Allstate vs. American Select: Which Company is the Best Fit for You?

If you're in the market for a new car insurance policy, you might be wondering how American Select and Allstate compare when it comes to the cheapest rates and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • In general, American Select offers less expensive premiums than Allstate
  • Allstate may help you save more money -- they offer more discounts than American Select Insurance Company
  • American Select has cheaper prices for policyholders who live in rural neighborhoods


Allstate or American Select: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You might have narrowed your search down to Allstate or American Select as your top options, but between the two, which carrier will save you the most?

Allstate American Select
$199$170

Looking at nationwide averages, American Select has average rates that are around 15% a month more affordable than those from Allstate.

But that doesn't mean American Select will necessarily be cheaper than Allstate for every driver. Insurance carriers use tons of complex algorithms to determine rates, so depending on how good your credit score is or how old you are (among numerous other factors), you could see wildly different premiums from the ones above.

So, if you want to find out which of Allstate or American Select is really the best for you, keep reading to see average prices for each carrier broken down by many different rate factors.

Allstate vs. American Select: Average Car Insurance Rates by State

State Allstate American Select
IN$160$122
KY$269$253
OH$153$122
PA$233$180
TN$193$133

Allstate and American Select compete against each other in five states, with American Select offering more affordable premiums to the average driver in all of them. Tennessee has the most noticable difference, where American Select rates are $60 less expensive than car insurance prices at Allstate.

There are plenty of other factors that go into your insurance payment than just where you call home. Keep reading to find out more.


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Which is the Best Company For Young Drivers?

Allstate American Select
18-year-old drivers$448$311
25-year-old drivers$167$165

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers out there on the road. Usually, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 30% less per month by choosing American Select over Allstate.

Even so, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Allstate policyholders lower about $300 and American Select's rates decrease nearly $150 over that time.

Which is the Best Company for Retired Drivers?

Allstate American Select
65+-year-old drivers$152$136

Drivers around retirement age generally enjoy some of the lowest insurance premiums you can 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 rates.

But who has the best premiums for retired drivers between Allstate and American Select? American Select gets the edge here, with average prices coming in at around $136 a month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Allstate American Select
Single$231$191
Married$155$143

Did you know that car insurance premiums are typically more expensive for single drivers than they are for married couples? That's normally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with American Select rates coming in at about 15% less than Allstate's. But for married policyholders, that advantage is much less clear - American Select offers the most affordable average premiums.

Allstate or American Select: Average Rates by Gender

Allstate American Select
Male$203$171
Female$194$170

Men tend to pay more for auto insurance than women. This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher prices.

Women typically pay around $10 a month less than men with Allstate, and about $1 less with American Select.

Looking at the data for each company specifically, American Select offers the lowest average rates for both men and women, with average prices $32 less for men and $24 cheaper for women.


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Allstate vs. American Select: Compare State Minimum vs. Full Coverage Rates

Allstate American Select
State Minimum*$108$90
Full Coverage**$289$251

*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 end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside liability).

Looking specifically at state minimum liability insurance, American Select has the edge, with average monthly premiums coming in at $90. If you want a full coverage policy with the same state minimum limits, American Select again has the edge, with policies averaging around $251 per month to Allstate's $289.

Is Allstate or American Select 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.

You'll probably end up paying more with speeding tickets and at-fault accidents on your record, but which of these two companies offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate American Select
Clean Record$156$117
1 Speeding Ticket$183$149

Policyholders who use Allstate for their insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. American Select policyholders can expect a bit more drastic of an increase of around 21%.

However, American Select is generally the more affordable option for both drivers who have a recent ticket and those with clean records -- their rates are around 25% less expensive for drivers with clean records and 19% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate American Select
Clean Record$156$117
1 At-Fault Accident$229$158

Allstate drivers who get in a collision can expect to see their premiums rise by over 30%, while those who have insurance through American Select will see about a 25% increase.

At the end of the day, the more affordable rates come from American Select, with average prices coming in at $158 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

Allstate American Select
Clean Record$156$117
1 DUI$227$258

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. American Select drivers usually see a 55% raise in their auto insurance rates after a DUI charge, while Allstate will typically increase premiums by around 31%.

But if you end up with a DUI charge and are looking for more affordable prices, Allstate tends to be less expensive for the average driver, with monthly premiums coming in at about $227 to American Select's $258.


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How does Credit Score Impact Allstate and American Select Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly insurance rates. Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it does affect a lot of policyholders out there.

The reasoning car insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

Looking specifically at Allstate and American Select, which company has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Allstate American Select
Excellent Credit Score$145$107
Good Credit Score$172$133

If you have great credit, American Select will normally reward you the most. For drivers with "excellent" credit scores, American Select comes in more than 26.21 less expensive. Drivers with "good" credit scores usually save around 23% with American Select compared to average premiums from Allstate.

Which Company is Best for Drivers with Bad Credit?

Allstate American Select
Fair Credit Score$203$169
Poor Credit Score$275$273

American Select typically offers lower rates than Allstate when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 17% a month less with American Select compared to Allstate, and those with "poor" scores normally save an average of around 1% per month.


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Is Allstate or American Select Better for Drivers who Work from Home or Have Short Commutes?

Allstate American Select
6,000 Annual Miles$197$170
12,000 Annual Miles$200$170

Did you know that the amount of time you spend in your car have a substantial impact on your monthly prices? That's because the more milage you drive, the more likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much American Select charges. However, there's a small difference in monthly rates for Allstate, with policyholders who drive 6,000 miles annually paying about $3 less every month compared to those who drive 12,000 miles each year. Still, for drivers in both categories, American Select is the more affordable carrier.

Allstate or American Select: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a sizable impact on your monthly auto insurance cost. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

Allstate American Select
Urban Areas$222$205
Suburban Areas$199$150
Rural Areas$174$156

American Select boasts the lowest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, American Select's average premiums are around $205 while Allstate offers prices about $222. People in suburban areas pay around $150 with American Select compared to Allstate's $199 monthly. Those in rural areas can expect to pay about $156 per month with American Select compared to Allstate's $174.

Allstate vs. American Select Discounts

No matter why you might be in the market for a new car insurance policy, you're always going to want to save as much money as you can. That's where insurance discounts comes into play.

The hard part is finding all of the discounts you're eligible for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

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

Allstate American Select
ABS Discount
Account Relationship Discount 
Advance Quote Discount
Agency Transfer Discount
Alert Driving Discount 
Annual Mileage Discount 
Anti-Theft Discount
Companion Auto Discount 
Company Car Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount
Drive Wise Discount 
Driver Training Discount
DRL Discount 
Economy Car Discount 
EFT Discount 
ESC Discount 
Family Discount 
Farm Discount 

Allstate blows American Select away when it comes to the sheer amount of discounts available, offering 40 different discounts to American Select's 20.

A couple of those are overlapping for things like advance quote discounts, anti-theft discounts, discounts for being a defensive driver, and discounts for being a good student. Allstate also offers discounts for alert driving, annual mileage, COVID-19 relief, and more.

On the other hand, American Select has a few proprietary discounts of their own for things like account relationship discounts, companion auto discounts, company car discounts, and more.


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Final Thoughts: Is Allstate or American Select Best for You?

So, you've seen how different factors can affect your auto insurance rates. We've shown you all the discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Allstate or American Select the best one for you and your specific needs?

American Select might be best for you if....

  • You like the personalized touch of a small, regional company.
  • You're looking for the best premiums on liability only coverage.
  • You want to save money while purchasing car insurance for a teenager.


Allstate might be best for you if...

  • You already have plans to move to another state -- American Select Insurance Company is only available in six states.
  • Your driving record includes a DUI charge.
  • You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Allstate and American Select and that you can now make a more informed 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 car insurance policy is to compare quotes from multiple carriers, not just Allstate and American Select. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.


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Allstate vs. American Select FAQs

Is Allstate or American Select cheaper?

American Select is the cheaper of the two carriers when looking at national average rates, with policies averaging $170 per month with American Select and $199 for Allstate. That being said, that doesn't mean American Select will be the most affordable company for every driver, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or American Select?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for each policyholder -- it all boils down to your unique car insurance profile. For example, American Select is more affordable for drivers with excellent credit, while Allstate offers cheaper premiums for drivers with a recent DUI.

Why do Allstate and American Select offer me different rates?

Auto insurance companies use several different factors when determining the prices they charge. Variables such as gender, where you park your vehicle, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and American Select calculate premiums using different formulas, so it's likely they'll offer different prices. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Allstate or American Select is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several 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 car insurance carriers for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Allstate or American Select 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.

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