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

Quick Facts

• Looking at the national averages for auto insurance, Allstate offers cheaper premiums than Le Mars
• Allstate has more affordable prices for policyholders who drive a short distance to work everyday
• Le Mars offers more affordable rates for policyholders who have a clean record

Allstate vs. Le Mars: 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 large discounts. But exactly how much can you save by switching?

You might be considering Allstate or Le Mars, but which company has less expensive premiums for insurance?

Looking at nationwide averages, Le Mars has average rates that are about 15% per month more expensive than those from Allstate.

However, that doesn't mean Allstate will necessarily be more affordable than Le Mars for each driver. Auto insurance companies vary their prices depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and a ton of other factors, so premiums could vary drastically from person to person.

Luckily, we've broken down average rates from both Allstate and Le Mars by lots of different rate factors, so read on to find out which carrier is the best for you.

Allstate or Le Mars: Average Car Insurance Rates by State

Allstate and Le Mars only compete against each other in Iowa, where Allstate offers the cheaper average prices. For Iowa residents, Allstate offers car insurance for $123 monthly on average. Le Mars's average premiums come out to be over 70% more expensive, at $234 per month.

But there's more to calculating insurance rates 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?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Le Mars for their insurance pay more than $25 less than those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to Le Mars's one, which can skew the average premiums a bit, but the difference here is still considerable.

Even so, both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for Allstate policyholders decrease nearly 65% and Le Mars's premiums lower almost 50% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest car insurance rates out there. After all, they've likely been driving for quite some time, which normally lowers their chances of accidents and other infractions that can increase prices.

But who has the best premiums for retired drivers between Allstate and Le Mars? Allstate gets the edge, with rates for drivers 65 and older $44 cheaper than the national average for Le Mars.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are generally less expensive for married couples than they are for those who are single? This usually boils down to married drivers having multiple cars on their policy -- something many auto insurance companies will reward with discounts.

When it comes to relationship status, Allstate is the clear winner for single drivers, with premiums around $35 a month more affordable than Le Mars, on average. For married policyholders, the advantage is clear again - Allstate has the edge when it comes to average rates.

Allstate vs. Le Mars: Average Rates by Gender

You may not know, but men usually pay more for car insurance than women do. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher prices.

Usually, men see rates about 4% per month higher with Allstate, while with Le Mars, the difference is closer to 12% a month.

When it comes to the cheapest premiums for each gender, Allstate offers the most affordable average prices for both men and women. On average, women save about $26 per month and men save around $46 with Allstate compared to the average Le Mars policyholder.

Allstate or Le Mars: 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 a complicated subject for most people. There are so many different coverages and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to liability coverage).

In this case, Le Mars offers the cheapest average premiums for state minimum liability insurance, while Allstate has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $30 with Le Mars Insurance Company, while full coverage comes out to be about $100 cheaper with Allstate.

Is Allstate or Le Mars Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto 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 at-fault collisions on your record, but which of these two carriers offers the lowest prices to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 a month if they get a ticket, while Le Mars typically raises premiums around $42 per month, on average.

That being said, Le Mars has less expensive prices for drivers in both categories, offering rates that are $18 and $3 more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate policyholders who get in a collision can expect to see their prices increase by over 30%, while those who have insurance through Le Mars will see about a 25% increase.

Overall, drivers who use Le Mars end up with the cheaper prices after an accident, with monthly rates averaging $186 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, Le Mars increases average premiums by just under $300 a month -- that's just under a 70% increase.

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

How does Credit Score Impact Allstate and Le Mars Rates?

Did you know that many insurance companies take into account your credit score when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for a lot of drivers.

Auto 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 Allstate and Le Mars, which carrier has the lowest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Le Mars for an "excellent" credit score. Drivers with "excellent" credit can save 7% compared to Allstate, while those with "good" scores can expect to see better savings from Allstate -- around $8 or 4% cheaper than Le Mars every month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower rates than Le Mars when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $18 per month less with Allstate compared to Le Mars, and those with "poor" scores normally save an average of around $126 per month.

Is Allstate or Le Mars Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big 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.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Allstate tends to be the less expensive option. Allstate average premiums for drivers with 6,000 annual miles come in over $20 more affordable than Le Mars. Those who drive 12,000 miles each year can expect to pay nearly $50 less with Allstate over Le Mars.

Allstate vs. Le Mars: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for insurance. Usually, those who live in urban areas will pay more than policyholders in rural areas due to the number of cars that are on the roads in those areas.

Allstate boasts the cheapest average premiums in rural and urban areas, while Le Mars wins in suburban areas.

In urban areas, Allstate's average rates are about 23% less than Le Mars Insurance Company. Drivers in suburban ZIP codes pay around 10% less with Le Mars compared to Allstate. If you live in a rural area, you can expect to save about 26% with Allstate compared to Le Mars.

Allstate vs. Le Mars Discounts

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

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.

In the table below, we've broken down all of the different discounts offered by both Allstate and Le Mars so that you can see which company can save you the most money each month.

Allstate blows Le Mars away when it comes to the sheer amount of discounts available, offering 40 different discounts to Le Mars's 17.

There are a couple discounts both companies offer, but Allstate also offers agency transfer discounts, alert driving discounts, annual mileage discounts, and more that Le Mars does not.

On the flip side, Le Mars has a couple unique discounts of its own -- family discounts, group discounts, hybrid vehicle discounts, and more.

Final Thoughts: Is Allstate or Le Mars Best for You?

So, we've broken down the average prices for many of the variables auto insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but when it comes down to it, is Allstate or Le Mars the right carrier for you and your specific driver profile?

Allstate might be best for you if....

• You're single and purchasing insurance by yourself.
• You live in a rural area.
• You don't spend much time in your car.

Le Mars might be best for you if...

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• Your driving record contains an at-fault collision.
• Your neighborhood is in the suburbs.

We hope this guide has ben a valuable resource as you compare Allstate and Le Mars. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Allstate and Le Mars. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Allstate vs. Le Mars FAQs

Is Allstate or Le Mars cheaper?

Looking just at the national average premiums, Allstate is the cheaper of the two companies, offering average rates of $199 a month compared to $234 for Le Mars. But Allstate won't necessarily be the lowest company for everyone, since there are a range of different factors that are considered when it comes to your auto insurance cost.

Who is better, Allstate or Le Mars?

Unfortunately, the real answer is "it depends.". No one carrier is necessarily "better" for every driver -- it all comes down to what your unique insurance profile looks like. For example, Le Mars offers less expensive rates for drivers with an at-fault accident on their record, while Allstate is more affordable for drivers who have less-than-stellar credit scores.

Why do Allstate and Le Mars offer me different rates?

Car insurance carriers take a look at quite a few different variables when determining the prices they charge policyholders. Factors such as gender, age, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Le Mars calculate premiums differently, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the 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, 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 car insurance companies in your area. With those, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Allstate or Le Mars 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.