Pure vs. Workmen’s Auto: Which Company is the Best Fit for You?

If you're in the market for a new auto insurance policy, you might be wondering how Workmen's Auto and Pure compare when it comes to the most affordable prices and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • Looking at the national averages for insurance, Workmen's Auto offers significantly less expensive premiums than Pure
  • Pure offers more discounts than Workmen's Auto Insurance
  • Workmen's Auto has more affordable rates for policyholders who may not have much of a commute

Pure vs. Workmen's Auto: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Pure or Workmen's Auto as potential options, but which carrier will save you the most?

Pure Workmen's Auto

As you can see, Pure has average rates that are about 55% per month more expensive than those from Workmen's Auto when looking at the national average rates for auto insurance.

That being said, Workmen's Auto may not be the cheapest or best option for every driver out there. After all, insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things), so premiums will change quite a bit from person to person.

Luckily, we've broken down average rates from both Pure and Workmen's Auto by a variety of different rate factors, so read on to find out which company is the best for you.

Pure or Workmen's Auto: Average Car Insurance Rates by State

State Pure Workmen's Auto

Both Pure and Workmen's Auto only offer car insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Workmen's Auto offers auto insurance for $151 a month on average. Pure's average prices come out to be over 70% more expensive, at $331 per month.

Typically, your home state will play a large role in how much you pay for car insurance, but since both companies only do business in California, a range of other factors will come into play when you compare Pure and Workmen's Auto. Continue reading to see how other variables will affect your rates.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Pure Workmen's Auto
18-year-old drivers$722$321
25-year-old drivers$319$130

Young drivers -- especially teens -- typically pay a lot for insurance compared to older drivers. It's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of more than $400 less a month by choosing Workmen's Auto over Pure.

But both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Pure policyholders drop over 55% and Workmen's Auto's premiums decrease nearly 60% over that time.

Which is the Best Company for Retired Drivers?

Pure Workmen's Auto
65+-year-old drivers$234$124

Once you approach retirement age, you'll usually enjoy the lowest car insurance prices 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 insurance.

When looking at Pure and Workmen's Auto specifically, which carrier is best for retired drivers? Workmen's Auto gets the edge, with premiums for drivers 65 and older $110 cheaper than the national average for Pure.

Which is the Best Company for Married Drivers?

Pure Workmen's Auto

Did you know that auto insurance rates are generally more affordable for married couples than they are for single drivers? This usually boils down to married policyholders having several cars on their policy -- something several insurance companies will reward with discounts.

When it comes to relationship status, Workmen's Auto is the clear winner for those who are single, with prices around $216 per month cheaper than Pure, on average. For married drivers, the advantage is clear again - Workmen's Auto has the edge when it comes to average premiums.

Pure vs. Workmen's Auto: Average Rates by Gender

Pure Workmen's Auto

Women normally to pay less for car insurance than men. This is because women are less likely to get tickets and get into collisions, which lowers the chances of an insurance claim.

Women and men end up paying same monthly rates with Pure; women and men end up paying same monthly prices with Workmen's Auto.

Looking at the data for each company specifically, Workmen's Auto offers the cheapest average premiums for both men and women, with average prices 54% less for men and 54% cheaper for women.

Find your best rate in just a few minutes

Pure or Workmen's Auto: Compare State Minimum vs. Full Coverage Rates

Pure Workmen's Auto
State Minimum*$134$67
Full Coverage**$528$235

*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 insurance can be a complicated subject for most people. Everyone needs car insurance, but there are so many different limits and terms that it can be hard to find the right policy.

However, the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability coverage).

If you're looking for state minimum liability limits, Workmen's Auto generally offers significantly less expensive rates of $67 compared to Pure's $134. When it comes to full coverage policies with similar limits, Workmen's Auto again has the edge, with policies about $300 a month cheaper than Pure, on average.

Is Pure or Workmen's Auto Better for Drivers with Spotty Records?

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

Accidents and tickets will most likely raise your prices, but is Pure or Workmen's Auto more affordable for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Pure Workmen's Auto
Clean Record$202$111
1 Speeding Ticket$282$145

Pure policyholders can expect their rates to go up an average of $80 per month if they get a ticket, while Workmen's Auto typically raises premiums around $34 a month, on average.

That being said, Workmen's Auto has less expensive rates for drivers in both categories -- their rates are around 45% more affordable for drivers with clean records and 49% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Pure Workmen's Auto
Clean Record$202$111
1 At-Fault Accident$352$156

Pure drivers who get in a collision can expect to see their prices climb by just under 45%, while those who have insurance through Workmen's Auto will see about a 30% increase.

Overall, Workmen's Auto offers the most affordable premiums for drivers with an at-fault accident on their records, with monthly prices averaging $156 compared to PURE Insurance's $352.

Which Company is Best for Drivers with a DUI?

Pure Workmen's Auto
Clean Record$202$111
1 DUI$489$191

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your car insurance bill. For example, Pure increases average premiums by just under $300 per month -- that's just under a 60% increase.

If you have a DUI on your record and are looking for more affordable rates, Workmen's Auto tends to be the much cheaper option with average premiums of $191 monthly compared to $489 from Pure.

Find your best rate in just a few minutes

How does Credit Score Impact Pure and Workmen's Auto Rates?

Often times, your credit score can come into play when carriers calculate your monthly bill. This isn't always the case (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it might come into play for a lot of policyholders.

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

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

Which Company is Best for Drivers with Good Credit?

Pure Workmen's Auto
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

Pure Workmen's Auto
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

Find your best rate in just a few minutes

Is Pure or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

Pure Workmen's Auto
6,000 Annual Miles$275$126
12,000 Annual Miles$387$175

The amount of time you spend behind the wheel of your car plays a big role in your monthly prices. Usually, those who drive less will end up with more affordable rates since there's less of a chance of getting into an accident and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Workmen's Auto tends to be the cheaper option. Pure's average premiums for drivers with 6,000 annual miles come in nearly $150 more expensive than Workmen's Auto. Those who drive 12,000 miles yearly can expect to pay over $200 more with Pure over Workmen's Auto.

Pure vs. Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a pretty big role in how much you pay for auto insurance. Generally, those who live in urban areas will pay more than policyholders in rural areas due to the number of vehicles that are on the roads in those areas.

Pure Workmen's Auto
Urban Areas$371$149
Suburban Areas$313$154
Rural Areas$308$149

Workmen's Auto boasts the lowest average prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save around $159 with Workmen's Auto compared to Pure. Drivers in suburban ZIP codes pay about $159 less with Workmen's Auto compared to Pure. In urban areas, Workmen's Auto Insurance's average premiums are around $222 less than PURE Insurance.

Pure vs. Workmen's Auto Discounts

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

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 can take advantage of.

In the table below, we've compared all of the different discounts offered by Pure and Workmen's Auto so that you can see which one can save you the most money each month.

Pure Workmen's Auto
ABS Discount 
Anti-Theft Discount 
Distant Student Discount 
Driver-Vehicle Combination Discount 
Good Driving Discount
Good Student Discount 
Mature Driver Discount
Multi-Car Discount 
Multi-Policy Discount 
Occasional Operator Discount 
Passive Restraint Discount 
Renewal Discount 

Pure blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 10 different discounts to Workmen's Auto's four.

There are a couple discounts both carriers offer, but Pure also offers ABS discounts, anti-theft discounts, distant student discounts, and more that Workmen's Auto does not.

On the flip side, Workmen's Auto has a couple unique discounts of its own -- driver-vehicle combination discounts and renewal discounts.

Find your best rate in just a few minutes

Final Thoughts: Is Pure or Workmen's Auto Best for You?

So, you've seen how different factors can affect your auto insurance prices. We've broken down the different discounts each company offers, too. But, at the end of the day, which insurance carrier is the best company for you, your vehicle, and your wallet?

Workmen's Auto might be best for you if....

  • Your driving record contains an at-fault accident.
  • Your neighborhood is in a city.
  • You don't spend much time in your car.

Pure might be best for you if...

  • You want to save extra money with discounts.

We hope this guide helps you get a better idea of the difference between Pure and Workmen's Auto and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Pure and Workmen's Auto. Luckily, sites like Compare.com do all the hard work for you. 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.

Find your best rate in just a few minutes

Pure vs. Workmen's Auto FAQs

Is Pure or Workmen's Auto cheaper?

Looking just at the national average rates, Workmen's Auto is the less expensive of the two companies, offering average rates of $151 a month compared to $331 for Pure. But Workmen's Auto won't necessarily be the most affordable company for everyone, since there are lots of different variables that come into play when it comes to your insurance bill.

Who is better, Pure or Workmen's Auto?

Unfortunately, the real answer is "it depends.". Neither carrier is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Pure and Workmen's Auto offer me different rates?

Auto insurance carriers take a look at quite a few different factors when calculating the premiums they charge drivers. Variables like where your home is, where you live, age, gender, and sometimes even things like your credit score can all come into play. Both Pure and Workmen's Auto use different formulas, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from many different companies.

How do I know if Pure or Workmen's Auto is right for me?

The only way to find the insurance carrier 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 free quotes from dozens of the best auto insurance companies in your area. With those, you can guarantee you're getting the best price. And who knows, the best company for you might not be Pure or Workmen's Auto at all!


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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes