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

Quick Facts

• Based on national averages for car insurance, American Select offers slightly less expensive premiums than Omni
• American Select has more affordable rates for people who are single and purchasing auto insurance by yourself
• Omni offers cheaper average premiums for policyholders who live in suburban areas

American Select vs. Omni: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to American Select or Omni as your top options, but which carrier has more affordable prices for car insurance?

Looking at nationwide averages, American Select is about $11 per month less expensive than Omni.

However, American Select may not be the lowest or best option for each driver out there. Insurance companies use tons of complex algorithms to calculate rates, so depending on how clean your driving record is or where you live (among a whole range of other factors), you could see wildly different premiums from the ones above.

Wanting to know if American Select or Omni is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

American Select or Omni: Average Car Insurance Rates by State

American Select and Omni only compete against each other in one states, with Omni offering cheaper prices to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni rates are more affordable than car insurance prices at American Select.

That being said, there are plenty of other factors that go into your insurance cost than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. That's generally 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.

That being said, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have American Select for their auto insurance pay more than $150 less than those who use Omni.

But both carriers will offer you dramatically lower premiums once you turn 25. Omni offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. American Select's average prices decrease over 45% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the cheapest car insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which usually decreases their chances of accidents and other infractions that can increase rates.

But who has the best premiums for retired drivers between American Select and Omni? Omni gets the slight edge here, with average rates coming in at around $132 per month compared to American Select's $136. Even so, the difference is only about 5%, so other factors (such as your driving record is or your credit score) will likely come into play when determining which carrier has the lowest prices for you.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are normally cheaper for married drivers than they are for those who are single? That's because policies for married policyholders generally cover several cars, which a lot of companies will offer you a discount for.

When it comes to relationship status, American Select is the clear winner for single drivers, with prices around $32 a month less expensive than Omni, on average. The advantage for married couples with Omni is also obvious, where drivers save more than 10% per month.

American Select vs. Omni: Average Rates by Gender

You may not know, but insurance is usually more expensive for men than for women. This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim.

On average, men see premiums about 1% a month higher with American Select, while with Omni, the difference is closer to 8% per month.

When it comes to the cheapest prices for each gender, American Select comes out as the most affordable option for both genders. On average, male drivers save about $18 a month and women save around $4 with American Select compared to the average Omni policyholder.

American Select or Omni: 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.

Car insurance isn't the easiest topic to understand. There are lots of different coverages that account for a range 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 end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum limits for liability insurance, American Select normally offers cheaper premiums of $90 compared to Omni's $104. When it comes to full coverage policies with similar limits, American Select again has the edge, with policies about $7 per month less expensive than Omni, on average.

Is American Select or Omni Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault collisions and tickets lead to higher premiums, but which company -- American Select or Omni -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American Select policyholders can expect their rates to go up an average of $32 a month if they get a ticket, while Omni generally raises premiums around $7 per month, on average.

That being said, American Select tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering rates that are $51 and $26 more affordable, respectively, compared to Omni Insurance.

Which Company is Best for Drivers After an Accident?

American Select drivers who get in an accident can expect to see their prices increase by over $40, while those who have insurance through Omni will see about a $35 increase.

Overall, drivers who use American Select end up with the cheaper prices after an accident, with monthly rates averaging $158 compared to Omni Insurance's $203.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. American Select drivers usually see a 55% increase in their insurance prices after a DUI charge, while Omni will usually climb premiums by around 6%.

If you have a DUI on your record and are looking for more affordable prices, Omni tends to be the much less expensive option with average premiums of $178 monthly compared to $258 from American Select.

How does Credit Score Impact American Select and Omni Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it might come into play for quite a few policyholders.

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 specifically at Omni and American Select, which company has the most affordable premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

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

Did you know that the amount of time you spend in your car have a sizable impact on how much auto insurance companies will charge for coverage? Typically, those who drive fewer miles will end up with more affordable prices since there's less of a chance of getting into a collision and causing an insurance claim.

In this case, neither American Select or Omni report increasing rates for drivers with higher annual mileage figures. Even so, American Select comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle every year, with average premiums of $170 a month for both.

American Select vs. Omni: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a large role in how much you pay for insurance. Normally, 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.

When comparing these two carriers side-by-side, Omni typically comes out as the cheaper option for drivers in rural and suburban areas, while American Select wins in urban areas.

In urban areas, American Select Insurance Company's average rates are about $62 less than Omni Insurance. Drivers in suburban ZIP codes pay around $7 less with Omni compared to American Select. If you live in a rural area, you can expect to save about $22 with Omni compared to American Select.

American Select vs. Omni 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, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be challenging 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.

Below, we've taken a look at all of the different discounts American Select and Omni offer their customers so that you can see which one can save you the most money each month.

American Select blows Omni away when it comes to the sheer amount of discounts available, offering 20 different discounts to Omni's 13.

A couple of those are overlapping for things like anti-theft discounts, discounts for being a defensive driver, and passive restraint discounts. American Select also offers ABS discounts, account relationship discounts, companion auto discounts, and more that Omni does not.

On the flip side, Omni has a couple unique discounts of its own -- cellphone safety discounts, discounts for being a homeowner, discounts for insuring multiple cars with the same company, and more.

Final Thoughts: Is American Select or Omni Best for You?

So, we've broken down the average prices for many of the variables insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the right company for you and your specific driver profile?

American Select might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for more protection with "full coverage" car insurance.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

Omni might be best for you if...

• You have a DUI charge on your record.
• Your neighborhood is in a rural area.
• You and your spouse are buying car insurance together.

We hope this guide helps you get a good idea of the differences between American Select and Omni and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several carriers, not just American Select and Omni. 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 insurance companies in your area, all for free.

American Select vs. Omni FAQs

Is American Select or Omni cheaper?

Looking just at the national average rates, American Select is the more affordable of the two carriers, offering average rates of $170 per month compared to $181 for Omni. But American Select won't necessarily be the most affordable company for each policyholder, since there are a variety of different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, American Select or Omni?

Sadly, the answer truly is "it depends.". No one carrier is necessarily "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, American Select offers cheaper prices for policyholders with an at-fault collision on their record, while Omni is less expensive for drivers who have less-than-stellar credit scores.

Why do American Select and Omni offer me different rates?

Insurance companies take a look at many different variables when determining the premiums they charge drivers. Things such as gender, where your home is, your driving record, age, and sometimes even things like your credit score can all be taken into consideration. Both American Select and Omni calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a bunch of different carriers.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the best rate. And who knows, the best company for you might not be American Select or Omni 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.