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

Quick Facts

• Looking at the national averages for car insurance, Allied Property & Casualty offers significantly cheaper premiums than Motorists
• Allied Property & Casualty has less expensive prices for single people who will be the only person on the auto insurance policy
• Allied Property & Casualty offers more affordable premiums for policyholders who live in rural neighborhoods

Allied Property & Casualty or Motorists: 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 hefty 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 Motorists as potential options, but which company will save you the most?

Looking at the national average rates for both carriers, Allied Property & Casualty is quite a bit cheaper than Motorists, with rates averaging $118 a month compared to $251 with Motorists.

But Allied Property & Casualty may not be the cheapest or best option for each driver out there. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your driving record, your credit score, or even where you call home (among other things), so prices could differ drastically from person to person.

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

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

Allied Property & Casualty and Motorists 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 prices are $33 more affordable than auto insurance rates at Motorists.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Allied Property & Casualty save almost 45% per month compared to those who use Motorists.

That being said, both carriers will reduce premiums by the time drivers turn 25. For example, average rates for Allied Property & Casualty policyholders decrease nearly 55% and Motorists's premiums drop almost 45% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices out there.

So, which company offers the best premiums to retired drivers? Allied Property & Casualty gets the edge here, with average prices coming in at around $89 monthly compared to Motorists's $219.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive car insurance rates than those who are single. That's typically because married policyholders tend to own and insure more than one vehicle, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Allied Property & Casualty rates coming in at about half of Motorists's. The advantage for married drivers with Allied Property & Casualty is also obvious, where drivers save over 55% a month.

Allied Property & Casualty or Motorists: Average Rates by Gender

Because women are less likely to get tickets and get into collisions, they have a decreased chance of filing a claim with insurance. So, insurance carriers will tend to offer women more affordable premiums.

Typically, women see prices around $6 per month cheaper with Allied Property & Casualty, and about $10 with Motorists.

Looking at overall affordability, Allied Property & Casualty comes out as the cheapest option for both genders. On average, male drivers save about $136 a month and women save around $130 with Allied Property & Casualty compared to the average Motorists policyholder.

Allied Property & Casualty vs. Motorists: 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 so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

Even so, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Allied Property & Casualty has the significant edge, with average monthly premiums 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 about $167 per month to Motorists's $379.

Is Allied Property & Casualty or Motorists 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.

It's no secret secret that collisions and speeding tickets lead to higher rates, but which carrier -- Allied Property & Casualty or Motorists -- has the lowest premiums 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 usually expect their monthly bill to go up around 21% after getting a speeding ticket. Motorists policyholders can expect a less drastic increase of about 10%.

However, Allied Property & Casualty is normally the less expensive option for drivers both with a ticket and with a clean record, offering prices that are $92 and $89 more affordable, respectively, compared to Motorists Insurance Group.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in an accident can expect to see their rates rise by over 35%, while those who have insurance through Motorists will see around a 20% increase.

At the end of the day, Allied Property & Casualty offers the most affordable prices for drivers with an at-fault collision on their records, with average premiums coming in at $119 compared to Motorists Insurance Group's $206.

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 speeding ticket or even a collision. On average, Motorists will climb your rates about 62% 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 rates, Allied Property & Casualty tends to be cheaper for the average driver, with monthly premiums coming in at around $179 to Motorists's $442.

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

Did you know many insurance companies take into account your credit score when determining premiums? This isn't true for everyone (for example, Michigan and California are two states that ban the practice entirely), but it will come into play for lots of policyholders.

The reasoning car insurance carriers 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 typically be forced to pay more.

So, which company offers the best premiums for policyholders 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 Motorists Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly auto insurance bill. Usually, those who drive less will end up with more affordable prices since there's less of a chance of causing an accident and filing 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 premiums for Motorists, with drivers who put 6,000 miles on their car yearly paying about $10 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Allied Property & Casualty is the less expensive carrier.

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

Where you call home can have a large impact on your monthly car insurance payment. Normally, those who live in urban areas will pay more than drivers in rural areas because of the number of vehicles that are on the roads where they live.

When comparing these two companies 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.

Those in rural areas can expect to save around $135 with Allied Property & Casualty compared to Motorists. People who live in suburban areas pay about $94 less with Allied Property & Casualty compared to Motorists. For policyholders in urban ZIP codes, Allied Property & Casualty Insurance Company's average rates are around $169 less than Motorists Insurance Group.

Allied Property & Casualty vs. Motorists Discounts

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

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allied Property & Casualty and Motorists 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 Motorists's 14.

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

On the other hand, Motorists has a few proprietary discounts of their own for things like ABS discounts, anti-theft discounts, empty nester discounts, and more.

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

So, you've seen how different variables can affect your insurance premiums. We've shown you all the discounts each carrier offers, too. But, at the end of the day, which insurance company is the best fit for you?

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

• Your driving record includes a DUI charge.
• You're looking for the best prices on liability only coverage.
• You have a short drive to work everyday.

Motorists 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 Motorists and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Allied Property & Casualty and Motorists. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Allied Property & Casualty vs. Motorists FAQs

Is Allied Property & Casualty or Motorists cheaper?

Allied Property & Casualty is the more affordable of the two carriers when looking at national average rates, with policies averaging $118 a month with Allied Property & Casualty and $251 for Motorists. Even so, that doesn't mean Allied Property & Casualty will be the lowest carrier for everyone, since there are lots of different factors that are considered when it comes to your car insurance bill.

Who is better, Allied Property & Casualty or Motorists?

Sadly, the only answer we can give you is "it depends.". No single company is necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile.

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

Insurance companies use quite a few different variables when calculating the prices they charge. Things such as age, where your home is, gender, your driving record, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and Motorists calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

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

The only way to find the car insurance company 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 area information and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Allied Property & Casualty or Motorists 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.