Pure vs. State Farm: Which Company is the Best Fit for You?

Quick Facts

• In general, State Farm offers significantly less expensive rates than Pure
• State Farm offers more affordable average premiums for drivers with a DUI charge on their record
• State Farm offers more affordable rates for residents of rural areas

Pure vs. State Farm: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering huge discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Pure or State Farm, but which one will offer you cheaper prices?

As you can see, Pure is quite a bit more expensive than State Farm, with premiums averaging $331 per month compared to just $158 with State Farm when looking at the national average rates for insurance.

Even so, that doesn't mean State Farm will necessarily be more affordable than Pure for each driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, your age, or even where you call home (among other things). So, at the end of the day, prices from every carrier will differ quite a bit from person to person.

So, if you want to find out which of Pure or State Farm is really the best for you, keep reading to see average premiums for each company broken down by a range of different rate factors.

Pure or State Farm: Average Car Insurance Rates by State

Pure and State Farm only compete against each other in California, where State Farm offers the cheaper average rates. For California residents, State Farm offers car insurance for $224 monthly on average. Pure's average premiums come out to be over 40% more expensive, at $331 a month.

There are plenty of other factors that go into your insurance bill than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for car insurance than any other group of drivers. Typically, that's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high insurance prices. Just look at the table above -- where 18-year-old drivers who have State Farm for their auto insurance pay more than $350 less than those who use Pure.

However, both carriers will offer you dramatically lower rates once you turn 25. For example, average prices for Pure policyholders reduce over $400 and State Farm's premiums lower about $200 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll usually enjoy the lowest car insurance rates you can find. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for insurance.

So, which carrier offers the best rates to retired drivers? State Farm gets the edge here, with average prices coming in at around $111 per month compared to Pure's $234.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly cheaper auto insurance rates than single drivers. That's normally because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, State Farm is the clear winner for single policyholders, with prices about $208 a month less expensive than Pure, on average. The advantage is also clear for married couples - State Farm offers the cheapest average premiums.

Pure vs. State Farm: Average Rates by Gender

Did you know men tend to pay more for insurance than women? This is because men are statistically more likely than women to get pulled over for speeding or get into an accident, which leads to increased risk for insurers and, therefore, higher rates.

Everyone gets the same monthly premiums regardless of gender with Pure, and more than $10 with State Farm.

Looking at the data for each company specifically, State Farm comes out on top for both men and women, with average prices $167 less for men and $179 cheaper for women.

Pure or State Farm: 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 a variety of different coverages that account for lots of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

That being said, most policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, State Farm generally offers significantly cheaper premiums of $99 compared to Pure's $134. When it comes to full coverage policies with similar limits, State Farm again has the edge, with policies around $300 per month less expensive than Pure, on average.

Is Pure or State Farm Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with tickets and at-fault accidents on your record, but which of these two carriers offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Pure policyholders can expect their rates to go up an average of $80 a month if they get a ticket, while State Farm typically raises prices about $21 per month, on average.

Even so, State Farm tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 34% more affordable for drivers with clean records and 45% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Pure can expect to see around an $150 -- or about 43% -- increase in their insurance premiums. Drivers who use State Farm for their auto insurance will see a monthly bill around $29 (or 18%) more expensive after reporting a collision to their insurance carrier.

Overall, drivers who use State Farm end up with the cheaper prices after an accident, with monthly rates averaging $163 compared to PURE Insurance's $352.

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 ticket when it comes to your auto insurance bill. For example, Pure increases average prices by just under $300 a month -- that's just under a 60% increase.

How does Credit Score Impact Pure and State Farm Rates?

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

Auto 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 State Farm and Pure, which carrier has the cheapest prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have fantastic credit, State Farm will normally reward you. Jumping from a "good" credit score to an "excellent" one will usually save State Farm customers about 25%. Pure, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Having bad credit normally means you'll also see higher premiums with State Farm. If your credit score is in the "poor" range, at State Farm, you may pay around $150 more per month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). Because Pure doesn't have data available for credit scores, they may have better rates for drivers with bad credit over State Farm.

Is Pure or State Farm 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 pretty big impact on your monthly prices? Typically, the more miles you drive, the more you can expect to pay for insurance.

State Farm tends to be the more affordable option for both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure. Pure average premiums for drivers with 6,000 annual miles come in about $124 more expensive than State Farm. Those who drive 12,000 miles yearly can expect to pay around $223 more with Pure over State Farm.

Pure vs. State Farm: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a large role in how much you pay for car insurance. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

State Farm tends to offer the lowest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the cheapest premiums from both carriers, but State Farm comes out on top with average prices about $127 a month. State Farm also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a $186 and $152 a month respective difference when compared to Pure drivers in similar areas.

Pure vs. State Farm 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. That's where car insurance discounts comes into play.

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.

Below, we've taken a look at all of the different discounts Pure and State Farm offer their customers so that you can see which company can save you the most money each month.

State Farm knocks Pure out of the park when it comes to the sheer number of discounts available, offering 23 different discounts to Pure's 23.

A couple of those are overlapping for things like ABS discounts, distant student discounts, discounts for being a good student, and multi-policy discounts. State Farm also offers annual mileage discounts, defensive driver discounts, drive safe & save discounts, and more that Pure does not.

On the flip side, Pure has a unique discount of its own -- a occasional operator discounts.

Final Thoughts: Is Pure or State Farm Best for You?

So, we've broken down the average prices for many of the factors auto insurance companies look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the right carrier for you and your specific profile and needs?

State Farm might be best for you if....

• You have an at-fault collision on your record.
• Your credit score is high.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

Pure might be best for you if...

• You have a more unique driver profile than those we mentioned above.

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

Pure vs. State Farm FAQs

Is Pure or State Farm cheaper?

Looking just at the national average premiums, State Farm is the more affordable of the two carriers, offering average rates of $158 per month compared to $331 for Pure. That being said, State Farm won't necessarily be the most affordable carrier for everyone, since there are several different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Pure or State Farm?

Unfortunately, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do Pure and State Farm offer me different rates?

Car insurance companies take a look at lots of different factors when determining the rates they charge policyholders. Variables like gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Pure and State Farm calculate premiums using different factors, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Pure or State Farm 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, sites like Compare.com do all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be Pure or State Farm 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.