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

Quick Facts

• Looking at the national averages for insurance, United Financial Casualty Company offers less expensive prices than State National
• State National tends to be a much more affordable option for policyholders whose driving record contains an at-fault collision
• United Financial Casualty Company may help you save more money -- they offer more discounts than State National

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

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

You've maybe even narrowed your search down to State National or United Financial Casualty Company as potential options, but which carrier will offer you cheaper rates?

Looking at the national average rates for both carriers, State National is around $26 more a month than United Financial Casualty Company.

However, that doesn't necessarily mean United Financial Casualty Company will be the more affordable option for each driver. After all, auto insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your driving record, your credit score, or even your age (among other things), so prices could differ drastically from person to person.

Wanting to know if State National or United Financial Casualty Company is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

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

State National and United Financial Casualty Company only compete against each other in California, where United Financial Casualty Company offers the cheaper average rates. United Financial Casualty Company drivers tend to pay about $33 per month less on average compared to drivers who use State National for their car insurance.

There's a lot more that goes into your insurance bill than just where you call home. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. It's typically because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of 3% less a month by choosing State National over United Financial Casualty Company.

Even so, with both carriers, you'll see your premiums reduce significantly by the time drivers turn 25. For example, average prices for State National policyholders decrease over 50% and United Financial Casualty Company's rates drop more than 65% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age usually enjoy some of the cheapest auto insurance prices you can find. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise premiums.

But who has the best rates for retired drivers between State National and United Financial Casualty Company? United Financial Casualty Company gets the edge here, with average premiums coming in at about $95 a month compared to State National's $118.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly less expensive insurance prices than those who are single. This usually boils down to married couples having multiple vehicles on their policy -- something many car insurance companies will reward with discounts.

For single drivers, the difference in average rates between these two carriers is significant, with United Financial Casualty Company premiums coming in at around 10% less than State National's. The advantage for married drivers with United Financial Casualty Company is also obvious, where drivers save about $35 per month.

State National or United Financial Casualty Company: Average Rates by Gender

Men generally pay more for auto insurance than women. That's because women are less likely to get speeding tickets and get into accidents, which lowers the chances of filing a claim with insurance.

Men and women end up paying the same monthly rates with State National, but with United Financial Casualty Company, the difference is closer to $2 a month.

Looking at overall affordability, United Financial Casualty Company comes out as the most affordable option for both genders, with average prices $25 less for men and $27 cheaper for women.

State National 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, car insurance can be pretty complicated. Everyone needs auto insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability).

When it comes to state minimum liability insurance, State National has the edge, while United Financial Casualty Company offers the cheapest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $0 with State National, while full coverage comes out to be around $55 cheaper with United Financial Casualty Company.

Is State National 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 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 accidents will most likely raise your rates, but is State National or United Financial Casualty Company less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

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

If you have gotten a ticket, United Financial Casualty Company tends to offer the best prices at about 4% more affordable, while State National has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

State National policyholders who get in an accident can expect to see their rates rise by just under 30%, while those who have insurance through United Financial Casualty Company will see around a 35% increase.

At the end of the day, drivers who use State National end up with the cheaper prices after an accident, with average prices coming in at $142 compared to United Financial Casualty Company's $158.

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 speeding ticket when it comes to your insurance bill. On average, State National will climb your premiums about 60% after a DUI, while United Financial Casualty Company's average prices increase by nearly 25%.

But if you end up with a DUI charge and are looking for more affordable rates, United Financial Casualty Company tends to be cheaper for the average driver, with monthly premiums coming in at around $134 to State National's $252.

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

Did you know many car insurance companies take into account your credit score when determining premiums? This isn't true for everyone (for example, Michigan and Hawaii are two states that ban the practice entirely), but it will come into play for a lot of drivers.

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

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

Which Company is Best for Drivers with Good Credit?

Generally, if you have fantastic credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will normally save United Financial Casualty Company customers about 15%. State National, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your premiums.

Which Company is Best for Drivers with Bad Credit?

If you have bad credit, it can cost you with United Financial Casualty Company. For drivers with less-than-stellar credit, at United Financial Casualty Company, you may pay around 15% per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. State National, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit could find better rates with State National over United Financial Casualty Company.

Is State National 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 prices. That's because the fewer miles you put on your car, 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 offers more affordable premiums than State National. State National average prices for drivers with 6,000 annual miles come in about $10 more expensive than United Financial Casualty Company. Those who drive 12,000 miles yearly can expect to pay around $43 more with State National over United Financial Casualty Company.

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

Where you call home can have a large impact on your monthly auto insurance cost. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because of the number of vehicles that are on the roads where they live.

United Financial Casualty Company boasts the most affordable average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save about 13% with United Financial Casualty Company compared to State National. People who live in suburban areas pay around 18% less with United Financial Casualty Company compared to State National. For drivers in urban ZIP codes, United Financial Casualty Company's average premiums are about 20% less than State National.

State National 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 auto insurance discounts comes into play.

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

Luckily, we did the hard work for you and looked at all of the different discounts State National and United Financial Casualty Company offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

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

A couple of those are overlapping for things like anti-theft discounts, distant student discounts, and discounts for being a good student. United Financial Casualty Company also offers discounts for continuous insurance, defensive driver, e-signature, and more.

On the other hand, State National has a few proprietary discounts of their own for things like auto-pilot discounts, group discounts, passive restraint discounts, and more.

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

So, we've broken down the average rates for many of the factors insurance companies look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which insurance company is the right company for you and your specific driver profile?

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

• You have less-than-stellar credit.
• You want the most robust protection via a "full coverage" policy.
• You don't spend much time in your car.

State National might be best for you if...

• Your driving record contains an at-fault collision.
• You're looking for the best premiums on liability only coverage.
• You want to save money while purchasing car insurance for a teenager.

Hopefully, this guide has ben a valuable resource as you compare State National and United Financial Casualty Company and that you can now make a more informed decision when it comes to your 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 multiple carriers, not just State National and United Financial Casualty Company. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

State National vs. United Financial Casualty Company FAQs

Is State National or United Financial Casualty Company cheaper?

United Financial Casualty Company is the less expensive of the two carriers when looking at national average prices, with policies averaging $133 a month with United Financial Casualty Company and $159 for State National. But that doesn't mean United Financial Casualty Company will be the cheapest carrier for everyone, since there are a variety of different variables that are considered when it comes to your auto insurance payment.

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

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for every policyholder -- it all depends on what your unique insurance profile looks like. For example, United Financial Casualty Company is cheaper for drivers who have less-than-stellar credit scores, while State National offers less expensive rates for policyholders with an at-fault accident on their record.

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

Car insurance companies use lots of different factors when calculating the prices they charge. Variables such as your driving record, age, where you park your car, gender, and sometimes even things like your credit score can all come into play. Both State National 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 lots of different carriers.

How do I know if State National 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 a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't State National 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.