American Select vs. General Casualty: Which Company is the Best Fit for You?

If you're in the market for a new auto insurance policy, you might be wondering how General Casualty and American Select compare when it comes to the cheapest premiums and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for insurance, General Casualty offers more affordable rates than American Select
  • American Select may help you save more money -- they offer more discounts than General Casualty
  • General Casualty offers more affordable prices for drivers with a DUI


American Select or General Casualty: 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 hefty savings. But exactly how much can you save by switching?

You might have narrowed it down to American Select or General Casualty, but between the two, which carrier will offer you cheaper rates?

American Select General Casualty
$170$139

Looking at nationwide averages, American Select is around $31 more a month than General Casualty.

But that doesn't mean General Casualty will necessarily be less expensive than American Select for every driver. Auto insurance carriers use tons of complex algorithms to determine premiums, so depending on how good your credit score is or how clean your driving record is (among a variety of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average rates from both American Select and General Casualty by a range of different rate factors, so read on to find out which carrier is the best for you.

American Select vs. General Casualty: Average Car Insurance Rates by State

State American Select General Casualty
IN$122$118
OH$122$105

American Select and General Casualty only compete against each other in two states, with General Casualty offering cheaper prices to the average driver in all of them. Ohio has the most noticable difference, where General Casualty premiums are $17 more affordable than car insurance prices at American Select.

There are plenty of other factors that go into your insurance cost than just your home state. Keep reading to find out more.


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Which is the Best Company For Young Drivers?

American Select General Casualty
18-year-old drivers$311$266
25-year-old drivers$165$114

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

That being said, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of 15% less per month by choosing General Casualty over American Select.

However, with both companies, you'll see your rates reduce significantly once you turn 25. For example, average premiums for American Select policyholders drop over 45% and General Casualty's rates decrease more than 55% over that time.

Which is the Best Company for Retired Drivers?

American Select General Casualty
65+-year-old drivers$136$124

Drivers around retirement age usually enjoy some of the lowest insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise prices.

So, which company offers the best premiums to retired drivers? General Casualty gets the slight edge, with rates for drivers 65 and older $12 less expensive than the national average for American Select.

Which is the Best Company for Married Drivers?

American Select General Casualty
Single$191$161
Married$143$110

Did you know that car insurance prices are usually more expensive for single drivers than they are for married drivers? This usually boils down to married couples having more than one vehicle on their policy -- something many auto insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with General Casualty rates coming in at about 15% less than American Select's. The advantage is also clear for married policyholders - General Casualty offers the most affordable average prices.

American Select or General Casualty: Average Rates by Gender

American Select General Casualty
Male$171$146
Female$170$132

Because women are less likely to get into collisions and get speeding tickets, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men.

Women typically pay around 1% a month less than men with American Select, and almost 10% less with General Casualty when compared to their male counterparts.

When it comes to the lowest rates for each gender, General Casualty comes out on top for both men and women, with average premiums 15% less for men and 22% cheaper for women.


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American Select vs. General Casualty: Compare State Minimum vs. Full Coverage Rates

American Select General Casualty
State Minimum*$90$82
Full Coverage**$251$195

*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.

It's no secret that insurance can be a complicated subject for most people. There are many 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 (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which generally refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability limits, General Casualty has the slight edge, with average monthly prices coming in at $82. If you want a full coverage policy with the same state minimum limits, General Casualty again has the edge, with policies averaging about $195 per month to American Select's $251.

Is American Select or General Casualty Better for Drivers with Spotty Records?

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

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 most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

American Select General Casualty
Clean Record$117$90
1 Speeding Ticket$149$133

Policyholders who use American Select for their insurance can normally expect their monthly bill to go up around 21% after getting a speeding ticket. General Casualty policyholders can expect a bit more drastic of an increase of about 32%.

Even so, General Casualty is usually the cheaper option for drivers both with a ticket and with a clean record -- their rates are around 23% less expensive for drivers with clean records and 11% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

American Select General Casualty
Clean Record$117$90
1 At-Fault Accident$158$146

After an accident, drivers who have their car insurance through American Select can expect to see around an $41 -- or about 26% -- rise in their auto insurance prices. Drivers who use General Casualty for their car insurance will see a monthly bill around $56 (or 38%) more expensive after reporting a collision to their insurance carrier.

At the end of the day, the less expensive rates come from General Casualty, with average premiums coming in at $146 compared to American Select Insurance Company's $158.

Which Company is Best for Drivers with a DUI?

American Select General Casualty
Clean Record$117$90
1 DUI$258$186

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, American Select increases average rates by nearly $150 a month -- that's nearly a 55% increase.

But if you end up with a DUI charge and are looking for more affordable prices, General Casualty tends to be cheaper for the average driver, with monthly premiums coming in at about $186 to American Select's $258.


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How does Credit Score Impact American Select and General Casualty Rates?

Did you know many car insurance companies take into account your credit score when determining premiums? This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for lots of drivers.

Insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, policyholders with good credit will often be rewarded with more affordable rates.

So, which company offers the best prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

American Select General Casualty
Excellent Credit Score$107$103
Good Credit Score$133$118

Which Company is Best for Drivers with Bad Credit?

American Select General Casualty
Fair Credit Score$169$139
Poor Credit Score$273$195

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Is American Select or General Casualty Better for Drivers who Work from Home or Have Short Commutes?

American Select General Casualty
6,000 Annual Miles$170$139
12,000 Annual Miles$170$139

The amount of time you spend behind the wheel of your car plays a big role in your monthly rates. Generally, the more milage you drive, the more you can expect to pay for coverage.

In this case, neither American Select or General Casualty report increasing premiums for drivers with higher annual mileage figures. General Casualty comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average prices of $139 per month for both.

American Select or General Casualty: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can have a considerable impact on your monthly car insurance bill. Typically, if you live in a rural area with fewer cars on the road, you'll pay a little less for auto insurance, while the opposite is true for people in urban areas.

American Select General Casualty
Urban Areas$205$151
Suburban Areas$150$134
Rural Areas$156$131

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

For drivers in urban ZIP codes, General Casualty's average rates are around $151 while American Select offers prices about $205. People in suburban areas pay a monthly premium of around $134 with General Casualty compared to $150 with American Select. If you live in a rural area, you can expect to pay about $131 per month with General Casualty compared to American Select's $156.

American Select vs. General Casualty 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 utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult 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 American Select and General Casualty offer their customers so that you can find the company that has the most discounts and, therefore, the largest savings.

American Select General Casualty
ABS Discount 
Account Relationship Discount 
Advance Quote Discount
Agency Transfer Discount 
Anti-Theft Discount
Companion Auto Discount 
Company Car Discount 
Defensive Driver Discount
Distant Student Discount
Driver Training Discount 
Employee Discount 
Family Discount 
Good Driving Discount 
Good Student Discount
Group Discount 
Multi-Policy Discount
New Vehicle Discount 
Next Generation Discount 
Occupation Discount 
Paid In Full Discount

American Select knocks General Casualty out of the park when it comes to the sheer number of discounts available, offering 20 different discounts to General Casualty's 12.

There are a couple discounts both carriers offer, but American Select also offers discounts for ABS, account relationship, agency transfer, and more.

On the other hand, General Casualty has a few proprietary discounts of their own for things like employee discounts, good driving discounts, new vehicle discounts, and more.


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Final Thoughts: Is American Select or General Casualty Best for You?

So, we've broken down the average premiums for many of the variables insurance companies look at, and walked through the different discounts each company offers, too. But, at the end of the day, which carrier is the best one for you and your specific profile and needs?

General Casualty might be best for you if....

  • You have received a ticket within the last few years.
  • You're looking for the best prices on liability only coverage.
  • You're of retirement age and want to take advantage of lower rates.


American Select might be best for you if...

  • You care about discounts (American Select offers the most).

Hopefully, this guide helps you get a better idea of the difference between American Select and General Casualty. 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 insurance -- comparing quotes from a handful of carriers, not just American Select and General Casualty. 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 car insurance companies in your area, all in just a few minutes.


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American Select vs. General Casualty FAQs

Is American Select or General Casualty cheaper?

General Casualty is the cheaper of the two carriers when looking at national average premiums, with policies averaging $139 a month with General Casualty and $170 for American Select. But that doesn't mean General Casualty will be the cheapest company for everyone, since there are multiple different factors that are considered when it comes to your auto insurance payment.

Who is better, American Select or General Casualty?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for every policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do American Select and General Casualty offer me different rates?

Auto insurance companies use quite a few different variables when calculating the rates they charge. Things such as gender, age, your driving record, where you live, and sometimes even things like your credit score can all come into play. Both American Select and General Casualty use different formulas, so it's likely they'll offer different premiums. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if American Select or General Casualty is right for me?

The only way to find the 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, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't American Select or General Casualty 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.

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