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

How do Allstate and Trexis compare when it comes to insurance rates and discounts? If you want to find out which carrier has the best premiums for your unique profile, check out our latest guide below.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for car insurance, Allstate offers slightly cheaper prices than Trexis
  • Allstate has more affordable premiums for drivers who have a speeding ticket on their driving record
  • Trexis tends to be a much less expensive option for policyholders who live in rural neighborhoods


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

So, you're thinking about switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to Allstate or Trexis as potential options, but which one will offer you more affordable prices?

Allstate Trexis
$199$220

As you can see, Trexis is around $21 more a month than Allstate when looking at the national average rates for auto insurance.

But Allstate may not be the most affordable or best option for every driver out there. Insurance carriers use tons of complex algorithms to determine rates, so depending on how good your credit score is or how clean your driving record is (among a wide array of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both Allstate and Trexis by several different rate factors, so read on to find out which company is the best for you.

Allstate vs. Trexis: Average Car Insurance Rates by State

State Allstate Trexis
AL$148$304
AR$194$136

Allstate and Trexis only compete against each other in two states, with Allstate offering less expensive rates to the average driver in all of them. If you live in Alabama, Allstate is the cheaper of the two companies when looking at the overall average prices. Trexis is the more affordable option in Arkansas.

But there's more to calculating car insurance rates than just your home state. Read on to find out more.


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Which is the Best Company For Young Drivers?

Allstate Trexis
18-year-old drivers$448$501
25-year-old drivers$167$185

Teen drivers will almost always have the most expensive insurance premiums of any group out there on the road. It's because teen drivers are statistically much more likely to get into an accident that results in an auto 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. For example, 18-year-old drivers pay an average of almost 10% less per month by choosing Allstate over Trexis. It's worth noting that Allstate offers auto insurance in 47 different states compared to Trexis's two, which can skew the average prices a bit, but the difference here is still considerable.

However, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Allstate policyholders drop nearly 65% and Trexis's premiums lower almost 65% over that time.

Which is the Best Company for Retired Drivers?

Allstate Trexis
65+-year-old drivers$152$171

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest prices you can find.

But who has the best rates for retired drivers between Allstate and Trexis? Allstate gets the edge here, with average premiums coming in at about $152 a month compared to Trexis's $171.

Which is the Best Company for Married Drivers?

Allstate Trexis
Single$231$263
Married$155$162

You may not be aware, but insurance prices tend to be less expensive for married drivers than they are for single drivers. This usually boils down to married couples having multiple vehicles on their policy -- something a lot of car insurance companies will reward with discounts.

For those who are single, the difference in average premiums between these two carriers is significant, with Allstate prices coming in at around 10% less than Trexis's. It's not quite so glaring for married policyholders, where drivers who use Allstate save about 4% a month.

Allstate or Trexis: Average Rates by Gender

Allstate Trexis
Male$203$230
Female$194$210

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll typically end up paying more for auto insurance than women.

On average, women see rates around 4% per month less with Allstate, and nearly 10% less with Trexis when compared to their male counterparts.

When it comes to the lowest premiums for each gender, Allstate offers the cheapest average prices for both men and women. On average, women save about $16 a month and men save about $27 with Allstate compared to the average Trexis policyholder.


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Allstate vs. Trexis: Compare State Minimum vs. Full Coverage Rates

Allstate Trexis
State Minimum*$108$108
Full Coverage**$289$333

*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 car insurance can be pretty complicated. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Allstate has the slight edge, with average monthly rates 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 per month to Trexis's $333.

Is Allstate or Trexis Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

It's no secret secret that accidents and speeding tickets lead to higher prices, but which carrier -- Allstate or Trexis -- has the most affordable rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate Trexis
Clean Record$156$182
1 Speeding Ticket$183$225

Policyholders who use Allstate for their insurance can normally expect their monthly bill to go up about 15% after getting a speeding ticket. Trexis policyholders can expect a bit more drastic of an increase of around 19%.

Even so, Allstate tends to offer the best prices for drivers both with a ticket and with a clean record -- their rates are around 14% cheaper for drivers with clean records and 19% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate Trexis
Clean Record$156$182
1 At-Fault Accident$229$247

Allstate drivers who get in an accident can expect to see their prices rise by just under $75, while those who have insurance through Trexis will see about a $65 increase.

At the end of the day, Allstate offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $229 compared to Trexis Insurance's $247.

Which Company is Best for Drivers with a DUI?

Allstate Trexis
Clean Record$156$182
1 DUI$227$226

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, Allstate increases average prices by more than $70 a month -- that's more than a 30% increase.

Trexis has the overall cheapest rates for drivers with a DUI on their records at $226 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just two for Trexis, so the data may be skewed slightly.


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How does Credit Score Impact Allstate and Trexis Rates?

Did you know many car insurance carriers take your credit score into account when determining premiums? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for many policyholders.

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

Looking at Allstate and Trexis specifically, which carrier has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Allstate Trexis
Excellent Credit Score$145$195
Good Credit Score$172$216

If you have solid credit, Allstate will usually reward you the most. For policyholders with "excellent" credit scores, Allstate comes in over 25.64 less expensive. Drivers with "good" credit scores normally save around 20% with Allstate compared to average premiums from Trexis.

Which Company is Best for Drivers with Bad Credit?

Allstate Trexis
Fair Credit Score$203$221
Poor Credit Score$275$249

If you have less-than-perfect credit, it can be somewhat of a toss-up as far as which company offers you the best prices. Drivers with "fair" credit pay about 8% less with Allstate than Trexis, but those whose credit is considered "poor" have it flipped -- saving around 9% per month with Trexis.


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

Allstate Trexis
6,000 Annual Miles$197$220
12,000 Annual Miles$200$220

The amount of time you spend behind the wheel of your car plays a big role in how much insurance carriers will charge for coverage. Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Trexis charges. However, there's a small difference in monthly premiums for Allstate, with drivers who put 6,000 miles on their car each year paying about $3 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Allstate is the less expensive company.

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

Where you park your vehicle can have a substantial impact on your monthly auto insurance payment. Generally, those who live in urban areas will pay more than drivers in rural areas due to the number of cars that are on the roads where they live.

Allstate Trexis
Urban Areas$222$270
Suburban Areas$199$223
Rural Areas$174$167

Allstate boasts the most affordable average prices in urban and suburban areas, while Trexis wins in rural areas.

For policyholders in urban ZIP codes, Allstate's average premiums are around 18% less than Trexis Insurance. People who live in suburban areas pay about 11% less with Allstate compared to Trexis. Those in rural areas can expect to save around 4% with Trexis compared to Allstate.

Allstate vs. Trexis Discounts

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

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allstate and Trexis so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate Trexis
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 
Education Discount 
EFT Discount
ESC Discount 
Farm Discount 
Good Driving Discount 
Good Hands Discount 
Good Payer Discount 

Allstate blows Trexis away when it comes to the sheer amount of discounts available, offering 40 different discounts to Trexis's 16.

Both companies offer lots of the same discounts -- like agency transfer discounts, discounts for getting driver training, EFT discounts, and life policy discounts -- but Allstate also offers discounts for ABS, alert driving, annual mileage, and more.

On the other hand, Trexis has a few proprietary discounts of their own for things like education discounts, group discounts, and non-owner discounts.


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Final Thoughts: Is Allstate or Trexis 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, which carrier is the right fit for you?

Allstate might be best for you if....

  • You have a clean driving record, free of collisions, tickets, or DUIs.
  • You have above-average credit.
  • Your neighborhood is in the suburbs.


Trexis might be best for you if...

  • You like the personalized touch of a small, local company.
  • Your driving record includes a DUI charge.
  • You live in a rural area.

Hopefully, this guide helps you get a better idea of the difference between Allstate and Trexis and that it aids in making a more informed decision about your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just Allstate and Trexis. Luckily, sites like Compare.com make it easy for you to do just that. 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.


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Allstate vs. Trexis FAQs

Is Allstate or Trexis cheaper?

Allstate is the more affordable of the two carriers when looking at national average rates, with policies averaging $199 a month with Allstate and $220 for Trexis. But that doesn't mean Allstate will be the cheapest carrier for everyone, since there are a bunch of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Allstate or Trexis?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for each policyholder -- it all depends on what your unique car insurance profile looks like. For example, Trexis is cheaper for drivers who have less-than-stellar credit scores, while Allstate offers less expensive premiums for drivers with an at-fault accident on their record.

Why do Allstate and Trexis offer me different rates?

Auto insurance companies use several different variables when calculating the prices they charge. Factors like your driving record, age, where you live, gender, and sometimes even things like your credit score can all come into play. Both Allstate and Trexis calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Allstate or Trexis 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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