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

Quick Facts

• Looking at the national averages for insurance, Allied Property & Casualty offers significantly less expensive premiums than State Auto
• Allied Property & Casualty offers more affordable average rates for drivers with a DUI charge on their record
• State Auto offers more discounts than Allied Property & Casualty Insurance Company

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

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

You've maybe even narrowed your search down to Allied Property & Casualty or State Auto as potential options, but which one has cheaper prices for car insurance?

As you can see, State Auto is quite a bit more expensive than Allied Property & Casualty, with premiums averaging $259 per month compared to just $118 with Allied Property & Casualty when looking at the national average rates for insurance.

Even so, that doesn't mean Allied Property & Casualty will necessarily be more affordable than State Auto for every driver. Auto insurance companies vary their rates depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and a variety of other factors. So, at the end of the day, premiums from each company will differ quite a bit from person to person.

Wanting to know if Allied Property & Casualty or State Auto 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 State Auto: Average Car Insurance Rates by State

Allied Property & Casualty and State Auto only compete against each other in two states, with Allied Property & Casualty offering less expensive rates to the average driver in all of them. Ohio has the most noticable difference, where Allied Property & Casualty premiums are over 50% cheaper than insurance rates at State Auto.

But there's more to auto insurance than just where you live. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your prices. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

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 nearly $500 a month compared to those who use State Auto.

But both companies will offer you dramatically lower rates by the time you turn 25. For example, average prices for Allied Property & Casualty policyholders decrease more than $100 and State Auto's rates drop about $500 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Allied Property & Casualty and State Auto specifically, which company is best for retired drivers? Allied Property & Casualty gets the edge, with rates for drivers 65 and older $78 more affordable than the national average for State Auto.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive auto insurance prices than married couples. That's because policies for married drivers typically cover several cars, which many carriers will offer you a discount for.

When it comes to relationship status, Allied Property & Casualty is the clear winner for single drivers, with premiums around $191 per month cheaper than State Auto, on average. The advantage is also clear for married policyholders - Allied Property & Casualty offers the cheapest average rates.

Allied Property & Casualty vs. State Auto: 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 car insurance men will usually end up paying a little more.

Usually, women see premiums about $6 a month less expensive with Allied Property & Casualty, and almost $25 with State Auto.

Looking at the data for each carrier specifically, Allied Property & Casualty comes out on top for both men and women, with average prices 55% less for men and 53% cheaper for women.

Allied Property & Casualty or State Auto: 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 insurance can be a complicated subject for most people. Everyone needs auto insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum limits for liability insurance, Allied Property & Casualty typically offers significantly more affordable rates of $69 compared to State Auto's $149. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies around $200 per month cheaper than State Auto, on average.

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

You've probably seen plenty of commercials from car insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and accidents will most likely raise your premiums, but is Allied Property & Casualty or State Auto less expensive 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 State Auto generally raises premiums about $48 per month, on average.

However, Allied Property & Casualty has cheaper rates for drivers in both categories, offering prices that are 55% and 55% more affordable, respectively, compared to State Auto Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with State Auto climbing by just under $100. Allied Property & Casualty has a less extreme rise, but you can still expect to pay over $40 more than you were prior to your first collision.

Overall, Allied Property & Casualty offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $119 compared to State Auto Insurance's $269.

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 speeding ticket when it comes to your auto insurance bill. For example, State Auto increases average premiums by more than $200 a month -- that's over a 55% increase.

If you have a DUI on your record and are looking for more affordable rates, Allied Property & Casualty tends to be the much less expensive option with average prices of $179 monthly compared to $380 from State Auto.

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

Did you know that many insurance companies take your credit score into account when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of drivers.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which company offers the best rates for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty or State Auto 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 pretty big impact on how much auto insurance companies will charge for coverage? Normally, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of getting into a collision and causing an insurance claim.

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

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

Where you park your vehicle can have a substantial impact on your monthly car insurance payment. Usually, those who live in rural areas will pay less than policyholders in urban areas because of the small number of cars that are on the roads in those areas.

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

In urban areas, Allied Property & Casualty Insurance Company's average prices are around $200 less than State Auto Insurance. Drivers in suburban ZIP codes pay about $115 less with Allied Property & Casualty compared to State Auto. If you live in a rural area, you can expect to save around $108 with Allied Property & Casualty compared to State Auto.

Allied Property & Casualty vs. State Auto 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 utilizing as many auto insurance discounts as you can.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

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

Overall, State Auto comes out ahead with 18 discounts to Allied Property & Casualty's 16.

There are a couple discounts both carriers offer, but State Auto also offers ABS discounts, advantage program discounts, anti-theft 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, group discounts, discounts for being a homeowner, and more.

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

So, you've seen how different variables can affect your car insurance premiums. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which company is the best carrier for you and your specific profile and needs?

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

• You haven't received any speeding tickets or been in an accident in the last few years.
• You want basic insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your car insurance.

State Auto might be best for you if...

• You're looking for discounts -- State Auto has the most.

We hope this guide has ben a valuable resource as you compare Allied Property & Casualty and State Auto. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of companies, not just Allied Property & Casualty and State Auto. 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 carriers in your area, all for free.

Allied Property & Casualty vs. State Auto FAQs

Is Allied Property & Casualty or State Auto cheaper?

Looking just at the national average rates, Allied Property & Casualty is the less expensive of the two companies, offering average rates of $118 a month compared to $259 for State Auto. That being said, Allied Property & Casualty won't necessarily be the cheapest carrier for every policyholder, 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 State Auto?

Unfortunately, the real answer is "it depends.". No one company is "better" for everyone -- it all depends on what your unique insurance profile looks like.

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

Auto insurance carriers take a look at several different variables when determining the prices they charge drivers. Factors like age, where you live, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Allied Property & Casualty and State Auto calculate rates differently, 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 variety of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Allied Property & Casualty or State Auto 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.