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

Quick Facts

• Looking at the national averages for car insurance, Union Mutual offers significantly cheaper prices than Allstate
• Allstate tends to be a much less expensive option for drivers with a DUI charge on their record
• Union Mutual has more affordable rates for policyholders who may not have much of a commute

Allstate vs. Union Mutual: 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 hefty discounts. But exactly how much can you save by switching?

You might have narrowed it down to Allstate or Union Mutual for your next policy, but which one has cheaper premiums for insurance?

As you can see, Union Mutual is quite a bit cheaper than Allstate, with prices averaging $132 per month compared to $199 with Allstate when looking at the national average rates for auto insurance.

Even so, Union Mutual may not be the cheapest or best option for every single driver out there. Car insurance companies use a ton of complex algorithms to calculate rates, so depending on how clean your driving record is or how old you are (among a lot of other factors), you could see wildly different prices from the ones above.

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

Allstate or Union Mutual: Average Car Insurance Rates by State

Allstate and Union Mutual only compete against each other in Vermont, where Allstate offers the cheaper average premiums. For Vermont residents, Allstate offers auto insurance for $92 monthly on average. Union Mutual's average prices come out to be over 40% more expensive, at $132 per month.

That being said, there's a lot more that goes into your insurance payment than just your home state. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any other group of drivers. Typically, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

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 Union Mutual over Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to Union Mutual's one, which can skew the average rates a bit, but the difference here is still considerable.

However, both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Allstate policyholders decrease nearly 65% and Union Mutual's prices drop over 70% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Allstate and Union Mutual? Union Mutual gets the edge, with rates for drivers 65 and older $55 more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are usually less expensive for married couples than they are for those who are single? This usually boils down to married drivers having several cars on their policy -- something quite a few car insurance companies will reward with discounts.

When it comes to relationship status, Union Mutual is the clear winner for single policyholders, with premiums about $71 per month more affordable than Allstate, on average. The advantage is also clear for married policyholders - Union Mutual offers the lowest average rates.

Allstate vs. Union Mutual: Average Rates by Gender

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

Women typically pay around 4% a month less than men with Allstate, while with Union Mutual, the difference is closer to 10% per month.

Looking at the data for each company specifically, Union Mutual comes out on top for both men and women, with average premiums $64 less for men and $69 cheaper for women.

Allstate or Union 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.

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 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 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 a liability policy).

If you're looking for state minimum liability insurance, Union Mutual usually offers significantly less expensive prices of $48 compared to Allstate's $108. When it comes to full coverage policies with similar limits, Union Mutual again has the edge, with policies about $75 a month cheaper than Allstate, on average.

Is Allstate or Union Mutual 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.

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

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their prices to go up an average of $27 per month if they get a ticket, while Union Mutual normally raises rates around $4 a month, on average.

But Union Mutual has less expensive prices for drivers in both categories, offering premiums that are 44% and 50% more affordable, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

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

Overall, Union Mutual offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $103 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 car insurance bill -- generally a lot more than a collision or speeding ticket. For example, Union Mutual increases average rates by over $150 per month -- that's just under a 65% increase.

Allstate has the overall lowest premiums 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 Union Mutual, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Union Mutual Rates?

You may not have known, but your credit score can be used as one of the variables to determine your monthly auto insurance prices. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for lots of policyholders.

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

So, which carrier offers the best rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Union Mutual. Policyholders with "excellent" credit can save over 30% compared to Allstate, and those with "good" scores can also expect to see savings -- around $65 or 38% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

Union Mutual typically offers lower prices than Allstate when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $76 a month less with Union Mutual compared to Allstate, and those with "poor" scores typically save an average of around $81 monthly.

Is Allstate or Union 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 your monthly rates. That's because the fewer miles you put on your car, the less likely you are to get into an accident and cause an insurance claim.

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

Allstate vs. Union Mutual: 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 insurance, but the type of area you live in can have a sizable impact as well. Usually, those who live in rural areas will pay less than drivers in urban areas because of the small number of cars that are on the roads in those areas.

Union Mutual boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Union Mutual's average rates are around $94 less than Allstate. Drivers in suburban ZIP codes pay about $64 less with Union Mutual compared to Allstate. If you live in a rural area, you can expect to save around $42 with Union Mutual compared to Allstate.

Allstate vs. Union Mutual Discounts

Regardless of 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 possible. That's where insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you qualify for.

Below, we've taken a look at all of the different discounts Allstate and Union Mutual 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 Union Mutual away when it comes to the sheer amount of discounts available, offering 40 different discounts to Union Mutual's 10.

A couple of those are overlapping for things like discounts for getting driver training, discounts for being a good student, and passive restraint discounts. Allstate also offers advance quote discounts, agency transfer discounts, alert driving discounts, and more that Union Mutual does not.

On the flip side, Union Mutual has a couple unique discounts of its own -- company car discounts and hybrid vehicle discounts.

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

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and we've shown you all the discounts each carrier offers. But, when it comes down to it, which insurance company is the best company for you and your specific profile and needs?

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

• You're single and purchasing car insurance by yourself.
• Your neighborhood is in the suburbs.
• You are purchasing your insurance with a spouse.

Allstate might be best for you if...

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

We hope this guide helps you get a good idea of the differences between Allstate and Union Mutual. 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 companies, not just Allstate and Union Mutual. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance carriers in your area, all in just a few minutes.

Allstate vs. Union Mutual FAQs

Is Allstate or Union Mutual cheaper?

Looking just at the national average rates, Union Mutual is the less expensive of the two companies, offering average rates of $132 per month compared to $199 for Allstate. That being said, Union Mutual won't necessarily be the most affordable company for everyone, since there are a variety of different variables that are considered when it comes to your auto insurance cost.

Who is better, Allstate or Union Mutual?

Sadly, the real answer is "it depends.". No one carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, Allstate offers cheaper prices for drivers with a recent DUI, while Union Mutual is more affordable for drivers with excellent credit.

Why do Allstate and Union Mutual offer me different rates?

Car insurance carriers take a look at many different factors when calculating the rates they charge policyholders. Variables like age, where you call home, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Union Mutual use different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers 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 ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Allstate or Union 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.