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

Quick Facts

• Looking at the national averages for insurance, Omni offers significantly cheaper rates than State Auto
• Omni has less expensive prices for drivers who have a speeding ticket on their driving record
• State Auto may help you save more money -- they offer more discounts than Omni Insurance

Omni or State 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 huge savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Omni or State Auto for your next policy, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, Omni is quite a bit cheaper than State Auto, with premiums averaging $181 a month compared to $259 with State Auto.

Even so, that doesn't mean Omni will necessarily be more affordable than State Auto for every single driver. After all, car insurance companies can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your credit score, or even your age (among other things), so rates will differ quite a bit from person to person.

Wanting to know if Omni or State Auto is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Omni vs. State Auto: Average Car Insurance Rates by State

Omni and State Auto only compete against each other in one states, with Omni offering less expensive premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Omni rates are $85 more affordable than insurance prices at State Auto.

There's a lot more that goes into your auto insurance cost than just where you live. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for car insurance compared to older drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use Omni save over 35% per month compared to those who use State Auto.

But both carriers will offer you dramatically lower premiums once you turn 25. For example, average rates for Omni policyholders decrease around $350 and State Auto's premiums reduce about $500 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices out there.

When looking at Omni and State Auto specifically, which carrier is best for retired drivers? Omni gets the edge, with premiums for drivers 65 and older more than 20% cheaper than the national average for State Auto.

Which is the Best Company for Married Drivers?

You may not be aware, but insurance rates tend to be more expensive for single drivers than they are for married drivers. That's because policies for married couples generally cover multiple vehicles, which many companies will give you a discount for.

For single policyholders, the difference in average prices between these two carriers is significant, with Omni premiums coming in at a third less than State Auto's. The advantage for married policyholders with Omni is also obvious, where drivers save almost $45 a month.

Omni or State Auto: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get tickets, which means they'll typically end up paying more for auto insurance than women.

On average, women see rates around $15 per month less expensive with Omni, and about $25 with State Auto.

Looking at the data for each company specifically, Omni comes out as the lowest option for both genders, with average prices 30% less for men and 30% cheaper for women.

Omni vs. State 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.

For most people, car insurance isn't the easiest topic to understand. There are a bunch of 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 a collision.

However, most policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Omni has the significant edge, with average monthly rates coming in at $104. If you want a full coverage policy with the same state minimum limits, Omni again has the edge, with policies averaging around $258 a month to State Auto's $369.

Is Omni or State Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with collisions and speeding tickets on your record, but which of these two companies offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Omni for their car insurance can usually expect their monthly bill to go up about 4% after getting a speeding ticket. State Auto policyholders can expect a bit more drastic of an increase of around 22%.

Even so, Omni is typically the cheaper option for both drivers who have clean records and those with a recent ticket, offering premiums that are $2 and $43 more affordable, respectively, compared to State Auto Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will raise rates pretty significantly if you get into an at-fault collision with State Auto climbing by about 37%. Omni has a less extreme increase, but you can still expect to pay more than 15% more than you were prior to your first accident.

At the end of the day, the less expensive prices come from Omni, with average premiums coming in at $203 compared to State Auto Insurance's $269.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- generally a lot more than a collision or speeding ticket. On average, State Auto will climb your prices around 55% after a DUI, while Omni's average premiums rise by 6%.

But if you end up with a DUI charge and are looking for more affordable rates, Omni tends to be more affordable for the average driver, with monthly premiums coming in at about $178 to State Auto's $380.

How does Credit Score Impact Omni and State Auto Rates?

Did you know many insurance companies take your credit score into account when determining prices? Certain states and carriers do not allow for credit score to be used as an insurance factor, but it does affect several drivers out there.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

So, which carrier offers the most affordable rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Omni will normally reward you the most. For policyholders with "excellent" credit scores, Omni comes in over 16.49 cheaper. Drivers with "good" credit scores usually save around 23% with Omni compared to average premiums from State Auto.

Which Company is Best for Drivers with Bad Credit?

Omni typically offers lower prices than State Auto when it comes to drivers with bad credit. Drivers with "fair" credit pay about 29% per month less with Omni compared to State Auto, and those with "poor" scores normally save an average of around 42% monthly.

Is Omni or State Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on how much car insurance carriers will charge for coverage. That's because the fewer miles you put on your vehicle, the less likely you are to be in an accident and file an insurance claim.

In this case, neither Omni or State Auto report increasing premiums for drivers with higher annual mileage figures. That being said, Omni comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average rates of $181 a month for both.

Omni or State 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 insurance, but the type of area you live in can have a sizable impact as well. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer vehicles on the road where they live, which lowers the chances of an accident.

Omni tends to offer the most affordable premiums 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 40% with Omni compared to State Auto. People who live in suburban areas pay around 39% less with Omni compared to State Auto. For drivers in urban ZIP codes, Omni Insurance's average rates are about 16% less than State Auto Insurance.

Omni vs. State Auto Discounts

No matter 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 you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Omni and State Auto so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, State Auto comes out ahead with 18 discounts to Omni's 13.

A couple of those are overlapping for things like advance quote discounts, anti-theft discounts, and discounts for insuring multiple cars with the same company. State Auto also offers discounts for ABS, advantage program , COVID-19 relief, and more.

On the other hand, Omni has a few proprietary discounts of their own for things like agency transfer discounts, cellphone safety discounts, group discounts, and more.

Final Thoughts: Is Omni or State Auto Best for You?

So, we've broken down the average prices for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which insurance company is the best fit for you?

Omni might be best for you if....

• You have below-average credit.
• You live in an suburban area.
• You want to save money while purchasing auto insurance for a teenager.

State Auto might be best for you if...

• You care about discounts (State Auto offers the most).

Hopefully, this guide has ben a valuable resource as you compare Omni and State Auto. We also hope we've given you the information you need to make the best decision when it comes to your car 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 insurance -- comparing quotes from several carriers, not just Omni and State Auto. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Omni vs. State Auto FAQs

Is Omni or State Auto cheaper?

Omni is the less expensive of the two carriers when looking at national average premiums, with policies averaging $181 per month with Omni and $259 for State Auto. But that doesn't mean Omni will be the cheapest carrier for each 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, Omni or State Auto?

Unfortunately, the answer truly is "it depends.". No one company is necessarily "better" for every policyholder -- it all boils down to your unique auto insurance profile.

Why do Omni and State Auto offer me different rates?

Car insurance companies use lots of different variables when calculating the rates they charge. Things like where you park your car, gender, age, where your home is, and sometimes even things like your credit score can all come into play. Both Omni and State Auto calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the auto insurance company 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, Compare.com makes it easy for you to do just that. Just enter your area information and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best carrier for you isn't Omni or State 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.