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

Quick Facts

• Based on national averages for car insurance, United Financial Casualty Company offers less expensive rates than State Farm
• State Farm offers more discounts than United Financial Casualty Company
• United Financial Casualty Company has cheaper premiums for drivers who have an at-fault accident on their record

State Farm vs. United Financial Casualty Company: 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 your search down to State Farm or United Financial Casualty Company for your next policy, but which one will save you the most?

As you can see, State Farm has average rates that are about 16% per month more expensive than those from United Financial Casualty Company when looking at the national average rates for insurance.

However, that doesn't necessarily mean United Financial Casualty Company will be the more affordable option for every single driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your age, where you call home, your driving record, or even your credit score (among other things). So, at the end of the day, rates from every carrier will differ quite a bit from person to person.

So, if you want to find out which of State Farm 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.

State Farm or United Financial Casualty Company: Average Car Insurance Rates by State

State Farm and United Financial Casualty Company only compete against each other in two states, with United Financial Casualty Company offering cheaper prices to the average driver in all of them. If you live in Maine, State Farm is the more affordable of the two carriers when looking at the overall average rates. United Financial Casualty Company is the less expensive option in California.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how insurance companies calculate your prices. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. That's usually because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high auto insurance premiums. As you can see above, teens who use United Financial Casualty Company save $25 a month compared to those who use State Farm. It's worth noting that State Farm offers car insurance in 51 different states compared to United Financial Casualty Company's two, which can skew the average prices a bit, but the difference here is still considerable.

But both carriers will lower rates by the time drivers turn 25. United Financial Casualty Company offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. State Farm's average premiums decrease nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest auto insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

So, which carrier offers the best premiums to retired drivers? United Financial Casualty Company gets the edge, with rates for drivers 65 and older almost 15% cheaper than the national average for State Farm.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are normally more expensive for single policyholders than they are for married couples? This usually boils down to married policyholders having several cars on their policy -- something quite a few insurance companies will reward with discounts.

When it comes to relationship status, United Financial Casualty Company is the clear winner for single drivers, with prices around $22 per month less expensive than State Farm, on average. The advantage for married drivers with United Financial Casualty Company is also obvious, where drivers save nearly $30 a month.

State Farm vs. United Financial Casualty Company: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents. That means when it comes to auto insurance men will generally end up paying a little more.

With State Farm, men normally pay about 7% more per month than women., while with United Financial Casualty Company, the difference is closer to 1% a month.

Looking at overall affordability, United Financial Casualty Company comes out as the most affordable option for both genders. On average, women save about $20 per month and men save around $30 with United Financial Casualty Company compared to the average State Farm policyholder.

State Farm or 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.

It's no secret that insurance can be pretty complicated. There are lots of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside what you get with a liability policy).

If you're looking for state minimum liability limits, United Financial Casualty Company typically offers more affordable premiums of $79 compared to State Farm's $99. When it comes to full coverage policies with similar limits, United Financial Casualty Company again has the edge, with policies about $30 a month less expensive than State Farm, on average.

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

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

Tickets and at-fault accidents will most likely raise your prices, but is State Farm or United Financial Casualty Company cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

State Farm policyholders can expect their rates to go up an average of $21 per month if they get a ticket, while United Financial Casualty Company usually raises prices around $34 a month, on average.

That being said, United Financial Casualty Company is generally the more affordable option for drivers both with a speeding ticket and with a clean record, offering rates that are $31 and $18 cheaper, respectively, compared to State Farm.

Which Company is Best for Drivers After an Accident?

State Farm drivers who get in an accident can expect to see their premiums climb by just under 20%, while those who have insurance through United Financial Casualty Company will see about a 35% increase.

Overall, drivers who use United Financial Casualty Company end up with the cheaper prices after an accident, with monthly rates averaging $158 compared to State Farm's $163.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. State Farm drivers usually see a 25% increase in their auto insurance prices after a DUI charge, while United Financial Casualty Company will normally raise premiums by around 23%.

United Financial Casualty Company has the overall lowest prices for drivers with a DUI on their records at $134 per month, but it's worth noting that State Farm's average rates come from 51 states compared to just two for United Financial Casualty Company, so the data may be skewed slightly.

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

You may not realized it, but your credit score can be used as one of the factors to determine your monthly car insurance rates. Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for a lot of policyholders.

The reasoning insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will typically be forced to pay more.

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

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with State Farm. Drivers with "excellent" credit can save just under 25% compared to United Financial Casualty Company, and those with "good" scores can also expect to see savings -- about $15 or 13% less expensive each month.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower premiums than State Farm when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay around $6 per month less with United Financial Casualty Company compared to State Farm, and those with "poor" scores usually save an average of about $128 a month.

Is State Farm or United Financial Casualty Company Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly rates. Normally, the more miles you drive, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles annually, as well as those who average twice that figure, United Financial Casualty Company offers more affordable prices than State Farm. State Farm's average rates for drivers with 6,000 annual miles come in around 13% more expensive than United Financial Casualty Company. Those who drive 12,000 miles every year can expect to pay about 18% more with State Farm over United Financial Casualty Company.

State Farm vs. United Financial Casualty Company: 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 auto insurance, but the type of area you live in can have a pretty big impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

United Financial Casualty Company tends to offer the lowest rates 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 offers premiums around $139 monthly compared to State Farm's $185. People who live in suburban ZIP codes can expect to pay about $134 a month for United Financial Casualty Company and $161 for State Farm. Lastly, those in rural areas tend to get the most affordable rates from both carriers, with average monthly premiums coming in at $125 and $127 for United Financial Casualty Company and State Farm respectively.

State Farm vs. United Financial Casualty Company 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, and the best way to do that is by utilizing as many insurance discounts as you can.

But with what seems like a million different discounts out there, it can be hard to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the table below, we've broken down all of the different discounts offered by both State Farm and United Financial Casualty Company so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, State Farm comes out ahead with 23 discounts to United Financial Casualty Company's 18.

There are a couple discounts both companies offer, but State Farm also offers ABS discounts, annual mileage discounts, drive safe & save discounts, and more that United Financial Casualty Company does not.

On the flip side, United Financial Casualty Company has a couple unique discounts of its own -- continuous insurance discounts, e-signature discounts, EFT discounts, and more.

Final Thoughts: Is State Farm 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 carrier is the best carrier for you and your specific driver profile?

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

• You haven't received any speeding tickets or been in an accident in the last few years.
• You're looking for more protection with "full coverage" insurance.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

State Farm might be best for you if...

• You value the experience that comes with a large national insurance company.
• Your credit score is high.
• You care about discounts (State Farm offers the most).

We hope this guide has ben a valuable resource as you compare State Farm and United Financial Casualty Company and that you can now make a more informed 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 auto insurance -- comparing quotes from several companies, not just State Farm 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 multiple quotes from some of the best car insurance carriers in your area, all for free.

State Farm vs. United Financial Casualty Company FAQs

Is State Farm or United Financial Casualty Company cheaper?

Looking just at the national average prices, United Financial Casualty Company is the cheaper of the two companies, offering average rates of $133 per month compared to $158 for State Farm. But United Financial Casualty Company won't necessarily be the lowest carrier for everyone, since there are several different factors that come into play when it comes to your insurance cost.

Who is better, State Farm or United Financial Casualty Company?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for each driver -- it all depends on what your unique auto insurance profile looks like. For example, United Financial Casualty Company offers more affordable rates for drivers with a recent DUI, while State Farm is less expensive for drivers with excellent credit.

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

Insurance carriers take a look at lots of different variables when calculating the prices they charge drivers. Factors like age, where you live, gender, your driving record, and sometimes even things like your credit score can all be used. Both State Farm and United Financial Casualty Company calculate premiums differently, so each one will most likely offer different prices. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the car 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 ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best rate. And who knows, the best carrier for you might not be State Farm or United Financial Casualty Company 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.