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

Quick Facts

• Looking at the national averages for insurance, Allied Property & Casualty offers significantly more affordable prices than Travelers
• Allied Property & Casualty tends to be a much less expensive option for drivers who have a speeding ticket on their driving record
• Travelers may help you save more money -- they offer more discounts than Allied Property & Casualty Insurance Company

Allied Property & Casualty or Travelers: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You might be considering Allied Property & Casualty or Travelers, but which carrier has cheaper rates for auto insurance?

Looking at the national average rates for both carriers, Travelers has average rates that are around 30% a month more expensive than those from Allied Property & Casualty.

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

Wanting to know if Allied Property & Casualty or Travelers is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

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

Allied Property & Casualty and Travelers only compete against each other in one states, with Travelers offering cheaper premiums to the average driver in all of them. Ohio has the most noticable difference, where Travelers rates are $2 more affordable than car insurance prices at Allied Property & Casualty.

That being said, there are plenty of other factors that go into your auto insurance cost than just where you call home. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

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

But 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 over 35% per month compared to those who use Travelers.

However, both carriers will reduce prices by the time drivers turn 25. Travelers offers the steepest reduction, 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 most affordable rates at $110 monthly.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest premiums you'll ever find.

But who has the best prices for retired drivers between Allied Property & Casualty and Travelers? Allied Property & Casualty gets the edge, with rates for drivers 65 and older $43 cheaper than the national average for Travelers.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance premiums than married drivers. This usually boils down to married policyholders having multiple vehicles on their policy -- something a lot of car insurance companies will reward with discounts.

For single drivers, the difference in average prices between these two carriers is significant, with Allied Property & Casualty rates coming in at a quarter less than Travelers's. The advantage is also clear for married couples - Allied Property & Casualty offers the lowest average premiums.

Allied Property & Casualty or Travelers: Average Rates by Gender

Did you know men typically pay more for auto insurance than women? That's because men are more likely to get into accidents and get tickets, which increases the chances of filing a claim with insurance.

On average, women see prices about 5% a month less with Allied Property & Casualty, and around 6% less with Travelers when compared to their male counterparts.

Looking at overall affordability, Allied Property & Casualty comes out as the most affordable option for both genders. On average, women save about $46 per month and men save about $51 with Allied Property & Casualty compared to the average Travelers policyholder.

Allied Property & Casualty vs. Travelers: 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.

Insurance can be a complicated subject for most people. There are a bunch of different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

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

Looking specifically at state minimum limits for liability insurance, 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 around $167 a month to Travelers's $225.

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

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

Speeding tickets and at-fault collisions will most likely raise your prices, but is Allied Property & Casualty or Travelers less expensive for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allied Property & Casualty for their car insurance can generally expect their monthly bill to go up about 21% after getting a speeding ticket. Travelers policyholders can expect a less drastic increase of around 20%.

That being said, Allied Property & Casualty tends to offer the best prices for both drivers who have clean records and those with a recent ticket -- their rates are around 40% more affordable for drivers with clean records and 39% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allied Property & Casualty drivers who get in a collision can expect to see their rates climb by over $40, while those who have insurance through Travelers will see about a $45 increase.

At the end of the day, Allied Property & Casualty offers the cheapest premiums for drivers with an at-fault collision on their records, with average prices coming in at $119 compared to Travelers's $173.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, Allied Property & Casualty will climb your rates around 57% after a DUI, while Travelers's average premiums increase by nearly 40%.

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

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it will come into play for several policyholders.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Allied Property & Casualty or Travelers 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 substantial impact on your monthly premiums? Normally, the more milage you put on your car each year, the more you can expect to pay for coverage.

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 prices for Travelers, with drivers who put 6,000 miles on their vehicle yearly paying about $5 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Allied Property & Casualty is the cheaper company.

Allied Property & Casualty or Travelers: 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 big impact as well. Typically, 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 where they live.

Allied Property & Casualty tends to offer the lowest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Allied Property & Casualty's average prices are around $117 while Travelers offers rates about $204. People in suburban areas pay a monthly premium of around $121 with Allied Property & Casualty compared to $160 with Travelers. Those in rural areas can expect to pay about $117 per month with Allied Property & Casualty compared to Travelers's $136.

Allied Property & Casualty vs. Travelers Discounts

No matter 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 you can. That's where insurance discounts comes into play.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Allied Property & Casualty and Travelers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Travelers knocks Allied Property & Casualty out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Allied Property & Casualty.

Both carriers offer several of the same discounts -- like discounts for being a defensive driver, EFT discounts, discounts for being a good driver, and discounts for insuring multiple cars with the same company -- but Travelers also offers discounts for ABS, alternative fuel, anti-theft, and more.

On the other hand, Allied Property & Casualty has a few proprietary discounts of their own for things like employee discounts, homeowner discounts, intra-agency transfer discounts, and more.

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

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

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

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You're looking for the best prices on liability only coverage.
• Your neighborhood is in a rural area.

Travelers might be best for you if...

• You're thinking about moving to another state -- undefined only offers policies to residents.
• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Allied Property & Casualty and Travelers. We also hope we've given you the information you need to make the best decision about 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 car insurance -- comparing quotes from a handful of companies, not just Allied Property & Casualty and Travelers. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Allied Property & Casualty vs. Travelers FAQs

Is Allied Property & Casualty or Travelers cheaper?

Allied Property & Casualty is the more affordable of the two companies when looking at national average rates, with policies averaging $118 per month with Allied Property & Casualty and $167 for Travelers. However, that doesn't mean Allied Property & Casualty will be the most affordable carrier for everyone, since there are many different variables that are considered when it comes to your insurance payment.

Who is better, Allied Property & Casualty or Travelers?

Sadly, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

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

Insurance carriers use many different factors when determining the prices they charge. Variables such as gender, where your home is, your driving record, age, and sometimes even things like your credit score can all be used. Both Allied Property & Casualty and Travelers use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Allied Property & Casualty or Travelers 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 area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best carrier for you isn't Allied Property & Casualty or Travelers 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.