MMG vs. United Financial Casualty Company: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, MMG offers less expensive rates than United Financial Casualty Company
• MMG offers cheaper average prices for single people who will be the only person on the car insurance policy
• United Financial Casualty Company may help you save more money -- they offer more discounts than MMG Insurance

MMG or United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering considerable savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to MMG or United Financial Casualty Company for your next policy, but between the two, which company will offer you more affordable premiums?

Looking at nationwide averages, MMG has average rates that are around 11% a month cheaper than those from United Financial Casualty Company.

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

Wanting to know if MMG or United Financial Casualty Company is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

MMG vs. United Financial Casualty Company: Average Car Insurance Rates by State

MMG and United Financial Casualty Company only compete against each other in one states, with MMG offering less expensive premiums to the average driver in all of them. Maine has the most noticable difference, where MMG rates are $34 cheaper than car insurance prices at United Financial Casualty Company.

There are plenty of other factors that go into your insurance payment than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any other group of drivers. That's because 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.

Even so, that doesn't mean teen drivers can't still save money on their auto insurance. For example, 18-year-old drivers pay an average of 25% less per month by choosing MMG over United Financial Casualty Company.

However, with both companies, you'll see your premiums lower significantly once you turn 25. For example, average prices for MMG policyholders decrease about $150 and United Financial Casualty Company's premiums reduce around $200 over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the most affordable insurance prices you'll ever find. After all, they've likely been driving for quite some time, which typically reduces their chances of collisions and other infractions that can raise rates.

When looking at MMG and United Financial Casualty Company specifically, which company is best for retired drivers? MMG gets the edge here, with average prices coming in at about $83 a month compared to United Financial Casualty Company's $95.

Which is the Best Company for Married Drivers?

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

For single policyholders, the difference in average rates between these two carriers is significant, with MMG premiums coming in at around 15% less than United Financial Casualty Company's. It's not quite so glaring for married drivers, where drivers who use MMG save about 3% a month.

MMG or United Financial Casualty Company: Average Rates by Gender

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

Usually, men see rates almost 15% per month higher with MMG, but with United Financial Casualty Company, the difference is closer to 1% a month.

Looking at the data for each carrier specifically, MMG offers the lowest average prices for both men and women. On average, male drivers save about $7 per month and women save around $22 with MMG compared to the average United Financial Casualty Company policyholder.

MMG vs. 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.

For most people, car insurance can be pretty complicated. There are several different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

That being said, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability insurance, MMG has the slight edge, with average monthly premiums coming in at $77. If you want a full coverage policy with the same state minimum limits, MMG again has the edge, with policies averaging about $160 a month to United Financial Casualty Company's $187.

Is MMG or United Financial Casualty Company 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.

It's no secret secret that at-fault accidents and speeding tickets lead to higher rates, but which company -- MMG or United Financial Casualty Company -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use MMG for their auto insurance can generally expect their monthly bill to go up around 19% after getting a speeding ticket. United Financial Casualty Company policyholders can expect a bit more drastic of an increase of about 25%.

Even so, MMG tends to offer the best prices for both drivers who have a recent ticket and those with clean records. With MMG Insurance, drivers with a clean record can save around $13 per month and drivers with a speeding ticket can save about $26 a month.

Which Company is Best for Drivers After an Accident?

MMG drivers who get in an accident can expect to see their rates climb by over $30, while those who have insurance through United Financial Casualty Company will see around a $55 increase.

At the end of the day, drivers who use MMG end up with the cheaper prices after an accident, with average premiums coming in at $122 compared to United Financial Casualty Company's $158.

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 ticket when it comes to your car insurance bill. For example, MMG increases average rates by more than $60 per month -- that's more than a 40% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, United Financial Casualty Company tends to be less expensive for the average driver, with monthly premiums coming in at about $134 to MMG's $151.

How does Credit Score Impact MMG and United Financial Casualty Company Rates?

Did you know many auto insurance carriers take your credit score into account when determining prices? This isn't true for everyone (California, for example, has banned the use of credit score as an insurance factor) but it does affect several policyholders out there.

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

Looking at MMG and United Financial Casualty Company specifically, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is MMG 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 insurance carriers will charge for coverage. That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much MMG charges. However, there's a small difference in monthly prices for United Financial Casualty Company, with policyholders who drive 6,000 miles yearly paying around $4 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, MMG is the less expensive carrier.

MMG or 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 auto insurance, but the type of area you live in can have a sizable impact as well. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more vehicles on the roads where they live.

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

Those in rural areas can expect to save about $21 with MMG compared to United Financial Casualty Company. People who live in suburban areas pay around $3 less with MMG compared to United Financial Casualty Company. For drivers in urban ZIP codes, MMG Insurance's average rates are about $19 less than United Financial Casualty Company.

MMG vs. United Financial Casualty Company Discounts

No matter why you might be in the market for a new insurance policy, you're always going to want to save as much money as you can. That's where car insurance discounts comes into play.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by MMG and United Financial Casualty Company so that you can find the one that has the most discounts and, therefore, the largest savings.

United Financial Casualty Company knocks MMG out of the park when it comes to the sheer number of discounts available, offering 11 more discounts than MMG.

Both carriers offer a lot of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and multi-policy discounts -- but United Financial Casualty Company also offers discounts for anti-theft, continuous insurance, e-signature, and more.

On the other hand, MMG has a few proprietary discounts of their own for things like ez-pay credit discounts, new business discounts, and renewal discounts.

Final Thoughts: Is MMG or United Financial Casualty Company Best for You?

So, we've broken down the average premiums for many of the variables insurance companies look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which insurance carrier is the right carrier for you, your vehicle, and your wallet?

MMG might be best for you if....

• You have a clean record.
• You're looking for the best rates on liability only coverage.
• You want to save money while purchasing car insurance for a teenager.

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

• Your driving record includes a DUI charge.
• You're looking for discounts -- United Financial Casualty Company has the most.

Hopefully, this guide helps you get a better idea of the difference between MMG and United Financial Casualty Company. We also hope we've given you the information you need to make the best decision when it comes to your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just MMG and United Financial Casualty Company. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

MMG vs. United Financial Casualty Company FAQs

Is MMG or United Financial Casualty Company cheaper?

MMG is the cheaper of the two carriers when looking at national average prices, with policies averaging $118 a month with MMG and $133 for United Financial Casualty Company. But that doesn't mean MMG will be the most affordable company for every driver, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, MMG or United Financial Casualty Company?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique insurance profile looks like. For example, United Financial Casualty Company is less expensive for drivers who have less-than-stellar credit scores, while MMG offers more affordable rates for policyholders with an at-fault accident on their record.

Why do MMG and United Financial Casualty Company offer me different rates?

Auto insurance companies use quite a few different variables when calculating the premiums they charge. Things like age, your driving record, where you park your car, gender, and sometimes even things like your credit score can all be used. Both MMG and United Financial Casualty Company calculate prices using different formulas, 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 bunch of different carriers.

How do I know if MMG or United Financial Casualty Company is right for me?

The only way to find the car insurance carrier 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 information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the lowest premium. And maybe you'll find that the best company for you isn't MMG or United Financial Casualty Company 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.