Allstate vs. First American Property & Casualty: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, First American Property & Casualty offers less expensive premiums than Allstate
• Allstate offers more affordable average rates for drivers who have less-than-stellar credit
• First American Property & Casualty offers more affordable prices for couples purchasing insurance together

Allstate vs. First American Property & Casualty: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might be considering Allstate or First American Property & Casualty for your next policy, but which one has cheaper rates for auto insurance?

As you can see, First American Property & Casualty is about $32 per month less expensive than Allstate when looking at the national average rates for car insurance.

Even so, that doesn't necessarily mean First American Property & Casualty will be the cheaper option for every single driver. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your age, where you call home, or even your credit score (among other things). So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

Allstate or First American Property & Casualty: Average Car Insurance Rates by State

Allstate and First American Property & Casualty only compete against each other in California, where First American Property & Casualty offers the cheaper average rates. For California residents, First American Property & Casualty offers car insurance for $167 monthly on average. Allstate's average premiums come out to be over 30% more expensive, at $232 a month.

There's a lot more that goes into your auto insurance payment than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. Normally, that's because young, inexperienced 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 prices. As you can see above, teens who use First American Property & Casualty save nearly $90 a month compared to those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to First American Property & Casualty's one, which can skew the average rates a bit, but the difference here is still considerable.

However, both carriers will drop premiums by the time drivers turn 25. First American Property & Casualty offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Allstate's average prices reduce almost 65% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which usually reduces their chances of accidents and other infractions that can increase rates.

But who has the best prices for retired drivers between Allstate and First American Property & Casualty? First American Property & Casualty gets the edge, with rates for drivers 65 and older $31 more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive car insurance premiums than single policyholders. That's because policies for married couples normally cover multiple cars, which lots of companies will offer you a discount for.

When it comes to relationship status, First American Property & Casualty is the clear winner for those who are single, with prices around $38 per month more affordable than Allstate, on average. The advantage is also clear for married drivers - First American Property & Casualty offers the cheapest average premiums.

Allstate vs. First American Property & Casualty: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll generally end up paying more for auto insurance than women.

Typically, women see rates about 4% a month less with Allstate; women and men get the same monthly premiums with First American Property & Casualty.

Looking at overall affordability, First American Property & Casualty comes out as the lowest option for both genders. On average, male drivers save about $36 per month and women save around $27 with First American Property & Casualty compared to the average Allstate policyholder.

Allstate or First American Property & Casualty: 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.

For most people, insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, First American Property & Casualty usually offers significantly cheaper prices of $70 compared to Allstate's $108. When it comes to full coverage policies with similar limits, First American Property & Casualty again has the edge, with policies about $25 a month more affordable than Allstate, on average.

Is Allstate or First American Property & Casualty Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with tickets and collisions on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 per month if they get a ticket, while First American Property & Casualty typically raises rates around $26 a month, on average.

That being said, First American Property & Casualty has less expensive prices for drivers in both categories. Drivers with a clean record can save about $37 per month and drivers with a speeding ticket can save around $38 a month with First American Property & Casualty.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault accident with Allstate climbing by just under $75. First American Property & Casualty has a less extreme climb, but you can still expect to pay over $25 more than you were prior to your first collision.

Overall, drivers who use First American Property & Casualty end up with the cheaper prices after an accident, with monthly prices averaging $145 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. On average, First American Property & Casualty will raise your premiums about 54% after a DUI, while Allstate's average prices climb by over 30%.

Allstate has the overall cheapest premiums 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 First American Property & Casualty, so the data may be skewed slightly.

How does Credit Score Impact Allstate and First American Property & Casualty 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 a rating factor, but it will come into play for quite a few drivers.

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

Looking specifically at First American Property & Casualty and Allstate, which carrier has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Normally, if you have stellar credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will usually save Allstate customers around 15%. On the other hand, because First American Property & Casualty 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?

If you have bad credit, it can cost you with Allstate. If your credit score is in the "poor" range, at Allstate, you may pay about $70 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). First American Property & Casualty, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit could find better rates with First American Property & Casualty over Allstate.

Is Allstate or First American Property & Casualty Better for Drivers who Work from Home or Have Short Commutes?

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, First American Property & Casualty offers cheaper prices than Allstate. First American Property & Casualty's average rates for drivers with 6,000 annual miles come in around 28% more affordable than Allstate. Those who drive 12,000 miles yearly can expect to pay about 4% less with First American Property & Casualty over Allstate.

Allstate vs. First American Property & Casualty: 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 auto insurance, but the type of area you live in can have a pretty big impact as well. Generally, 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.

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

For drivers in urban ZIP codes, First American Property & Casualty offers premiums around $172 monthly compared to Allstate's $222. People who live in suburban ZIP codes can expect to pay about $188 a month for First American Property & Casualty and $199 for Allstate. Lastly, those in rural areas tend to get the cheapest prices from both carriers, with average monthly rates coming in at $140 and $174 for First American Property & Casualty and Allstate respectively.

Allstate vs. First American Property & Casualty Discounts

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

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

In the section below, we've broken down all of the different discounts offered by both Allstate and First American Property & Casualty 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 knocks First American Property & Casualty out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to First American Property & Casualty's 10.

Both companies offer a lot of the same discounts -- like anti-theft discounts, discounts for being a good driver, mature driver discounts, and passive restraint discounts -- but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that First American Property & Casualty does not.

On the flip side, First American Property & Casualty has a unique discount of its own -- a group discounts.

Final Thoughts: Is Allstate or First American Property & Casualty Best for You?

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each company offers, too. But, at the end of the day, is Allstate or First American Property & Casualty the best company for you and your specific driver profile?

First American Property & Casualty might be best for you if....

• You're single and purchasing auto insurance by yourself.
• You're looking for more protection with "full coverage" insurance.
• You drive fewer than 12,000 miles annually.

Allstate might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• Your credit is less-than-stellar.
• You're looking for discounts -- Allstate has the most.

We hope this guide has ben a valuable resource as you compare Allstate and First American Property & Casualty and that it aids in making a more informed 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 carriers, not just Allstate and First American Property & Casualty. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance companies in your area, all for free.

Allstate vs. First American Property & Casualty FAQs

Is Allstate or First American Property & Casualty cheaper?

Looking just at the national average prices, First American Property & Casualty is the cheaper of the two carriers, offering average rates of $167 per month compared to $199 for Allstate. However, First American Property & Casualty won't necessarily be the most affordable company for each policyholder, since there are a range of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or First American Property & Casualty?

Unfortunately, the real answer is "it depends.". One carrier is not necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like. For example, First American Property & Casualty offers less expensive premiums for policyholders with an at-fault accident on their record, while Allstate is cheaper for drivers who have less-than-stellar credit scores.

Why do Allstate and First American Property & Casualty offer me different rates?

Insurance companies take a look at many different factors when calculating the rates they charge drivers. 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 Allstate and First American Property & Casualty use different formulas, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Allstate or First American Property & Casualty is right for me?

The only way to find the auto 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, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best premium. And who knows, the best company for you might not be Allstate or First American Property & Casualty at all!

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.