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

Quick Facts

• In general, Nodak offers slightly more affordable premiums than Allied Property & Casualty
• Allied Property & Casualty may help you save more money -- they offer more discounts than Nodak Insurance Company
• Nodak offers more affordable prices for single people who will be the only person on the car insurance policy

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

Are you in the market for 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 Nodak for your next policy, but which carrier will save you the most?

Looking at nationwide averages, Allied Property & Casualty is around $7 more a month than Nodak.

That being said, that doesn't necessarily mean Nodak will be the less expensive option for each driver. Insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and all sorts of other factors. So, at the end of the day, rates 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 Nodak is really the best for you, keep reading to see average prices for each company broken down by many different rate factors.

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

Allied Property & Casualty and Nodak only compete against each other in North Dakota, where Nodak offers the cheaper average rates. Nodak drivers tend to pay about $12 per month less on average compared to drivers who use Allied Property & Casualty for their car insurance.

That being said, there are plenty of other factors that go into your auto insurance bill than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use Nodak save 15% a month compared to those who use Allied Property & Casualty.

But with both companies, you'll see your prices drop significantly once you turn 25. For example, average rates for Allied Property & Casualty policyholders reduce about $100 and Nodak's prices lower around $100 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 lowest premiums you'll ever see.

So, which carrier offers the best prices to retired drivers? Nodak gets the slight edge, with premiums for drivers 65 and older about 6% cheaper than the national average for Allied Property & Casualty.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more affordable for married policyholders than they are for those who are single. This usually boils down to married drivers having multiple vehicles on their policy -- something quite a few auto insurance carriers will reward with discounts.

When it comes to relationship status, Nodak is the winner for single drivers, with premiums almost 10% per month less expensive than Allied Property & Casualty, on average.

Allied Property & Casualty or Nodak: Average Rates by Gender

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

Typically, men see prices around 5% a month higher with Allied Property & Casualty, and about 4% with Nodak.

When it comes to the most affordable rates for each gender, Nodak comes out on top for both men and women. On average, women save about $6 per month and men save around $7 with Nodak compared to the average Allied Property & Casualty policyholder.

Allied Property & Casualty vs. Nodak: 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.

Auto insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

However, most policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside what you get with a liability policy).

When it comes to state minimum liability limits, Nodak has the edge, while Allied Property & Casualty offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $35 with Nodak Insurance Company, while full coverage comes out to be about $20 cheaper with Allied Property & Casualty Insurance Company.

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

It's no secret -- drivers with good records end up getting the best deals on their car 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 prices, but which company -- Allied Property & Casualty or Nodak -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Allied Property & Casualty for their auto insurance can usually expect their monthly bill to go up around 21% after getting a speeding ticket. Nodak policyholders can expect a less drastic increase of about 16%.

Even so, Allied Property & Casualty is normally the less expensive option for both drivers who have clean records and those with a recent ticket, offering prices that are $13 and $9 cheaper, respectively, compared to Nodak Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Allied Property & Casualty can expect to see around an $42 -- or about 35% -- rise in their car insurance rates. Drivers who use Nodak for their auto insurance will see a monthly bill around $17 (or 16%) more expensive after reporting a collision to their insurance carrier.

At the end of the day, the more affordable premiums come from Nodak, with average prices coming in at $107 compared to Allied Property & Casualty Insurance Company's $119.

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 an accident. For example, Allied Property & Casualty increases average rates by more than $100 a month -- that's more than a 55% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Nodak tends to be less expensive for the average driver, with monthly premiums coming in at about $141 to Allied Property & Casualty's $179.

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

In many cases, your credit score can be used as one of the variables to determine your monthly car insurance rates. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it might come into play for a lot of policyholders.

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

Looking specifically at Allied Property & Casualty and Nodak, which one has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Nodak will usually reward you the most. For drivers with "excellent" credit scores, Nodak comes in nearly 38.3 cheaper. Drivers with "good" credit scores typically save around 21% with Nodak compared to average rates from Allied Property & Casualty.

Which Company is Best for Drivers with Bad Credit?

If you have a below average credit score, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay about 11% less with Nodak than Allied Property & Casualty, but those whose credit is considered "poor" have it flipped -- saving around 23% per month with Allied Property & Casualty.

Is Allied Property & Casualty or Nodak Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on how much car insurance companies will charge for coverage. Generally, those who drive less will end up with more affordable prices since there's less of a chance of causing a collision 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 Nodak, with policyholders who drive 6,000 miles yearly paying about $7 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Nodak is the cheaper company.

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

Where you park your car can have a pretty big impact on your monthly auto insurance payment. Normally, those who live in rural areas will pay less than policyholders in urban areas due to the small number of vehicles that are on the roads where they live.

Nodak tends to offer the cheapest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Nodak Insurance Company's average rates are around $6 less than Allied Property & Casualty Insurance Company. People who live in suburban areas pay about $10 less with Nodak compared to Allied Property & Casualty. Those in rural areas can expect to save around $5 with Nodak compared to Allied Property & Casualty.

Allied Property & Casualty vs. Nodak 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.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allied Property & Casualty and Nodak so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

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

There are a couple discounts both carriers offer, but Allied Property & Casualty also offers discounts for advance quote, distant student, employee discount, and more.

On the other hand, Nodak has a few proprietary discounts of their own for things like driver training discounts, low mileage discounts, and loyalty discounts.

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

So, we've broken down the average premiums for many of the factors car insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the right carrier for you and your specific driver profile?

Nodak might be best for you if....

• You have above-average credit.
• You live in a rural area.
• You drive often but have a short commute.

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

• You have a speeding ticket on your driving record.
• You want the most robust protection via a "full coverage" policy.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Hopefully, this guide helps you get a better idea of the difference between Allied Property & Casualty and Nodak and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of carriers, not just Allied Property & Casualty and Nodak. 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 insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. Nodak FAQs

Is Allied Property & Casualty or Nodak cheaper?

Nodak is the more affordable of the two carriers when looking at national average prices, with policies averaging $111 a month with Nodak and $118 for Allied Property & Casualty. But that doesn't mean Nodak will be the most affordable company for everyone, since there are a variety of different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or Nodak?

Unfortunately, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, Allied Property & Casualty is less expensive for drivers who have less-than-stellar credit scores, while Nodak offers cheaper rates for policyholders with an at-fault collision on their record.

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

Auto insurance companies use many different factors when determining the prices they charge. Variables such as where you live, gender, age, where you call home, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and Nodak calculate premiums using different factors, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from multiple different carriers.

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

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