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

Quick Facts

• In general, United Financial Casualty Company offers significantly less expensive rates than Pure
• United Financial Casualty Company offers cheaper average prices for policyholders who are looking to purchase insurance with a spouse
• United Financial Casualty Company may help you save more money -- they offer more discounts than PURE Insurance

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

Are you considering 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've maybe even narrowed your search down to Pure or United Financial Casualty Company, but between the two, which company has less expensive premiums for car insurance?

Looking at the national average rates for both carriers, United Financial Casualty Company has average rates that are around 60% a month cheaper than those from Pure.

But that doesn't mean United Financial Casualty Company will necessarily be more affordable than Pure for every driver. Auto insurance companies vary their rates depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a ton of other factors, so prices could differ drastically from person to person.

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

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

Pure and United Financial Casualty Company only compete against each other in California, where United Financial Casualty Company offers the cheaper average prices. United Financial Casualty Company drivers tend to pay about $205 per month less on average compared to drivers who use Pure for their car insurance.

But there's more to auto insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance carriers determine your premiums. Continue reading to learn more about how other variables 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 car insurance than any group on the road. It's usually because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean that teen drivers have to just accept sky-high insurance rates. As you can see above, teens who use United Financial Casualty Company save almost 55% a month compared to those who use Pure.

Even so, both companies will offer you dramatically lower prices once you turn 25. For example, average premiums for Pure policyholders drop about $400 and United Financial Casualty Company's prices reduce over $200 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Pure and United Financial Casualty Company specifically, which company is best for retired drivers? United Financial Casualty Company gets the edge, with premiums for drivers 65 and older nearly 60% cheaper than the national average for Pure.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are typically more expensive for single drivers than they are for married drivers? That's normally because married policyholders tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average rates between these two carriers is significant, with United Financial Casualty Company prices coming in at around 60% less than Pure's. The advantage for married couples with United Financial Casualty Company is also obvious, where drivers save about $150 per month.

Pure or United Financial Casualty Company: Average Rates by Gender

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

Everyone gets the same monthly rates regardless of gender with Pure, and around $2 with United Financial Casualty Company.

Looking at overall affordability, United Financial Casualty Company comes out on top for both men and women, with average premiums 60% less for men and 60% cheaper for women.

Pure 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.

Car insurance isn't the easiest topic to understand. There are a range of different coverages that account for lots 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.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

Looking specifically at state minimum limits for liability insurance, United Financial Casualty Company has the significant edge, with average monthly rates 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 a month to Pure's $528.

Is Pure 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.

Speeding tickets and collisions will most likely raise your premiums, but is Pure or United Financial Casualty Company more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Pure for their insurance can generally expect their monthly bill to go up around 28% after getting a speeding ticket. United Financial Casualty Company policyholders can expect a less drastic increase of about 25%.

Even so, United Financial Casualty Company has less expensive prices for drivers in both categories. With United Financial Casualty Company, drivers with a clean record can save around $99 per month and drivers with a ticket can save about $145 a month.

Which Company is Best for Drivers After an Accident?

Pure drivers who get in a collision can expect to see their rates increase by just under 45%, while those who have insurance through United Financial Casualty Company will see around a 35% increase.

At the end of the day, the cheaper prices come from United Financial Casualty Company, with average premiums coming in at $158 compared to PURE Insurance's $352.

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 -- usually a lot more than an accident or speeding ticket. For example, Pure increases average rates by nearly $300 per month -- that's nearly a 60% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, United Financial Casualty Company tends to be less expensive for the average driver, with monthly premiums coming in at about $134 to Pure's $489.

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

Often times, your credit score can be used as one of the factors to calculate your monthly car insurance prices. This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it will come into play for several policyholders.

Insurance companies argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable rates.

Looking at Pure and United Financial Casualty Company specifically, which carrier has the most affordable premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have great credit. Improving your "good" credit score to an "excellent" one will normally save United Financial Casualty Company customers around $15. On the other hand, Pure doesn't have data available for credit scores, which means they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit usually means you'll also see higher premiums with United Financial Casualty Company. As you can see, United Financial Casualty Company customers with poor credit scores pay about 15% a month more than 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 might have better rates for drivers with bad credit over United Financial Casualty Company.

Is Pure 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 considerable impact on your monthly auto insurance payment? That's because the fewer miles you put on your car each year, the less likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, United Financial Casualty Company tends to be the cheaper option. Pure's average prices for drivers with 6,000 annual miles come in more than 50% more expensive than United Financial Casualty Company. Those who drive 12,000 miles annually can expect to pay over 65% more with Pure over United Financial Casualty Company.

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

Where you park your vehicle can have a large impact on your monthly car insurance bill. 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.

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

In urban areas, United Financial Casualty Company's average rates are around $139 per month compared to Pure's $371. Drivers in suburban ZIP codes pay about $134 with United Financial Casualty Company compared to Pure's $313 monthly. Those in rural areas can expect to pay around $125 a month with United Financial Casualty Company and $308 with Pure.

Pure 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. That's where insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be difficult to find all the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Pure and United Financial Casualty Company so that you can see which company can save you the most money each month.

United Financial Casualty Company knocks Pure out of the park when it comes to the sheer number of discounts available, offering 18 different discounts to Pure's 18.

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

On the other hand, Pure has a few proprietary discounts of their own like ABS discounts and passive restraint discounts.

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

You've seen the effect certain variables have on your auto insurance and the different discounts carriers offer. That's all well and good, but when it comes down to it, which company is the right carrier 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 want the most robust protection via a "full coverage" policy.
• You're of retirement age and want to take advantage of lower prices.

Pure might be best for you if...

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

Hopefully, this guide helps you get a better idea of the difference between Pure and United Financial Casualty Company and that it aids in making a more informed 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 multiple companies, not just Pure 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 insurance carriers in your area, all for free.

Pure vs. United Financial Casualty Company FAQs

Is Pure or United Financial Casualty Company cheaper?

United Financial Casualty Company is the more affordable of the two companies when looking at national average rates, with policies averaging $133 a month with United Financial Casualty Company and $331 for Pure. That being said, that doesn't mean United Financial Casualty Company will be the most affordable carrier for everyone, since there are a variety of different factors that come into play when it comes to your auto insurance cost.

Who is better, Pure or United Financial Casualty Company?

Sadly, the real answer is "it depends.". One company is not "better" for every policyholder -- it all depends on the makeup of your unique car insurance profile.

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

Auto insurance carriers use lots of different variables when determining the prices they charge. Things such as gender, age, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Pure and United Financial Casualty Company calculate premiums 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 many different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from several carriers 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 quotes from dozens of your local top car insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Pure 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.