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

Quick Facts

• Looking at the national averages for car insurance, Oregon Mutual offers significantly cheaper rates than Allstate
• Allstate may help you save more money -- they offer more discounts than Oregon Mutual
• Oregon Mutual offers less expensive average prices for policyholders who live in the suburbs

Allstate or Oregon Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Allstate or Oregon Mutual, but which carrier will save you the most?

Looking at the national average rates for both carriers, Allstate has average rates that are around 30% a month more expensive than those from Oregon Mutual.

Even so, that doesn't mean Oregon Mutual will necessarily be more affordable than Allstate for each driver. Auto insurance companies use a ton of complex algorithms to determine premiums, so depending on where you live or how clean your driving record is (among a wide array of other factors), you could see wildly different rates from the ones above.

Wanting to know if Allstate or Oregon Mutual 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. Oregon Mutual: Average Car Insurance Rates by State

Allstate and Oregon Mutual only compete against each other in three states, with Oregon Mutual offering less expensive rates to the average driver in all of them. Idaho has the most noticable difference, where Oregon Mutual prices are $58 cheaper than car insurance premiums at Allstate.

There are plenty of other factors that go into your insurance payment than just the state you live in. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any other group of drivers out there on the road. It's generally because teen drivers are statistically much more likely to get into an accident that results in an 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 Oregon Mutual for their insurance pay over 25% less than those who use Allstate. It's worth noting that Allstate offers car insurance in 47 different states compared to Oregon Mutual's three, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Allstate policyholders drop about $300 and Oregon Mutual's premiums decrease almost $250 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically 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 car insurance.

But who has the best rates for retired drivers between Allstate and Oregon Mutual? Oregon Mutual gets the edge, with premiums for drivers 65 and older $52 more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

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

For single drivers, the difference in average premiums between these two companies is significant, with Oregon Mutual rates coming in at around 30% less than Allstate's. The advantage for married couples with Oregon Mutual is also obvious, where drivers save about $60 per month.

Allstate or Oregon Mutual: Average Rates by Gender

You may not know, but auto insurance is usually cheaper for women than it is for men. That's because women are less likely to get into collisions and get tickets, which decreases the chances of filing a claim with insurance.

Usually, men see premiums around 4% a month higher with Allstate, and about 9% more with Oregon Mutual.

Looking at the data for each carrier specifically, Oregon Mutual offers the cheapest average rates for both men and women, with average prices 31% less for men and 34% cheaper for women.

Allstate vs. Oregon Mutual: 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 car insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy for you.

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

Looking specifically at state minimum limits for liability insurance, Oregon Mutual has the edge, with average monthly premiums coming in at $97. If you want a full coverage policy with the same state minimum limits, Oregon Mutual again has the edge, with policies averaging around $172 per month to Allstate's $289.

Is Allstate or Oregon Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that speeding tickets and at-fault collisions lead to higher rates, but which company -- Allstate or Oregon Mutual -- has the lowest premiums 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 typically expect their monthly bill to go up about 15% after getting a speeding ticket. Oregon Mutual policyholders can expect a less drastic increase of around 9%.

But Oregon Mutual is generally the more affordable option for both drivers who have clean records and those with a recent ticket, offering prices that are 29% and 33% cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault collision with Allstate increasing by about 32%. Oregon Mutual has a less extreme climb, but you can still expect to pay more than 15% more than you were prior to your first accident.

At the end of the day, Oregon Mutual offers the most affordable premiums for drivers with an at-fault collision on their records, with average rates coming in at $133 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 speeding ticket or even an accident. For example, Allstate increases average prices by more than $70 a month -- that's over a 30% increase.

Oregon Mutual has the overall lowest premiums for drivers with a DUI on their records at $171 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just three for Oregon Mutual, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Oregon Mutual Rates?

Did you know many insurance carriers take your credit score into account when determining prices? This isn't true for everyone (for example, Massachusetts and California are two states that ban the practice entirely), but it does affect several drivers out there.

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

So, which carrier offers the best rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Oregon Mutual will normally reward you the most. For drivers with "excellent" credit scores, Oregon Mutual comes in 20 less expensive. Drivers with "good" credit scores generally save around 30% with Oregon Mutual compared to average premiums from Allstate.

Which Company is Best for Drivers with Bad Credit?

Oregon Mutual typically offers lower rates than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 36% per month less with Oregon Mutual compared to Allstate, and those with "poor" scores typically save an average of around 38% monthly.

Is Allstate or Oregon Mutual 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 sizable impact on how much insurance carriers will charge for coverage? Usually, the more milage you put on your car each year, the more you can expect to pay for coverage.

Oregon Mutual tends to be the cheaper option for both remote workers and those taking short commutes. Oregon Mutual's average prices for drivers with 6,000 annual miles come in about 33% more affordable than Allstate. Those who drive 12,000 miles each year can expect to pay around 32% less with Oregon Mutual over Allstate.

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

Where your home is can play a pretty big role in how much you pay for car 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 vehicles that are on the roads where they live.

Oregon Mutual boasts the lowest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Oregon Mutual's average prices are about $151 while Allstate offers rates around $222. People in suburban areas pay about $138 with Oregon Mutual compared to Allstate's $199 per month. Those in rural areas can expect to pay around $115 a month with Oregon Mutual compared to Allstate's $174.

Allstate vs. Oregon Mutual Discounts

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

The difficult part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier 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 Oregon Mutual so that you can find the one that has the most discounts and, therefore, the largest savings.

Allstate knocks Oregon Mutual out of the park when it comes to the sheer number of discounts available, offering 25 more discounts than Oregon Mutual.

Both companies offer lots of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for getting driver training, and multi-policy discounts -- but Allstate also offers discounts for ABS, agency transfer, alert driving, and more.

On the other hand, Oregon Mutual has a few proprietary discounts of their own for things like csl discounts, employee discounts, group discounts, and more.

Final Thoughts: Is Allstate or Oregon Mutual Best for You?

So, we've broken down the average prices for many of the variables insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, is Allstate or Oregon Mutual the best fit for you?

Oregon Mutual might be best for you if....

• Your driving record includes a DUI charge.
• You're of retirement age and want to take advantage of lower premiums.

Allstate might be best for you if...

• You're planning on moving to another state soon -- Oregon Mutual is only available in three states.
• You want to save extra money with discounts.

Hopefully, this guide has ben a valuable resource as you compare Allstate and Oregon Mutual. We also hope we've given you the information you need to make the best decision when it comes to 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 car insurance -- comparing quotes from a handful of companies, not just Allstate and Oregon Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Allstate vs. Oregon Mutual FAQs

Is Allstate or Oregon Mutual cheaper?

Oregon Mutual is the less expensive of the two companies when looking at national average prices, with policies averaging $135 a month with Oregon Mutual and $199 for Allstate. However, that doesn't mean Oregon Mutual will be the cheapest carrier for every driver, since there are many different factors that are considered when it comes to your car insurance bill.

Who is better, Allstate or Oregon Mutual?

Unfortunately, the answer truly is "it depends.". One company is not "better" for each policyholder -- it all comes down to what your unique auto insurance profile looks like.

Why do Allstate and Oregon Mutual offer me different rates?

Insurance carriers use quite a few different variables when calculating the rates they charge. Factors like where you live, gender, where you park your car, age, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Oregon Mutual calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from multiple 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 quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Allstate or Oregon Mutual 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.