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

Quick Facts

• Looking at the national averages for insurance, Cumberland Mutual offers slightly more affordable premiums than Allstate
• Allstate offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Cumberland Mutual offers more affordable premiums for policyholders who live in suburban areas

Allstate or Cumberland Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering considerable savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Allstate or Cumberland Mutual, but between the two, which carrier will offer you cheaper rates?

Looking at nationwide averages, Allstate is around $6 more a month than Cumberland Mutual.

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

Wanting to know if Allstate or Cumberland Mutual is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Allstate vs. Cumberland Mutual: Average Car Insurance Rates by State

Allstate and Cumberland Mutual only compete against each other in one states, with Cumberland Mutual offering more affordable rates to the average driver in all of them. Pennsylvania has the most noticable difference, where Cumberland Mutual prices are $94 less expensive than insurance premiums at Allstate.

There are plenty of other factors that go into your car insurance cost than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for insurance than any other group of drivers. That's normally because teen drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of 0% less per month by choosing Allstate over Cumberland Mutual. It's worth noting that Allstate offers car insurance in 47 different states compared to Cumberland Mutual's two, which can skew the average prices a bit, but the difference here is still considerable.

But with both companies, you'll see your rates decrease significantly by the time drivers turn 25. For example, average prices for Allstate policyholders lower almost 65% and Cumberland Mutual's premiums drop over 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the cheapest insurance rates you'll ever see. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can raise prices.

When looking at Allstate and Cumberland Mutual specifically, which carrier is best for retired drivers? Cumberland Mutual gets the edge, with premiums for drivers 65 and older more than 20% cheaper than the national average for Allstate.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are usually less expensive for married couples than they are for those who are single? That's because policies for married policyholders normally cover multiple vehicles, which quite a few carriers will give you a discount for.

If you're in the market for car insurance, Cumberland Mutual tends to have the lowest average premiums regardless of marital status, with prices about 1% more affordable for single policyholders and around 6% cheaper for married drivers.

Allstate or Cumberland Mutual: Average Rates by Gender

You may not know, but auto insurance is generally cheaper for women than it is for men. That's because men are more likely to get tickets and get into accidents, which raises the chances of filing a claim with insurance.

Women typically pay about $10 a month less than men with Allstate, but with Cumberland Mutual, the difference is closer to $9 per month.

Looking at overall affordability, Cumberland Mutual comes out as the most affordable option for both genders. On average, women save about $6 a month and men save around $6 with Cumberland Mutual compared to the average Allstate policyholder.

Allstate vs. Cumberland Mutual: 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 pretty complicated. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum limits for liability insurance, Cumberland Mutual has the slight edge, with average monthly prices coming in at $106. If you want a full coverage policy with the same state minimum limits, Cumberland Mutual again has the edge, with policies averaging about $280 per month to Allstate's $289.

Is Allstate or Cumberland Mutual 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.

At-fault collisions and speeding tickets will most likely raise your premiums, but is Allstate or Cumberland Mutual less expensive for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their insurance can typically expect their monthly bill to go up around 15% after getting a speeding ticket. Cumberland Mutual policyholders can expect a less drastic increase of about 10%.

But Allstate has more affordable prices for drivers in both categories. With Allstate, drivers with a clean record can save around $13 a month and drivers with a ticket can save about $4 per month.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their rates climb by just under $75, while those who have insurance through Cumberland Mutual will see around a $15 increase.

At the end of the day, Cumberland Mutual offers the lowest premiums for drivers with an at-fault collision on their records, with average prices coming in at $183 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your car insurance bill. For example, Allstate increases average rates by more than $70 a month -- that's more than a 30% increase.

Allstate has the overall cheapest prices 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 two for Cumberland Mutual, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Cumberland Mutual Rates?

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, Hawaii and Michigan are two states that ban the practice entirely), but it does affect lots of policyholders out there.

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

So, which company offers the most affordable premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Allstate will generally reward you the most for an "excellent" credit score. For drivers with "excellent" credit scores, Allstate comes in 1% more affordable. Drivers with "good" credit scores normally save about 9% with Cumberland Mutual compared to average rates from Allstate.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best premiums. Drivers with "fair" credit pay around 11% less with Cumberland Mutual than Allstate, but those whose credit is considered "poor" have it flipped -- saving about 5% per month with Allstate.

Is Allstate or Cumberland Mutual 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 big impact on how much insurance carriers will charge for coverage? Typically, the more milage you put on your car each year, the more you can expect to pay for car insurance.

For both remote workers and those taking short commutes, Cumberland Mutual tends to be the less expensive option. Allstate's average prices for drivers with 6,000 annual miles come in $5 more expensive than Cumberland Mutual. Those who drive 12,000 miles annually can expect to pay $7 more with Allstate over Cumberland Mutual.

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

Where you park your vehicle can play a sizable role in how much you pay for insurance. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers since there are a lot fewer cars on the roads where they live.

Cumberland Mutual tends to offer the lowest option for drivers in rural and suburban areas, while Allstate wins in urban areas.

For policyholders in urban ZIP codes, Allstate's average premiums are around $108 less than Cumberland Mutual. People who live in suburban areas pay about $67 less with Cumberland Mutual compared to Allstate. Those in rural areas can expect to save around $58 with Cumberland Mutual compared to Allstate.

Allstate vs. Cumberland Mutual 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 taking advantage of as many auto insurance discounts as possible.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allstate and Cumberland Mutual so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Allstate knocks Cumberland Mutual out of the park when it comes to the sheer number of discounts available, offering 25 more discounts than Cumberland Mutual.

Both companies offer lots of the same discounts -- like anti-theft discounts, distant student discounts, discounts for getting driver training, and multi-policy discounts -- but Allstate also offers discounts for advance quote, agency transfer, alert driving, and more.

On the other hand, Cumberland Mutual has a few proprietary discounts of their own for things like employee discounts, new business discounts, and senior mileage discounts.

Final Thoughts: Is Allstate or Cumberland Mutual Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which carrier is the right one for you, your vehicle, and your wallet?

Cumberland Mutual might be best for you if....

• You will be the only person on the auto insurance policy.
• Your neighborhood is in the suburbs.
• You're of retirement age and want to take advantage of lower rates.

Allstate might be best for you if...

• You're planning on moving to another state soon -- Cumberland Mutual is only available in Maryland and Pennsylvania.
• You have a speeding ticket on your driving record.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a good idea of the differences between Allstate and Cumberland Mutual and that you can now make a more informed decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple companies, not just Allstate and Cumberland Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Allstate vs. Cumberland Mutual FAQs

Is Allstate or Cumberland Mutual cheaper?

Cumberland Mutual is the cheaper of the two companies when looking at national average prices, with policies averaging $193 a month with Cumberland Mutual and $199 for Allstate. However, that doesn't mean Cumberland Mutual will be the cheapest company for each driver, since there are lots of different variables that are considered when it comes to your auto insurance payment.

Who is better, Allstate or Cumberland Mutual?

Sadly, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like. For example, Allstate is more affordable for drivers who have less-than-stellar credit scores, while Cumberland Mutual offers less expensive premiums for drivers with an at-fault collision on their record.

Why do Allstate and Cumberland Mutual offer me different rates?

Insurance carriers use a lot of different factors when determining the rates they charge. Variables like where you call home, where you live, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Cumberland Mutual calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several carriers 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 ZIP code and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't Allstate or Cumberland Mutual 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.