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

Quick Facts

• Looking at the national averages for auto insurance, Allied Property & Casualty offers significantly less expensive prices than Penn National
• Allied Property & Casualty tends to be a much more affordable option for drivers who have a speeding ticket on their driving record
• Allied Property & Casualty offers cheaper average premiums for drivers who have below-average credit

Allied Property & Casualty or Penn National: 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 big savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Allied Property & Casualty or Penn National for your next policy, but between the two, which carrier will save you the most?

Looking at nationwide averages, Penn National has average rates that are around 45% a month more expensive than those from Allied Property & Casualty.

But that doesn't mean Allied Property & Casualty will necessarily be more affordable than Penn National for each driver. Car insurance carriers vary their rates depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and all sorts of other factors, so prices could vary drastically from person to person.

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

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

Allied Property & Casualty and Penn National only compete against each other in one states, with Allied Property & Casualty offering less expensive rates to the average driver in all of them. North Carolina has the most noticable difference, where Allied Property & Casualty premiums are $21 cheaper than auto insurance prices at Penn National.

There are plenty of other factors that go into your insurance bill than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any group out there on the road. That's usually 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.

That being said, 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 Penn National.

However, both companies will lower premiums once you turn 25. Penn National offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Allied Property & Casualty still has the lowest prices at $110 per month.

Which is the Best Company for Retired Drivers?

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

When looking at Allied Property & Casualty and Penn National specifically, which carrier is best for retired drivers? Allied Property & Casualty gets the edge, with premiums for drivers 65 and older $74 less expensive than the national average for Penn National.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for those who are single than they are for married policyholders? That's normally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For single policyholders, the difference in average premiums between these two carriers is significant, with Allied Property & Casualty prices coming in at about half of Penn National's. The advantage is also clear for married drivers - Allied Property & Casualty offers the most affordable average rates.

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

Men are statistically more likely than women to get speeding tickets and get into collisions, which means they'll typically end up paying more for auto insurance than women.

On average, men see prices around 5% a month higher with Allied Property & Casualty, and about 2% more with Penn National.

Looking at the data for each company specifically, Allied Property & Casualty comes out as the cheapest option for both genders. On average, women save about $100 per month and men save around $99 with Allied Property & Casualty compared to the average Penn National policyholder.

Allied Property & Casualty vs. Penn National: 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, car insurance isn't the easiest topic to understand. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability coverage).

Looking specifically at state minimum liability limits, 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 a month to Penn National's $292.

Is Allied Property & Casualty or Penn National 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 accidents and speeding tickets lead to higher rates, but which carrier -- Allied Property & Casualty or Penn National -- has the most affordable 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 insurance can usually expect their monthly bill to go up around 21% after getting a speeding ticket. Penn National policyholders can expect a bit more drastic of an increase of about 22%.

Even so, Allied Property & Casualty has more affordable rates for drivers in both categories, offering prices that are $62 and $81 cheaper, respectively, compared to Penn National Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Allied Property & Casualty can expect to see around an $42 -- or about 35% -- rise in their insurance premiums. Drivers who use Penn National for their auto insurance will see a monthly bill around $67 (or 33%) more expensive after reporting an accident to their car insurance company.

At the end of the day, drivers who use Allied Property & Casualty end up with the cheaper prices after an accident, with average rates coming in at $119 compared to Penn National Insurance's $206.

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 auto insurance bill -- typically a lot more than a collision or ticket. For example, Penn National increases average prices by more than $200 per month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Allied Property & Casualty tends to be more affordable for the average driver, with monthly premiums coming in at about $179 to Penn National's $346.

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

Did you know many car insurance companies take into account your credit score when determining prices? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for quite a few drivers.

The reasoning insurance companies use is that policyholders 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 usually be forced to pay more.

Looking specifically at Allied Property & Casualty and Penn National, which one has the best rates for drivers 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 Penn National 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 auto insurance cost. That's because the fewer miles you put on your vehicle, the less likely you are to be in an accident and file an insurance claim.

In this case, neither Allied Property & Casualty or Penn National report increasing prices for drivers with higher annual mileage figures. Still, 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 premiums of $118 a month for both.

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

Where your home is can play a pretty big role in how much you pay for car insurance. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of vehicles that are on the roads where they live.

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

Those in rural areas can expect to pay around $117 monthly with Allied Property & Casualty and $165 with Penn National. People in suburban areas pay a monthly premium of about $121 with Allied Property & Casualty compared to $212 with Penn National. In urban areas, Allied Property & Casualty's average premiums are around $117 per month compared to Penn National's $275.

Allied Property & Casualty vs. Penn National Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Allied Property & Casualty and Penn National offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Discounts for being a defensive driver, discounts for being a good student, and group discounts are offered by both carriers.

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

So, we've broken down the average prices for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, which carrier is the best one for you and your specific needs?

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

• You have an at-fault collision on your record.
• You want the most robust protection via a "full coverage" policy.
• You don't spend much time in your car.

Penn National 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 Penn National and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from a handful of carriers, not just Allied Property & Casualty and Penn National. 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. Penn National FAQs

Is Allied Property & Casualty or Penn National cheaper?

Allied Property & Casualty is the cheaper of the two carriers when looking at national average premiums, with policies averaging $118 a month with Allied Property & Casualty and $218 for Penn National. But that doesn't mean Allied Property & Casualty will be the most affordable company for each policyholder, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

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

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

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

Car insurance companies use many different factors when calculating the prices they charge. Variables such as gender, age, your driving record, where you live, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and Penn National calculate rates using different factors, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies 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 information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best company for you isn't Allied Property & Casualty or Penn National 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.