Auto-owners vs. Emc: Which Company is the Best Fit for You?

Quick Facts

• In general, Emc offers significantly less expensive premiums than Auto-owners
• Auto-owners offers more discounts than EMC Insurance
• Emc tends to be a much more affordable option for drivers who have an at-fault accident on their record

Auto-owners vs. Emc: Which Company has the Cheapest Car Insurance?

Are you considering 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 might have narrowed it down to Auto-owners or Emc as potential options, but between the two, which company will offer you cheaper prices?

As you can see, Auto-owners is quite a bit more expensive than Emc, with premiums averaging $179 per month compared to just $71 with Emc when looking at the national average rates for car insurance.

However, Emc may not be the cheapest or best option for every driver out there. Auto insurance companies use tons of complex algorithms to calculate prices, so depending on how old you are or where you live (among a bunch of other factors), you could see wildly different rates from the ones above.

So, if you want to find out which of Auto-owners or Emc is really the best for you, keep reading to see average prices for each carrier broken down by a bunch of different rate factors.

Auto-owners or Emc: Average Car Insurance Rates by State

Auto-owners and Emc only compete against each other in Nebraska, where Emc offers the cheaper average rates. For Nebraska residents, Emc offers car insurance for $71 per month on average. Auto-owners's average premiums come out to be over 70% more expensive, at $134 monthly.

That being said, there are plenty of other factors that go into your insurance bill than just where you live. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group on the road. It'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.

Even so, 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 more than $250 less a month by choosing Emc over Auto-owners. It's worth noting that Auto-owners offers insurance in 23 different states compared to Emc's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, both carriers will offer you dramatically lower premiums by the time drivers turn 25. Emc offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Auto-owners's average prices drop nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable auto insurance rates out there. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for car insurance.

So, which company offers the best rates to retired drivers? Emc gets the edge here, with average prices coming in at about $48 a month compared to Auto-owners's $133.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be less expensive for married policyholders than they are for single policyholders. This usually boils down to married drivers having more than one car on their policy -- something lots of auto insurance companies will reward with discounts.

When it comes to relationship status, Emc is the clear winner for single drivers, with rates around $129 per month more affordable than Auto-owners, on average. For married couples, the advantage is clear again - Emc has the edge when it comes to average prices.

Auto-owners vs. Emc: 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 tickets and get into collisions, which leads to increased risk for insurers and, therefore, higher premiums.

On average, women see rates about 6% a month less with Auto-owners, and almost 10% less with Emc when compared to their male counterparts.

Looking at the data for each carrier specifically, Emc offers the lowest average prices for both men and women. On average, male drivers save about $110 per month and women save around $106 with Emc compared to the average Auto-owners policyholder.

Auto-owners or Emc: 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.

It's no secret that auto insurance can be pretty complicated. There are many 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.

But the most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to liability coverage).

If you're looking for state minimum liability limits, Emc typically offers significantly cheaper premiums of $24 compared to Auto-owners's $99. When it comes to full coverage policies with similar limits, Emc again has the edge, with policies about $150 a month more affordable than Auto-owners, on average.

Is Auto-owners or Emc Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from 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.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two companies offers the cheapest premiums to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Auto-owners policyholders can expect their prices to go up an average of $44 per month if they get a ticket, while Emc usually raises premiums around $3 a month, on average.

Even so, Emc has less expensive prices for drivers in both categories. Drivers with a clean record can save about $54 per month and drivers with a speeding ticket can save around $95 a month with EMC Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault collision with Auto-owners increasing by over $45. Emc has a less extreme increase, but you can still expect to pay $7 more than you were prior to your first accident.

Overall, drivers who use Emc end up with the cheaper prices after an accident, with monthly prices averaging $74 compared to Auto-Owners Insurance's $168.

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 ticket or even an accident. For example, Auto-owners increases average rates by just under $150 per month -- that's just under a 55% increase.

Emc has the overall most affordable premiums for drivers with a DUI on their records at $74 per month, but it's worth noting that Auto-owners's average rates come from 23 states compared to just one for Emc, so the data may be skewed slightly.

How does Credit Score Impact Auto-owners and Emc Rates?

Often times, your credit score can come into play when companies determine your monthly bill. Certain states and carriers do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

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

Looking specifically at Emc and Auto-owners, which carrier has the best rates for drivers 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 Emc. Policyholders with "excellent" credit can save over 35% compared to Auto-owners, and those with "good" scores can also expect to see savings -- about $65 or 50% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Emc typically offers lower prices than Auto-owners when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around $106 a month less with Emc compared to Auto-owners, and those with "poor" scores generally save an average of about $225 monthly.

Is Auto-owners or Emc 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 insurance cost. Normally, those who drive less will end up with less expensive premiums since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, Emc offers cheaper prices than Auto-owners. Emc's average rates for drivers with 6,000 annual miles come in nearly 65% less expensive than Auto-owners. Those who drive 12,000 miles every year can expect to pay more than 55% less with Emc over Auto-owners.

Auto-owners vs. Emc: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a sizable role in how much you pay for car insurance. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more vehicles on the road in those areas, which increases the chances of an accident.

When comparing these two carriers side-by-side, Emc typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable rates from both companies, but Emc comes out on top with average prices around $68 a month. Emc also has cheaper average premiums for policyholders in urban and suburban ZIP codes -- a $130 and $97 per month respective difference when compared to Auto-owners drivers in similar areas.

Auto-owners vs. Emc Discounts

Regardless of why you might be in the market for a new 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 with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Below, we've taken a look at all of the different discounts Auto-owners and Emc offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Auto-owners blows Emc away when it comes to the sheer amount of discounts available, offering 11 more discounts than Emc.

Both carriers offer quite a few of the same discounts -- like ABS discounts, anti-theft discounts, discounts for getting driver training, and multi-policy discounts -- but Auto-owners also offers company car discounts, COVID-19 relief discount, defensive driver discounts, and more that Emc does not.

On the flip side, Emc has a couple unique discounts of its own -- EFT discounts, mature driver discounts, telematics discounts, and more.

Final Thoughts: Is Auto-owners or Emc Best for You?

So, you've seen how different variables can affect your auto insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but at the end of the day, is Auto-owners or Emc the best carrier for you, your vehicle, and your wallet?

Emc might be best for you if....

• You live in one of the following states: Nebraska.
• Your credit is less-than-stellar.
• You've started working from home and don't have much of a commute.

Auto-owners might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You're looking for discounts -- Auto-owners has the most.

We hope this guide helps you get a better idea of the difference between Auto-owners and Emc and that you can now make a more informed decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several companies, not just Auto-owners and Emc. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Auto-owners vs. Emc FAQs

Is Auto-owners or Emc cheaper?

Looking just at the national average prices, Emc is the more affordable of the two companies, offering average rates of $71 a month compared to $179 for Auto-owners. However, Emc won't necessarily be the lowest company for everyone, since there are a variety of different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Auto-owners or Emc?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for each driver -- it all comes down to what your unique car insurance profile looks like.

Why do Auto-owners and Emc offer me different rates?

Auto insurance carriers take a look at many different variables when calculating the premiums they charge policyholders. Factors like age, your driving record, gender, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Auto-owners and Emc use different formulas, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

How do I know if Auto-owners or Emc is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple 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 free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be Auto-owners or Emc 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.