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

Quick Facts

• In general, United Financial Casualty Company offers significantly cheaper prices than Vermont Mutual
• United Financial Casualty Company tends to be a much less expensive option for single people who will be the only person on the auto insurance policy
• Vermont Mutual has more affordable premiums for policyholders whose driving record contains an at-fault collision

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

Are you considering 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 United Financial Casualty Company or Vermont Mutual as potential options, but which carrier will save you the most?

As you can see, United Financial Casualty Company has average rates that are around 23% a month less expensive than those from Vermont Mutual when looking at the national average rates for car insurance.

However, that doesn't necessarily mean United Financial Casualty Company will be the cheaper option for every driver. Insurance carriers vary their prices depending on things like how old you are, how good your credit score is, where you live, how clean your driving record is, and a ton of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

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

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

United Financial Casualty Company and Vermont Mutual only compete against each other in one states, with United Financial Casualty Company offering more affordable prices to the average driver in all of them. Maine has the most noticable difference, where United Financial Casualty Company rates are $40 cheaper than car insurance premiums at Vermont Mutual.

But there's more to calculating auto insurance prices than just where you live. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. That's because teen 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 car insurance rates. As you can see above, teens who use United Financial Casualty Company save almost 4% per month compared to those who use Vermont Mutual.

That being said, both companies will offer you dramatically lower premiums by the time drivers turn 25. Vermont Mutual offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, United Financial Casualty Company still has the cheapest prices at $111 per month.

Which is the Best Company for Retired Drivers?

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

But who has the best prices for retired drivers between United Financial Casualty Company and Vermont Mutual? United Financial Casualty Company gets the edge, with premiums for drivers 65 and older over 25% less expensive than the national average for Vermont Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single drivers than they are for married drivers. That's because policies for married policyholders usually cover more than one vehicle, which several carriers will give you a discount for.

For those who are single, the difference in average prices between these two companies is significant, with United Financial Casualty Company rates coming in at a quarter less than Vermont Mutual's. The advantage is also clear for married couples - United Financial Casualty Company offers the cheapest average premiums.

United Financial Casualty Company or Vermont Mutual: Average Rates by Gender

Men are statistically more likely than women to get into collisions and get tickets, which means they'll normally end up paying more for auto insurance than women.

Men generally pay about $2 a month more than women with United Financial Casualty Company, and around $15 with Vermont Mutual.

Looking at overall affordability, United Financial Casualty Company comes out as the most affordable option for both genders. On average, male drivers save about $46 per month and women save about $34 with United Financial Casualty Company compared to the average Vermont Mutual policyholder.

United Financial Casualty Company vs. Vermont Mutual: 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, insurance isn't the easiest topic to understand. There are several different coverages that account for many 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.

The two most common policies end up falling into two different types of coverage -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, United Financial Casualty Company has the slight edge, with average monthly prices 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 around $187 a month to Vermont Mutual's $261.

Is United Financial Casualty Company or Vermont Mutual 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 at-fault collisions will most likely raise your rates, but is United Financial Casualty Company or Vermont Mutual more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use United Financial Casualty Company for their car insurance can normally expect their monthly bill to go up about 25% after getting a speeding ticket. Vermont Mutual policyholders can expect a less drastic increase of around 6%.

If you have gotten a ticket, Vermont Mutual tends to offer the best premiums at about 9% less expensive, while United Financial Casualty Company has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

United Financial Casualty Company drivers who get in a collision can expect to see their rates climb by $55, while those who have insurance through Vermont Mutual will see around a $25 increase.

At the end of the day, Vermont Mutual offers the lowest premiums for drivers with an at-fault accident on their records, with average prices coming in at $144 compared to United Financial Casualty Company's $158.

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 insurance bill -- typically a lot more than an accident or speeding ticket. On average, Vermont Mutual will climb your rates about 62% after a DUI, while United Financial Casualty Company's average prices rise by nearly 25%.

But if you end up with a DUI charge and are looking for more affordable premiums, United Financial Casualty Company tends to be more affordable for the average driver, with monthly premiums coming in at around $134 to Vermont Mutual's $307.

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

You may not realized it, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an auto insurance factor, but it will come into play for lots of policyholders.

Car insurance carriers 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 cheaper prices.

Looking at United Financial Casualty Company and Vermont Mutual specifically, which company has the most affordable rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, United Financial Casualty Company will usually reward you the most. For drivers with "excellent" credit scores, United Financial Casualty Company comes in NaN less expensive. Drivers with "good" credit scores normally save about 1% with United Financial Casualty Company compared to average premiums from Vermont Mutual.

Which Company is Best for Drivers with Bad Credit?

United Financial Casualty Company typically offers lower rates than Vermont Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay around 12% per month less with United Financial Casualty Company compared to Vermont Mutual, and those with "poor" scores typically save an average of about 41% monthly.

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

How much you drive can have a big impact on your monthly auto insurance cost. Usually, those who drive fewer miles will end up with cheaper prices since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Vermont Mutual charges. However, there's a small difference in monthly premiums for United Financial Casualty Company, with policyholders who drive the least paying around $4 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, United Financial Casualty Company is the more affordable carrier.

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

Where your home is can have a considerable impact on your monthly insurance bill. Generally, those who live in rural areas will pay less than policyholders in urban areas because of the small number of vehicles that are on the roads where they live.

United Financial Casualty Company tends to offer the cheapest rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, United Financial Casualty Company's average prices are about 30% less than Vermont Mutual. People who live in suburban areas pay around 21% less with United Financial Casualty Company compared to Vermont Mutual. Those in rural areas can expect to save about 18% with United Financial Casualty Company compared to Vermont Mutual.

United Financial Casualty Company vs. Vermont Mutual 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, and the best way to do that is by utilizing as many auto insurance discounts as possible.

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

Luckily, we did the hard work for you and compared all of the different discounts offered by United Financial Casualty Company and Vermont Mutual so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Overall, United Financial Casualty Company has the advantage when it comes to total number of discounts. Vermont Mutual offers a grand total of 14 discounts, while United Financial Casualty Company has 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, Vermont Mutual has a few proprietary discounts of their own for things like ABS discounts, advance quote discounts, annual mileage discounts, and more.

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

You've seen the role certain variables have on your car insurance and the different discounts carriers offer. But, when it comes down to it, which insurance company is the right one for you, your vehicle, and your wallet?

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

• Your credit score is high.
• You live in an urban area.
• You have a short commute.

Vermont Mutual might be best for you if...

• You have received a ticket within the last few years.
• You have an at-fault collision on your record.

Hopefully, this guide has ben a valuable resource as you compare United Financial Casualty Company and Vermont Mutual and that you can now make a more informed decision when it comes to your auto 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 insurance -- comparing quotes from several companies, not just United Financial Casualty Company and Vermont Mutual. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

United Financial Casualty Company vs. Vermont Mutual FAQs

Is United Financial Casualty Company or Vermont Mutual cheaper?

United Financial Casualty Company is the less expensive of the two companies when looking at national average rates, with policies averaging $133 a month with United Financial Casualty Company and $173 for Vermont Mutual. Even so, that doesn't mean United Financial Casualty Company will be the most affordable carrier for everyone, since there are a bunch of different factors that come into play when it comes to your insurance payment.

Who is better, United Financial Casualty Company or Vermont Mutual?

Unfortunately, the real answer is "it depends.". One company is not "better" for every policyholder -- it all boils down to your unique auto insurance profile. For example, United Financial Casualty Company is cheaper for drivers who have less-than-stellar credit scores, while Vermont Mutual offers more affordable premiums for policyholders with an at-fault accident on their record.

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

Insurance carriers use a lot of different variables when determining the prices they charge. Factors like gender, age, where you park your car, your driving record, and sometimes even things like your credit score can all come into play. Both United Financial Casualty Company and Vermont Mutual calculate rates using different variables, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of carriers 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 area information and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the lowest price. And maybe you'll find that the best carrier for you isn't United Financial Casualty Company or Vermont Mutual 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.