First American Property & Casualty vs. Pure: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, First American Property & Casualty offers significantly less expensive rates than Pure
• First American Property & Casualty offers more affordable prices for policyholders whose driving record contains an at-fault collision
• First American Property & Casualty offers more affordable average premiums for policyholders who live in urban areas

First American Property & Casualty or Pure: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed it down to First American Property & Casualty or Pure for your next policy, but which company will offer you cheaper prices?

Looking at the national average rates for both carriers, Pure has average rates that are around 50% a month more expensive than those from First American Property & Casualty.

That being said, that doesn't necessarily mean First American Property & Casualty will be the less expensive option for each driver. Car insurance companies vary their rates depending on things like how good your credit score is, how clean your driving record is, where you live, how old you are, and a ton of other factors, so premiums could vary drastically from person to person.

So, if you want to find out which of First American Property & Casualty or Pure is really the best for you, keep reading to see average prices for each company broken down by lots of different rate factors.

First American Property & Casualty vs. Pure: Average Car Insurance Rates by State

Both First American Property & Casualty and Pure only offer insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. First American Property & Casualty drivers tend to pay about $164 per month less on average compared to drivers who use Pure for their auto insurance.

Typically, your home state will play a huge role in how much you pay for insurance, but since both companies only do business in California, several other variables will come into play when you compare First American Property & Casualty and Pure. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for auto insurance than any group on the road. The reason is that teen drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have First American Property & Casualty for their car insurance pay over 50% less than those who use Pure.

Even so, with both carriers, you'll see your premiums decrease significantly by the time you turn 25. Pure offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, First American Property & Casualty still has the most affordable rates at $155 a month.

Which is the Best Company for Retired Drivers?

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

When looking at First American Property & Casualty and Pure specifically, which carrier is best for retired drivers? First American Property & Casualty gets the edge, with prices for drivers 65 and older almost 50% more affordable than the national average for Pure.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper auto insurance premiums than those who are single. That's because policies for married couples normally cover multiple vehicles, which a lot of companies will give you a discount for.

For single drivers, the difference in average prices between these two carriers is significant, with First American Property & Casualty premiums coming in at about half of Pure's. The advantage for married drivers with First American Property & Casualty is also obvious, where drivers save nearly 50% a month.

First American Property & Casualty or Pure: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll typically end up paying more for car insurance than women.

Men and women get the same monthly rates with First American Property & Casualty; men and women get the same monthly prices with Pure.

When it comes to the cheapest premiums for each gender, First American Property & Casualty comes out on top for both men and women, with average rates $164 less for men and $164 cheaper for women.

First American Property & Casualty vs. Pure: 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. There are so many different coverages and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to liability).

Looking specifically at state minimum liability insurance, First American Property & Casualty has the significant edge, with average monthly premiums coming in at $70. If you want a full coverage policy with the same state minimum limits, First American Property & Casualty again has the edge, with policies averaging around $263 per month to Pure's $528.

Is First American Property & Casualty or Pure Better for Drivers with Spotty Records?

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

It's no secret secret that accidents and speeding tickets lead to higher prices, but which company -- First American Property & Casualty or Pure -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use First American Property & Casualty for their car insurance can normally expect their monthly bill to go up about 18% after getting a speeding ticket. Pure policyholders can expect a bit more drastic of an increase of around 28%.

But First American Property & Casualty has more affordable premiums for drivers in both categories, offering rates that are 41% and 49% less expensive, respectively, compared to PURE Insurance.

Which Company is Best for Drivers After an Accident?

First American Property & Casualty drivers who get in a collision can expect to see their prices climb by just under 20%, while those who have insurance through Pure will see about a 45% increase.

At the end of the day, the cheaper rates come from First American Property & Casualty, with average premiums coming in at $145 compared to PURE Insurance's $352.

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 -- generally a lot more than an accident or ticket. For example, Pure increases average prices by nearly $300 a month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, First American Property & Casualty tends to be more affordable for the average driver, with monthly premiums coming in at around $256 to Pure's $489.

How does Credit Score Impact First American Property & Casualty and Pure Rates?

In many cases, your credit score can be used as one of the factors to determine your monthly car insurance rates. This isn't true for everyone (for example, California and Massachusetts are two states that ban the practice entirely), but it does affect many policyholders out there.

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, drivers with bad credit will often be forced to pay more.

So, which carrier offers the best prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is First American Property & Casualty or Pure Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a sizable impact on how much car insurance carriers will charge for coverage. That's because the more milage you put on your car, the more likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, First American Property & Casualty tends to be the cheaper option. First American Property & Casualty's average premiums for drivers with 6,000 annual miles come in about 49% less expensive than Pure. Those who drive 12,000 miles annually can expect to pay around 50% less with First American Property & Casualty over Pure.

First American Property & Casualty or Pure: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a considerable role in how much you pay for auto insurance. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for insurance, while the opposite is true for people in urban areas.

First American Property & Casualty boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, First American Property & Casualty's average rates are about $172 while Pure offers premiums around $371. People in suburban areas pay about $188 with First American Property & Casualty compared to Pure's $313 monthly. Those in rural areas can expect to pay around $140 per month with First American Property & Casualty and $308 with Pure.

First American Property & Casualty vs. Pure Discounts

No matter why you might be in the market for a new auto 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 taking advantage of as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts First American Property & Casualty and Pure offer their customers so that you can see which one can save you the most money each month.

Discounts for being a good driver, discounts for being a good student, and multi-policy discounts are offered by both companies.

Final Thoughts: Is First American Property & Casualty or Pure Best for You?

So, you've seen how different variables can affect your insurance prices. We've shown you all the discounts each carrier offers, too. But, when it comes down to it, which insurance company is the right carrier for you, your vehicle, and your wallet?

First American Property & Casualty might be best for you if....

• You have received a ticket within the last few years.
• Your neighborhood is in the suburbs.
• You don't spend much time in your car.

Pure might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between First American Property & Casualty and Pure and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the best way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just First American Property & Casualty and Pure. Luckily, Compare.com does all the hard work for you. 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.

First American Property & Casualty vs. Pure FAQs

Is First American Property & Casualty or Pure cheaper?

First American Property & Casualty is the cheaper of the two carriers when looking at national average rates, with policies averaging $167 per month with First American Property & Casualty and $331 for Pure. However, that doesn't mean First American Property & Casualty will be the cheapest carrier for every driver, since there are a range of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, First American Property & Casualty or Pure?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for each policyholder -- it all boils down to your unique auto insurance profile.

Why do First American Property & Casualty and Pure offer me different rates?

Insurance companies use quite a few different variables when determining the premiums they charge. Things such as gender, where you park your vehicle, age, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both First American Property & Casualty and Pure calculate rates using different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if First American Property & Casualty or Pure is right for me?

The only way to find the car insurance company 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, sites like Compare.com make it easy for you to do just that. Just enter your area information 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 most affordable premium. And maybe you'll find that the best carrier for you isn't First American Property & Casualty or Pure 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.