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

Quick Facts

• Based on national averages for auto insurance, Emc offers significantly cheaper prices than Allstate
• Allstate may help you save more money -- they offer more discounts than EMC Insurance
• Emc offers more affordable average premiums for residents of suburban areas

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

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

You've maybe even narrowed your search down to Allstate or Emc, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, Allstate has average rates that are around 65% a month more expensive than those from Emc.

However, that doesn't mean Emc will necessarily be less expensive than Allstate for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things). So, at the end of the day, prices from each company will differ quite a bit from person to person.

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

Allstate vs. Emc: Average Car Insurance Rates by State

Allstate and Emc only compete against each other in Nebraska, where Emc offers the cheaper average rates. Emc drivers tend to pay about $77 per month less on average compared to drivers who use Allstate for their insurance.

But there's more to calculating car insurance prices than just the state you live in. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group out there on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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 Emc save over 70% a month compared to those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to Emc's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower premiums by the time drivers turn 25. Emc offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Allstate's average prices lower almost 65% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best premiums for retired drivers between Allstate and Emc? Emc gets the edge here, with average prices coming in at about $48 per month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for single policyholders than they are for married policyholders? This usually boils down to married drivers having multiple vehicles on their policy -- something a lot of auto insurance companies will reward with discounts.

For single drivers, the difference in average premiums between these two carriers is significant, with Emc prices coming in at around a third of Allstate's. The advantage is also clear for married couples - Emc offers the cheapest average premiums.

Allstate or Emc: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll usually end up paying more for insurance than women.

Usually, men see rates about 4% per month higher with Allstate, but with Emc, the difference is closer to 9% a month.

Looking at overall affordability, Emc comes out as the lowest option for both genders. On average, male drivers save about $128 per month and women save around $126 with Emc compared to the average Allstate policyholder.

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

Even so, most policies that drivers look at fall into two categories -- 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 limits for liability insurance, Emc has the significant edge, with average monthly prices coming in at $24. If you want a full coverage policy with the same state minimum limits, Emc again has the edge, with policies averaging about $118 a month to Allstate's $289.

Is Allstate or Emc 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.

Speeding tickets and at-fault accidents will most likely raise your premiums, but is Allstate or Emc cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their auto insurance can typically expect their monthly bill to go up around 15% after getting a speeding ticket. Emc policyholders can expect a less drastic increase of about 4%.

However, Emc has less expensive rates for drivers in both categories -- their rates are around 57% more affordable for drivers with clean records and 62% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Allstate can expect to see around an $73 -- or about 32% -- rise in their insurance prices. Drivers who use Emc for their auto insurance will see a monthly bill around $7 (or 9%) more expensive after reporting an accident to their car insurance company.

At the end of the day, the cheaper rates come from Emc, with average premiums coming in at $74 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 a collision. Allstate drivers usually see a 31% climb in their insurance prices after a DUI charge, while Emc will usually increase rates by about 9%.

Emc has the overall cheapest premiums for drivers with a DUI on their records at $74 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Emc, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Emc Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it will come into play for many drivers.

The reasoning car insurance carriers use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

Looking specifically at Emc and Allstate, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Emc will normally reward you the most. For policyholders with "excellent" credit scores, Emc comes in nearly 58.62 more affordable. Drivers with "good" credit scores typically save around 63% with Emc compared to average premiums from Allstate.

Which Company is Best for Drivers with Bad Credit?

Emc typically offers lower rates than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 66% per month less with Emc compared to Allstate, and those with "poor" scores normally save an average of around 67% monthly.

Is Allstate or Emc 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 your monthly premiums? That's because the more milage you put on your vehicle, the more likely you are to be in an accident and file an insurance claim.

For both remote workers and those taking short commutes, Emc offers less expensive prices than Allstate. Emc's average rates for drivers with 6,000 annual miles come in about 68% more affordable than Allstate. Those who drive 12,000 miles annually can expect to pay around 61% less with Emc over Allstate.

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

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

Emc tends to offer the lowest prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, EMC Insurance's average premiums are about 66% less than Allstate. People who live in suburban areas pay around 64% less with Emc compared to Allstate. Those in rural areas can expect to save about 61% with Emc compared to Allstate.

Allstate vs. Emc Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Allstate and Emc so that you can see which carrier can save you the most money each month.

Allstate knocks Emc out of the park when it comes to the sheer number of discounts available, offering 27 more discounts than Emc.

A couple of those are overlapping for things like advance quote discounts, distant student discounts, discounts for getting driver training, and discounts for being a good student. Allstate also offers discounts for agency transfer, alert driving, annual mileage, and more.

On the other hand, Emc has a few proprietary discounts of their own like telematics discounts and umbrella policy discounts.

Final Thoughts: Is Allstate or Emc Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've broken down the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, which insurance company is the best one for you and your specific driver profile?

Emc might be best for you if....

• You like the personalized touch of a small, regional carrier.
• You're looking for the best prices on liability only coverage.
• You're of retirement age and want to take advantage of lower premiums.

Allstate might be best for you if...

• You value the experience that comes with a large national insurance company.
• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Allstate and Emc. We also hope we've given you the information you need to make the best decision about your car 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 auto insurance -- comparing quotes from a handful of companies, not just Allstate and Emc. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Allstate vs. Emc FAQs

Is Allstate or Emc cheaper?

Emc is the cheaper of the two companies when looking at national average prices, with policies averaging $71 a month with Emc and $199 for Allstate. But that doesn't mean Emc will be the most affordable carrier for every policyholder, since there are a bunch of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or Emc?

Sadly, the only answer we can give you is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Allstate and Emc offer me different rates?

Insurance carriers use lots of different variables when determining the premiums they charge. Factors such as gender, age, your driving record, where your home is, and sometimes even things like your credit score can all be used. Both Allstate and Emc calculate rates using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Allstate or Emc 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 does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top insurance companies 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 Emc 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.