, with average rates coming in at around $89 per month compared to GEICO's $148.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for single drivers than they are for married drivers. This usually boils down to married couples having more than one car on their policy -- something many insurance companies will reward with discounts.

When it comes to relationship status, Allied Property & Casualty is the clear winner for single policyholders, with rates about $72 a month less expensive than GEICO, 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. GEICO: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into collisions. That means when it comes to car insurance men will generally end up paying a little more.

Men normally pay around $6 per month more than women with Allied Property & Casualty, and about $8 more with GEICO.

When it comes to the lowest premiums for each gender, Allied Property & Casualty comes out on top for both men and women. On average, women save about $66 a month and men save around $68 with Allied Property & Casualty compared to the average GEICO policyholder.

Allied Property & Casualty or GEICO: 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 insurance can be a complicated subject for most people. There are so many different coverages and limits that it can make it pretty confusing to find the right policy.

That being said, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability coverage).

If you're looking for state minimum liability insurance, Allied Property & Casualty usually offers significantly more affordable rates of $69 compared to GEICO's $101. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies about $100 per month cheaper than GEICO, on average.

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

It's no big secret that drivers who are accident-free get better deals on their auto 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 accidents will most likely raise your premiums, but is Allied Property & Casualty or GEICO more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their prices to go up an average of $21 a month if they get a ticket, while GEICO generally raises premiums around $35 per month, on average.

Even so, Allied Property & Casualty is normally the less expensive option for drivers both with clean records and with a speeding ticket, offering prices that are $38 and $52 cheaper, respectively, compared to GEICO.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault collision with GEICO increasing by $85. Allied Property & Casualty has a less extreme increase, but you can still expect to pay over $40 more than you were prior to your first accident.

Overall, the less expensive premiums come from Allied Property & Casualty, with monthly rates averaging $119 compared to GEICO's $200.

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. GEICO drivers usually see a 58% increase in their car insurance prices after a DUI charge, while Allied Property & Casualty will typically climb rates by about 57%.

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

Often times, your credit score can be used as one of the factors to calculate your monthly auto insurance prices. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for several drivers.

Car insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable premiums.

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

How much you drive can have a considerable impact on your monthly insurance bill. Usually, those who drive fewer miles will end up with less expensive premiums since there's less of a chance of getting into a collision and causing 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 GEICO, with policyholders who drive 6,000 miles yearly paying around $8 less each 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. GEICO: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can have a large impact on your monthly auto insurance payment. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers due to the small number of vehicles that are on the roads in those areas.

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

For drivers in urban ZIP codes, Allied Property & Casualty's average prices are about $117 a month compared to GEICO's $211. People in suburban areas pay around $121 with Allied Property & Casualty compared to GEICO's $185 monthly. If you live in a rural area, you can expect to pay about $117 a month with Allied Property & Casualty compared to GEICO's $159.

Allied Property & Casualty vs. GEICO 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 where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you qualify for.

Below, we've broken down all of the different discounts offered by both Allied Property & Casualty and GEICO so that you can find the carrier that has the most discounts and, therefore, the biggest savings.

GEICO knocks Allied Property & Casualty out of the park when it comes to the sheer number of discounts available, offering 28 different discounts to Allied Property & Casualty's 28.

There are a couple discounts both companies offer, but GEICO also offers ABS discounts, anti-theft discounts, commercial drivers license discounts, and more that Allied Property & Casualty does not.

On the flip side, Allied Property & Casualty has a couple unique discounts of its own -- advance quote discounts, discounts for being a homeowner, intra-agency transfer discounts, and more.

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

So, we've broken down the average premiums for many of the variables auto insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, which carrier is the right company for you, your vehicle, and your wallet?

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

• You're single and purchasing insurance by yourself.
• You live in an urban area.
• You are over 65 years old and want to save some money on your auto insurance.

GEICO might be best for you if...

• You already have plans to move to another state -- undefined only offers policies to residents.
• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Allied Property & Casualty and GEICO and that you can now make a more informed decision when it comes to your insurance.

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

Allied Property & Casualty vs. GEICO FAQs

Is Allied Property & Casualty or GEICO cheaper?

Looking just at the national average prices, Allied Property & Casualty is the more affordable of the two companies, offering average rates of $118 per month compared to $185 for GEICO. That being said, Allied Property & Casualty won't necessarily be the most affordable company for every driver, since there are a range of different factors that come into play when it comes to your car insurance cost.

Who is better, Allied Property & Casualty or GEICO?

Sadly, the real answer is "it depends.". No single carrier is "better" for each driver -- it all comes down to what your unique insurance profile looks like.

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

Car insurance carriers take a look at quite a few different variables when calculating the rates they charge policyholders. Things such as your driving record, age, gender, where you call home, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and GEICO calculate premiums differently, 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 many different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from a handful of 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 ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Allied Property & Casualty or GEICO 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.