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

Quick Facts

• Based on national averages for auto insurance, Allstate offers significantly more affordable rates than Pure
• Allstate has cheaper prices for policyholders whose driving record contains an at-fault collision
• Pure has less expensive rates in CA

Allstate or Pure: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering hefty savings, but exactly how much money can you save by switching?

You might be considering Allstate or Pure, but which one will save you the most?

Looking at the national average rates for both carriers, Pure is quite a bit more expensive than Allstate, with premiums averaging $331 a month compared to just $199 with Allstate.

However, that doesn't mean Allstate will necessarily be cheaper than Pure for every driver. Car insurance companies vary their prices depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and a variety of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Allstate or Pure is really the best for you, keep reading to see average prices for each company broken down by multiple different rate factors.

Allstate vs. Pure: Average Car Insurance Rates by State

Allstate and Pure only compete against each other in California, where Allstate offers the cheaper average rates. Allstate drivers tend to pay about $99 per month less on average compared to drivers who use Pure for their auto insurance.

There's a lot more that goes into your insurance bill than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

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 insurance pay over 40% less than those who use Pure. It's worth noting that Allstate offers auto insurance in 47 different states compared to Pure's one, which can skew the average rates a bit, but the difference here is still considerable.

Even so, both carriers will reduce premiums once you turn 25. For example, average rates for Allstate policyholders drop around $300 and Pure's premiums decrease about $400 over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you'll ever find.

When looking at Allstate and Pure specifically, which carrier is best for retired drivers? Allstate gets the edge here, with average rates coming in at around $152 monthly compared to Pure's $234.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more affordable for married drivers than they are for single drivers. That's because policies for married policyholders normally cover multiple vehicles, which many companies will give you a discount for.

For single policyholders, the difference in average premiums between these two carriers is significant, with Allstate rates coming in at about 40% less than Pure's. The advantage is also clear for married couples - Allstate offers the cheapest average premiums.

Allstate or Pure: Average Rates by Gender

Did you know women tend to pay less for insurance than men? This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher prices.

Usually, men see rates around 4% a month higher with Allstate; everyone gets the same monthly prices regardless of gender with Pure.

Looking at overall affordability, Allstate offers the lowest average premiums for both men and women. On average, women save about $137 per month and men save about $128 with Allstate compared to the average Pure policyholder.

Allstate vs. Pure: 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 isn't the easiest topic to understand. There are several different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

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 if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum liability limits, Allstate has the 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 a month to Pure's $528.

Is Allstate or Pure 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.

You'll probably end up paying more with speeding tickets and at-fault collisions on your record, but which of these two companies offers the cheapest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their auto insurance can usually expect their monthly bill to go up about 15% after getting a speeding ticket. Pure policyholders can expect a bit more drastic of an increase of around 28%.

That being said, Allstate has less expensive rates for drivers in both categories, offering prices that are 23% and 35% more affordable, respectively, compared to PURE Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Allstate can expect to see about an $73 -- or around 32% -- rise in their auto insurance premiums. Drivers who use Pure for their car insurance will see a monthly bill about $150 (or 43%) more expensive after reporting an accident to their insurance company.

At the end of the day, the less expensive rates come from Allstate, with average prices coming in at $229 compared to PURE Insurance's $352.

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 auto insurance bill -- generally a lot more than a collision or ticket. Pure drivers usually see a 59% increase in their car insurance rates after a DUI charge, while Allstate will normally raise premiums by around 31%.

Allstate has the overall most affordable 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 Pure, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Pure Rates?

In many cases, your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it will come into play for quite a few drivers.

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

Looking specifically at Allstate and Pure, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Generally, if you have fantastic credit, you can expect to be rewarded. With Allstate, improving your score from "good" to "excellent" will generally save you about 15%. On the other hand, because Pure doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Allstate. For drivers with less-than-stellar credit, at Allstate, you may pay around 25% per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. Because Pure doesn't have data available for credit scores, they may have better rates for drivers with bad credit over Allstate.

Is Allstate or Pure 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 car insurance cost. Typically, those who drive fewer miles will end up with cheaper premiums since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, Allstate offers less expensive prices than Pure. Pure average premiums for drivers with 6,000 annual miles come in about $78 more expensive than Allstate. Those who drive 12,000 miles yearly can expect to pay around $187 more with Pure over Allstate.

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

Where you call home can have a big impact on your monthly auto insurance payment. Usually, those who live in urban areas will pay more than drivers in rural areas since there are a lot more cars on the roads where they live.

When comparing these two companies side-by-side, Allstate generally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Allstate's average rates are about $149 less than PURE Insurance. People who live in suburban areas pay around $114 less with Allstate compared to Pure. Those in rural areas can expect to save about $134 with Allstate compared to Pure.

Allstate vs. Pure Discounts

No matter why you might be in the market for a new car 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 utilizing as many insurance discounts as possible.

The hard part is finding all of the discounts you can take advantage of, 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 looked at all of the different discounts Allstate and Pure offer their customers 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 blows Pure away when it comes to the sheer amount of discounts available, offering 30 more discounts than Pure.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a good driver, discounts for being a good student, and multi-policy discounts. Allstate also offers discounts for advance quote, agency transfer, alert driving, and more.

Pure's discounts come through just a few categories, including ABS, Anti-Theft, Distant Student, and more.

Final Thoughts: Is Allstate or Pure Best for You?

So, you've seen how different variables can affect your auto insurance prices. We've broken down the different discounts each company offers, too. That's all well and good, but when it comes down to it, is Allstate or Pure the best carrier for you and your specific needs?

Allstate might be best for you if....

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You're looking for the best rates on liability only coverage.
• You want to save money while purchasing car insurance for a teenager.

Pure might be best for you if...

• You're looking for the best rates in CA.

Hopefully, this guide helps you get a good idea of the differences between Allstate and Pure. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Allstate and Pure. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

Allstate vs. Pure FAQs

Is Allstate or Pure cheaper?

Allstate is the cheaper of the two carriers when looking at national average premiums, with policies averaging $199 a month with Allstate and $331 for Pure. But that doesn't mean Allstate will be the cheapest carrier for everyone, since there are lots of different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or Pure?

Unfortunately, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Allstate and Pure offer me different rates?

Insurance companies use lots of different variables when determining the prices they charge. Factors such as age, gender, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Pure use 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 bunch of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. 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 most affordable rate. And maybe you'll find that the best carrier for you isn't Allstate or Pure 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.