Motorists vs. Omni: Which Company is the Best Fit for You?

Quick Facts

• In general, Omni offers significantly cheaper rates than Motorists
• Motorists offers more discounts than Omni Insurance
• Omni offers less expensive average premiums for drivers who have an at-fault accident on their record

Motorists vs. Omni: 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 hefty discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Motorists or Omni, but which carrier has more affordable rates for car insurance?

Looking at nationwide averages, Omni has average rates that are about 30% per month cheaper than those from Motorists.

Even so, Omni may not be the most affordable or best option for every single driver out there. Insurance companies vary their premiums depending on things like how old you are, how good your credit score is, how clean your driving record is, where you live, and a ton of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of Motorists or Omni is really the best for you, keep reading to see average premiums for each company broken down by many different rate factors.

Motorists or Omni: Average Car Insurance Rates by State

Motorists and Omni only compete against each other in one states, with Omni offering more affordable rates to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni prices are over 70% less expensive than car insurance rates at Motorists.

But there's more to calculating auto insurance prices than just where you live. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

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

That being said, that doesn't mean teen drivers can't still save money on their car insurance. Just look at the table above -- where 18-year-old drivers who have Motorists for their auto insurance pay more than $55 less than those who use Omni.

But with both carriers, you'll see your premiums drop significantly by the time drivers turn 25. For example, average rates for Motorists policyholders decrease nearly $200 and Omni's premiums lower around $350 over that time.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Motorists and Omni? Omni gets the edge here, with average prices coming in at about $132 a month compared to Motorists's $219.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance rates tend to be more expensive for single drivers than they are for married couples. That's generally because married drivers tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Omni is the clear winner for those who are single, with premiums around $51 a month more affordable than Motorists, on average. The advantage for married policyholders with Omni is also obvious, where drivers save almost 45% per month.

Motorists vs. Omni: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to insurance men will typically end up paying a little more.

With Motorists, women normally pay about 5% a month less than men, and around 8% less with Omni.

Looking at the data for each carrier specifically, Omni comes out on top for both men and women. On average, male drivers save about $68 per month and women save about $71 with Omni compared to the average Motorists policyholder.

Motorists or Omni: 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 so many different limits and terms that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum liability insurance, Omni generally offers less expensive rates of $104 compared to Motorists's $123. When it comes to full coverage policies with similar limits, Omni again has the edge, with policies around $100 a month cheaper than Motorists, on average.

Is Motorists or Omni Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and collisions lead to higher prices, but which company -- Motorists or Omni -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Motorists policyholders can expect their premiums to go up an average of $18 per month if they get a ticket, while Omni usually raises prices about $7 a month, on average.

But Omni tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records, offering rates that are $1 and $12 more affordable, respectively, compared to Motorists Insurance Group.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Motorists can expect to see around an $37 -- or about 18% -- increase in their auto insurance premiums. Drivers who use Omni for their car insurance will see a monthly bill around $35 (or 17%) more expensive after reporting a collision to their auto insurance carrier.

Overall, drivers who use Omni end up with the cheaper prices after an accident, with monthly prices averaging $203 compared to Motorists Insurance Group's $206.

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 insurance bill. Motorists drivers usually see a 62% raise in their auto insurance premiums after a DUI charge, while Omni will normally climb prices by about 6%.

If you have a DUI on your record and are looking for more affordable rates, Omni tends to be the much cheaper option with average prices of $178 monthly compared to $442 from Motorists.

How does Credit Score Impact Motorists and Omni Rates?

Did you know that many car insurance companies take your credit score into account when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect quite a few drivers out there.

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

So, which company offers the best premiums 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 Motorists or Omni Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on your monthly car insurance bill. That's because the more miles you put on your vehicle each year, the more likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Omni charges. However, there's a small difference in monthly rates for Motorists, with drivers who put 6,000 miles on their car annually paying around $10 less every month compared to those who drive 12,000 miles each year. Still, Omni is the less expensive option for drivers in both categories.

Motorists vs. Omni: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a large role in how much you pay for insurance. Typically, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because there are a lot fewer vehicles on the road in those areas, which decreases the chances of an accident.

Omni boasts the cheapest average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, Omni Insurance's average prices are about 7% less than Motorists Insurance Group. Drivers in suburban ZIP codes pay around 33% less with Omni compared to Motorists. If you live in a rural area, you can expect to save about 47% with Omni compared to Motorists.

Motorists vs. Omni 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 taking advantage of as many car insurance discounts as you can.

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're eligible for.

Below, we've broken down all of the different discounts offered by both Motorists and Omni so that you can see which one can save you the most money each month.

Looking at the total number of discounts, Motorists comes out ahead with 14 discounts to Omni's 13.

There are a couple discounts both carriers offer, but Motorists also offers ABS discounts, empty nester discounts, hybrid vehicle discounts, and more that Omni does not.

On the flip side, Omni has a couple unique discounts of its own -- agency transfer discounts, cellphone safety discounts, group discounts, and more.

Final Thoughts: Is Motorists or Omni Best for You?

So, you've seen how different variables can affect your auto insurance premiums. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, is Motorists or Omni the best fit for you?

Omni might be best for you if....

• You have a speeding ticket on your driving record.
• You live in an suburban area.
• You and your spouse are buying insurance together.

Motorists might be best for you if...

• You want to save extra money with discounts.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Motorists and Omni and that you can now make a more informed 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 several companies, not just Motorists and Omni. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Motorists vs. Omni FAQs

Is Motorists or Omni cheaper?

Looking just at the national average rates, Omni is the cheaper of the two companies, offering average rates of $181 per month compared to $251 for Motorists. Even so, Omni won't necessarily be the most affordable company for every driver, since there are a variety of different factors that come into play when it comes to your car insurance payment.

Who is better, Motorists or Omni?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile. For example, Omni offers more affordable prices for drivers with a recent DUI, while Motorists is less expensive for drivers with excellent credit.

Why do Motorists and Omni offer me different rates?

Car insurance carriers take a look at lots of different variables when determining the rates they charge drivers. Things such as gender, age, your driving record, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Motorists and Omni calculate prices differently, so each one will most likely offer different premiums. The only real way to see which company is the cheapest for you is by comparing personalized quotes from several different companies.

How do I know if Motorists or Omni is right for me?

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers 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 ZIP code and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best company for you might not be Motorists or Omni 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.