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

Quick Facts

• In general, United Financial Casualty Company offers significantly more affordable premiums than First American Property & Casualty
• First American Property & Casualty tends to be a much less expensive option for drivers who have an at-fault accident on their record
• United Financial Casualty Company has cheaper rates for policyholders who may not have much of a commute

First American Property & Casualty vs. United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed it down to First American Property & Casualty or United Financial Casualty Company as potential options, but between the two, which carrier will offer you less expensive premiums?

As you can see, United Financial Casualty Company has average rates that are about 20% per month more affordable than those from First American Property & Casualty when looking at the national average rates for car insurance.

Even so, United Financial Casualty Company may not be the lowest or best option for every driver out there. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your age, your credit score, or even where you call home (among other things), so prices could change drastically from person to person.

Luckily, we've broken down average rates from both First American Property & Casualty and United Financial Casualty Company by a variety of different rate factors, so read on to find out which carrier is the best for you.

First American Property & Casualty or United Financial Casualty Company: Average Car Insurance Rates by State

First American Property & Casualty and United Financial Casualty Company only compete against each other in California, where United Financial Casualty Company offers the cheaper average premiums. For California residents, United Financial Casualty Company offers insurance for $126 a month on average. First American Property & Casualty's average prices come out to be over 30% more expensive, at $167 monthly.

That being said, there are plenty of other factors that go into your car insurance cost than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any other group of drivers out there on the road. The reason is that 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.

But that doesn't mean that teen drivers have to just accept sky-high insurance rates. For example, 18-year-old drivers pay an average of more than $30 less a month by choosing United Financial Casualty Company over First American Property & Casualty.

However, with both carriers, you'll see your prices lower significantly by the time you turn 25. United Financial Casualty Company offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. First American Property & Casualty's average premiums decrease over 55% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable car insurance rates you can find. After all, they've likely been driving for quite some time, which generally lowers their chances of accidents and other infractions that can increase premiums.

So, which company offers the best prices to retired drivers? United Financial Casualty Company gets the edge, with rates for drivers 65 and older $26 cheaper than the national average for First American Property & Casualty.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are usually more expensive for those who are single than they are for married couples? That's normally because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, United Financial Casualty Company is the clear winner for single policyholders, with prices around $32 per month more affordable than First American Property & Casualty, on average. The advantage is also clear for married drivers - United Financial Casualty Company offers the cheapest average rates.

First American Property & Casualty vs. United Financial Casualty Company: Average Rates by Gender

Women tend to pay less for insurance than men. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim.

Women and men get the same monthly premiums with First American Property & Casualty, and about 1% more with United Financial Casualty Company.

Looking at the data for each carrier specifically, United Financial Casualty Company comes out on top for both men and women. On average, male drivers save about $33 a month and women save around $35 with United Financial Casualty Company compared to the average First American Property & Casualty policyholder.

First American Property & Casualty or 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.

Car insurance isn't the easiest topic to understand. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

In this case, First American Property & Casualty offers the lowest average prices for state minimum liability limits, while United Financial Casualty Company has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $10 with First American Property & Casualty, while full coverage comes out to be about $75 less expensive with United Financial Casualty Company.

Is First American Property & Casualty or United Financial Casualty Company Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault collisions and tickets lead to higher premiums, but which company -- First American Property & Casualty or United Financial Casualty Company -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

First American Property & Casualty policyholders can expect their rates to go up an average of $26 per month if they get a ticket, while United Financial Casualty Company generally raises premiums around $34 a month, on average.

That being said, United Financial Casualty Company tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 13% cheaper for drivers with clean records and 6% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

First American Property & Casualty policyholders who get in a collision can expect to see their rates rise by over $25, while those who have insurance through United Financial Casualty Company will see about a $55 increase.

Overall, drivers who use First American Property & Casualty end up with the cheaper prices after an accident, with monthly prices averaging $145 compared to United Financial Casualty Company's $158.

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. On average, First American Property & Casualty will climb your rates around 54% after a DUI, while United Financial Casualty Company's average prices climb by just under 25%.

If you have a DUI on your record and are looking for more affordable premiums, United Financial Casualty Company tends to be the much less expensive option with average rates of $134 per month compared to $256 from First American Property & Casualty.

How does Credit Score Impact First American Property & Casualty and United Financial Casualty Company Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? This isn't always the case (for example, Hawaii and California are two states that ban the practice entirely), but it does affect a lot of drivers out there.

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

So, which carrier offers the cheapest prices for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have stellar credit. Jumping from a "good" credit score to an "excellent" one will normally save United Financial Casualty Company customers about 15%. Because First American Property & Casualty, doesn't have data available for credit scores, they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

Having bad credit typically means you'll also see higher rates with United Financial Casualty Company. As you can see, United Financial Casualty Company customers with poor credit scores pay around 15% per month more than those with fair scores (and even more compared to drivers with good or excellent scores). Because First American Property & Casualty doesn't have data available for credit scores, they might have better premiums for drivers with bad credit over United Financial Casualty Company.

Is First American Property & Casualty 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 carriers will charge for coverage. Generally, those who drive fewer miles will end up with more affordable prices 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 every year, as well as those who average twice that figure, United Financial Casualty Company tends to be the less expensive option. United Financial Casualty Company's average rates for drivers with 6,000 annual miles come in about 7% cheaper than First American Property & Casualty. Those who drive 12,000 miles yearly can expect to pay around 30% less with United Financial Casualty Company over First American Property & Casualty.

First American Property & Casualty vs. United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a big impact as well. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the road in those areas, which reduces the chances of an accident.

When comparing these two companies side-by-side, United Financial Casualty Company normally comes out as the lowest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both carriers, but United Financial Casualty Company comes out on top with average prices about $125 a month. United Financial Casualty Company also has more affordable average rates for policyholders in urban and suburban ZIP codes -- a 19% and 29% a month respective difference when compared to First American Property & Casualty drivers in similar areas.

First American Property & Casualty vs. United Financial Casualty Company Discounts

Regardless of 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 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 find all the ones you qualify for or to nail down the company that has the most discounts for your unique driver profile.

In the table below, we've compared all of the different discounts offered by First American Property & Casualty and United Financial Casualty Company so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

United Financial Casualty Company knocks First American Property & Casualty out of the park when it comes to the sheer number of discounts available, offering eight more discounts than First American Property & Casualty.

There are a couple discounts both companies offer, but United Financial Casualty Company also offers continuous insurance discounts, defensive driver discounts, e-signature discounts, and more that First American Property & Casualty does not.

On the flip side, First American Property & Casualty has a couple unique discounts of its own -- group discounts, passive restraint discounts, and renewal discounts.

Final Thoughts: Is First American Property & Casualty or United Financial Casualty Company Best for You?

So, we've broken down the average prices for many of the factors insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is First American Property & Casualty or United Financial Casualty Company the best company for you and your specific profile and needs?

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

• You have a DUI charge on your record.
• Your neighborhood is in the suburbs.
• You don't spend much time in your car.

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

• Your driving record contains an at-fault collision.
• You want basic auto insurance coverage at the state minimum limits.

We hope this guide helps you get a good idea of the differences between First American Property & Casualty and United Financial Casualty Company. We also hope we've given you the information you need to make the best decision about your 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 First American Property & Casualty 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 car insurance carriers in your area, all in just a few minutes.

First American Property & Casualty vs. United Financial Casualty Company FAQs

Is First American Property & Casualty or United Financial Casualty Company cheaper?

Looking just at the national average premiums, United Financial Casualty Company is the less expensive of the two companies, offering average rates of $133 per month compared to $167 for First American Property & Casualty. However, United Financial Casualty Company won't necessarily be the most affordable company for everyone, since there are several different variables that are considered when it comes to your auto insurance payment.

Who is better, First American Property & Casualty or United Financial Casualty Company?

Sadly, the answer truly is "it depends.". Neither carrier is "better" for everyone -- it all comes down to what your unique insurance profile looks like. For example, First American Property & Casualty offers cheaper rates for policyholders with an at-fault accident on their record, while United Financial Casualty Company is more affordable for drivers who have less-than-stellar credit scores.

Why do First American Property & Casualty and United Financial Casualty Company offer me different rates?

Car insurance carriers take a look at lots of different factors when determining the premiums they charge drivers. Variables like where you live, where you call home, age, gender, and sometimes even things like your credit score can all be used. Both First American Property & Casualty and United Financial Casualty Company calculate prices using 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 multiple different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of 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 ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best company for you might not be First American Property & Casualty or United Financial Casualty Company 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.