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

Quick Facts

• In general, Allstate offers significantly cheaper premiums than Foremost
• Allstate offers more affordable average rates for drivers with a DUI charge on their record
• Foremost offers more affordable premiums for residents in New Jersey, Texas, and Washington

Allstate vs. Foremost: Which Company has the Cheapest Car Insurance?

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

You might be considering Allstate or Foremost for your next policy, but between the two, which company has less expensive rates for insurance?

Looking at the national average rates for both companies, Foremost is quite a bit more expensive than Allstate, with prices averaging $270 per month compared to just $199 with Allstate.

But that doesn't mean Allstate will necessarily be cheaper than Foremost for every driver. Car insurance carriers vary their rates depending on things like how good your credit score is, how old you are, how clean your driving record is, where you live, and a variety of other factors, so premiums could vary drastically from person to person.

Luckily, we've broken down average prices from both Allstate and Foremost by a range of different rate factors, so read on to find out which company is the best for you.

Allstate or Foremost: Average Car Insurance Rates by State

Allstate and Foremost only compete against each other in two states, with Allstate offering less expensive rates to the average driver in all of them. New Jersey has the most noticable difference, where Allstate premiums are over 40% more affordable than auto insurance prices at Foremost.

There are plenty of other factors that go into your insurance bill than just where you call home. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers. That's usually because young, inexperienced 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 rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Allstate over Foremost. It's worth noting that Allstate offers auto insurance in 47 different states compared to Foremost's three, which can skew the average premiums a bit, but the difference here is still considerable.

That being said, both companies will offer you dramatically lower prices by the time drivers turn 25. For example, average rates for Allstate policyholders lower nearly 65% and Foremost's prices decrease over 60% over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Allstate gets the edge, with rates for drivers 65 and older $67 less expensive than the national average for Foremost.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance premiums than married couples. That's because policies for married drivers normally cover more than one car, which lots of carriers will offer you a discount for.

When it comes to relationship status, Allstate is the clear winner for those who are single, with rates about $84 per month more affordable than Foremost, on average. The advantage for married policyholders with Allstate is also obvious, where drivers save around $55 a month.

Allstate vs. Foremost: Average Rates by Gender

Because men are more likely to get tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, insurance companies will tend to charge men more than women.

On average, men see prices about 4% per month higher with Allstate, while with Foremost, the difference is closer to 1% a month.

When it comes to the most affordable premiums for each gender, Allstate offers the lowest average prices for both men and women. On average, women save about $74 per month and men save around $69 with Allstate compared to the average Foremost policyholder.

Allstate or Foremost: 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 can be pretty complicated. There are lots of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability coverage).

If you're looking for state minimum liability limits, Allstate generally offers significantly cheaper rates of $108 compared to Foremost's $173. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies about $75 a month more affordable than Foremost, on average.

Is Allstate or Foremost Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and at-fault collisions will most likely raise your premiums, but is Allstate or Foremost cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 per month if they get a ticket, while Foremost typically raises premiums around $56 a month, on average.

However, Allstate has less expensive rates for drivers in both categories, offering prices that are 23% and 29% more affordable, respectively, compared to Foremost Insurance Group.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their rates increase by just under $75, while those who have insurance through Foremost will see about a $200 increase.

Overall, the less expensive premiums come from Allstate, with monthly prices averaging $229 compared to Foremost Insurance Group's $381.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than a collision or speeding ticket. Allstate drivers usually see a 31% increase in their auto insurance rates after a DUI charge, while Foremost will usually climb premiums by around 15%.

Allstate has the overall most affordable 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 three for Foremost, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Foremost Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly car insurance rates. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it might come into play for quite a few policyholders.

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

Looking at Allstate and Foremost specifically, which carrier has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Allstate. Drivers with "excellent" credit can save just under 40% compared to Foremost, and those with "good" scores can also expect to see savings -- about $89 or 34% cheaper each month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower rates than Foremost when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $74 per month less with Allstate compared to Foremost, and those with "poor" scores typically save an average of about $31 a month.

Is Allstate or Foremost 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 substantial impact on how much car insurance carriers will charge for coverage? That's because the fewer miles you put on your vehicle each year, the less likely you are to get into an accident and cause an insurance claim.

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

Allstate vs. Foremost: 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 insurance, but the type of area you live in can have a pretty big impact as well. Normally, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Allstate boasts the most affordable average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Allstate offers rates about $222 monthly compared to Foremost's $318. People who live in suburban ZIP codes can expect to pay around $199 a month for Allstate and $287 for Foremost. Lastly, those in rural areas tend to get the lowest premiums from both companies, with average monthly rates coming in at $174 and $205 for Allstate and Foremost respectively.

Allstate vs. Foremost Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

In the section below, we've compared all of the different discounts offered by Allstate and Foremost 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 Foremost out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Foremost's 12.

Both carriers offer several of the same discounts -- like anti-theft discounts, distant student discounts, EFT discounts, and paid in full discounts -- but Allstate also offers ABS discounts, agency transfer discounts, alert driving discounts, and more that Foremost does not.

On the flip side, Foremost has a couple unique discounts of its own -- minor child discounts and multi-car/single driver discounts.

Final Thoughts: Is Allstate or Foremost Best for You?

So, you've seen how different factors can affect your car insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the best fit for you?

Allstate might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" insurance.
• You drive fewer than 12,000 miles yearly.

Foremost might be best for you if...

• You're looking for the best rates in NJ, TX, and WA.

We hope this guide helps you get a good idea of the differences between Allstate and Foremost. We also hope we've given you the information you need to make the best 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 companies, not just Allstate and Foremost. 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 auto insurance carriers in your area, all in just a few minutes.

Allstate vs. Foremost FAQs

Is Allstate or Foremost cheaper?

Looking just at the national average premiums, Allstate is the more affordable of the two companies, offering average rates of $199 per month compared to $270 for Foremost. Even so, Allstate won't necessarily be the cheapest company for every driver, since there are several different variables that come into play when it comes to your car insurance payment.

Who is better, Allstate or Foremost?

Sadly, the real answer is "it depends.". No single carrier is necessarily "better" for everyone -- it all depends on what your unique insurance profile looks like.

Why do Allstate and Foremost offer me different rates?

Car insurance carriers take a look at many different factors when calculating the prices they charge policyholders. Variables such as gender, where you live, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Foremost calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Allstate or Foremost 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 area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best company for you might not be Allstate or Foremost 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.