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

Quick Facts

• Based on national averages for car insurance, Allied Property & Casualty offers significantly more affordable prices than State Farm
• Allied Property & Casualty offers more affordable premiums for drivers who have received a ticket within the last few years
• State Farm offers more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty vs. State Farm: 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 big discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Allied Property & Casualty or State Farm for your next policy, but which company will save you the most?

Looking at nationwide averages, State Farm is quite a bit more expensive than Allied Property & Casualty, with rates averaging $158 per month compared to just $118 with Allied Property & Casualty.

However, that doesn't necessarily mean Allied Property & Casualty will be the cheaper 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 driving record, your credit score, or even where you call home (among other things), so premiums could change drastically from person to person.

Luckily, we've broken down average prices from both Allied Property & Casualty and State Farm by lots of different rate factors, so read on to find out which carrier is the best for you.

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

Allied Property & Casualty and State Farm only compete against each other in three 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 prices are over 30% cheaper than insurance premiums at State Farm.

There's a lot more that goes into your car insurance payment than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually 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 an accident that results in an auto insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Allied Property & Casualty over State Farm.

Even so, both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for Allied Property & Casualty policyholders reduce nearly 55% and State Farm's rates drop almost 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which normally reduces their chances of accidents and other infractions that can increase prices.

When looking at Allied Property & Casualty and State Farm specifically, which company is best for retired drivers? Allied Property & Casualty gets the edge here, with average rates coming in at about $89 monthly compared to State Farm's $111.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be more expensive for single policyholders than they are for married policyholders. That's usually because married couples tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Allied Property & Casualty is the clear winner for those who are single, with rates around $47 per month less expensive than State Farm, on average. The advantage is also clear for married drivers - Allied Property & Casualty offers the cheapest average prices.

Allied Property & Casualty vs. State Farm: Average Rates by Gender

Women generally to pay less for insurance than men. This is because men are statistically more likely than women to get tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher premiums.

With Allied Property & Casualty, women typically pay about 5% a month less than men, and around 7% less with State Farm.

Looking at the data for each carrier specifically, Allied Property & Casualty offers the most affordable average prices for both men and women. On average, male drivers save about $43 per month and women save about $37 with Allied Property & Casualty compared to the average State Farm policyholder.

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

That being said, most policies that many drivers look at fall into two categories -- 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 -- in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Allied Property & Casualty normally offers significantly more affordable rates of $69 compared to State Farm's $99. When it comes to full coverage policies with similar limits, Allied Property & Casualty again has the edge, with policies around $50 a month cheaper than State Farm, on average.

Is Allied Property & Casualty or State Farm 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.

Tickets and collisions will most likely raise your prices, but is Allied Property & Casualty or State Farm more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allied Property & Casualty policyholders can expect their premiums to go up an average of $21 per month if they get a ticket, while State Farm typically raises rates about $21 a month, on average.

But Allied Property & Casualty tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 43% less expensive for drivers with clean records and 37% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Allied Property & Casualty can expect to see around an $42 -- or about 35% -- increase in their car insurance prices. Drivers who use State Farm for their insurance will see a monthly bill around $29 (or 18%) more expensive after reporting a collision to their car insurance company.

Overall, Allied Property & Casualty offers the lowest rates for drivers with an at-fault accident on their records, with monthly premiums averaging $119 compared to State Farm's $163.

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 auto insurance bill. Allied Property & Casualty drivers usually see a 57% climb in their insurance prices after a DUI charge, while State Farm will normally raise premiums by about 25%.

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

You may not have known, but your credit score can be used as one of the factors to calculate your monthly auto insurance rates. This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it does affect a lot of drivers out there.

Car insurance companies 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.

Looking at Allied Property & Casualty and State Farm specifically, which one has the most affordable premiums 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 State Farm 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 considerable impact on how much auto insurance carriers will charge for coverage? That's because the fewer miles you put on your vehicle, the less likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Allied Property & Casualty charges. However, there's a small difference in monthly rates for State Farm, with policyholders who drive the least paying around $13 less every month compared to those who drive 12,000 miles each year. Still, Allied Property & Casualty is the less expensive option for drivers in both categories.

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

Where you live can have a large impact on your monthly car insurance cost. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer cars on the road in those areas, which lowers the chances of an accident.

Allied Property & Casualty tends to offer the most affordable premiums 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 rates are about 37% less than State Farm. Drivers in suburban ZIP codes pay around 25% less with Allied Property & Casualty compared to State Farm. If you live in a rural area, you can expect to save about 8% with Allied Property & Casualty compared to State Farm.

Allied Property & Casualty vs. State Farm 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. That's where auto 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 company that has the most discounts for your unique driver profile.

Below, we've broken down all of the different discounts offered by both Allied Property & Casualty and State Farm so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

State Farm knocks Allied Property & Casualty out of the park when it comes to the sheer number of discounts available, offering 23 different discounts to Allied Property & Casualty's 23.

A couple of those are overlapping for things like discounts for being a good driver, discounts for being a good student, and multi-policy discounts. State Farm also offers ABS discounts, annual mileage 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 -- advance quote discounts, EFT discounts, employee discounts, and more.

Final Thoughts: Is Allied Property & Casualty or State Farm 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 State Farm the best company for you and your specific driver profile?

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

• You have received a ticket within the last few years.
• You have less-than-stellar credit.
• You're married and plan to have both of your names on the vehicle's insurance policy.

State Farm might be best for you if...

• You're planning on moving to another state soon -- undefined only offers policies to residents.
• You have above-average credit.
• You're looking for the carrier with the most discounts.

We hope this guide helps you get a good idea of the differences between Allied Property & Casualty and State Farm. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

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

Is Allied Property & Casualty or State Farm cheaper?

Looking just at the national average prices, Allied Property & Casualty is the more affordable of the two carriers, offering average rates of $118 per month compared to $158 for State Farm. Even so, Allied Property & Casualty won't necessarily be the lowest company for every driver, since there are a range of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allied Property & Casualty or State Farm?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not "better" for each driver -- it all comes down to what your unique car insurance profile looks like. For example, Allied Property & Casualty offers less expensive rates for drivers with a recent DUI, while State Farm is more affordable for drivers with excellent credit.

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

Auto insurance companies take a look at quite a few different variables when calculating the prices they charge drivers. Factors like age, where your home is, gender, your driving record, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and State Farm use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the insurance carrier 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 make it easy for you to do just that. Just enter your ZIP code 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 company for you might not be Allied Property & Casualty or State Farm 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.