Allstate vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• In general, Workmen's Auto offers significantly more affordable premiums than Allstate
• Allstate may help you save more money -- they offer more discounts than Workmen's Auto Insurance
• Workmen's Auto offers cheaper average rates for policyholders who drive fewer than 6,000 miles yearly

Allstate or Workmen's Auto: Which Company has the Cheapest Car Insurance?

So, you're considering 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 Workmen's Auto, but between the two, which company has less expensive premiums for auto insurance?

As you can see, Allstate has average rates that are around 24% a month more expensive than those from Workmen's Auto when looking at the national average rates for insurance.

However, that doesn't necessarily mean Workmen's Auto will be the cheaper option for every driver. Auto insurance carriers vary their rates depending on things like how old you are, where you live, how clean your driving record is, how good your credit score is, and all sorts of other factors, so prices will vary quite a bit from person to person.

Wanting to know if Allstate or Workmen's Auto 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 vs. Workmen's Auto: Average Car Insurance Rates by State

Allstate and Workmen's Auto only compete against each other in California, where Workmen's Auto offers the cheaper average premiums. Workmen's Auto drivers tend to pay about $81 per month less on average compared to drivers who use Allstate for their insurance.

But there's more to calculating car insurance prices than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for insurance than any group out there on the road. That's because teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Workmen's Auto for their car insurance pay almost 30% less than those who use Allstate. It's worth noting that Allstate offers auto insurance in 47 different states compared to Workmen's Auto's one, which can skew the average rates a bit, but the difference here is still considerable.

That being said, both companies will reduce prices by the time you turn 25. For example, average rates for Allstate policyholders decrease about $300 and Workmen's Auto's prices lower nearly $200 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 most affordable premiums you can find.

So, which company offers the best rates to retired drivers? Workmen's Auto gets the edge here, with average premiums coming in at around $124 a month compared to Allstate's $152.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually less expensive for married policyholders than they are for single drivers? That's because policies for married couples generally cover more than one vehicle, which several carriers will give you a discount for.

For those who are single, the difference in average rates between these two companies is significant, with Workmen's Auto premiums coming in at a quarter less than Allstate's. The advantage for married drivers with Workmen's Auto is also obvious, where drivers save about $35 a month.

Allstate or Workmen's Auto: Average Rates by Gender

Men tend to pay more for car insurance than women. This is because men are statistically more likely than women to get into accidents and get speeding tickets, which leads to increased risk for insurers and, therefore, higher prices.

With Allstate, women typically pay around 4% per month less than men; and with Workmen's Auto, both genders end up paying the same monthly rate.

When it comes to the lowest rates for each gender, Workmen's Auto comes out on top for both men and women, with average prices $52 less for men and $43 cheaper for women.

Allstate vs. Workmen's Auto: 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 bunch of different coverages that account for a range 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.

Even so, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause an accident) and full coverage (which usually refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Workmen's Auto has the significant edge, with average monthly premiums coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging about $235 a month to Allstate's $289.

Is Allstate or Workmen's Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Speeding tickets and at-fault collisions will most likely raise your rates, but is Allstate or Workmen's Auto more affordable for drivers with less-than-ideal driving 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 around 15% after getting a speeding ticket. Workmen's Auto policyholders can expect a bit more drastic of an increase of about 23%.

But Workmen's Auto tends to offer the best prices for both drivers who have clean records and those with a recent ticket, offering premiums that are 29% and 21% cheaper, respectively, compared to Allstate.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in a collision can expect to see their prices increase by just under $75, while those who have insurance through Workmen's Auto will see around a $45 increase.

At the end of the day, the more affordable premiums come from Workmen's Auto, with average prices coming in at $156 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 car insurance bill. Workmen's Auto drivers usually see a 42% increase in their auto insurance rates after a DUI charge, while Allstate will normally raise prices by about 31%.

Workmen's Auto has the overall cheapest rates for drivers with a DUI on their records at $191 per month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Workmen's Auto, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Workmen's Auto Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, are two states that ban the practice entirely), but it might come into play for a lot of policyholders.

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

So, which carrier offers the lowest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have excellent credit, Allstate will normally reward you. With Allstate, improving your score from "good" to "excellent" will typically save you around $25. Because Workmen's Auto, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with Allstate. As you can see, Allstate customers with poor credit scores pay about 25% per month more than those with fair scores (and even more compared to drivers with good or excellent scores). Because Workmen's Auto doesn't have data available for credit scores, they may have better rates for drivers with bad credit over Allstate.

Is Allstate or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on how much auto insurance carriers will charge for coverage. Generally, the more milage you drive, the more you can expect to pay for coverage.

Workmen's Auto tends to be the cheaper option for both remote workers and those taking short commutes. Workmen's Auto's average premiums for drivers with 6,000 annual miles come in around $71 more affordable than Allstate. Those who drive 12,000 miles every year can expect to pay about $25 less with Workmen's Auto over Allstate.

Allstate or Workmen's Auto: 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 car insurance, but the type of area you live in can have a substantial impact as well. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more cars on the road where they live, which increases the chances of an accident.

When comparing these two companies side-by-side, Workmen's Auto generally comes out as the lowest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around $25 with Workmen's Auto compared to Allstate. People who live in suburban areas pay about $45 less with Workmen's Auto compared to Allstate. For drivers in urban ZIP codes, Workmen's Auto Insurance's average prices are around $73 less than Allstate.

Allstate vs. Workmen's Auto 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. That's where car insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Allstate and Workmen's Auto offer their customers so that you can find the one that has the most discounts and, therefore, the largest savings.

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

Both carriers offer quite a few of the same discounts -- like discounts for being a good driver, mature driver discounts, and renewal discounts -- but Allstate also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, Workmen's Auto has a proprietary discount of their own -- a driver-vehicle combination discounts.

Final Thoughts: Is Allstate or Workmen's Auto Best for You?

So, you've seen how different variables can affect your insurance rates. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right company for you and your specific driver profile?

Workmen's Auto might be best for you if....

• You like the personalized touch of a small, local carrier.
• You want to save money on your auto insurance after an accident.
• You live in a rural neighborhood.

Allstate might be best for you if...

• You have less-than-stellar credit.
• You already have a great credit score.
• 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 Workmen's Auto. 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 sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Allstate and Workmen's Auto. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best insurance carriers in your area, all for free.

Allstate vs. Workmen's Auto FAQs

Is Allstate or Workmen's Auto cheaper?

Workmen's Auto is the less expensive of the two companies when looking at national average premiums, with policies averaging $151 a month with Workmen's Auto and $199 for Allstate. Even so, that doesn't mean Workmen's Auto will be the most affordable carrier for everyone, since there are several different factors that are considered when it comes to your car insurance bill.

Who is better, Allstate or Workmen's Auto?

Sadly, the real answer is "it depends.". One company is not "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Allstate is cheaper for drivers who have less-than-stellar credit scores, while Workmen's Auto offers less expensive prices for policyholders with an at-fault accident on their record.

Why do Allstate and Workmen's Auto offer me different rates?

Insurance carriers use many different variables when determining the premiums they charge. Factors such as where you live, gender, age, where you park your vehicle, and sometimes even things like your credit score can all be used. Both Allstate and Workmen's Auto use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from lots of different companies.

How do I know if Allstate or Workmen's Auto is right for me?

The only way to find the car 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, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't Allstate or Workmen's Auto 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.