Farmers Union vs. General Casualty: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, General Casualty offers significantly cheaper prices than Farmers Union
• General Casualty has less expensive premiums for drivers who have an at-fault accident on their record
• General Casualty tends to be a much cheaper option for couples purchasing insurance together

Farmers Union vs. General Casualty: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Farmers Union or General Casualty as potential options, but which company will offer you less expensive prices?

Looking at the national average rates for both companies, General Casualty is quite a bit cheaper than Farmers Union, with rates averaging $139 per month compared to $189 with Farmers Union.

But that doesn't necessarily mean General Casualty will be the more affordable option for every single driver. Car insurance carriers use tons of complex algorithms to calculate premiums, so depending on how old you are or how good your credit score is (among numerous other factors), you could see wildly different rates from the ones above.

So, if you want to find out which of Farmers Union or General Casualty is really the best for you, keep reading to see average premiums for each company broken down by multiple different rate factors.

Farmers Union or General Casualty: Average Car Insurance Rates by State

Farmers Union 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. Utah has the most noticable difference, where General Casualty premiums are over 30% less expensive than auto insurance rates at Farmers Union.

That being said, there are plenty of other factors that go into your insurance cost than just your home state. Continue reading to see 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 prices of any group on the road. Usually, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, 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 General Casualty for their car insurance pay more than $100 less than those who use Farmers Union.

That being said, both companies will offer you dramatically lower rates by the time you turn 25. General Casualty offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. Farmers Union's average premiums drop nearly 55% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the cheapest auto insurance prices 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.

When looking at Farmers Union and General Casualty specifically, which carrier is best for retired drivers? General Casualty gets the edge, with prices for drivers 65 and older over 15% more affordable than the national average for Farmers Union.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are normally cheaper for married policyholders than they are for single drivers? This usually boils down to married couples having several cars on their policy -- something lots of car insurance carriers will reward with discounts.

When it comes to relationship status, General Casualty is the clear winner for those who are single, with premiums about $55 a month less expensive than Farmers Union, on average. The advantage for married drivers with General Casualty is also obvious, where drivers save almost 30% per month.

Farmers Union vs. General Casualty: Average Rates by Gender

Because men are more likely to get into collisions and get tickets, they raise the chances of filing a claim with insurance. Therefore, men tend to pay more for insurance than women.

On average, women see rates more than $10 a month more affordable with Farmers Union, and nearly $15 with General Casualty.

Looking at overall affordability, General Casualty comes out on top for both men and women, with average prices $49 less for men and $52 cheaper for women.

Farmers Union or General Casualty: 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 a complicated subject for most people. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

However, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum liability limits, General Casualty generally offers less expensive rates of $82 compared to Farmers Union's $107. When it comes to full coverage policies with similar limits, General Casualty again has the edge, with policies around $75 per month more affordable than Farmers Union, on average.

Is Farmers Union or General Casualty Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great prices 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 accidents and tickets on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Farmers Union policyholders can expect their rates to go up an average of $50 a month if they get a ticket, while General Casualty typically raises prices about $43 per month, on average.

That being said, General Casualty tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering premiums that are $48 and $55 cheaper, respectively, compared to Farmers Union Insurance.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault collision with Farmers Union raising by just under $70. General Casualty has a less extreme increase, but you can still expect to pay over $55 more than you were prior to your first accident.

Overall, drivers who use General Casualty end up with the cheaper prices after an accident, with monthly prices averaging $146 compared to Farmers Union Insurance's $207.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- usually a lot more than a collision or ticket. For example, General Casualty increases average premiums by more than $95 a month -- that's over a 50% increase.

If you have a DUI on your record and are looking for more affordable prices, General Casualty tends to be the much less expensive option with average premiums of $186 per month compared to $225 from Farmers Union.

How does Credit Score Impact Farmers Union and General Casualty Rates?

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

The reasoning car insurance carriers use is that policyholders 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 cheaper rates.

Looking at Farmers Union and General Casualty specifically, which carrier has the cheapest prices 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 Farmers Union or General Casualty 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 payment. That's because the more miles you drive, the more likely you are to get into an accident and cause an insurance claim.

In this case, neither Farmers Union or General Casualty report increasing rates for drivers with higher annual mileage figures. That being said, General Casualty comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car annually, with average premiums of $139 per month for both.

Farmers Union vs. General Casualty: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a substantial impact on your monthly auto insurance bill. Normally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more vehicles on the roads in those areas.

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

Policyholders in rural ZIP codes see the lowest rates from both carriers, but General Casualty comes out on top with average prices around $131 monthly. General Casualty also has more affordable average premiums for drivers in urban and suburban ZIP codes -- a 33% and 22% a month respective difference when compared to Farmers Union policyholders in similar areas.

Farmers Union vs. General Casualty 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. That's where auto insurance discounts comes into play.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the table below, we've compared all of the different discounts offered by Farmers Union and General Casualty so that you can find the company that has the most discounts and, therefore, the biggest savings.

Overall, General Casualty has a slight advantage when it comes to total number of discounts. Farmers Union offers a grand total of 11 discounts, while General Casualty has 12.

A couple of those are overlapping for things like discounts for being a defensive driver, distant student discounts, and discounts for being a good student. General Casualty also offers advance quote discounts, anti-theft discounts, employee discounts, and more that Farmers Union does not.

On the flip side, Farmers Union has a couple unique discounts of its own -- farm discounts, group discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Farmers Union or General Casualty Best for You?

So, you've seen how different variables can affect your car insurance prices. We've broken down the different discounts each carrier offers, too. But, at the end of the day, which company is the right one for you and your specific driver profile?

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

• You haven't received any speeding tickets or been in a collision in the last few years.
• You and your spouse are buying insurance together.

Farmers Union might be best for you if...

• You have a more unique driver profile than those we mentioned above.

We hope this guide has ben a valuable resource as you compare Farmers Union and General Casualty and that it aids in making a more informed decision about your car 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 auto insurance -- comparing quotes from multiple companies, not just Farmers Union and General Casualty. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Farmers Union vs. General Casualty FAQs

Is Farmers Union or General Casualty cheaper?

Looking just at the national average rates, General Casualty is the cheaper of the two companies, offering average rates of $139 per month compared to $189 for Farmers Union. However, General Casualty won't necessarily be the cheapest carrier for each driver, since there are many different factors that come into play when it comes to your insurance cost.

Who is better, Farmers Union or General Casualty?

Unfortunately, the answer truly is "it depends.". Neither company is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Farmers Union and General Casualty offer me different rates?

Insurance carriers take a look at many different variables when calculating the premiums they charge drivers. Things such as age, gender, where your home is, your driving record, and sometimes even things like your credit score can all come into play. Both Farmers Union and General Casualty calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

How do I know if Farmers Union or General Casualty is right for me?

The only way to find the car insurance company 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 make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the cheapest rate. And who knows, the best carrier for you might not be Farmers Union or General Casualty 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.