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

Quick Facts

• Looking at the national averages for car insurance, Allied Property & Casualty offers significantly more affordable rates than National Mutual
• Allied Property & Casualty tends to be a much cheaper option for policyholders who live in urban areas
• National Mutual may help you save more money -- they offer more discounts than Allied Property & Casualty Insurance Company

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

Are you considering 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 your search down to Allied Property & Casualty or National Mutual, but between the two, which carrier has less expensive prices for auto insurance?

Looking at nationwide averages, Allied Property & Casualty has average rates that are around 40% a month more affordable than those from National Mutual.

That being said, that doesn't mean Allied Property & Casualty will necessarily be less expensive than National Mutual for every single driver. Car insurance carriers use a variety of complex algorithms to determine premiums, so depending on how clean your driving record is or where you live (among several other factors), you could see wildly different prices from the ones above.

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

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

Allied Property & Casualty and National Mutual 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 $60 more affordable than insurance prices at National Mutual.

But there's more to calculating auto insurance premiums than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any group out there on the road. Normally, that's because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of almost 50% less per month by choosing Allied Property & Casualty over National Mutual.

Even so, with both companies, you'll see your rates lower significantly by the time you turn 25. For example, average prices for Allied Property & Casualty policyholders decrease nearly 55% and National Mutual's premiums reduce over 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable auto insurance prices you'll ever find. After all, they've likely been driving for quite some time, which typically decreases their chances of collisions and other infractions that can raise rates.

When looking at Allied Property & Casualty and National Mutual specifically, which carrier is best for retired drivers? Allied Property & Casualty gets the edge, with premiums for drivers 65 and older $45 cheaper than the national average for National Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for single policyholders than they are for married couples. That's because policies for married drivers usually cover multiple vehicles, which many carriers will give you a discount for.

For those who are single, the difference in average prices between these two companies is significant, with Allied Property & Casualty rates coming in at about half of National Mutual's. The advantage for married policyholders with Allied Property & Casualty is also obvious, where drivers save around $55 a month.

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

Men tend to pay more for car insurance than women. That's because men are more likely to get tickets and get into collisions, which raises the chances of filing a claim with insurance.

On average, men see prices about $6 per month higher with Allied Property & Casualty, and more than $20 with National Mutual.

Looking at the data for each company specifically, Allied Property & Casualty offers the lowest average premiums for both men and women. On average, women save about $76 a month and men save around $91 with Allied Property & Casualty compared to the average National Mutual policyholder.

Allied Property & Casualty vs. National 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.

For most people, auto insurance isn't the easiest topic to understand. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

But most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability limits, Allied Property & Casualty has the significant edge, with average monthly prices 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 National Mutual's $308.

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

You've probably seen plenty of commercials from car insurance carriers offering great premiums 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 accidents and speeding tickets on your record, but which of these two companies offers the cheapest rates to 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 around 21% after getting a speeding ticket. National Mutual policyholders can expect a less drastic increase of about 8%.

Even so, Allied Property & Casualty tends to offer the best prices for both drivers who have clean records and those with a recent ticket -- their rates are around 41% less expensive for drivers with clean records and 31% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in an accident can expect to see their prices rise by over $40, while those who have insurance through National Mutual will see around a $75 increase.

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 National Mutual Insurance's $207.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- typically a lot more than a collision or speeding ticket. On average, National Mutual will raise your rates about 60% after a DUI, while Allied Property & Casualty's average premiums increase 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 National Mutual's $325.

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

Did you know many insurance carriers take your credit score into account when determining prices? This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it will come into play for quite a few policyholders.

The reasoning auto 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 premiums, while those with poor credit will normally be forced to pay more.

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

The amount of time you spend behind the wheel of your car plays a big role in your monthly insurance payment. That's because the more milage you put on your car each year, the more likely you are to be in an accident and file an insurance claim.

In this case, neither Allied Property & Casualty or National Mutual report increasing rates for drivers with higher annual mileage figures. Allied Property & Casualty comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $118 a month for both.

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

Where your home is can play a sizable role in how much you pay for auto insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Allied Property & Casualty boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Allied Property & Casualty's average rates are about $117 while National Mutual offers prices around $214. People in suburban areas pay a monthly premium of about $121 with Allied Property & Casualty compared to $201 with National Mutual. Those in rural areas can expect to pay around $117 per month with Allied Property & Casualty and $189 with National Mutual.

Allied Property & Casualty vs. National Mutual Discounts

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

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allied Property & Casualty and National Mutual so that you can find the one that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, National Mutual comes out ahead with 19 discounts to Allied Property & Casualty's 16.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and discounts for insuring multiple cars with the same company -- but National Mutual also offers discounts for anti-theft, claim free, continuous insurance, and more.

On the other hand, Allied Property & Casualty has a few proprietary discounts of their own for things like distant student discounts, employee discounts, good driving discounts, and more.

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

So, you've seen how different variables can affect your auto insurance premiums. We've broken down the different discounts each carrier offers, too. But, at the end of the day, is Allied Property & Casualty or National Mutual the best company for you and your specific driver profile?

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

• You've been pulled over for speeding recently.
• Your neighborhood is in a city.
• You're of retirement age and want to take advantage of lower prices.

National Mutual might be best for you if...

• You're looking for discounts -- National Mutual has the most.

Hopefully, this guide has ben a valuable resource as you compare Allied Property & Casualty and National Mutual. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from multiple companies, not just Allied Property & Casualty and National Mutual. Luckily, sites like Compare.com make 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 carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. National Mutual FAQs

Is Allied Property & Casualty or National Mutual cheaper?

Allied Property & Casualty is the less expensive of the two companies when looking at national average rates, with policies averaging $118 per month with Allied Property & Casualty and $201 for National Mutual. That being said, that doesn't mean Allied Property & Casualty will be the cheapest company for every driver, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

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

Sadly, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

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

Auto insurance carriers use a lot of different variables when calculating the premiums they charge. Things like your driving record, age, gender, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Allied Property & Casualty and National Mutual calculate rates using different formulas, 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 a variety of different companies.

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

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