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

Quick Facts

• Based on national averages for auto insurance, Allied Property & Casualty offers significantly less expensive rates than Progressive
• Allied Property & Casualty offers cheaper average premiums for drivers who have received a ticket within the last few years
• Progressive offers more affordable prices for drivers with a DUI charge on their record

Allied Property & Casualty vs. Progressive: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might be considering Allied Property & Casualty or Progressive as your top options, but which carrier has more affordable rates for insurance?

Looking at the national average rates for both companies, Progressive is quite a bit more expensive than Allied Property & Casualty, with premiums averaging $180 per month compared to just $118 with Allied Property & Casualty.

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

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

Allied Property & Casualty and Progressive only compete against each other in three states, with Allied Property & Casualty offering cheaper premiums to the average driver in all of them. North Carolina has the most noticable difference, where Allied Property & Casualty prices are over 20% more affordable than auto insurance rates at Progressive.

That being said, there's a lot more that goes into your insurance cost than just the state you live in. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use Allied Property & Casualty save more than $200 a month compared to those who use Progressive.

Even so, both companies will drop rates by the time drivers turn 25. For example, average prices for Allied Property & Casualty policyholders reduce over $100 and Progressive's premiums lower about $300 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Allied Property & Casualty and Progressive? Allied Property & Casualty gets the edge, with premiums for drivers 65 and older more than 30% cheaper than the national average for Progressive.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive auto insurance prices than single drivers. That's because policies for married couples usually cover more than one car, which lots of carriers will offer you a discount for.

When it comes to relationship status, Allied Property & Casualty is the clear winner for single policyholders, with rates around $85 per month more affordable than Progressive, on average. The advantage for married drivers with Allied Property & Casualty is also obvious, where drivers save over $30 a month.

Allied Property & Casualty vs. Progressive: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to insurance men will generally end up paying a little more.

On average, women see prices about 5% per month less with Allied Property & Casualty, and around 3% less with Progressive when compared to their male counterparts.

Looking at overall affordability, Allied Property & Casualty comes out as the lowest option for both genders. On average, women save about $63 a month and men save about $62 with Allied Property & Casualty compared to the average Progressive policyholder.

Allied Property & Casualty or Progressive: 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.

Car insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy.

But most policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum limits for liability insurance, Allied Property & Casualty normally offers significantly less expensive rates of $69 compared to Progressive's $111. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies around $85 per month cheaper than Progressive, on average.

Is Allied Property & Casualty or Progressive 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 premiums, but is Allied Property & Casualty or Progressive 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 a month if they get a ticket, while Progressive typically raises rates about $31 per month, on average.

Even so, Allied Property & Casualty has cheaper premiums for drivers in both categories. Drivers with a clean record can save around $72 a month and drivers with a speeding ticket can save about $82 per month with Allied Property & Casualty 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 Progressive will see around a $65 increase.

Overall, Allied Property & Casualty offers the most affordable rates for drivers with an at-fault accident on their records, with monthly premiums averaging $119 compared to Progressive's $214.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your insurance bill. On average, Allied Property & Casualty will climb your prices about 57% after a DUI, while Progressive's average premiums increase by over 15%.

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

Did you know that many auto insurance companies take your credit score into account when calculating rates? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for several 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 prices, while those with poor credit will usually be forced to pay more.

Looking at Allied Property & Casualty and Progressive specifically, which one has the cheapest rates 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 Progressive Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly premiums? That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Allied Property & Casualty or Progressive report increasing prices 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 yearly, with average rates of $118 a month for both.

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

We've already mentioned how your home state can play a role in how much you pay for car insurance, but the type of area you live in can have a sizable impact as well. Generally, those who live in rural areas will pay less than drivers in urban areas because of the small number of vehicles that are on the roads in those areas.

Allied Property & Casualty tends to offer the lowest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Allied Property & Casualty's average premiums are around $117 per month compared to Progressive's $207. Drivers in suburban ZIP codes pay about $121 with Allied Property & Casualty compared to Progressive's $179 monthly. If you live in a rural area, you can expect to pay around $117 per month with Allied Property & Casualty and $154 with Progressive.

Allied Property & Casualty vs. Progressive Discounts

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

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

In the section below, we've compared all of the different discounts offered by Allied Property & Casualty and Progressive so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Progressive knocks Allied Property & Casualty out of the park when it comes to the sheer number of discounts available, offering 34 different discounts to Allied Property & Casualty's 34.

A couple of those are overlapping for things like discounts for being a defensive driver, EFT discounts, discounts for being a good driver, and discounts for being a homeowner. Progressive also offers ABS discounts, advanced safety feature discounts, agency transfer discounts, and more that Allied Property & Casualty does not.

On the flip side, Allied Property & Casualty has a couple unique discounts of its own -- employee discounts, intra-agency transfer discounts, life policy discounts, and more.

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

You've seen the effect certain variables have on your insurance and the different discounts companies offer. That's all well and good, but when it comes down to it, which insurance company is the right company for you and your specific driver profile?

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

• You have a clean driving record, free of collisions, tickets, or DUIs.
• Your credit score is high.
• You have a short commute.

Progressive might be best for you if...

• You're thinking about moving to another state -- undefined only offers policies to residents.
• You have a DUI charge on your record.
• You're looking for discounts -- Progressive has the most.

We hope this guide has ben a valuable resource as you compare Allied Property & Casualty and Progressive. We also hope we've given you the information you need to make the best 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 several carriers, not just Allied Property & Casualty and Progressive. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Allied Property & Casualty vs. Progressive FAQs

Is Allied Property & Casualty or Progressive cheaper?

Looking just at the national average prices, Allied Property & Casualty is the less expensive of the two carriers, offering average rates of $118 a month compared to $180 for Progressive. However, Allied Property & Casualty won't necessarily be the cheapest carrier for each policyholder, since there are multiple 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 Progressive?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for every driver -- it all depends on what your unique car insurance profile looks like. For example, Progressive offers more affordable rates for drivers with a recent DUI, while Allied Property & Casualty is less expensive for drivers with excellent credit.

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

Auto insurance companies take a look at many different variables when determining the premiums they charge policyholders. Things like age, gender, your driving record, where your home is, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and Progressive use different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

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

The only way to find the 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, sites like Compare.com do 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. With those, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be Allied Property & Casualty or Progressive 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.