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

Quick Facts

• In general, Allstate offers significantly more affordable prices than Memberselect
• Allstate has cheaper rates for residents of urban areas
• Memberselect offers more affordable prices for residents in Minnesota

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

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering pretty big discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Allstate or Memberselect as potential options, but which carrier has less expensive rates for insurance?

Looking at nationwide averages, Allstate has average rates that are about 25% per month more affordable than those from Memberselect.

However, Allstate may not be the cheapest or best option for each driver out there. Car insurance companies use tons of complex algorithms to calculate premiums, so depending on how old you are or where you live (among numerous other factors), you could see wildly different prices from the ones above.

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

Allstate or Memberselect: Average Car Insurance Rates by State

Allstate and Memberselect only compete against each other in Minnesota, where Allstate offers the cheaper average premiums. For Minnesota residents, Allstate offers auto insurance for $232 monthly on average. Memberselect's average prices come out to be over 15% more expensive, at $274 per month.

But there's more to insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your premiums. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers out there on the road. It's usually because young, inexperienced 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 that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have Allstate for their insurance pay $1 less than those who use Memberselect. It's worth noting that Allstate offers car insurance in 47 different states compared to Memberselect's one, which can skew the average rates a bit, but the difference here is still considerable.

But both companies will offer you dramatically lower prices by the time you turn 25. Memberselect offers the steepest decrease, with 25-year-olds paying a third less what 18-year-old drivers are charged. That being said, Allstate still has the lowest premiums at $167 a month.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable auto 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 insurance.

So, which carrier offers the best premiums to retired drivers? Allstate gets the edge, with rates for drivers 65 and older more than 35% cheaper than the national average for Memberselect.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance prices tend to be less expensive for married policyholders than they are for single policyholders. That's typically because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Allstate is the clear winner for single drivers, with premiums around $74 a month more affordable than Memberselect, on average. For married couples, the advantage is clear again - Allstate has the edge when it comes to average rates.

Allstate vs. Memberselect: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to auto insurance men will generally end up paying a little more.

On average, women see prices nearly $10 per month cheaper with Allstate, and over $10 cheaper with Memberselect when compared to their male counterparts.

Looking at overall affordability, Allstate comes out as the cheapest option for both genders. On average, male drivers save about $77 a month and women save about $75 with Allstate compared to the average Memberselect policyholder.

Allstate or Memberselect: 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 auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

Even so, most 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 a collision) and full coverage (which usually refers to having comprehensive and collision coverages alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Allstate typically offers significantly less expensive premiums of $108 compared to Memberselect's $183. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies around $75 per month more affordable than Memberselect, on average.

Is Allstate or Memberselect 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.

It's no secret secret that tickets and accidents lead to higher rates, but which company -- Allstate or Memberselect -- has the lowest prices for 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 Memberselect generally raises premiums about $58 per month, on average.

However, Allstate tends to offer the best prices for drivers both with clean records and with a speeding ticket, offering prices that are 13% and 23% cheaper, respectively, compared to MemberSelect Insurance Company.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their rates rise by over 30%, while those who have insurance through Memberselect will see around a 15% increase.

Overall, drivers who use Memberselect end up with the cheaper prices after an accident, with monthly premiums averaging $216 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 ticket when it comes to your auto insurance bill. For example, Memberselect increases average prices by just under $300 a month -- that's over a 60% increase.

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

How does Credit Score Impact Allstate and Memberselect Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for several policyholders.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time each month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Allstate and Memberselect specifically, which one has the best rates for drivers 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 Allstate. Policyholders with "excellent" credit can save more than 20% compared to Memberselect, and those with "good" scores can also expect to see savings -- about $45 or 21% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower prices than Memberselect when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $62 per month less with Allstate compared to Memberselect, and those with "poor" scores normally save an average of about $155 per month.

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

How much you drive can have a substantial impact on how much auto insurance carriers will charge for coverage. Generally, those who drive fewer miles will end up with cheaper rates since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Allstate offers more affordable premiums than Memberselect. Allstate's average prices for drivers with 6,000 annual miles come in around 26% less expensive than Memberselect. Those who drive 12,000 miles yearly can expect to pay about 29% less with Allstate over Memberselect.

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

Where you call home can have a sizable impact on your monthly car insurance payment. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads in those areas.

Allstate boasts the lowest average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both companies, but Allstate comes out on top with average prices around $174 a month. Allstate also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a 24% and 34% a month respective difference when compared to Memberselect drivers in similar areas.

Allstate vs. Memberselect Discounts

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

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.

In the section below, we've broken down all of the different discounts offered by both Allstate and Memberselect so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate knocks Memberselect out of the park when it comes to the sheer number of discounts available, offering 40 different discounts to Memberselect's 13.

Both carriers offer many of the same discounts -- like anti-theft discounts, distant student discounts, EFT discounts, and multi-policy discounts -- but Allstate also offers ABS discounts, agency transfer discounts, alert driving discounts, and more that Memberselect does not.

On the flip side, Memberselect has a couple unique discounts of its own -- AAA discounts, group discounts, and vehicle safety discounts.

Final Thoughts: Is Allstate or Memberselect Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts companies offer. But, at the end of the day, is Allstate or Memberselect the best one for you and your specific profile and needs?

Allstate might be best for you if....

• You have a DUI charge on your record.
• You live in an urban area.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Memberselect might be best for you if...

• You like the personalized touch of a small, regional carrier.
• Your driving record contains an at-fault collision.

We hope this guide has ben a valuable resource as you compare Allstate and Memberselect and that it aids in making a more informed decision about your 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 multiple carriers, not just Allstate and Memberselect. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Allstate vs. Memberselect FAQs

Is Allstate or Memberselect cheaper?

Looking just at the national average rates, Allstate is the more affordable of the two carriers, offering average rates of $199 per month compared to $274 for Memberselect. Even so, Allstate won't necessarily be the lowest company for every policyholder, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Memberselect?

Unfortunately, the answer truly is "it depends.". No one carrier is "better" for each driver -- it all comes down to what your unique insurance profile looks like. For example, Memberselect offers less expensive premiums for policyholders 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 Memberselect offer me different rates?

Auto insurance companies take a look at a lot of different factors when determining the rates they charge drivers. Variables like your driving record, gender, age, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Memberselect calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the car 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 Memberselect 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.