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

Quick Facts

• In general, Allied Property & Casualty offers significantly less expensive prices than Hastings Mutual
• Allied Property & Casualty has more affordable premiums for policyholders who don't have any speeding tickets, DUIs, or at-fault collisions on their record
• Allied Property & Casualty may help you save more money -- they offer more discounts than Hastings Mutual Insurance Company

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

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Allied Property & Casualty or Hastings Mutual as your top options, but which carrier has cheaper prices for car insurance?

Looking at nationwide averages, Allied Property & Casualty is quite a bit cheaper than Hastings Mutual, with premiums averaging $118 a month compared to $211 with Hastings Mutual.

However, Allied Property & Casualty may not be the lowest or best option for each driver out there. Auto insurance carriers use all sorts of complex algorithms to determine rates, so depending on how old you are or how clean your driving record is (among a multitude of other factors), you could see wildly different premiums from the ones above.

Wanting to know if Allied Property & Casualty or Hastings Mutual is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

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

Allied Property & Casualty and Hastings Mutual only compete against each other in one states, with Hastings Mutual offering more affordable rates to the average driver in all of them. Ohio has the most noticable difference, where Hastings Mutual prices are $3 cheaper than insurance premiums at Allied Property & Casualty.

But there's more to car 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 rates. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. That's normally because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. As you can see above, teens who use Allied Property & Casualty save almost 35% per month compared to those who use Hastings Mutual.

Even so, with both carriers, you'll see your rates decrease significantly by the time drivers turn 25. For example, average prices for Allied Property & Casualty policyholders drop nearly 55% and Hastings Mutual's rates reduce over 45% over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best prices to retired drivers? Allied Property & Casualty gets the edge here, with average premiums coming in at around $89 a month compared to Hastings Mutual's $167.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically more expensive for single drivers than they are for married policyholders? That's because policies for married couples usually cover several vehicles, which quite a few companies will give you a discount for.

For single policyholders, the difference in average premiums between these two carriers is significant, with Allied Property & Casualty prices coming in at about half of Hastings Mutual's. The advantage for married drivers with Allied Property & Casualty is also obvious, where drivers save almost 50% a month.

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

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll typically end up paying more for car insurance than women.

With Allied Property & Casualty, women generally pay around $6 per month less than men, and about $5 cheaper with Hastings Mutual when compared to their male counterparts.

When it comes to the lowest rates for each gender, Allied Property & Casualty comes out as the most affordable option for both genders, with average premiums 43% less for men and 45% cheaper for women.

Allied Property & Casualty vs. Hastings 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.

It's no secret that insurance can be pretty complicated. 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 an accident.

But most policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, 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 Hastings Mutual's $279.

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

You've probably seen plenty of commercials from auto insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Accidents and speeding tickets will most likely raise your premiums, but is Allied Property & Casualty or Hastings 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 insurance can normally expect their monthly bill to go up about 21% after getting a speeding ticket. Hastings Mutual policyholders can expect a less drastic increase of around 16%.

Even so, Allied Property & Casualty tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are 29% and 24% cheaper, respectively, compared to Hastings Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

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

At the end of the day, Allied Property & Casualty offers the cheapest rates for drivers with an at-fault collision on their records, with average prices coming in at $119 compared to Hastings Mutual Insurance Company's $126.

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 speeding ticket when it comes to your auto insurance bill. On average, Hastings Mutual will raise your premiums around 77% after a DUI, while Allied Property & Casualty's average prices climb by more than 55%.

But if you end up with a DUI charge and are looking for more affordable premiums, Allied Property & Casualty tends to be less expensive for the average driver, with monthly premiums coming in at about $179 to Hastings Mutual's $478.

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

Did you know many car insurance carriers take into account your credit score when determining rates? Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it will come into play for lots of policyholders.

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, drivers with bad credit will often be forced to pay more.

Looking specifically at Allied Property & Casualty and Hastings Mutual, which company has the best premiums 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 Hastings Mutual 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 big impact on how much insurance companies will charge for coverage? Typically, the more milage you put on your vehicle, the more you can expect to pay for car insurance.

In this case, neither Allied Property & Casualty or Hastings Mutual 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 every year, with average rates of $118 per month for both.

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

Where you call home can play a substantial role in how much you pay for insurance. Normally, those who live in rural areas will pay less than drivers in urban areas due to the small number of vehicles that are on the roads where they live.

Allied Property & Casualty tends to offer the lowest prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Allied Property & Casualty Insurance Company's average premiums are around $174 less than Hastings Mutual Insurance Company. People who live in suburban areas pay about $56 less with Allied Property & Casualty compared to Hastings Mutual. Those in rural areas can expect to save around $47 with Allied Property & Casualty compared to Hastings Mutual.

Allied Property & Casualty vs. Hastings 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. That's where car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allied Property & Casualty and Hastings Mutual so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Allied Property & Casualty blows Hastings Mutual away when it comes to the sheer amount of discounts available, offering 16 different discounts to Hastings Mutual's 10.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and passive restraint discounts. Allied Property & Casualty also offers discounts for advance quote, distant student, EFT, and more.

On the other hand, Hastings Mutual has a few proprietary discounts of their own for things like ABS discounts, anti-theft discounts, company car discounts, and more.

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

You've seen the role certain variables have on your auto insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the best one for you, your vehicle, and your wallet?

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

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• Your home is located in the suburbs.
• You live in a rural neighborhood.

Hastings Mutual might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Allied Property & Casualty and Hastings Mutual 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 several companies, not just Allied Property & Casualty and Hastings Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes 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. Hastings Mutual FAQs

Is Allied Property & Casualty or Hastings Mutual cheaper?

Allied Property & Casualty is the more affordable of the two companies when looking at national average rates, with policies averaging $118 a month with Allied Property & Casualty and $211 for Hastings Mutual. But that doesn't mean Allied Property & Casualty will be the cheapest carrier for each driver, since there are a variety of different factors that come into play when it comes to your insurance bill.

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

Sadly, the real answer is "it depends.". Neither company is necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile.

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

Insurance carriers use many different variables when calculating the premiums they charge. Things like age, where you park your car, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and Hastings Mutual use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto insurance company 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, 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 Hastings 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.