Esurance vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, United Financial Casualty Company offers significantly more affordable premiums than Esurance
• Esurance may help you save more money -- they offer more discounts than United Financial Casualty Company
• United Financial Casualty Company has cheaper rates in CA and ME

Esurance or United Financial Casualty Company: 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 large savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Esurance or United Financial Casualty Company as your top options, but between the two, which one will save you the most?

Looking at nationwide averages, Esurance is quite a bit more expensive than United Financial Casualty Company, with premiums averaging $299 a month compared to just $133 with United Financial Casualty Company.

That being said, that doesn't mean United Financial Casualty Company will necessarily be less expensive than Esurance for each driver. Auto insurance carriers vary their prices depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and a variety of other factors, so rates could differ drastically from person to person.

Wanting to know if Esurance or United Financial Casualty Company is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Esurance vs. United Financial Casualty Company: Average Car Insurance Rates by State

Esurance and United Financial Casualty Company only compete against each other in one states, with United Financial Casualty Company offering more affordable rates to the average driver in all of them. California has the most noticable difference, where United Financial Casualty Company prices are $22 cheaper than insurance rates at Esurance.

That being said, there's a lot more that goes into your auto insurance payment than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any group on the road. It's usually because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of almost 55% less per month by choosing United Financial Casualty Company over Esurance. It's worth noting that Esurance offers insurance in 11 different states compared to United Financial Casualty Company's two, which can skew the average premiums a bit, but the difference here is still considerable.

However, with both companies, you'll see your prices drop significantly once you turn 25. For example, average rates for Esurance policyholders lower over 65% and United Financial Casualty Company's premiums decrease more than 65% over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Esurance and United Financial Casualty Company? United Financial Casualty Company gets the edge here, with average prices coming in at around $95 per month compared to Esurance's $232.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance premiums tend to be 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 car insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with United Financial Casualty Company prices coming in at about half of Esurance's. The advantage for married policyholders with United Financial Casualty Company is also obvious, where drivers save around $100 a month.

Esurance or United Financial Casualty Company: Average Rates by Gender

You may not know, but men generally pay more for insurance than women do. That's because men are more likely to get into accidents and get tickets, which raises the chances of filing a claim with insurance.

On average, men see premiums over $20 per month higher with Esurance, but with United Financial Casualty Company, the difference is closer to $2 a month.

Looking at the data for each company specifically, United Financial Casualty Company comes out as the most affordable option for both genders, with average rates 57% less for men and 54% cheaper for women.

Esurance vs. United Financial Casualty Company: 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 car insurance can be pretty complicated. 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.

But most policies end up falling into two different types of coverage -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause an accident) and full coverage (which normally refers to having collision and comprehensive coverages alongside liability coverage).

Looking specifically at state minimum liability limits, United Financial Casualty Company has the significant edge, with average monthly prices coming in at $79. If you want a full coverage policy with the same state minimum limits, United Financial Casualty Company again has the edge, with policies averaging about $187 per month to Esurance's $396.

Is Esurance or United Financial Casualty Company 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 accidents and speeding tickets on your record, but which of these two carriers offers the cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Esurance for their insurance can typically expect their monthly bill to go up around 16% after getting a speeding ticket. United Financial Casualty Company policyholders can expect a bit more drastic of an increase of about 25%.

Even so, United Financial Casualty Company is usually the less expensive option for drivers both with a ticket and with a clean record, offering prices that are $139 and $150 cheaper, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Esurance drivers who get in a collision can expect to see their premiums climb by just under 35%, while those who have insurance through United Financial Casualty Company will see around a 35% increase.

At the end of the day, United Financial Casualty Company offers the lowest prices for drivers with an at-fault collision on their records, with average premiums coming in at $158 compared to Esurance's $364.

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 speeding ticket when it comes to your car insurance bill. On average, Esurance will increase your rates about 20% after a DUI, while United Financial Casualty Company's average premiums rise by nearly 25%.

United Financial Casualty Company has the overall most affordable prices for drivers with a DUI on their records at $134 a month, but it's worth noting that Esurance's average rates come from 11 states compared to just two for United Financial Casualty Company, so the data may be skewed slightly.

How does Credit Score Impact Esurance and United Financial Casualty Company Rates?

Did you know many auto insurance companies take into account your credit score when determining rates? This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as an auto insurance factor) but it might come into play for several policyholders.

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 carrier offers the best premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, United Financial Casualty Company will typically reward you the most. For drivers with "excellent" credit scores, United Financial Casualty Company comes in more than 51.4 less expensive. Drivers with "good" credit scores normally save around 55% with United Financial Casualty Company compared to average rates from Esurance.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower prices than Esurance when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about 53% a month less with United Financial Casualty Company compared to Esurance, and those with "poor" scores generally save an average of around 59% monthly.

Is Esurance or United Financial Casualty Company 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 car insurance companies will charge for coverage. Usually, those who drive less will end up with more affordable rates since there's less of a chance of causing an accident and filing an insurance claim.

For both remote workers and those taking short commutes, United Financial Casualty Company tends to be the less expensive option. United Financial Casualty Company's average premiums for drivers with 6,000 annual miles come in about 56% more affordable than Esurance. Those who drive 12,000 miles every year can expect to pay around 55% less with United Financial Casualty Company over Esurance.

Esurance or United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a pretty big impact on your monthly auto insurance bill. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the road where they live, which decreases the chances of an accident.

United Financial Casualty Company boasts the cheapest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save about $86 with United Financial Casualty Company compared to Esurance. People who live in suburban areas pay around $154 less with United Financial Casualty Company compared to Esurance. For drivers in urban ZIP codes, United Financial Casualty Company's average rates are about $257 less than Esurance.

Esurance vs. United Financial Casualty Company Discounts

You want to save as much money as you can, right? 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 challenging to find all the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Esurance and United Financial Casualty Company offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Esurance blows United Financial Casualty Company away when it comes to the sheer amount of discounts available, offering 24 different discounts to United Financial Casualty Company's 18.

There are a couple discounts both carriers offer, but Esurance also offers discounts for ABS, advance quote, agency transfer, and more.

On the other hand, United Financial Casualty Company has a few proprietary discounts of their own for things like continuous insurance discounts, distant student discounts, e-signature discounts, and more.

Final Thoughts: Is Esurance or United Financial Casualty Company Best for You?

So, you've seen how different variables can affect your auto insurance premiums. 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 Esurance or United Financial Casualty Company the right company for you and your specific driver profile?

United Financial Casualty Company might be best for you if....

• You have received a ticket within the last few years.
• Your neighborhood is in a city.
• You and your spouse are buying car insurance together.

Esurance might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Esurance and United Financial Casualty Company and that you can now make a more informed decision when it comes to your auto 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 multiple companies, not just Esurance and United Financial Casualty Company. 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.

Esurance vs. United Financial Casualty Company FAQs

Is Esurance or United Financial Casualty Company cheaper?

United Financial Casualty Company is the cheaper of the two companies when looking at national average prices, with policies averaging $133 per month with United Financial Casualty Company and $299 for Esurance. That being said, that doesn't mean United Financial Casualty Company will be the lowest company for everyone, since there are multiple different factors that are considered when it comes to your car insurance cost.

Who is better, Esurance or United Financial Casualty Company?

Unfortunately, the answer truly is "it depends.". Neither carrier is "better" for each policyholder -- it all boils down to your unique insurance profile.

Why do Esurance and United Financial Casualty Company offer me different rates?

Auto insurance carriers use a lot of different variables when calculating the rates they charge. Things such as gender, age, your driving record, where you park your vehicle, and sometimes even things like your credit score can all be taken into consideration. Both Esurance and United Financial Casualty Company calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Esurance or United Financial Casualty Company is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several 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 auto insurance companies for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Esurance or United Financial Casualty Company 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.