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

Quick Facts

• Based on national averages for auto insurance, United Financial Casualty Company offers significantly cheaper rates than Nationwide
• Nationwide offers more discounts than United Financial Casualty Company
• United Financial Casualty Company offers more affordable prices for drivers who have received a ticket within the last few years

Nationwide vs. United Financial Casualty Company: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Nationwide or United Financial Casualty Company as your top options, but which company will offer you less expensive rates?

Looking at nationwide averages, United Financial Casualty Company is about $37 per month more affordable than Nationwide.

Even so, that doesn't mean United Financial Casualty Company will necessarily be cheaper than Nationwide for every driver. Insurance companies use a ton of complex algorithms to calculate prices, so depending on how clean your driving record is or how good your credit score is (among a lot of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both Nationwide 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.

Nationwide or United Financial Casualty Company: Average Car Insurance Rates by State

Nationwide and United Financial Casualty Company only compete against each other in one states, with United Financial Casualty Company offering less expensive prices to the average driver in all of them. California has the most noticable difference, where United Financial Casualty Company premiums are over 70% more affordable than auto insurance rates at Nationwide.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your prices. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers out there on the road. Usually, that's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. Just look at the table above -- where 18-year-old drivers who have United Financial Casualty Company for their insurance pay more than $50 less than those who use Nationwide. It's worth noting that Nationwide offers auto insurance in 34 different states compared to United Financial Casualty Company's two, which can skew the average rates a bit, but the difference here is still considerable.

However, both companies will offer you dramatically lower prices by the time you turn 25. For example, average premiums for Nationwide policyholders drop over 60% and United Financial Casualty Company's prices lower more than 65% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Nationwide and United Financial Casualty Company specifically, which company is best for retired drivers? United Financial Casualty Company gets the edge here, with average premiums coming in at around $95 a month compared to Nationwide's $125.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper auto insurance prices than those who are single. This usually boils down to married policyholders having more than one car on their policy -- something lots of insurance carriers will reward with discounts.

When it comes to relationship status, United Financial Casualty Company is the clear winner for single drivers, with rates about $40 a month less expensive than Nationwide, on average. The advantage for married drivers with United Financial Casualty Company is also obvious, where drivers save nearly $35 per month.

Nationwide vs. United Financial Casualty Company: Average Rates by Gender

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

Women normally pay around 7% a month less than men with Nationwide, and about 1% less with United Financial Casualty Company when compared to their male counterparts.

Looking at the data for each carrier specifically, United Financial Casualty Company comes out on top for both men and women, with average prices 24% less for men and 20% cheaper for women.

Nationwide 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.

It's no secret that auto insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

That being said, 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 and passengers if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, United Financial Casualty Company typically offers significantly more affordable premiums of $79 compared to Nationwide's $112. When it comes to full coverage policies with similar limits, United Financial Casualty Company again has the edge, with policies around $40 per month less expensive than Nationwide, on average.

Is Nationwide or United Financial Casualty Company Better for Drivers with Spotty Records?

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

Collisions and tickets will most likely raise your rates, but is Nationwide or United Financial Casualty Company more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Nationwide policyholders can expect their premiums to go up an average of $24 a month if they get a ticket, while United Financial Casualty Company normally raises prices about $34 per month, on average.

However, United Financial Casualty Company tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $22 a month and drivers with a ticket can save about $12 per month with United Financial Casualty Company.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault accident with United Financial Casualty Company increasing by $55. Nationwide has a less extreme increase, but you can still expect to pay just under $55 more than you were prior to your first collision.

Overall, drivers who use United Financial Casualty Company end up with the cheaper prices after an accident, with monthly premiums averaging $158 compared to Nationwide's $178.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your insurance bill. On average, Nationwide will increase your rates around 46% after a DUI, while United Financial Casualty Company's average prices climb by just under 25%.

United Financial Casualty Company has the overall most affordable premiums for drivers with a DUI on their records at $134 per month, but it's worth noting that Nationwide's average rates come from 34 states compared to just two for United Financial Casualty Company, so the data may be skewed slightly.

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

Did you know that many auto insurance carriers take your credit score into account when calculating rates? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of drivers.

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

Looking specifically at United Financial Casualty Company and Nationwide, which one has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with United Financial Casualty Company. Drivers with "excellent" credit can save over 20% compared to Nationwide, and those with "good" scores can also expect to see savings -- about $33 or 22% cheaper every month.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower rates than Nationwide when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $37 a month less with United Financial Casualty Company compared to Nationwide, and those with "poor" scores generally save an average of about $43 monthly.

Is Nationwide or United Financial Casualty Company Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a large impact on your monthly insurance bill? That's because the more miles you put on your vehicle, the more likely you are to get into an accident and cause an insurance claim.

United Financial Casualty Company tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure. Nationwide's average prices for drivers with 6,000 annual miles come in around 23% more expensive than United Financial Casualty Company. Those who drive 12,000 miles yearly can expect to pay about 21% more with Nationwide over United Financial Casualty Company.

Nationwide vs. United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly car insurance cost. Usually, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the roads in those areas.

When comparing these two carriers side-by-side, United Financial Casualty Company typically comes out as the cheapest option for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, United Financial Casualty Company offers rates around $139 per month compared to Nationwide's $199. People who live in suburban ZIP codes can expect to pay about $134 per month for United Financial Casualty Company and $159 for Nationwide. Lastly, those in rural areas tend to get the most affordable prices from both companies, with average monthly premiums coming in at $125 and $151 for United Financial Casualty Company and Nationwide respectively.

Nationwide vs. United Financial Casualty Company Discounts

You want to save as much money as possible, right? The best way to do that is by utilizing as many insurance discounts as you can.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Below, we've compared all of the different discounts offered by Nationwide and United Financial Casualty Company so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Looking at the total number of discounts, Nationwide has the advantage when it comes to total number of discounts. United Financial Casualty Company offers a grand total of 18 discounts, while Nationwide has 22.

Both carriers offer lots of the same discounts -- like anti-theft discounts, distant student discounts, discounts for being a good driver, and multi-policy discounts -- but Nationwide also offers advance quote discounts, agency transfer discounts, driver training discounts, and more that United Financial Casualty Company does not.

On the flip side, United Financial Casualty Company has a couple unique discounts of its own -- continuous insurance discounts, e-signature discounts, mature driver discounts, and more.

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

So, we've broken down the average rates for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, is Nationwide or United Financial Casualty Company the right carrier for you and your specific profile and needs?

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

• You're single and purchasing car insurance by yourself.
• You want basic insurance coverage at the state minimum limits.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Nationwide might be best for you if...

• You value the experience that comes with a large national car insurance company.
• You're looking for the carrier with the most discounts.

We hope this guide helps you get a good idea of the differences between Nationwide and United Financial Casualty Company 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 auto insurance policy is to compare quotes from multiple carriers, not just Nationwide and United Financial Casualty Company. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Nationwide vs. United Financial Casualty Company FAQs

Is Nationwide or United Financial Casualty Company cheaper?

Looking just at the national average prices, United Financial Casualty Company is the less expensive of the two carriers, offering average rates of $133 a month compared to $170 for Nationwide. That being said, United Financial Casualty Company won't necessarily be the lowest company for each driver, since there are a range of different factors that come into play when it comes to your insurance payment.

Who is better, Nationwide or United Financial Casualty Company?

Unfortunately, the real answer is "it depends.". No one carrier is necessarily "better" for every driver -- it all comes down to what your unique auto insurance profile looks like.

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

Insurance companies take a look at several different variables when determining the premiums they charge drivers. Things like where you live, gender, age, where you park your vehicle, and sometimes even things like your credit score can all come into play. Both Nationwide and United Financial Casualty Company calculate rates using different factors, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a bunch of different carriers.

How do I know if Nationwide 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 several 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 ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best company for you might not be Nationwide 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.