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

So, you're in the market for a new auto insurance policy. You may have even narrowed down your search to Allstate and Partners Mutual. But which of these two companies is the best one for you? Read on to find which carrier has the best prices and biggest discounts.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, Partners Mutual offers significantly more affordable premiums than Allstate
  • Allstate may help you save more money -- they offer more discounts than Partners Mutual Insurance
  • Partners Mutual offers more affordable rates for drivers who have below-average credit


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

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering hefty savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Allstate or Partners Mutual for your next policy, but which carrier will save you the most?

Allstate Partners Mutual
$199$123

Looking at the national average rates for both carriers, Allstate is quite a bit more expensive than Partners Mutual, with premiums averaging $199 a month compared to just $123 with Partners Mutual.

That being said, that doesn't necessarily mean Partners Mutual will be the cheaper option for each driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like your age, your driving record, where you call home, or even your credit score (among other things). So, at the end of the day, rates from each company will differ quite a bit from person to person.

Wanting to know if Allstate or Partners Mutual is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Allstate vs. Partners Mutual: Average Car Insurance Rates by State

State Allstate Partners Mutual
IA$123$123

Allstate and Partners Mutual only compete against each other in Iowa, where undefined offers the cheaper average premiums. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their car insurance.

There's a lot more that goes into your insurance bill than just where you call home. Read on to find out more.


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Which is the Best Company For Young Drivers?

Allstate Partners Mutual
18-year-old drivers$448$243
25-year-old drivers$167$106

You might already know that teen drivers generally 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 get into accidents since they have less experience on the roads.

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of over 45% less a month by choosing Partners Mutual over Allstate. It's worth noting that Allstate offers insurance in 47 different states compared to Partners Mutual's one, which can skew the average prices a bit, but the difference here is still considerable.

But both carriers will offer you dramatically lower rates by the time you turn 25. For example, average prices for Allstate policyholders lower around $300 and Partners Mutual's premiums reduce almost $150 over that time.

Which is the Best Company for Retired Drivers?

Allstate Partners Mutual
65+-year-old drivers$152$99

Once you approach retirement age, you'll usually enjoy the lowest 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 premiums for insurance.

When looking at Allstate and Partners Mutual specifically, which company is best for retired drivers? Partners Mutual gets the edge, with rates for drivers 65 and older nearly 35% less expensive than the national average for Allstate.

Which is the Best Company for Married Drivers?

Allstate Partners Mutual
Single$231$138
Married$155$103

You may not be aware, but auto insurance prices tend to be more expensive for those who are single than they are for married policyholders. That's because policies for married couples typically cover more than one vehicle, which several companies will give you a discount for.

For single drivers, the difference in average rates between these two carriers is significant, with Partners Mutual premiums coming in at about 40% less than Allstate's. For married drivers, the advantage is clear again - Partners Mutual has the edge when it comes to average prices.

Allstate or Partners Mutual: Average Rates by Gender

Allstate Partners Mutual
Male$203$127
Female$194$119

Because women are less likely to get into collisions and get tickets, they have a lower chance of filing a claim with insurance. So, insurance companies will often charge women less than men.

Men generally pay around $10 per month more than women with Allstate, and about $8 more with Partners Mutual.

When it comes to the cheapest rates for each gender, Partners Mutual offers the most affordable average premiums for both men and women, with average rates $76 less for men and $75 cheaper for women.


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Allstate vs. Partners Mutual: Compare State Minimum vs. Full Coverage Rates

Allstate Partners Mutual
State Minimum*$108$52
Full Coverage**$289$194

*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.

For most people, 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 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 their passengers if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, Partners Mutual has the significant edge, with average monthly premiums coming in at $52. If you want a full coverage policy with the same state minimum limits, Partners Mutual again has the edge, with policies averaging around $194 a month to Allstate's $289.

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

You've probably seen plenty of commercials from car 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 at-fault collisions and speeding tickets lead to higher premiums, but which carrier -- Allstate or Partners Mutual -- has the lowest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate Partners Mutual
Clean Record$156$79
1 Speeding Ticket$183$95

Policyholders who use Allstate for their insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. Partners Mutual policyholders can expect a bit more drastic of an increase of around 17%.

However, Partners Mutual is typically the more affordable option for drivers both with clean records and with a ticket. With Partners Mutual Insurance, drivers with a clean record can save about $77 per month and drivers with a speeding ticket can save around $88 a month.

Which Company is Best for Drivers After an Accident?

Allstate Partners Mutual
Clean Record$156$79
1 At-Fault Accident$229$115

Both companies will raise prices pretty significantly if you get into an at-fault collision with Allstate raising by about 32%. Partners Mutual has a less extreme raise, but you can still expect to pay more than 30% more than you were prior to your first accident.

At the end of the day, the cheaper premiums come from Partners Mutual, with average rates coming in at $115 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

Allstate Partners Mutual
Clean Record$156$79
1 DUI$227$203

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. On average, Partners Mutual will climb your prices around 61% after a DUI, while Allstate's average premiums rise by over 30%.

Partners Mutual has the overall most affordable prices for drivers with a DUI on their records at $203 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Partners Mutual, so the data may be skewed slightly.


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How does Credit Score Impact Allstate and Partners Mutual Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly auto insurance rates. This isn't true for everyone (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it does affect lots of drivers out there.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive prices.

So, which company offers the cheapest premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Allstate Partners Mutual
Excellent Credit Score$145$92
Good Credit Score$172$108

If you have a great credit score, Partners Mutual will usually reward you the most. For policyholders with "excellent" credit scores, Partners Mutual comes in more than 36.55 cheaper. Drivers with "good" credit scores generally save about 37% with Partners Mutual compared to average rates from Allstate.

Which Company is Best for Drivers with Bad Credit?

Allstate Partners Mutual
Fair Credit Score$203$126
Poor Credit Score$275$166

Partners Mutual typically offers lower premiums than Allstate when it comes to drivers with bad credit. Drivers with "fair" credit pay around 38% per month less with Partners Mutual compared to Allstate, and those with "poor" scores typically save an average of about 40% per month.


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

Allstate Partners Mutual
6,000 Annual Miles$197$123
12,000 Annual Miles$200$123

How much you drive can have a large impact on your monthly rates. That's because the fewer miles you drive, 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 Partners Mutual charges. However, there's a small difference in monthly prices 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, Partners Mutual is the less expensive carrier.

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

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

Allstate Partners Mutual
Urban Areas$222$143
Suburban Areas$199$108
Rural Areas$174$118

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

For drivers in urban ZIP codes, Partners Mutual Insurance's average prices are about 36% less than Allstate. People who live in suburban areas pay around 46% less with Partners Mutual compared to Allstate. Those in rural areas can expect to save about 32% with Partners Mutual compared to Allstate.

Allstate vs. Partners Mutual Discounts

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

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allstate and Partners Mutual 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 Partners Mutual
ABS Discount
Advance Quote Discount
Agency Transfer Discount 
Alert Driving Discount 
Annual Mileage Discount 
Anti-Theft Discount
Covid-19 Relief Discount 
Defensive Driver Discount 
Distant Student Discount 
Drive Wise Discount 
Driver Training Discount 
DRL Discount 
Economy Car Discount 
EFT Discount 
ESC Discount
Farm Discount 
Good Driving Discount 
Good Hands Discount 
Good Payer Discount 
Good Student Discount 

Allstate blows Partners Mutual away when it comes to the sheer amount of discounts available, offering 32 more discounts than Partners Mutual.

A couple of those are overlapping for things like advance quote discounts, ESC discounts, and multi-policy discounts. Allstate also offers discounts for agency transfer, alert driving, annual mileage, and more.

On the other hand, Partners Mutual has a proprietary discount of their own -- a group discounts.


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

So, we've broken down the average rates for many of the factors auto insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, is Allstate or Partners Mutual the right one for you, your vehicle, and your wallet?

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

  • Your driving record includes a DUI charge.
  • You want the most robust protection via a "full coverage" policy.
  • You drive often but have a short commute.


Allstate might be best for you if...

  • You are considering moving to another state -- Partners Mutual Insurance is only available in Iowa.
  • You're looking for discounts -- Allstate has the most.

Hopefully, this guide has ben a valuable resource as you compare Allstate and Partners Mutual and that you can now make a more informed decision when it comes to 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 Partners Mutual. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.


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Allstate vs. Partners Mutual FAQs

Is Allstate or Partners Mutual cheaper?

Partners Mutual is the more affordable of the two carriers when looking at national average prices, with policies averaging $123 a month with Partners Mutual and $199 for Allstate. Even so, that doesn't mean Partners Mutual will be the cheapest carrier for each driver, since there are lots of different variables that come into play when it comes to your insurance payment.

Who is better, Allstate or Partners Mutual?

Sadly, the answer truly is "it depends.". No one company is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Allstate and Partners Mutual offer me different rates?

Car insurance companies use a lot of different factors when determining the premiums they charge. Variables such as gender, age, where you park your car, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Partners Mutual calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a variety of different carriers.

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

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

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