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

Quick Facts

• In general, Allstate offers significantly less expensive premiums than UAIC
• Allstate has more affordable prices for policyholders who have a short commute
• UAIC has cheaper rates in FL

Allstate or UAIC: 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 huge savings. But exactly how much can you save by switching?

You might have narrowed it down to Allstate or UAIC for your next policy, but between the two, which one will offer you less expensive premiums?

Looking at nationwide averages, UAIC is quite a bit more expensive than Allstate, with prices averaging $337 a month compared to just $199 with Allstate.

But that doesn't mean Allstate will necessarily be more affordable than UAIC for each driver. Insurance carriers use a ton of complex algorithms to determine premiums, so depending on where you live or how good your credit score is (among a whole range of other factors), you could see wildly different rates from the ones above.

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

Allstate vs. UAIC: Average Car Insurance Rates by State

Allstate and UAIC only compete against each other in Florida, where Allstate offers the cheaper average premiums. Allstate drivers tend to pay about $33 per month less on average compared to drivers who use UAIC for their auto insurance.

But there's more to calculating car insurance rates than just where you live. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any group out there on the road. It's normally 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.

However, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Allstate save almost 30% a month compared to those who use UAIC. It's worth noting that Allstate offers car insurance in 47 different states compared to UAIC's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Allstate policyholders reduce around $300 and UAIC's premiums lower about $300 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Allstate and UAIC specifically, which company is best for retired drivers? Allstate gets the edge here, with average rates coming in at around $152 a month compared to UAIC's $266.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average rates between these two carriers is significant, with Allstate prices coming in at a third less than UAIC's. The advantage is also clear for married policyholders - Allstate offers the most affordable average rates.

Allstate or UAIC: Average Rates by Gender

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 car insurance than women.

With Allstate, men generally pay nearly $10 per month more than women, and about $4 more with UAIC.

Looking at the data for each carrier specifically, Allstate comes out on top for both men and women, with average prices 40% less for men and 42% cheaper for women.

Allstate vs. UAIC: 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.

Insurance isn't the easiest topic to understand. There are a bunch of different coverages that account for lots of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability limits, Allstate has the significant edge, with average monthly premiums 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 UAIC's $398.

Is Allstate or UAIC Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great rates 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 speeding tickets and at-fault accidents on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their insurance can normally expect their monthly bill to go up about 15% after getting a speeding ticket. UAIC policyholders can expect a bit more drastic of an increase of around 22%.

Even so, Allstate is typically the less expensive option for both drivers who have a recent ticket and those with clean records -- their rates are around 39% more affordable for drivers with clean records and 44% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their premiums rise by over 30%, while those who have insurance through UAIC will see about a 20% increase.

At the end of the day, the cheaper rates come from Allstate, with average prices coming in at $229 compared to UAIC's $326.

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 an accident. UAIC drivers usually see a 43% increase in their car insurance premiums after a DUI charge, while Allstate will generally climb rates by around 31%.

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 UAIC, so the data may be skewed slightly.

How does Credit Score Impact Allstate and UAIC Rates?

Often times, your credit score can be used as one of the factors to calculate your monthly auto insurance premiums. This isn't true for everyone (for example, are two states that ban the practice entirely), but it does affect a lot of policyholders out there.

The reasoning car insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Allstate will normally reward you the most. For drivers with "excellent" credit scores, Allstate comes in more than 56.97 cheaper. Drivers with "good" credit scores typically save about 49% with Allstate compared to average premiums from UAIC.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower rates than UAIC when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 40% per month less with Allstate compared to UAIC, and those with "poor" scores usually save an average of about 18% per month.

Is Allstate or UAIC 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 premiums. Normally, those who drive fewer miles will end up with more affordable prices since there's less of a chance of causing a collision 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 UAIC charges. However, there's a small difference in monthly rates for Allstate, with drivers who put 6,000 miles on their car annually paying around $3 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Allstate is the less expensive carrier.

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

Where your home is can play a big role in how much you pay for auto insurance. Generally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the roads where they live.

Allstate tends to offer the most affordable premiums for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Allstate's average rates are about $180 less than UAIC. People who live in suburban areas pay around $191 less with Allstate compared to UAIC. Those in rural areas can expect to save about $46 with Allstate compared to UAIC.

Allstate vs. UAIC 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 hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and looked at all of the different discounts Allstate and UAIC offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Allstate blows UAIC away when it comes to the sheer amount of discounts available, offering 28 more discounts than UAIC.

There are a couple discounts both carriers offer, but Allstate also offers discounts for advance quote, alert driving, annual mileage, and more.

On the other hand, UAIC has a proprietary discount of their own -- a intra-agency transfer discounts.

Final Thoughts: Is Allstate or UAIC Best for You?

So, we've broken down the average prices for many of the variables auto insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the right fit for you?

Allstate might be best for you if....

• You have received a ticket within the last few years.
• You are purchasing your insurance with a spouse.

UAIC might be best for you if...

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

Hopefully, this guide has ben a valuable resource as you compare Allstate and UAIC. We also hope we've given you the information you need to make the best decision about your auto insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from multiple carriers, not just Allstate and UAIC. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top insurance companies in your area, all in just a few minutes.

Allstate vs. UAIC FAQs

Is Allstate or UAIC cheaper?

Allstate is the cheaper of the two carriers when looking at national average premiums, with policies averaging $199 a month with Allstate and $337 for UAIC. But that doesn't mean Allstate will be the cheapest company for each driver, since there are a range of different factors that are considered when it comes to your auto insurance payment.

Who is better, Allstate or UAIC?

Sadly, the real answer is "it depends.". Neither carrier is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Allstate and UAIC offer me different rates?

Insurance companies use quite a few different variables when determining the rates they charge. Factors like gender, where you call home, age, your driving record, and sometimes even things like your credit score can all come into play. Both Allstate and UAIC calculate prices using different variables, so it's likely they'll offer different rates. The best way to determine which company is the lowest for you is by comparing personalized quotes from many different carriers.

How do I know if Allstate or UAIC 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, Compare.com does all the hard work for you. Just enter your information once 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 best premium. And maybe you'll find that the best company for you isn't Allstate or UAIC 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.