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

Quick Facts

• In general, Allstate offers less expensive prices than Mendakota
• Allstate offers more affordable premiums for policyholders whose driving record contains an at-fault collision
• Mendakota has cheaper rates in NV

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

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

Looking at nationwide averages, Mendakota has average rates that are around 18% a month more expensive than those from Allstate.

Even so, Allstate may not be the most affordable or best option for every driver out there. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things), so premiums will vary quite a bit from person to person.

Wanting to know if Allstate or Mendakota 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 vs. Mendakota: Average Car Insurance Rates by State

Allstate and Mendakota only compete against each other in Nevada, where Mendakota offers the cheaper average premiums. Mendakota drivers tend to pay about $3 per month less on average compared to drivers who use Allstate for their auto insurance.

That being said, there's a lot more that goes into your insurance cost than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. That's typically because teen 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 still, even with seemingly sky-high prices, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Allstate for their insurance pay 1% less than those who use Mendakota. It's worth noting that Allstate offers auto insurance in 47 different states compared to Mendakota's one, which can skew the average rates a bit, but the difference here is still considerable.

But both companies will lower prices once you turn 25. For example, average premiums for Allstate policyholders reduce almost 65% and Mendakota's rates drop over 45% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the cheapest car insurance prices out there. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for insurance.

But who has the best premiums for retired drivers between Allstate and Mendakota? Allstate gets the edge, with prices for drivers 65 and older nearly 20% more affordable than the national average for Mendakota.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are normally cheaper for married drivers than they are for single drivers? This usually boils down to married couples having multiple vehicles on their policy -- something lots of auto insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Allstate rates coming in at about 15% less than Mendakota's. For married policyholders, the advantage is clear again - Allstate has the edge when it comes to average premiums.

Allstate or Mendakota: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll usually end up paying more for insurance than women.

Women normally pay around 4% a month less than men with Allstate, and about 7% less with Mendakota.

When it comes to the lowest prices for each gender, Allstate comes out on top for both men and women, with average premiums 20% less for men and 17% cheaper for women.

Allstate vs. Mendakota: 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 can be a complicated subject for most people. There are lots of different coverages that account for several different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

However, the most common 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 two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum liability limits, Allstate has the significant edge, with average monthly prices coming in at $108. If you want a full coverage policy with the same state minimum limits, Allstate again has the edge, with policies averaging around $289 per month to Mendakota's $316.

Is Allstate or Mendakota Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and collisions lead to higher rates, but which carrier -- Allstate or Mendakota -- has the cheapest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their car insurance can generally expect their monthly bill to go up about 15% after getting a speeding ticket. Mendakota policyholders can expect a less drastic increase of around 8%.

That being said, Allstate has more affordable rates for drivers in both categories, offering premiums that are 29% and 24% less expensive, respectively, compared to Mendakota Insurance Company.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their rates climb by just under $75, while those who have insurance through Mendakota will see about a $50 increase.

At the end of the day, drivers who use Allstate end up with the cheaper prices after an accident, with average premiums coming in at $229 compared to Mendakota Insurance Company's $273.

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 auto insurance bill -- typically a lot more than a collision or ticket. On average, Allstate will raise your prices around 31% after a DUI, while Mendakota's average rates increase by nearly 10%.

Allstate has the overall lowest prices 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 Mendakota, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Mendakota Rates?

Did you know many insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it might come into play for several policyholders.

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

Looking at Allstate and Mendakota specifically, which company has the most affordable rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Allstate will usually reward you the most. For policyholders with "excellent" credit scores, Allstate comes in more than 40.57 cheaper. Drivers with "good" credit scores typically save about 30% with Allstate compared to average premiums from Mendakota.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-stellar credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay around 17% less with Allstate than Mendakota, but those whose credit is considered "poor" have it flipped -- saving about 11% a month with Mendakota.

Is Allstate or Mendakota 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 large impact on your monthly premiums? Normally, those who drive less will end up with less expensive prices since there's less of a chance of causing an accident and filing an insurance claim.

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

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

Where you park your car can play a big role in how much you pay for insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, Mendakota tends to offer the cheapest option for drivers in rural and suburban areas, while Allstate wins in urban areas.

For drivers in urban ZIP codes, Allstate's average prices are about $222 while Mendakota offers premiums around $418. Drivers in suburban ZIP codes pay about $176 with Mendakota compared to Allstate's $199 per month. Those in rural areas can expect to pay around $138 a month with Mendakota compared to Allstate's $174.

Allstate vs. Mendakota Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allstate and Mendakota 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 blows Mendakota away when it comes to the sheer amount of discounts available, offering 35 more discounts than Mendakota.

There are a couple discounts both companies offer, but Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

Mendakota's discounts come through just a few categories, including Defensive Driver, Homeowner, Multi-Car, and more.

Final Thoughts: Is Allstate or Mendakota Best for You?

So, you've seen how different factors can affect your auto insurance rates. We've broken down the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the best carrier for you and your specific driver profile?

Allstate might be best for you if....

• You have received a ticket within the last few years.
• You care about discounts (Allstate offers the most).
• You are purchasing your car insurance with a spouse.

Mendakota might be best for you if...

• You're looking for the best rates in NV.
• Your home is located in the suburbs.
• Your neighborhood is in a rural area.

Hopefully, this guide has ben a valuable resource as you compare Allstate and Mendakota 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 insurance -- comparing quotes from several carriers, not just Allstate and Mendakota. Luckily, Compare.com does all the hard work for you. 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. Mendakota FAQs

Is Allstate or Mendakota cheaper?

Allstate is the cheaper of the two carriers when looking at national average prices, with policies averaging $199 per month with Allstate and $244 for Mendakota. Even so, that doesn't mean Allstate will be the most affordable company for everyone, since there are a variety of different variables that come into play when it comes to your insurance bill.

Who is better, Allstate or Mendakota?

Unfortunately, the only answer we can give you is "it depends.". One carrier is not "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like. For example, Mendakota is more affordable for drivers who have less-than-stellar credit scores, while Allstate offers less expensive rates for drivers with an at-fault accident on their record.

Why do Allstate and Mendakota offer me different rates?

Car insurance companies use quite a few different factors when calculating the premiums they charge. Variables like gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be used. Both Allstate and Mendakota use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best company for you isn't Allstate or Mendakota 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.