First American Property & Casualty vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Workmen's Auto offers slightly less expensive prices than First American Property & Casualty
• First American Property & Casualty has cheaper rates for policyholders whose driving record contains an at-fault collision
• Workmen's Auto has more affordable premiums for policyholders who haven't received any speeding tickets or been in a collision in the last few years

First American Property & Casualty or Workmen's Auto: Which Company has the Cheapest Car Insurance?

So, you're thinking about 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 it down to First American Property & Casualty or Workmen's Auto for your next policy, but between the two, which carrier will save you the most?

As you can see, First American Property & Casualty is around $16 more a month than Workmen's Auto when looking at the national average rates for auto insurance.

That being said, Workmen's Auto may not be the cheapest or best option for each driver out there. Car insurance carriers use tons of complex algorithms to determine rates, so depending on where you live or how good your credit score is (among lots of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both First American Property & Casualty and Workmen's Auto by a range of different rate factors, so read on to find out which carrier is the best for you.

First American Property & Casualty vs. Workmen's Auto: Average Car Insurance Rates by State

Both First American Property & Casualty and Workmen's Auto only offer insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. Workmen's Auto drivers tend to pay about $16 per month less on average compared to drivers who use First American Property & Casualty for their auto insurance.

Typically, the state you live in will play a hefty 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 Workmen's Auto. Read on to find out more.

Which is the Best Company For Young Drivers?

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

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 10% less a month by choosing Workmen's Auto over First American Property & Casualty.

Even so, both companies will decrease rates once you turn 25. Workmen's Auto offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. First American Property & Casualty's average premiums reduce 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 insurance rates you'll ever find. After all, they've likely been driving for quite some time, which normally reduces their chances of collisions and other infractions that can raise prices.

When looking at First American Property & Casualty and Workmen's Auto specifically, which company is best for retired drivers? In this case, First American Property & Casualty has the slight edge, with premiums about $3 per month less than Workmen's Auto. However, that difference is less than 5%, which means it ultimately will come down to other factors, like your credit score or your driving record.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance rates than married policyholders. That's generally because married drivers tend to own and insure more than one vehicle, which can often earn you a discount.

If you're in the market for auto insurance, Workmen's Auto tends to have the lowest average prices regardless of if you're married or single, with prices around $10 less expensive for married couples and about $20 cheaper for single drivers.

First American Property & Casualty or Workmen's Auto: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to insurance men will typically end up paying a little more.

Men and women get the same monthly premiums with First American Property & Casualty; men and women end up paying the same monthly prices with Workmen's Auto.

Looking at the data for each carrier specifically, Workmen's Auto comes out as the most affordable option for both genders, with average rates 10% less for men and 10% cheaper for women.

First American Property & Casualty vs. Workmen's Auto: 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 so many different terms and limits that it can make it pretty confusing to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (that covers property damage and bodily injury for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, Workmen's Auto has the slight edge, with average monthly prices coming in at $67. If you want a full coverage policy with the same state minimum limits, Workmen's Auto again has the edge, with policies averaging around $235 a month to First American Property & Casualty's $263.

Is First American Property & Casualty or Workmen's Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers 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 accidents and speeding tickets lead to higher premiums, but which company -- First American Property & Casualty or Workmen's Auto -- has the cheapest prices 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 insurance can usually expect their monthly bill to go up about 18% after getting a speeding ticket. Workmen's Auto policyholders can expect a bit more drastic of an increase of around 23%.

If you have gotten a ticket, First American Property & Casualty tends to offer the best rates at about 0% more affordable, while Workmen's Auto has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through First American Property & Casualty can expect to see around an $26 -- or about 18% -- rise in their auto insurance premiums. Drivers who use Workmen's Auto for their car insurance will see a monthly bill around $45 (or 29%) more expensive after reporting an accident to their insurance carrier.

At the end of the day, First American Property & Casualty offers the lowest prices for drivers with an at-fault accident on their records, with average rates coming in at $145 compared to Workmen's Auto Insurance's $156.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. On average, First American Property & Casualty will increase your premiums about 54% after a DUI, while Workmen's Auto's average rates increase by more than 40%.

But if you end up with a DUI charge and are looking for more affordable prices, Workmen's Auto tends to be less expensive for the average driver, with monthly premiums coming in at around $191 to First American Property & Casualty's $256.

How does Credit Score Impact First American Property & Casualty and Workmen's Auto Rates?

Often times, your credit score can be used as one of the variables to calculate your monthly insurance premiums. This isn't true for everyone (Massachusetts, for example, has banned the use of credit score as a car insurance factor) but it does affect a lot of drivers out there.

Car insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which lowers the risk involved on their end, while the opposite is true for those with bad credit.

So, which company offers the cheapest prices for policyholders with good, average, or poor 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 Workmen's Auto 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 rates. That's because the fewer miles you drive, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Workmen's Auto offers cheaper premiums than First American Property & Casualty. First American Property & Casualty's average rates for drivers with 6,000 annual miles come in over 10% more expensive than Workmen's Auto. Those who drive 12,000 miles yearly can expect to pay nearly 10% more with First American Property & Casualty over Workmen's Auto.

First American Property & Casualty or Workmen's Auto: 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 auto insurance, but the type of area you live in can have a big impact as well. Generally, those who live in rural areas will pay less than drivers in urban areas due to the small number of cars that are on the roads where they live.

Workmen's Auto normally comes out as the more affordable option for drivers in urban and suburban areas, while First American Property & Casualty wins in rural areas.

Those in rural areas can expect to save about $9 with First American Property & Casualty compared to Workmen's Auto. People who live in suburban areas pay around $34 less with Workmen's Auto compared to First American Property & Casualty. For policyholders in urban ZIP codes, Workmen's Auto Insurance's average prices are about $23 less than First American Property & Casualty.

First American Property & Casualty vs. Workmen's Auto Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be hard to find all the ones you qualify for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both First American Property & Casualty and Workmen's Auto so that you can see which company can save you the most money each month.

First American Property & Casualty blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 10 different discounts to Workmen's Auto's four.

Both carriers offer quite a few of the same discounts -- like discounts for being a good driver, mature driver discounts, and renewal discounts -- but First American Property & Casualty also offers discounts for anti-theft, distant student, good student, and more.

On the other hand, Workmen's Auto has a proprietary discount of their own -- a driver-vehicle combination discounts.

Final Thoughts: Is First American Property & Casualty or Workmen's Auto Best for You?

So, we've broken down the average premiums for many of the factors insurance companies look at, and walked through the different discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the best fit for you?

Workmen's Auto might be best for you if....

• You have a clean record.
• You live in an suburban area.
• You don't spend much time in your car.

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

• You want to save money on your auto insurance after an accident.
• You live in a rural neighborhood.
• You're of retirement age and want to take advantage of lower prices.

Hopefully, this guide helps you get a good idea of the differences between First American Property & Casualty and Workmen's Auto. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just First American Property & Casualty and Workmen's Auto. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance companies in your area, all in just a few minutes.

First American Property & Casualty vs. Workmen's Auto FAQs

Is First American Property & Casualty or Workmen's Auto cheaper?

Workmen's Auto is the cheaper of the two carriers when looking at national average rates, with policies averaging $151 per month with Workmen's Auto and $167 for First American Property & Casualty. Even so, that doesn't mean Workmen's Auto will be the lowest company for each driver, since there are several different variables that come into play when it comes to your car insurance payment.

Who is better, First American Property & Casualty or Workmen's Auto?

Unfortunately, the real answer is "it depends.". One carrier is not "better" for every policyholder -- it all depends on the makeup of your unique insurance profile. For example, First American Property & Casualty is less expensive for drivers who have already retired, while Workmen's Auto offers more affordable premiums for single drivers.

Why do First American Property & Casualty and Workmen's Auto offer me different rates?

Auto insurance companies use lots of different factors when determining the rates they charge. Variables such as gender, your driving record, where you call home, age, and sometimes even things like your credit score can all be used. Both First American Property & Casualty and Workmen's Auto calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if First American Property & Casualty or Workmen's Auto is right for me?

The only way to find the insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best company for you isn't First American Property & Casualty or Workmen's Auto 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.