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

Quick Facts

• Looking at the national averages for car insurance, Allstate offers significantly cheaper prices than Nevada General
• Allstate tends to be a much less expensive option for drivers with a DUI
• Nevada General offers more affordable rates for residents of suburban areas

Allstate or Nevada General: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed it down to Allstate or Nevada General as potential options, but which company will offer you more affordable premiums?

Looking at nationwide averages, Allstate is around $50 a month less expensive than Nevada General.

Even so, that doesn't mean Allstate will necessarily be more affordable than Nevada General for each driver. Auto insurance carriers vary their rates depending on things like how clean your driving record is, where you live, how good your credit score is, how old you are, and a variety of other factors, so prices will change quite a bit from person to person.

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

Allstate vs. Nevada General: Average Car Insurance Rates by State

Allstate and Nevada General only compete against each other in Nevada, where Allstate offers the cheaper average prices. Allstate drivers tend to pay about $2 per month less on average compared to drivers who use Nevada General for their car insurance.

There's a lot more that goes into your insurance bill than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for auto insurance than any group on the road. It's normally because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of over 25% less a month by choosing Allstate over Nevada General. It's worth noting that Allstate offers car insurance in 47 different states compared to Nevada General's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, with both companies, you'll see your premiums lower significantly by the time you turn 25. For example, average rates for Allstate policyholders reduce about $300 and Nevada General's prices drop almost $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever see.

When looking at Allstate and Nevada General specifically, which carrier is best for retired drivers? Allstate gets the edge here, with average premiums coming in at around $152 per month compared to Nevada General's $188.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance prices than married couples. That's generally because married drivers tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average rates between these two carriers is significant, with Allstate premiums coming in at a quarter less than Nevada General's. The advantage for married policyholders with Allstate is also obvious, where drivers save about $30 per month.

Allstate or Nevada General: Average Rates by Gender

Did you know men tend to pay more for insurance than women? That's because men are more likely to get tickets and get into accidents, which raises the chances of filing a claim with insurance.

With Allstate, women usually pay around $10 a month less than men, and about $5 with Nevada General.

When it comes to the most affordable prices for each gender, Allstate offers the cheapest average rates for both men and women, with average premiums $48 less for men and $52 cheaper for women.

Allstate vs. Nevada General: 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. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum liability insurance, 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 Nevada General's $348.

Is Allstate or Nevada General Better for Drivers with Spotty Records?

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

At-fault collisions and speeding tickets will most likely raise your premiums, but is Allstate or Nevada General cheaper for drivers with spotty 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. Nevada General policyholders can expect a less drastic increase of around 10%.

But Allstate is usually the more affordable option for drivers both with a ticket and with a clean record -- their rates are around 25% less expensive for drivers with clean records and 21% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their rates climb by over 30%, while those who have insurance through Nevada General will see about a 20% increase.

At the end of the day, drivers who use Allstate end up with the cheaper prices after an accident, with average prices coming in at $229 compared to Nevada General Insurance Company's $257.

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 speeding ticket or even a collision. Nevada General drivers usually see a 30% increase in their auto insurance premiums after a DUI charge, while Allstate will normally climb rates by around 31%.

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 Nevada General, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Nevada General Rates?

Did you know many insurance companies take your credit score into account when determining rates? This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it does affect many policyholders out there.

The reasoning car insurance carriers 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 typically be forced to pay more.

Looking at Allstate and Nevada General specifically, which carrier has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Allstate will normally reward you the most. For drivers with "excellent" credit scores, Allstate comes in more than 41.77 more affordable. Drivers with "good" credit scores typically save about 31% with Allstate compared to average rates from Nevada General.

Which Company is Best for Drivers with Bad Credit?

If you have less-than-perfect 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 18% less with Allstate than Nevada General, but those whose credit is considered "poor" have it flipped -- saving about 9% a month with Nevada General.

Is Allstate or Nevada General 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 auto insurance payment. That's because the fewer miles you put on your vehicle, the less likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Nevada General charges. However, there's a small difference in monthly premiums 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, for drivers in both categories, Allstate is the cheaper company.

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

Where your home is can play a big role in how much you pay for insurance. Generally, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because of the small number of cars that are on the roads where they live.

Allstate usually comes out as the less expensive option for drivers in rural and urban areas, while Nevada General wins in suburban areas.

For policyholders in urban ZIP codes, Allstate's average premiums are about $125 less than Nevada General Insurance Company. People who live in suburban areas pay around $8 less with Nevada General compared to Allstate. Those in rural areas can expect to save about $35 with Allstate compared to Nevada General.

Allstate vs. Nevada General Discounts

No matter 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 you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allstate and Nevada General so that you can see which one can save you the most money each month.

Allstate knocks Nevada General out of the park when it comes to the sheer number of discounts available, offering 31 more discounts than Nevada General.

Both companies offer quite a few of the same discounts -- like discounts for being a defensive driver, EFT discounts, and discounts for being a homeowner -- but Allstate also offers discounts for ABS, advance quote, alert driving, and more.

On the other hand, Nevada General has a few proprietary discounts of their own like group discounts and online quote discounts.

Final Thoughts: Is Allstate or Nevada General Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which carrier is the right company for you, your vehicle, and your wallet?

Allstate might be best for you if....

• You are considering moving to another state -- Nevada General Insurance Company only offers policies in Nevada.
• You care about discounts (Allstate offers the most).
• You've started working from home and don't have much of a commute.

Nevada General might be best for you if...

• You're looking for the best rates in NV.
• Your neighborhood is in the suburbs.

Hopefully, this guide helps you get a better idea of the difference between Allstate and Nevada General and that it aids in making a more informed 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 car insurance policy is to compare quotes from multiple companies, not just Allstate and Nevada General. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Allstate vs. Nevada General FAQs

Is Allstate or Nevada General cheaper?

Allstate is the more affordable of the two companies when looking at national average rates, with policies averaging $199 per month with Allstate and $249 for Nevada General. That being said, that doesn't mean Allstate will be the cheapest company for every driver, since there are lots of different factors that are considered when it comes to your car insurance cost.

Who is better, Allstate or Nevada General?

Sadly, the answer truly is "it depends.". No one carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Nevada General is less expensive for drivers who have less-than-stellar credit scores, while Allstate offers cheaper premiums for drivers with an at-fault collision on their record.

Why do Allstate and Nevada General offer me different rates?

Insurance carriers use lots of different variables when calculating the prices they charge. Things such as where you park your vehicle, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Nevada General calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Allstate or Nevada General 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.