Allstate vs. Western Reserve Group: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for insurance, Western Reserve Group offers significantly cheaper prices than Allstate
• Allstate may help you save more money -- they offer more discounts than Western Reserve Group
• Western Reserve Group has less expensive rates for policyholders who live in urban areas

Allstate or Western Reserve Group: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You might be considering Allstate or Western Reserve Group as your top options, but between the two, which company will offer you cheaper prices?

As you can see, Allstate has average rates that are around 30% a month more expensive than those from Western Reserve Group when looking at the national average rates for car insurance.

Even so, that doesn't mean Western Reserve Group will necessarily be less expensive than Allstate for each driver. Auto insurance carriers vary their premiums depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and a variety of other factors, so rates could change drastically from person to person.

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

Allstate vs. Western Reserve Group: Average Car Insurance Rates by State

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

But there's more to calculating car insurance premiums than just the state you live in. 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 rates of any group on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Western Reserve Group save almost 40% per month compared to those who use Allstate. It's worth noting that Allstate offers insurance in 47 different states compared to Western Reserve Group's two, which can skew the average prices a bit, but the difference here is still considerable.

That being said, with both carriers, you'll see your premiums reduce significantly by the time drivers turn 25. Western Reserve Group offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Allstate's average rates lower nearly 65% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices out there.

When looking at Allstate and Western Reserve Group specifically, which carrier is best for retired drivers? Western Reserve Group gets the edge, with premiums for drivers 65 and older $45 more affordable than the national average for Allstate.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance rates than married couples. That's because policies for married policyholders generally cover multiple vehicles, which many companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with Western Reserve Group premiums coming in at a third less than Allstate's. The advantage for married drivers with Western Reserve Group is also obvious, where drivers save about $45 a month.

Allstate or Western Reserve Group: Average Rates by Gender

Men tend to pay more for insurance than women. That's because women are less likely to get tickets and get into accidents, which lowers the chances of filing a claim with insurance.

Typically, women see prices around $10 per month cheaper with Allstate, but surprisingly, with Western Reserve Group, women usually pay about $2 a month more than men.

When it comes to the most affordable rates for each gender, Western Reserve Group comes out as the cheapest option for both genders, with average premiums 33% less for men and 29% cheaper for women.

Allstate vs. Western Reserve Group: 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.

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

But most policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, Western Reserve Group has the edge, with average monthly rates coming in at $94. If you want a full coverage policy with the same state minimum limits, Western Reserve Group again has the edge, with policies averaging around $180 per month to Allstate's $289.

Is Allstate or Western Reserve Group Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance companies offering great prices 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 collisions on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their insurance can typically expect their monthly bill to go up about 15% after getting a speeding ticket. Western Reserve Group policyholders can expect a bit more drastic of an increase of around 28%.

That being said, Western Reserve Group tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering prices that are 44% and 33% less expensive, 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 premiums rise by just under $75, while those who have insurance through Western Reserve Group will see about a $30 increase.

At the end of the day, the more affordable rates come from Western Reserve Group, with average prices coming in at $120 compared to Allstate's $229.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. For example, Western Reserve Group increases average premiums by nearly $150 a month -- that's nearly a 60% increase.

Western Reserve Group has the overall lowest rates for drivers with a DUI on their records at $218 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just two for Western Reserve Group, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Western Reserve Group Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it does affect lots of policyholders out there.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have solid credit, Western Reserve Group will usually reward you the most. For drivers with "excellent" credit scores, Western Reserve Group comes in just under 28.97 cheaper. Drivers with "good" credit scores typically save around 32% with Western Reserve Group compared to average premiums from Allstate.

Which Company is Best for Drivers with Bad Credit?

Western Reserve Group typically offers lower rates than Allstate when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about 32% per month less with Western Reserve Group compared to Allstate, and those with "poor" scores generally save an average of around 31% monthly.

Is Allstate or Western Reserve Group 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 how much auto insurance companies will charge for coverage. Normally, the more milage you put on your car each year, the more you can expect to pay for coverage.

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

Allstate or Western Reserve Group: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a sizable 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.

Western Reserve Group boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 28% with Western Reserve Group compared to Allstate. People who live in suburban areas pay about 30% less with Western Reserve Group compared to Allstate. For policyholders in urban ZIP codes, Western Reserve Group's average rates are around 34% less than Allstate.

Allstate vs. Western Reserve Group Discounts

No matter 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 you can, and the best way to do that is by utilizing as many insurance discounts as possible.

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.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Allstate and Western Reserve Group so that you can find the one that has the most discounts and, therefore, the largest savings.

Allstate knocks Western Reserve Group out of the park when it comes to the sheer number of discounts available, offering 29 more discounts than Western Reserve Group.

Both carriers offer lots of the same discounts -- like agency transfer discounts, discounts for being a defensive driver, distant student discounts, and discounts for insuring multiple cars with the same company -- but Allstate also offers discounts for ABS, alert driving, annual mileage, and more.

On the other hand, Western Reserve Group has a proprietary discount of their own -- a company car discounts.

Final Thoughts: Is Allstate or Western Reserve Group Best for You?

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

Western Reserve Group might be best for you if....

• You've received a ticket for speeding recently and don't want to see your prices climb.
• You live in an suburban area.
• You're of retirement age and want to take advantage of lower premiums.

Allstate might be best for you if...

• You value the experience that comes with a large national insurance carrier.
• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Allstate and Western Reserve Group and that it aids in making a more informed 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 carriers, not just Allstate and Western Reserve Group. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Allstate vs. Western Reserve Group FAQs

Is Allstate or Western Reserve Group cheaper?

Western Reserve Group is the less expensive of the two carriers when looking at national average prices, with policies averaging $137 a month with Western Reserve Group and $199 for Allstate. Even so, that doesn't mean Western Reserve Group will be the most affordable carrier for everyone, since there are many different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Allstate or Western Reserve Group?

Sadly, the answer truly is "it depends.". No single company is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Allstate and Western Reserve Group offer me different rates?

Auto insurance companies use a lot of different factors when determining the rates they charge. Variables like age, gender, where you park your vehicle, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Allstate and Western Reserve Group calculate prices using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Allstate or Western Reserve Group is right for me?

The only way to find the insurance company 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 ZIP code and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the lowest premium. And maybe you'll find that the best carrier for you isn't Allstate or Western Reserve Group 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.