Allstate vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, United Financial Casualty Company offers significantly less expensive prices than Allstate
• Allstate offers more discounts than United Financial Casualty Company
• United Financial Casualty Company has cheaper premiums for residents of rural areas

Allstate vs. United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. With so many ads from all sorts of companies offering substantial discounts, you're probably wondering exactly how much you might be able to save.

You might be considering Allstate or United Financial Casualty Company as your top options, but between the two, which one will offer you more affordable rates?

As you can see, United Financial Casualty Company is quite a bit cheaper than Allstate, with premiums averaging $133 per month compared to $199 with Allstate when looking at the national average rates for car insurance.

That being said, that doesn't mean United Financial Casualty Company will necessarily be cheaper than Allstate for every driver. Auto insurance companies vary their prices depending on things like how old you are, how clean your driving record is, where you live, how good your credit score is, and tons of other factors, so premiums will change quite a bit from person to person.

So, if you want to find out which of Allstate or United Financial Casualty Company is really the best for you, keep reading to see average prices for each company broken down by a range of different rate factors.

Allstate or United Financial Casualty Company: Average Car Insurance Rates by State

Allstate and United Financial Casualty Company only compete against each other in two states, with United Financial Casualty Company offering more affordable rates to the average driver in all of them. If you live in Maine, Allstate is the less expensive of the two carriers when looking at the overall average premiums. United Financial Casualty Company is the more affordable option in California.

There's a lot more that goes into your insurance payment than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers typically pay a lot more for car insurance than any group on the road. 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. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing United Financial Casualty Company over Allstate. It's worth noting that Allstate offers insurance in 47 different states compared to United Financial Casualty Company's two, which can skew the average prices a bit, but the difference here is still considerable.

But with both companies, you'll see your rates reduce significantly by the time you turn 25. For example, average premiums for Allstate policyholders lower nearly 65% and United Financial Casualty Company's prices drop over 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance rates out there. After all, they've likely been driving for quite some time, which normally lowers their chances of accidents and other infractions that can increase prices.

So, which carrier offers the best premiums to retired drivers? United Financial Casualty Company gets the edge here, with average prices coming in at about $95 per month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are generally more expensive for single drivers than they are for married couples? That's usually because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, United Financial Casualty Company is the clear winner for those who are single, with premiums around $70 per month less expensive than Allstate, on average. For married drivers, the advantage is clear again - United Financial Casualty Company has the edge when it comes to average rates.

Allstate vs. United Financial Casualty Company: 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 typically end up paying a little more.

With Allstate, women generally pay about 4% a month less than men, and around 1% less with United Financial Casualty Company when compared to their male counterparts.

When it comes to the lowest premiums for each gender, United Financial Casualty Company comes out on top for both men and women, with average prices $69 less for men and $62 cheaper for women.

Allstate or United Financial Casualty Company: 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.

For most people, auto insurance isn't the easiest topic to understand. There are a variety of different coverages that account for several 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.

However, most policies end up falling into two different types of coverage -- liability only (that covers property damage and bodily injury 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 what you get with a liability policy).

If you're looking for state minimum liability insurance, United Financial Casualty Company normally offers significantly cheaper premiums of $79 compared to Allstate's $108. When it comes to full coverage policies with similar limits, United Financial Casualty Company again has the edge, with policies about $100 per month more affordable than Allstate, on average.

Is Allstate or United Financial Casualty Company Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car 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 collisions and tickets lead to higher prices, but which company -- Allstate or United Financial Casualty Company -- has the cheapest rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Allstate policyholders can expect their premiums to go up an average of $27 a month if they get a ticket, while United Financial Casualty Company typically raises prices around $34 per month, on average.

Even so, United Financial Casualty Company has less expensive rates for drivers in both categories, offering premiums that are $53 and $46 cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Allstate can expect to see about an $73 -- or around 32% -- increase in their insurance rates. Drivers who use United Financial Casualty Company for their auto insurance will see a monthly bill about $55 (or 35%) more expensive after reporting an accident to their insurance carrier.

Overall, drivers who use United Financial Casualty Company end up with the cheaper prices after an accident, with monthly prices averaging $158 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. Allstate drivers usually see a 31% raise in their car insurance rates after a DUI charge, while United Financial Casualty Company will usually climb prices by around 23%.

United Financial Casualty Company has the overall lowest premiums for drivers with a DUI on their records at $134 monthly, but it's worth noting that Allstate's average rates come from 47 states compared to just two for United Financial Casualty Company, so the data may be skewed slightly.

How does Credit Score Impact Allstate and United Financial Casualty Company Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect quite a few drivers out there.

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

Looking at Allstate and United Financial Casualty Company specifically, which company has the most affordable rates 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 United Financial Casualty Company. Drivers with "excellent" credit can save just under 30% compared to Allstate, and those with "good" scores can also expect to see savings -- about $52 or 30% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower premiums than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $61 a month less with United Financial Casualty Company compared to Allstate, and those with "poor" scores generally save an average of about $103 a month.

Is Allstate or United Financial Casualty Company 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 prices. Normally, the more miles you drive, the more you can expect to pay for coverage.

United Financial Casualty Company tends to be the cheaper option for both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure. United Financial Casualty Company average premiums for drivers with 6,000 annual miles come in over $65 less expensive than Allstate. Those who drive 12,000 miles annually can expect to pay $65 less with United Financial Casualty Company over Allstate.

Allstate vs. United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for insurance. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

United Financial Casualty Company boasts the lowest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable rates from both companies, but United Financial Casualty Company comes out on top with average premiums around $125 per month. United Financial Casualty Company also has cheaper average rates for drivers in urban and suburban ZIP codes -- a $83 and $65 per month respective difference when compared to Allstate policyholders in similar areas.

Allstate vs. United Financial Casualty Company 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, and the best way to do that is by utilizing as many car insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you can take advantage of.

Below, we've broken down all of the different discounts offered by both Allstate and United Financial Casualty Company so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Allstate blows United Financial Casualty Company away when it comes to the sheer amount of discounts available, offering 40 different discounts to United Financial Casualty Company's 18.

Both carriers offer a lot of the same discounts -- like discounts for being a defensive driver, EFT discounts, discounts for being a good driver, and mature driver discounts -- but Allstate also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that United Financial Casualty Company does not.

On the flip side, United Financial Casualty Company has a couple unique discounts of its own -- continuous insurance discounts, e-signature discounts, minor child discounts, and more.

Final Thoughts: Is Allstate or United Financial Casualty Company Best for You?

So, you've seen how different factors can affect your insurance prices. We've broken down the different discounts each company offers, too. But, when it comes down to it, is Allstate or United Financial Casualty Company the right carrier for you and your specific needs?

United Financial Casualty Company might be best for you if....

• You have a DUI charge on your record.
• You're worried about the impact your credit score will have on your rates.
• You don't spend much time in your car.

Allstate might be best for you if...

• You are considering moving to another state -- United Financial Casualty Company is only available in CA and ME.
• You're looking for discounts -- Allstate has the most.

We hope this guide helps you get a good idea of the differences between Allstate and United Financial Casualty Company. We also hope we've given you the information you need to make the best decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just Allstate and United Financial Casualty Company. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance carriers in your area, all for free.

Allstate vs. United Financial Casualty Company FAQs

Is Allstate or United Financial Casualty Company cheaper?

Looking just at the national average premiums, United Financial Casualty Company is the less expensive of the two companies, offering average rates of $133 a month compared to $199 for Allstate. But United Financial Casualty Company won't necessarily be the cheapest carrier for everyone, since there are multiple different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or United Financial Casualty Company?

Sadly, the real answer is "it depends.". No one company is "better" for each driver -- it all boils down to your unique car insurance profile.

Why do Allstate and United Financial Casualty Company offer me different rates?

Auto insurance carriers take a look at a lot of different factors when calculating the prices they charge drivers. Things such as gender, where you live, your driving record, age, and sometimes even things like your credit score can all come into play. Both Allstate and United Financial Casualty Company calculate rates differently, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Allstate or United Financial Casualty Company is right for me?

The only way to find the insurance company that's right for you is by getting quotes from a handful of carriers 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 free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Allstate or United Financial Casualty Company 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.