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

Quick Facts

• In general, State Farm offers slightly more affordable premiums than First American Property & Casualty
• First American Property & Casualty has less expensive prices for policyholders whose driving record contains an at-fault collision
• State Farm offers more affordable rates for policyholders who are looking to purchase insurance with a spouse

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

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

You might have narrowed it down to First American Property & Casualty or State Farm for your next policy, but between the two, which one will save you the most?

Looking at nationwide averages, First American Property & Casualty is around $9 more a month than State Farm.

Even so, that doesn't necessarily mean State Farm will be the cheaper option for every driver. Insurance carriers vary their prices depending on things like how clean your driving record is, where you live, how old you are, how good your credit score is, and all sorts of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

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

First American Property & Casualty and State Farm only compete against each other in California, where First American Property & Casualty offers the cheaper average prices. Undefined drivers tend to pay about undefined per month less on average compared to drivers who use undefined for their auto insurance.

That being said, there's a lot more that goes into your car insurance bill than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for insurance compared to older drivers. That's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. As you can see above, teens who use State Farm save 2% a month compared to those who use First American Property & Casualty.

That being said, both companies will reduce prices once you turn 25. For example, average premiums for First American Property & Casualty policyholders lower about $200 and State Farm's rates drop over $200 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you'll ever see.

But who has the best premiums for retired drivers between First American Property & Casualty and State Farm? State Farm gets the slight edge here, with average rates coming in at around $111 per month compared to First American Property & Casualty's $121.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance premiums tend to be less expensive for married couples than they are for those who are single. This usually boils down to married policyholders having more than one vehicle on their policy -- something a lot of auto insurance carriers will reward with discounts.

If you're in the market for car insurance, State Farm tends to have the most affordable average prices regardless of if you're married or single, with prices about 5% cheaper for single policyholders and around 5% more affordable for married drivers.