Allied Property & Casualty vs. North Carolina Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• In general, Allied Property & Casualty offers slightly cheaper premiums than North Carolina Farm Bureau
• Allied Property & Casualty offers more affordable prices for drivers who have less-than-stellar credit
• North Carolina Farm Bureau has less expensive rates for policyholders who haven't received any speeding tickets or been in an accident in the last few years

Allied Property & Casualty vs. North Carolina Farm Bureau: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Allied Property & Casualty or North Carolina Farm Bureau, but which one will save you the most?

As you can see, Allied Property & Casualty is about $12 per month more affordable than North Carolina Farm Bureau when looking at the national average rates for auto insurance.

But that doesn't necessarily mean Allied Property & Casualty will be the cheaper option for each driver. Insurance companies vary their premiums depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and all sorts of other factors, so prices could vary drastically from person to person.

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

Allied Property & Casualty or North Carolina Farm Bureau: Average Car Insurance Rates by State

Allied Property & Casualty and North Carolina Farm Bureau only compete against each other in North Carolina, where North Carolina Farm Bureau offers the cheaper average prices. For North Carolina residents, North Carolina Farm Bureau offers car insurance for $130 a month on average. Allied Property & Casualty's average premiums come out to be more expensive, at $131 per month.

There's a lot more that goes into your insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. It's usually because young, inexperienced 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. Just look at the table above -- where 18-year-old drivers who have North Carolina Farm Bureau for their auto insurance pay nearly $50 less than those who use Allied Property & Casualty.

That being said, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Allied Property & Casualty policyholders reduce more than $100 and North Carolina Farm Bureau's premiums lower around $65 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Allied Property & Casualty and North Carolina Farm Bureau specifically, which carrier is best for retired drivers? Allied Property & Casualty gets the edge here, with average premiums coming in at about $89 monthly compared to North Carolina Farm Bureau's $120.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are normally more expensive for single drivers than they are for married drivers? This usually boils down to married couples having several cars on their policy -- something many car insurance companies will reward with discounts.

When it comes to relationship status, the two carriers are comparable for those who are single, with rates only differing around $1 a month, on average. But for married policyholders, the advantage is clear - Allied Property & Casualty offers the lowest average premiums.

Allied Property & Casualty vs. North Carolina Farm Bureau: Average Rates by Gender

Men typically pay more for insurance than women. This is because women are less likely to get speeding tickets and get into collisions, which decreases the chances of an insurance claim.

On average, men see rates about 5% per month higher with Allied Property & Casualty; everyone gets the same monthly prices regardless of gender with North Carolina Farm Bureau.

When it comes to the cheapest rates for each gender, Allied Property & Casualty comes out on top for both men and women. On average, women save about $15 a month and men save around $9 with Allied Property & Casualty compared to the average North Carolina Farm Bureau policyholder.

Allied Property & Casualty or North Carolina Farm Bureau: 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 terms and limits that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum liability limits, Allied Property & Casualty generally offers less expensive prices of $69 compared to North Carolina Farm Bureau's $78. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies about $15 per month more affordable than North Carolina Farm Bureau, on average.

Is Allied Property & Casualty or North Carolina Farm Bureau Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that collisions and tickets lead to higher premiums, but which company -- Allied Property & Casualty or North Carolina Farm Bureau -- has the lowest rates 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 North Carolina Farm Bureau normally raises premiums around $29 per month, on average.

If you have a clean record, North Carolina Farm Bureau tends to offer the best rates at about 8% cheaper, while Allied Property & Casualty has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Both companies will raise prices pretty significantly if you get into an at-fault accident with Allied Property & Casualty raising by over $40. North Carolina Farm Bureau has a less extreme increase, but you can still expect to pay just under $30 more than you were prior to your first collision.

Overall, drivers who use North Carolina Farm Bureau end up with the cheaper prices after an accident, with monthly premiums averaging $100 compared to Allied Property & Casualty Insurance Company's $119.

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 -- usually a lot more than an accident or ticket. For example, North Carolina Farm Bureau increases average rates by nearly $200 a month -- that's over a 70% increase.

If you have a DUI on your record and are looking for more affordable premiums, Allied Property & Casualty tends to be the much less expensive option with average prices of $179 per month compared to $250 from North Carolina Farm Bureau.

How does Credit Score Impact Allied Property & Casualty and North Carolina Farm Bureau Rates?

You may not realized it, but your credit score can be used as one of the factors to calculate your monthly auto insurance premiums. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of drivers.

The reasoning car insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable rates.

So, which carrier offers the most affordable prices for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Allied Property & Casualty. Policyholders with "excellent" credit can save 3% compared to North Carolina Farm Bureau, and those with "good" scores can also expect to see savings -- around $6 or 5% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Allied Property & Casualty typically offers lower rates than North Carolina Farm Bureau when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $1 per month less with Allied Property & Casualty compared to North Carolina Farm Bureau, and those with "poor" scores usually save an average of around $35 a month.

Is Allied Property & Casualty or North Carolina Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on how much insurance companies will charge for coverage. That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither Allied Property & Casualty or North Carolina Farm Bureau report increasing premiums 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 car every year, with average prices of $118 a month for both.

Allied Property & Casualty vs. North Carolina Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a pretty big impact on your monthly car insurance payment. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more vehicles on the roads in those areas.

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

Drivers in urban ZIP codes see the cheapest prices from both companies, but Allied Property & Casualty comes out on top with average rates about $117 monthly. Allied Property & Casualty also has more affordable average prices for policyholders in suburban and rural ZIP codes -- a 15% and 7% per month respective difference when compared to North Carolina Farm Bureau drivers in similar areas.

Allied Property & Casualty vs. North Carolina Farm Bureau Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by taking advantage of as many auto insurance discounts as you can.

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're eligible for.

In the table below, we've taken a look at all of the different discounts Allied Property & Casualty and North Carolina Farm Bureau offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Allied Property & Casualty blows North Carolina Farm Bureau away when it comes to the sheer amount of discounts available, offering 16 different discounts to North Carolina Farm Bureau's three.

Both carriers offer quite a few of the same discounts -- like passive restraint discounts -- but Allied Property & Casualty also offers advance quote discounts, defensive driver discounts, distant student discounts, and more that North Carolina Farm Bureau does not.

On the flip side, North Carolina Farm Bureau has a couple unique discounts of its own -- paid in full discounts and protection plus discounts.

Final Thoughts: Is Allied Property & Casualty or North Carolina Farm Bureau Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts companies offer. But, at the end of the day, is Allied Property & Casualty or North Carolina Farm Bureau the right carrier for you and your specific profile and needs?

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

• You're single and purchasing insurance by yourself.
• Your neighborhood is in the suburbs.
• You live in a rural area.

North Carolina Farm Bureau might be best for you if...

• You have a clean record.
• You want to save money on your auto insurance after an accident.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a better idea of the difference between Allied Property & Casualty and North Carolina Farm Bureau 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 auto insurance policy is to compare quotes from multiple carriers, not just Allied Property & Casualty and North Carolina Farm Bureau. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Allied Property & Casualty vs. North Carolina Farm Bureau FAQs

Is Allied Property & Casualty or North Carolina Farm Bureau cheaper?

Looking just at the national average premiums, Allied Property & Casualty is the less expensive of the two carriers, offering average rates of $118 a month compared to $130 for North Carolina Farm Bureau. Even so, Allied Property & Casualty won't necessarily be the lowest carrier for each driver, since there are many different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or North Carolina Farm Bureau?

Unfortunately, the only answer we can give you is "it depends.". No single company is necessarily "better" for every driver -- it all comes down to what your unique auto insurance profile looks like. For example, North Carolina Farm Bureau offers more affordable prices for policyholders with an at-fault accident on their record, while Allied Property & Casualty is cheaper for drivers who have less-than-stellar credit scores.

Why do Allied Property & Casualty and North Carolina Farm Bureau offer me different rates?

Insurance companies take a look at quite a few different variables when calculating the premiums they charge drivers. Factors like where you live, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Allied Property & Casualty and North Carolina Farm Bureau calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a range of different carriers.

How do I know if Allied Property & Casualty or North Carolina Farm Bureau 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 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 free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Allied Property & Casualty or North Carolina Farm Bureau 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.