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

Quick Facts

• In general, Allstate offers significantly less expensive rates than Personal Service
• Allstate offers more affordable prices for policyholders who have a clean record
• Personal Service offers more affordable rates for residents in New Jersey

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

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

You've maybe even narrowed it down to Allstate or Personal Service for your next policy, but between the two, which one will offer you more affordable prices?

As you can see, Allstate is quite a bit cheaper than Personal Service, with premiums averaging $199 per month compared to $325 with Personal Service when looking at the national average rates for car insurance.

That being said, that doesn't necessarily mean Allstate will be the cheaper option for every driver. Insurance companies vary their prices depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and a variety of other factors, so premiums could differ drastically from person to person.

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

Allstate or Personal Service: Average Car Insurance Rates by State

Allstate and Personal Service only compete against each other in New Jersey, where Allstate offers the cheaper average prices. For New Jersey residents, Allstate offers auto insurance for $261 monthly on average. Personal Service's average premiums come out to be over 20% more expensive, at $325 per month.

There are plenty of other factors that go into your car insurance payment than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any other group of drivers out there on the road. That's generally because young, inexperienced 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 car insurance pay nearly $200 less than those who use Personal Service. It's worth noting that Allstate offers auto insurance in 47 different states compared to Personal Service's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both carriers will drop premiums by the time you turn 25. For example, average rates for Allstate policyholders decrease almost $300 and Personal Service's prices lower more than $300 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Allstate and Personal Service specifically, which company is best for retired drivers? Allstate gets the edge, with premiums for drivers 65 and older $79 less expensive than the national average for Personal Service.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for single policyholders than they are for married drivers. This usually boils down to married policyholders having more than one car on their policy -- something several car insurance companies will reward with discounts.

When it comes to relationship status, Allstate is the clear winner for single drivers, with premiums about $139 a month cheaper than Personal Service, on average. The advantage for married couples with Allstate is also obvious, where drivers save around $100 per month.

Allstate vs. Personal Service: Average Rates by Gender

Men tend to pay more for auto insurance than women. This is because men are more likely to get into accidents and get tickets, which increases the chances of an insurance claim.

Men usually pay about $10 a month more than women with Allstate, and over $45 with Personal Service.

Looking at the data for each carrier specifically, Allstate comes out as the most affordable option for both genders. On average, male drivers save about $145 per month and women save around $108 with Allstate compared to the average Personal Service policyholder.

Allstate or Personal Service: 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.

For most people, insurance isn't the easiest topic to understand. There are many different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum limits for liability insurance, Allstate generally offers significantly more affordable rates of $108 compared to Personal Service's $228. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies about $150 a month cheaper than Personal Service, on average.

Is Allstate or Personal Service Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

You'll probably end up paying more with tickets and accidents on your record, but which of these two companies offers the lowest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their prices to go up an average of $27 per month if they get a ticket, while Personal Service typically raises rates around $35 a month, on average.

However, Allstate has less expensive prices for drivers in both categories, offering rates that are $102 and $110 more affordable, respectively, compared to Personal Service Insurance Company.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with Personal Service increasing by $90. Allstate has a less extreme climb, but you can still expect to pay just under $75 more than you were prior to your first collision.

Overall, Allstate offers the cheapest prices for drivers with an at-fault accident on their records, with monthly rates averaging $229 compared to Personal Service Insurance Company's $348.

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 car insurance bill -- normally a lot more than an accident or speeding ticket. For example, Personal Service increases average premiums by nearly $150 per month -- that's over a 35% increase.

Allstate has the overall lowest rates for drivers with a DUI on their records at $227 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Personal Service, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Personal Service Rates?

Did you know that many insurance companies take your credit score into account when calculating premiums? This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for a lot of drivers.

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

So, which company offers the most affordable prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Allstate. Drivers with "excellent" credit can save just under 45% compared to Personal Service, and those with "good" scores can also expect to see savings -- about $140 or 45% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower premiums than Personal Service when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $142 a month less with Allstate compared to Personal Service, and those with "poor" scores usually save an average of about $105 per month.

Is Allstate or Personal Service Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly rates. Generally, the more miles you put on your vehicle, the more you can expect to pay for insurance.

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

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

Where you park your car can have a sizable impact on your monthly car insurance bill. Typically, those who live in urban areas will pay more than policyholders in rural areas because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

Allstate boasts the cheapest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable premiums from both companies, but Allstate comes out on top with average prices about $174 a month. Allstate also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a $180 and $156 per month respective difference when compared to Personal Service drivers in similar areas.

Allstate vs. Personal Service Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you can take advantage of.

In the section below, we've compared all of the different discounts offered by Allstate and Personal Service 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 knocks Personal Service out of the park when it comes to the sheer number of discounts available, offering 30 more discounts than Personal Service.

A couple of those are overlapping for things like good payer discounts, discounts for being a homeowner, and passive restraint discounts. Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Personal Service does not.

On the flip side, Personal Service has a couple unique discounts of its own -- cellphone safety discounts and multi-car/single driver discounts.

Final Thoughts: Is Allstate or Personal Service Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, which insurance company is the right carrier for you and your specific needs?

Allstate might be best for you if....

• You haven't received any speeding tickets or been in a collision in the last few years.
• You're looking for more protection with "full coverage" insurance.
• Your neighborhood is in a rural area.

Personal Service might be best for you if...

• You like the personalized touch of a small, local carrier.

We hope this guide has ben a valuable resource as you compare Allstate and Personal Service. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Allstate and Personal Service. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Allstate vs. Personal Service FAQs

Is Allstate or Personal Service cheaper?

Looking just at the national average rates, Allstate is the more affordable of the two companies, offering average rates of $199 a month compared to $325 for Personal Service. Even so, Allstate won't necessarily be the lowest company for each driver, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Personal Service?

Unfortunately, the real answer is "it depends.". No single carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do Allstate and Personal Service offer me different rates?

Insurance carriers take a look at many different factors when determining the prices they charge policyholders. Variables like age, where you call home, your driving record, gender, and sometimes even things like your credit score can all be used. Both Allstate and Personal Service use different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from several 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 information once 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 cheapest price. And who knows, the best company for you might not be Allstate or Personal Service 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.