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

Quick Facts

• In general, United Financial Casualty Company offers significantly more affordable premiums than Patriot
• Patriot offers more affordable rates for policyholders who have a clean record
• United Financial Casualty Company offers less expensive average prices for policyholders who have a short commute

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering big savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Patriot or United Financial Casualty Company, but between the two, which one has more affordable premiums for car insurance?

As you can see, Patriot is quite a bit more expensive than United Financial Casualty Company, with rates averaging $191 a month compared to just $133 with United Financial Casualty Company when looking at the national average rates for insurance.

But that doesn't mean United Financial Casualty Company will necessarily be cheaper than Patriot for every driver. Car insurance carriers vary their premiums depending on things like where you live, how good your credit score is, how clean your driving record is, how old you are, and all sorts of other factors, so prices will vary quite a bit from person to person.

So, if you want to find out which of Patriot or United Financial Casualty Company is really the best for you, keep reading to see average premiums for each company broken down by a bunch of different rate factors.

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

Patriot and United Financial Casualty Company only compete against each other in one states, with United Financial Casualty Company offering less expensive rates to the average driver in all of them. Maine has the most noticable difference, where United Financial Casualty Company prices are $32 cheaper than auto insurance rates at Patriot.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how car insurance companies determine your premiums. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers out there on the road. The reason is that teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have United Financial Casualty Company for their auto insurance pay 25% less than those who use Patriot.

Even so, both carriers will offer you dramatically lower prices once you turn 25. For example, average premiums for Patriot policyholders decrease around $250 and United Financial Casualty Company's rates lower about $200 over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best prices to retired drivers? United Financial Casualty Company gets the edge here, with average rates coming in at around $95 per month compared to Patriot's $128.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly more affordable auto insurance prices than single drivers. This usually boils down to married policyholders having multiple vehicles on their policy -- something many insurance companies will reward with discounts.

For single policyholders, the difference in average premiums between these two carriers is significant, with United Financial Casualty Company rates coming in at a quarter less than Patriot's. The advantage is also clear for married couples - United Financial Casualty Company offers the lowest average prices.

Patriot or United Financial Casualty Company: Average Rates by Gender

Men are statistically more likely than women to get speeding tickets and get into collisions. That means when it comes to car insurance men will generally end up paying a little more.

Generally, men see premiums almost $20 per month higher with Patriot, but with United Financial Casualty Company, the difference is closer to $2 a month.

When it comes to the most affordable prices for each gender, United Financial Casualty Company comes out on top for both men and women, with average rates $66 less for men and $50 cheaper for women.

Patriot 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, insurance can be pretty complicated. There are several different coverages that account for a range 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.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability limits, United Financial Casualty Company has the slight edge, with average monthly premiums coming in at $79. If you want a full coverage policy with the same state minimum limits, United Financial Casualty Company again has the edge, with policies averaging about $187 per month to Patriot's $303.

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

It's no secret -- drivers with good records end up getting the best deals on their auto 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 speeding tickets and at-fault collisions on your record, but which of these two companies offers the cheapest rates to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Patriot for their car insurance can usually expect their monthly bill to go up around 21% after getting a speeding ticket. United Financial Casualty Company policyholders can expect a bit more drastic of an increase of about 25%.

However, Patriot is typically the less expensive option for both drivers who have a recent ticket and those with clean records. With Patriot Insurance, drivers with a clean record can save around $19 a month and drivers with a speeding ticket can save about $30 per month.

Which Company is Best for Drivers After an Accident?

Both carriers will raise premiums pretty significantly if you get into an at-fault collision with United Financial Casualty Company raising by around 35%. Patriot has a less extreme increase, but you can still expect to pay nearly 20% more than you were prior to your first accident.

At the end of the day, the cheaper prices come from Patriot, with average rates coming in at $103 compared to United Financial Casualty Company's $158.

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 insurance bill -- normally a lot more than a collision or ticket. Patriot drivers usually see a 82% increase in their auto insurance prices after a DUI charge, while United Financial Casualty Company will usually climb premiums by about 23%.

But if you end up with a DUI charge and are looking for more affordable rates, United Financial Casualty Company tends to be less expensive for the average driver, with monthly premiums coming in at around $134 to Patriot's $472.

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

In many cases, your credit score can come into play when companies calculate your monthly bill. Certain states and carriers do not allow for credit score to be used as an insurance factor, but it might come into play for quite a few drivers.

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

So, which company offers the most affordable prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Patriot 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 your monthly car insurance bill. Normally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Patriot charges. However, there's a small difference in monthly rates for United Financial Casualty Company, with drivers who put 6,000 miles on their vehicle annually paying about $4 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, United Financial Casualty Company is the cheaper carrier.

Patriot or United Financial Casualty Company: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a big impact on your monthly auto insurance cost. Typically, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer cars on the roads where they live.

When comparing these two carriers side-by-side, United Financial Casualty Company generally comes out as the lowest 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's average premiums are around $54 less than Patriot Insurance. People who live in suburban areas pay about $64 less with United Financial Casualty Company compared to Patriot. Those in rural areas can expect to save around $58 with United Financial Casualty Company compared to Patriot.

Patriot vs. United Financial Casualty Company 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 utilizing as many auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Patriot and United Financial Casualty Company offer their customers so that you can find the carrier that has the most discounts and, therefore, the largest savings.

United Financial Casualty Company blows Patriot away when it comes to the sheer amount of discounts available, offering seven more discounts than Patriot.

There are a couple discounts both companies offer, but United Financial Casualty Company also offers discounts for anti-theft, continuous insurance, e-signature, and more.

On the other hand, Patriot has a few proprietary discounts of their own for things like advance quote discounts, full coverage discounts, life policy discounts, and more.

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

You've seen the effect certain variables have on your insurance and the different discounts carriers offer. But, at the end of the day, which company is the best one for you and your specific profile and needs?

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

• You will be the only person on the car insurance policy.
• You live in a rural area.
• You're of retirement age and want to take advantage of lower prices.

Patriot might be best for you if...

• You have a clean driving record, free of accidents, tickets, or DUIs.
• You have received a ticket within the last few years.
• You have an at-fault collision on your record.

Hopefully, this guide helps you get a better idea of the difference between Patriot and United Financial Casualty Company. We also hope we've given you the information you need to make the best decision about 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 several companies, not just Patriot and United Financial Casualty Company. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Patriot vs. United Financial Casualty Company FAQs

Is Patriot or United Financial Casualty Company cheaper?

United Financial Casualty Company is the more affordable of the two companies when looking at national average premiums, with policies averaging $133 a month with United Financial Casualty Company and $191 for Patriot. That being said, that doesn't mean United Financial Casualty Company will be the cheapest carrier for everyone, since there are multiple different factors that come into play when it comes to your insurance payment.

Who is better, Patriot or United Financial Casualty Company?

Sadly, the real answer is "it depends.". No one company is "better" for each policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, United Financial Casualty Company is less expensive for drivers who have less-than-stellar credit scores, while Patriot offers cheaper rates for drivers with an at-fault accident on their record.

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

Car insurance carriers use lots of different variables when determining the prices they charge. Things like age, where you live, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Patriot and United Financial Casualty Company calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the auto insurance company 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 does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top insurance companies for free. With those, you can guarantee you're getting the lowest rate. And maybe you'll find that the best carrier for you isn't Patriot 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.