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

Quick Facts

• Looking at the national averages for auto insurance, Allstate offers slightly more affordable premiums than Safety
• Allstate tends to be a much less expensive option for residents of urban areas
• Safety has cheaper rates for drivers who have less-than-stellar credit

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

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Allstate or Safety as potential options, but which company has less expensive prices for insurance?

Looking at the national average rates for both companies, Allstate is about $18 per month cheaper than Safety.

However, that doesn't necessarily mean Allstate will be the more affordable option for each driver. Auto insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a variety of other factors. So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

Allstate or Safety: Average Car Insurance Rates by State

Allstate and Safety only compete against each other in two states, with Allstate offering cheaper prices to the average driver in all of them. Massachusetts has the most noticable difference, where Allstate rates are over 60% more affordable than car insurance prices at Safety.

There are plenty of other factors that go into your insurance cost than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. That's because young, inexperienced 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use Safety save more than $25 a month compared to those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to Safety's two, which can skew the average premiums a bit, but the difference here is still considerable.

But both companies will decrease rates by the time drivers turn 25. Safety offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Allstate still has the cheapest premiums at $167 monthly.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the most affordable insurance prices you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for car insurance.

But who has the best prices for retired drivers between Allstate and Safety? Allstate gets the slight edge here, with average premiums coming in at around $152 a month compared to Safety's $164.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are normally less expensive for married policyholders than they are for single policyholders? That's generally because married couples tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, the two carriers are comparable for those who are single, with prices only differing about $10 per month, on average. The advantage for married drivers is more obvious, where drivers who use Allstate save over $30 a month.

Allstate vs. Safety: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident, which means they'll normally end up paying more for car insurance than women.

On average, men see premiums around 4% per month higher with Allstate, and about 5% more with Safety.

Looking at overall affordability, Allstate comes out on top for both men and women, with average prices 9% less for men and 8% cheaper for women.

Allstate or Safety: 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 insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with liability coverage).

If you're looking for state minimum liability limits, Allstate typically offers cheaper premiums of $108 compared to Safety's $122. When it comes to full coverage policies with similar limits, Allstate again has the edge, with policies around $25 a month less expensive than Safety, on average.

Is Allstate or Safety Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that at-fault accidents and tickets lead to higher rates, but which carrier -- Allstate or Safety -- has the lowest prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their rates to go up an average of $27 per month if they get a ticket, while Safety generally raises premiums about $61 a month, on average.

If you have a clean record, Safety tends to offer the best prices at around 17% more affordable, while Allstate has the edge for drivers with a speeding ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their rates climb by just under $75, while those who have insurance through Safety will see about a $95 increase.

Overall, Safety offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly rates averaging $226 compared to Allstate's $229.

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 insurance bill -- usually a lot more than a collision or ticket. Safety drivers usually see a 60% climb in their auto insurance prices after a DUI charge, while Allstate will typically increase premiums by around 31%.

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

How does Credit Score Impact Allstate and Safety Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for a lot of policyholders.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper rates.

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Safety. Drivers with "excellent" credit can save 2% compared to Allstate, and those with "good" scores can also expect to see savings -- about $21 or 12% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Safety typically offers lower premiums than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $15 per month less with Safety compared to Allstate, and those with "poor" scores usually save an average of about $14 a month.

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

How much you drive can have a sizable impact on your monthly rates. Normally, the more miles you put on your car each year, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, Allstate offers more affordable premiums than Safety. Allstate's average prices for drivers with 6,000 annual miles come in around $19 less expensive than Safety. Those who drive 12,000 miles each year can expect to pay about $19 less with Allstate over Safety.

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

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a pretty big impact as well. Generally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Looking at these carriers side-by-side, Allstate typically comes out as the more affordable option for drivers in urban and suburban areas, while Safety wins in rural areas.

If you live in a rural area, you can expect to save around $26 with Safety compared to Allstate. Drivers in suburban ZIP codes pay about $22 less with Allstate compared to Safety. In urban areas, Allstate's average rates are around $60 less than Safety Insurance.

Allstate vs. Safety Discounts

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

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Below, we've compared all of the different discounts offered by Allstate and Safety so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Allstate knocks Safety out of the park when it comes to the sheer number of discounts available, offering 22 more discounts than Safety.

A couple of those are overlapping for things like annual mileage discounts, distant student discounts, discounts for getting driver training, and mature driver discounts. Allstate also offers ABS discounts, agency transfer discounts, alert driving discounts, and more that Safety does not.

On the flip side, Safety has a couple unique discounts of its own -- book transfer policy discounts, e-signature discounts, employee discounts, and more.

Final Thoughts: Is Allstate or Safety Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts companies offer. But, at the end of the day, which insurance carrier is the right one for you and your specific driver profile?

Allstate might be best for you if....

• You have a DUI charge on your record.
• You want basic insurance coverage at the state minimum limits.
• Your home is located in the suburbs.

Safety might be best for you if...

• You haven't received any speeding tickets or been in an accident in the last few years.
• Your credit score is high.
• Your neighborhood is in a rural area.

We hope this guide helps you get a better idea of the difference between Allstate and Safety. 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 several carriers, not just Allstate and Safety. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Allstate vs. Safety FAQs

Is Allstate or Safety cheaper?

Looking just at the national average premiums, Allstate is the cheaper of the two carriers, offering average rates of $199 a month compared to $217 for Safety. That being said, Allstate won't necessarily be the most affordable company for every policyholder, since there are many different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Safety?

Sadly, the only answer we can give you is "it depends.". No one carrier is necessarily "better" for each driver -- it all depends on what your unique auto insurance profile looks like. For example, Allstate offers less expensive rates for drivers with a recent DUI, while Safety is cheaper for drivers with excellent credit.

Why do Allstate and Safety offer me different rates?

Insurance companies take a look at quite a few different factors when determining the premiums they charge policyholders. Things like your driving record, where you call home, age, gender, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Safety calculate prices differently, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the car insurance carrier 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, 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 insurance carriers in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Allstate or Safety 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.