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

Quick Facts

• In general, Rurual Mutual offers cheaper premiums than Allstate
• Allstate has less expensive rates for drivers with a DUI charge on their record
• Rurual Mutual tends to be a much more affordable option for residents of urban areas

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

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

You might have narrowed it down to Allstate or Rurual Mutual as your top options, but between the two, which carrier has less expensive premiums for car insurance?

Looking at nationwide averages, Allstate has average rates that are about 16% per month more expensive than those from Rurual Mutual.

But Rurual Mutual may not be the lowest or best option for each driver out there. Auto insurance companies use tons of complex algorithms to calculate rates, so depending on how clean your driving record is or how good your credit score is (among many other factors), you could see wildly different prices from the ones above.

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

Allstate or Rurual Mutual: Average Car Insurance Rates by State

Allstate and Rurual Mutual only compete against each other in Wisconsin, where Rurual Mutual offers the cheaper average prices. For Wisconsin residents, Rurual Mutual offers car insurance for $167 a month on average. Allstate's average rates come out to be over 10% more expensive, at $189 per month.

That being said, there are plenty of other factors that go into your insurance bill than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. That's usually 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 premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Rurual Mutual over Allstate. It's worth noting that Allstate offers insurance in 47 different states compared to Rurual Mutual's one, which can skew the average prices a bit, but the difference here is still considerable.

However, with both carriers, you'll see your rates reduce significantly by the time you turn 25. For example, average premiums for Allstate policyholders decrease nearly $300 and Rurual Mutual's rates lower around $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance prices you'll ever find. After all, they've likely been driving for quite some time, which normally decreases their chances of accidents and other infractions that can increase premiums.

When looking at Allstate and Rurual Mutual specifically, which company is best for retired drivers? Rurual Mutual gets the edge, with rates for drivers 65 and older $17 more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are generally cheaper for married couples than they are for those who are single? That's typically because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Rurual Mutual is the clear winner for single drivers, with rates about $42 per month more affordable than Allstate, on average. The advantage is also clear for married policyholders - Rurual Mutual offers the cheapest average prices.

Allstate vs. Rurual Mutual: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to car insurance men will normally end up paying a little more.

With Allstate, men usually pay almost $10 a month more than women, while with Rurual Mutual, the difference is closer to $11 per month.

Looking at the data for each carrier specifically, Rurual Mutual comes out as the lowest option for both genders, with average premiums 15% less for men and 16% cheaper for women.

Allstate or Rurual 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 auto insurance can be pretty complicated. There are multiple different coverages that account for a bunch 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.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability limits, Rurual Mutual generally offers significantly cheaper prices of $67 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Rurual Mutual again has the edge, with policies around $20 a month less expensive than Allstate, on average.

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

You've probably seen plenty of commercials from insurance companies offering great premiums 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 collisions on your record, but which of these two carriers offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 per month if they get a ticket, while Rurual Mutual typically raises rates about $10 a month, on average.

Even so, Rurual Mutual is usually the cheaper option for drivers both with clean records and with a speeding ticket. Drivers with a clean record can save around $39 per month and drivers with a ticket can save about $56 a month with Rurual Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their prices climb by over 30%, while those who have insurance through Rurual Mutual will see around a 15% increase.

Overall, Rurual Mutual offers the most affordable rates for drivers with an at-fault accident on their records, with monthly prices averaging $136 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 a collision. For example, Rurual Mutual increases average premiums by over $150 per month -- that's just under a 60% increase.

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

How does Credit Score Impact Allstate and Rurual Mutual Rates?

Did you know that many auto insurance companies take into account your credit score when calculating rates? This isn't always the case (for example, California and Hawaii are two states that ban the practice entirely), but it will come into play for several policyholders.

The reasoning car insurance carriers use is that drivers 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 premiums.

Looking at Allstate and Rurual Mutual specifically, which company has the cheapest prices 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 Rurual Mutual. Drivers with "excellent" credit can save nearly 15% compared to Allstate, and those with "good" scores can also expect to see savings -- about $32 or 19% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Rurual Mutual typically offers lower premiums than Allstate when it comes to drivers with bad credit. Drivers with "fair" credit pay around $25 a month less with Rurual Mutual compared to Allstate, and those with "poor" scores typically save an average of about $48 a month.

Is Allstate or Rurual Mutual 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 how much auto insurance companies will charge for coverage. Usually, the more miles you put on your vehicle, the more you can expect to pay for car insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Rurual Mutual charges. However, there's a small difference in monthly rates for Allstate, with policyholders who drive 6,000 miles every year paying around $3 less each month compared to those who drive 12,000 miles annually. Still, Rurual Mutual is the less expensive option for drivers in both categories.

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

Where you call home can play a pretty big role in how much you pay for insurance. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

Rurual Mutual tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

If you live in a rural area, you can expect to save about $16 with Rurual Mutual compared to Allstate. Drivers in suburban ZIP codes pay around $67 less with Rurual Mutual compared to Allstate. In urban areas, Rurual Mutual Insurance's average rates are about $11 less than Allstate.

Allstate vs. Rurual Mutual 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, and 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 difficult 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 table below, we've broken down all of the different discounts offered by both Allstate and Rurual Mutual so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Allstate blows Rurual Mutual away when it comes to the sheer amount of discounts available, offering 40 different discounts to Rurual Mutual's six.

Both carriers offer quite a few of the same discounts -- like distant student discounts, multi-policy discounts, and paid in full discounts -- but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Rurual Mutual does not.

On the flip side, Rurual Mutual has a couple unique discounts of its own -- claim free discounts and group discounts.

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

You've seen the effect certain factors have on your auto insurance and the different discounts companies offer. But, when it comes down to it, is Allstate or Rurual Mutual the best one for you and your specific driver profile?

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

• You have received a ticket within the last few years.
• You're looking for more protection with "full coverage" insurance.
• Your neighborhood is in a rural area.

Allstate might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You have a DUI charge on your record.
• You care about discounts (Allstate offers the most).

We hope this guide has ben a valuable resource as you compare Allstate and Rurual Mutual and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Allstate and Rurual Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Allstate vs. Rurual Mutual FAQs

Is Allstate or Rurual Mutual cheaper?

Looking just at the national average prices, Rurual Mutual is the cheaper of the two carriers, offering average rates of $167 per month compared to $199 for Allstate. That being said, Rurual Mutual won't necessarily be the cheapest company for every policyholder, since there are a variety of different variables that come into play when it comes to your auto insurance cost.

Who is better, Allstate or Rurual Mutual?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for each driver -- it all depends on the makeup of your unique car insurance profile. For example, Allstate offers more affordable premiums for drivers with a recent DUI, while Rurual Mutual is less expensive for drivers with excellent credit.

Why do Allstate and Rurual Mutual offer me different rates?

Insurance companies take a look at a lot of different factors when determining the prices they charge policyholders. Things such as age, gender, your driving record, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Rurual Mutual calculate rates differently, 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 many different carriers.

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

The only way to find the car insurance carrier 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 ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be Allstate or Rurual Mutual 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.