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

Quick Facts

• Based on national averages for insurance, CSE offers less expensive rates than Allstate
• Allstate offers more affordable premiums for drivers with a DUI
• CSE tends to be a much more affordable option for policyholders who have a short commute

Allstate or CSE: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Allstate or CSE for your next policy, but which company will save you the most?

As you can see, Allstate is around $24 more a month than CSE when looking at the national average rates for car insurance.

But CSE may not be the lowest or best option for every single driver out there. Auto insurance carriers use all sorts of complex algorithms to determine rates, so depending on how old you are or how clean your driving record is (among a wide array of other factors), you could see wildly different premiums from the ones above.

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

Allstate vs. CSE: Average Car Insurance Rates by State

Allstate and CSE only compete against each other in California, where CSE offers the cheaper average rates. CSE drivers tend to pay about $57 per month less on average compared to drivers who use Allstate for their insurance.

That being said, there's a lot more that goes into your auto insurance payment than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any other group of drivers out there on the road. It'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 premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 20% less a month by choosing CSE over Allstate. It's worth noting that Allstate offers insurance in 47 different states compared to CSE's one, which can skew the average prices a bit, but the difference here is still considerable.

Even so, with both companies, you'll see your premiums decrease significantly by the time you turn 25. For example, average rates for Allstate policyholders reduce about $300 and CSE's prices drop nearly $200 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Allstate and CSE specifically, which company is best for retired drivers? CSE gets the edge, with rates for drivers 65 and older over 15% cheaper than the national average for Allstate.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be more expensive for single drivers than they are for married couples. This usually boils down to married drivers having several vehicles on their policy -- something many car insurance carriers will reward with discounts.

For those who are single, the difference in average rates between these two companies is significant, with CSE prices coming in at around 10% less than Allstate's. The advantage is also clear for married policyholders - CSE offers the most affordable average rates.

Allstate or CSE: Average Rates by Gender

Women tend to pay less for auto insurance than men. That's because women are less likely to get speeding tickets and get into accidents, which decreases the chances of filing a claim with insurance.

With Allstate, men usually pay about $10 per month more than women; and with CSE, both genders end up paying the same monthly rate.

Looking at the data for each carrier specifically, CSE offers the lowest average prices for both men and women, with average premiums 14% less for men and 10% cheaper for women.

Allstate vs. CSE: 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 isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

That being said, most 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 a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, CSE has the edge, with average monthly prices coming in at $81. If you want a full coverage policy with the same state minimum limits, CSE again has the edge, with policies averaging around $270 a month to Allstate's $289.

Is Allstate or CSE Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and accidents lead to higher premiums, but which company -- Allstate or CSE -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their car insurance can generally expect their monthly bill to go up about 15% after getting a speeding ticket. CSE policyholders can expect a bit more drastic of an increase of around 24%.

However, CSE has less expensive prices for drivers in both categories, offering premiums that are $33 and $22 cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault collision with Allstate climbing by about 32%. CSE has a less extreme climb, but you can still expect to pay more than 30% more than you were prior to your first accident.

At the end of the day, the more affordable prices come from CSE, with average rates coming in at $176 compared to Allstate's $229.

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 ticket or even an accident. For example, CSE increases average premiums by more than $100 per month -- that's nearly a 50% increase.

Allstate has the overall most affordable rates for drivers with a DUI on their records at $227 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for CSE, so the data may be skewed slightly.

How does Credit Score Impact Allstate and CSE Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance premiums. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for lots of drivers.

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

Looking specifically at Allstate and CSE, which one has the cheapest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have excellent credit. With Allstate, improving your score from "good" to "excellent" will typically save you around 15%. Because CSE, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Allstate. For drivers with less-than-stellar credit, at Allstate, you may pay about 25% a month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. CSE, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with CSE over Allstate.

Is Allstate or CSE 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 your monthly insurance cost? Usually, those who drive less will end up with more affordable prices since there's less of a chance of causing a collision and filing an insurance claim.

CSE tends to be the less expensive option for both remote workers and those taking short commutes. CSE's average premiums for drivers with 6,000 annual miles come in just under 20% cheaper than Allstate. Those who drive 12,000 miles every year can expect to pay 6% less with CSE over Allstate.

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

Where you park your vehicle can have a considerable impact on your monthly auto insurance bill. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the roads where they live.

CSE boasts the lowest average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, CSE Insurance Group's average prices are around 16% less than Allstate. People who live in suburban areas pay about 11% less with CSE compared to Allstate. Those in rural areas can expect to save around 7% with CSE compared to Allstate.

Allstate vs. CSE 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, and the best way to do that is by utilizing as many insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allstate and CSE so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Allstate blows CSE away when it comes to the sheer amount of discounts available, offering 35 more discounts than CSE.

There are a couple discounts both carriers offer, but Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, CSE has a few proprietary discounts of their own like employee discounts and goverment employee discounts.

Final Thoughts: Is Allstate or CSE Best for You?

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and we've shown you all the discounts each company offers. But, at the end of the day, is Allstate or CSE the best one for you and your specific driver profile?

CSE might be best for you if....

• You have a clean record.
• You're looking for the best prices on liability only coverage.
• You drive fewer than 6,000 miles yearly.

Allstate might be best for you if...

• Your driving record includes a DUI charge.
• Your credit score is high.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a good idea of the differences between Allstate and CSE. We also hope we've given you the information you need to make the best decision about your car 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 several carriers, not just Allstate and CSE. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Allstate vs. CSE FAQs

Is Allstate or CSE cheaper?

CSE is the more affordable of the two carriers when looking at national average rates, with policies averaging $175 per month with CSE and $199 for Allstate. But that doesn't mean CSE will be the cheapest carrier for everyone, since there are a bunch of different variables that are considered when it comes to your auto insurance payment.

Who is better, Allstate or CSE?

Unfortunately, the real answer is "it depends.". No one company is "better" for each policyholder -- it all comes down to what your unique car insurance profile looks like. For example, Allstate is less expensive for drivers who have less-than-stellar credit scores, while CSE offers more affordable premiums for policyholders with an at-fault collision on their record.

Why do Allstate and CSE offer me different rates?

Auto insurance companies use several different factors when determining the rates they charge. Variables such as your driving record, age, where you live, gender, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and CSE calculate prices using different factors, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple 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 information once and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Allstate or CSE 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.