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

Quick Facts

• Based on national averages for insurance, Omni offers slightly cheaper premiums than Allstate
• Allstate offers more discounts than Omni Insurance
• Omni tends to be a much more affordable option for drivers who have received a ticket within the last few years

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

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Allstate or Omni as your top options, but between the two, which company has less expensive rates for car insurance?

Looking at the national average rates for both companies, Omni is about $18 per month more affordable than Allstate.

Even so, that doesn't necessarily mean Omni will be the less expensive option for every driver. Auto insurance carriers use a variety of complex algorithms to calculate premiums, so depending on how good your credit score is or how clean your driving record is (among quite a few other factors), you could see wildly different rates from the ones above.

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

Allstate or Omni: Average Car Insurance Rates by State

Allstate and Omni only compete against each other in two states, with Allstate offering cheaper rates to the average driver in all of them. If you live in Alabama, Allstate is the more affordable of the two companies when looking at the overall average premiums. Omni is the cheaper option in Pennsylvania.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. Typically, that's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. As you can see above, teens who use Allstate save nearly $25 a month compared to those who use Omni. It's worth noting that Allstate offers insurance in 47 different states compared to Omni's two, which can skew the average rates a bit, but the difference here is still considerable.

But both carriers will decrease premiums by the time you turn 25. Omni offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Allstate's average prices drop almost 65% during that same period.

Which is the Best Company for Retired Drivers?

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

But who has the best rates for retired drivers between Allstate and Omni? Omni gets the edge, with premiums for drivers 65 and older nearly 15% less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive insurance rates than married couples. That's because policies for married drivers usually cover more than one car, which a lot of companies will offer you a discount for.

When it comes to relationship status, the two carriers are comparable for those who are single, with prices only differing around $8 per month, on average. The advantage for married policyholders is more obvious, where drivers who use Omni save almost $30 a month.

Allstate vs. Omni: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into accidents, which means they'll normally end up paying more for car insurance than women.

With Allstate, men generally pay about 4% more per month than women., and around 8% more with Omni.

When it comes to the lowest rates for each gender, Omni comes out as the most affordable option for both genders. On average, male drivers save about $14 a month and women save about $20 with Omni compared to the average Allstate policyholder.

Allstate or Omni: 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.

Auto insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum liability limits, Omni typically offers slightly cheaper prices of $104 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Omni again has the edge, with policies around $30 per month less expensive than Allstate, on average.

Is Allstate or Omni Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

At-fault collisions and tickets will most likely raise your premiums, but is Allstate or Omni more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their prices to go up an average of $27 a month if they get a ticket, while Omni generally raises rates about $7 per month, on average.

If you have a clean record, Allstate tends to offer the best premiums at around 7% less expensive, while Omni has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their prices climb by over 30%, while those who have insurance through Omni will see about a 15% increase.

Overall, the cheaper premiums come from Omni, with monthly rates averaging $203 compared to Allstate's $229.

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 ticket or even an accident. For example, Allstate increases average prices by over $70 a month -- that's over a 30% increase.

Omni has the overall lowest premiums for drivers with a DUI on their records at $178 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just two for Omni, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Omni Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it does affect quite a few policyholders out there.

The reasoning 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 prices, while those with poor credit will normally be forced to pay more.

Looking at Allstate and Omni specifically, which one has the best premiums 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 more than 10% compared to Omni, and those with "good" scores can also expect to see savings -- around $3 or 2% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Omni typically offers lower rates than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $18 per month less with Omni compared to Allstate, and those with "poor" scores usually save an average of around $72 a month.

Is Allstate or Omni 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 considerable impact on your monthly prices? That's because the fewer miles you drive, the less likely you are to get into a collision 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 Omni charges. However, there's a small difference in monthly premiums for Allstate, with policyholders who drive 6,000 miles yearly paying about $3 less every month compared to those who drive 12,000 miles each year. Still, Omni is the less expensive option for drivers in both categories.

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

Where you park your vehicle can have a large impact on your monthly auto insurance payment. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Looking at these companies side-by-side, Omni boasts the most affordable average rates in rural and suburban areas, while Allstate wins in urban areas.

If you live in a rural area, you can expect to save around 23% with Omni compared to Allstate. Drivers in suburban ZIP codes pay about 28% less with Omni compared to Allstate. In urban areas, Allstate's average prices are around 17% less than Omni Insurance.

Allstate vs. Omni Discounts

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

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

In the section below, we've compared all of the different discounts offered by Allstate and Omni so that you can see which carrier can save you the most money each month.

Allstate blows Omni away when it comes to the sheer amount of discounts available, offering 27 more discounts than Omni.

A couple of those are overlapping for things like agency transfer discounts, discounts for being a defensive driver, discounts for being a homeowner, and paperless discounts. Allstate also offers ABS discounts, alert driving discounts, annual mileage discounts, and more that Omni does not.

On the flip side, Omni has a couple unique discounts of its own -- cellphone safety discounts, group discounts, and non-owner discounts.

Final Thoughts: Is Allstate or Omni Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, which insurance carrier is the best one for you and your specific driver profile?

Omni 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 are purchasing your auto insurance with a spouse.

Allstate might be best for you if...

• You haven't received any speeding tickets or been in an accident in the last few years.
• You already have a great credit score.
• Your neighborhood is in a city.

We hope this guide has ben a valuable resource as you compare Allstate and Omni and that you can now make a more informed decision when it comes to your car 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 a handful of companies, not just Allstate and Omni. 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. Omni FAQs

Is Allstate or Omni cheaper?

Looking just at the national average rates, Omni is the more affordable of the two companies, offering average rates of $181 a month compared to $199 for Allstate. That being said, Omni won't necessarily be the lowest company for every policyholder, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Omni?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for each driver -- it all depends on what your unique car insurance profile looks like. For example, Omni offers cheaper premiums for drivers with a recent DUI, while Allstate is less expensive for drivers with excellent credit.

Why do Allstate and Omni offer me different rates?

Insurance carriers take a look at lots of different factors when determining the prices they charge policyholders. Things such as your driving record, gender, age, where you live, and sometimes even things like your credit score can all be used. Both Allstate and Omni calculate rates using different variables, 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 a variety of different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple 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 ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best company for you might not be Allstate or Omni 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.