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

Quick Facts

• In general, Allied Property & Casualty offers significantly less expensive premiums than Ohio Mutual
• Allied Property & Casualty tends to be a much cheaper option for drivers with a DUI charge on their record
• Ohio Mutual offers more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty vs. Ohio Mutual: 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 substantial discounts, but exactly how much money can you save by switching?

You might be considering Allied Property & Casualty or Ohio Mutual as potential options, but which one has more affordable prices for auto insurance?

As you can see, Ohio Mutual has average rates that are about 22% per month more expensive than those from Allied Property & Casualty when looking at the national average rates for insurance.

However, that doesn't necessarily mean Allied Property & Casualty will be the less expensive option for every driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your age, your credit score, your driving record, or even where you call home (among other things), so rates will vary quite a bit from person to person.

Wanting to know if Allied Property & Casualty or Ohio Mutual is really the right company 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 or Ohio Mutual: Average Car Insurance Rates by State

Allied Property & Casualty and Ohio Mutual only compete against each other in Ohio, where Allied Property & Casualty offers the cheaper average premiums. For Ohio residents, Allied Property & Casualty offers car insurance for $100 monthly on average. Ohio Mutual's average prices come out to be over 50% more expensive, at $152 per month.

There's a lot more that goes into your auto insurance cost than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group out there on the road. Generally, that's because young, inexperienced 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. Just look at the table above -- where 18-year-old drivers who have Allied Property & Casualty for their car insurance pay nearly $60 less than those who use Ohio Mutual.

That being said, both carriers will offer you dramatically lower prices by the time drivers turn 25. Ohio Mutual offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Allied Property & Casualty still has the lowest premiums at $110 a month.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Allied Property & Casualty and Ohio Mutual? Allied Property & Casualty gets the edge, with premiums for drivers 65 and older more than 20% more affordable than the national average for Ohio Mutual.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are normally more expensive for single policyholders than they are for married drivers? That's because policies for married policyholders usually cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Allied Property & Casualty is the clear winner for those who are single, with premiums around $36 a month cheaper than Ohio Mutual, on average. The advantage is also clear for married couples - Allied Property & Casualty offers the most affordable average rates.

Allied Property & Casualty vs. Ohio Mutual: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to insurance men will normally end up paying a little more.

Men typically pay about 5% more per month than women with Allied Property & Casualty, and around 5% with Ohio Mutual.

Looking at overall affordability, Allied Property & Casualty comes out as the cheapest option for both genders, with average premiums $35 less for men and $33 cheaper for women.

Allied Property & Casualty or Ohio 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 auto insurance can be pretty complicated. There are a variety of different coverages that account for multiple different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

Even so, most policies end up falling into two different types of coverage -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Allied Property & Casualty generally offers slightly less expensive prices of $69 compared to Ohio Mutual's $74. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies about $65 a month cheaper than Ohio Mutual, on average.

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

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

Tickets and accidents will most likely raise your rates, but is Allied Property & Casualty or Ohio Mutual more affordable for drivers with less-than-perfect 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 per month if they get a ticket, while Ohio Mutual usually raises rates around $21 a month, on average.

But Allied Property & Casualty tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering premiums that are 8% and 7% less expensive, respectively, compared to Ohio Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in a collision can expect to see their prices climb by over $40, while those who have insurance through Ohio Mutual will see about a $40 increase.

Overall, drivers who use Allied Property & Casualty end up with the cheaper prices after an accident, with monthly premiums averaging $119 compared to Ohio Mutual Insurance Company's $125.

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 insurance bill -- typically a lot more than an accident or ticket. On average, Ohio Mutual will increase your rates around 71% after a DUI, while Allied Property & Casualty's average prices increase by over 55%.

If you have a DUI on your record and are looking for more affordable rates, Allied Property & Casualty tends to be the much more affordable option with average premiums of $179 monthly compared to $293 from Ohio Mutual.

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

In many cases, your credit score can be used as one of the factors to calculate your monthly car insurance rates. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few policyholders.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper prices.

So, which carrier offers the lowest premiums for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Allied Property & Casualty. Drivers with "excellent" credit can save 4% compared to Ohio Mutual, and those with "good" scores can also expect to see savings -- about $18 or 15% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Allied Property & Casualty typically offers lower rates than Ohio Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay around $28 per month less with Allied Property & Casualty compared to Ohio Mutual, and those with "poor" scores usually save an average of about $83 a month.

Is Allied Property & Casualty or Ohio 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 car insurance payment. Generally, the more miles you put on your vehicle each year, the more you can expect to pay for insurance.

In this case, neither Allied Property & Casualty or Ohio Mutual report increasing premiums for drivers with higher annual mileage figures. That being said, 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 annually, with average prices of $118 a month for both.

Allied Property & Casualty vs. Ohio Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a big impact on your monthly auto insurance bill. Normally, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads in those areas.

Allied Property & Casualty tends to offer the lowest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Allied Property & Casualty Insurance Company's average prices are around 25% less than Ohio Mutual Insurance Company. Drivers in suburban ZIP codes pay about 21% less with Allied Property & Casualty compared to Ohio Mutual. If you live in a rural area, you can expect to save around 20% with Allied Property & Casualty compared to Ohio Mutual.

Allied Property & Casualty vs. Ohio Mutual Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where auto insurance discounts comes into play.

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

In the section below, we've compared all of the different discounts offered by Allied Property & Casualty and Ohio Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Overall, Ohio Mutual comes out ahead with 17 discounts to Allied Property & Casualty's 16.

A couple of those are overlapping for things like distant student discounts, discounts for being a good student, and paperless discounts. Ohio Mutual also offers ABS discounts, anti-theft discounts, attentive driver discounts, and more that Allied Property & Casualty does not.

On the flip side, Allied Property & Casualty has a couple unique discounts of its own -- EFT discounts, employee discounts, discounts for being a good driver, and more.

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

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

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

• You want to save money on your car insurance after a collision.
• Your home is located in the suburbs.
• You're married and plan to have both of your names on the vehicle's insurance policy.

Ohio Mutual might be best for you if...

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

We hope this guide helps you get a better idea of the difference between Allied Property & Casualty and Ohio Mutual and that you can now make a more informed decision when it comes to your auto 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 insurance -- comparing quotes from a handful of companies, not just Allied Property & Casualty and Ohio Mutual. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. Ohio Mutual FAQs

Is Allied Property & Casualty or Ohio Mutual cheaper?

Looking just at the national average prices, Allied Property & Casualty is the less expensive of the two companies, offering average rates of $118 per month compared to $152 for Ohio Mutual. That being said, Allied Property & Casualty won't necessarily be the cheapest company for everyone, since there are a bunch of 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 Ohio Mutual?

Sadly, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

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

Insurance carriers take a look at several different variables when calculating the rates they charge drivers. Factors such as gender, where you live, your driving record, age, and sometimes even things like your credit score can all come into play. Both Allied Property & Casualty and Ohio Mutual calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which company 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 Ohio Mutual is right for me?

The only way to find the auto 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, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be Allied Property & Casualty or Ohio Mutual 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.