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

Quick Facts

• Based on national averages for auto insurance, United Financial Casualty Company offers cheaper rates than Workmen's Auto
• United Financial Casualty Company offers less expensive average premiums for single people who will be the only person on the insurance policy
• Workmen's Auto offers more affordable prices for policyholders who drive fewer than 6,000 miles annually

United Financial Casualty Company or Workmen's Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to United Financial Casualty Company or Workmen's Auto for your next policy, but which company has more affordable rates for car insurance?

Looking at nationwide averages, Workmen's Auto is around $18 more a month than United Financial Casualty Company.

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

Luckily, we've broken down average prices from both United Financial Casualty Company and Workmen's Auto by several different rate factors, so read on to find out which company is the best for you.

United Financial Casualty Company vs. Workmen's Auto: Average Car Insurance Rates by State

United Financial Casualty Company and Workmen's Auto only compete against each other in California, where United Financial Casualty Company offers the cheaper average premiums. United Financial Casualty Company drivers tend to pay about $25 per month less on average compared to drivers who use Workmen's Auto for their car insurance.

That being said, there's a lot more that goes into your insurance cost than just where you live. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group out there on the road. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of 2% less a month by choosing Workmen's Auto over United Financial Casualty Company.

However, with both companies, you'll see your premiums lower significantly by the time drivers turn 25. For example, average prices for United Financial Casualty Company policyholders decrease over 65% and Workmen's Auto's rates reduce almost 60% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at United Financial Casualty Company and Workmen's Auto specifically, which carrier is best for retired drivers? United Financial Casualty Company gets the edge, with prices for drivers 65 and older nearly 25% more affordable than the national average for Workmen's Auto.

Which is the Best Company for Married Drivers?

Did you know that insurance premiums are typically more expensive for single policyholders than they are for married policyholders? That's because policies for married drivers normally cover multiple vehicles, which lots of carriers will give you a discount for.

For single drivers, the difference in average rates between these two companies is not very significant, with United Financial Casualty Company prices coming in at about 10% less than Workmen's Auto's. But for married couples, the advantage is clear - United Financial Casualty Company has the edge when it comes to average premiums.

United Financial Casualty Company or Workmen's Auto: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll usually end up paying more for car insurance than women.

With United Financial Casualty Company, men generally pay around 1% more per month than women.; and with Workmen's Auto, everyone ends up paying the same monthly rates regardless of gender.

Looking at overall affordability, United Financial Casualty Company comes out as the cheapest option for both genders. On average, women save about $19 a month and men save about $17 with United Financial Casualty Company compared to the average Workmen's Auto policyholder.

United Financial Casualty Company vs. Workmen's Auto: 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 multiple different coverages that account for a variety of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

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

When it comes to state minimum liability limits, Workmen's Auto has the edge, while United Financial Casualty Company offers the lowest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $10 with Workmen's Auto Insurance, while full coverage comes out to be around $50 less expensive with United Financial Casualty Company.

Is United Financial Casualty Company or Workmen's Auto 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.

You'll probably end up paying more with speeding tickets and at-fault accidents on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use United Financial Casualty Company for their insurance can typically expect their monthly bill to go up about 25% after getting a speeding ticket. Workmen's Auto policyholders can expect a less drastic increase of around 23%.

But United Financial Casualty Company is normally the cheaper option for both drivers who have clean records and those with a recent ticket -- their rates are around 7% less expensive for drivers with clean records and 6% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through United Financial Casualty Company can expect to see about an $55 -- or around 35% -- rise in their car insurance rates. Drivers who use Workmen's Auto for their insurance will see a monthly bill about $45 (or 29%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, Workmen's Auto offers the most affordable premiums for drivers with an at-fault collision on their records, with average rates coming in at $156 compared to United Financial Casualty Company's $158.

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 speeding ticket or even a collision. On average, Workmen's Auto will raise your prices around 42% after a DUI, while United Financial Casualty Company's average premiums climb 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 less expensive for the average driver, with monthly premiums coming in at about $134 to Workmen's Auto's $191.

How does Credit Score Impact United Financial Casualty Company and Workmen's Auto Rates?

You may not have known, but your credit score can be used as one of the factors to determine 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 might come into play for a lot of policyholders.

Auto insurance companies 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 carrier offers the lowest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Usually, if you have fantastic credit, you can expect to be rewarded. Improving your "good" credit score to an "excellent" one will generally save United Financial Casualty Company customers around $15. Because Workmen's Auto, doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit can cost you with United Financial Casualty Company. As you can see, United Financial Casualty Company customers with poor credit scores pay about $30 per month more than those with fair scores (and even more compared to drivers with good or excellent scores). On the other hand, because Workmen's Auto doesn't have data available for credit scores, they might have better rates for drivers with bad credit over United Financial Casualty Company.

Is United Financial Casualty Company or Workmen's Auto 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 big impact on how much insurance carriers will charge for coverage? That's because the more milage you put on your car, the more likely you are to be in an accident and file an insurance claim.

Looking specifically at Workmen's Auto and United Financial Casualty Company, United Financial Casualty Company is the more affordable option for people with short commutes, while United Financial Casualty Company has better prices for those who work from home. United Financial Casualty Company's average rates for drivers with 6,000 annual miles come in around 4% more expensive than Workmen's Auto. Those who drive 12,000 miles yearly can expect to pay about 23% more with Workmen's Auto over United Financial Casualty Company.

United Financial Casualty Company or Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a pretty big role in how much you pay for car insurance. Typically, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads where they live.

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

Those in rural areas can expect to save around $24 with United Financial Casualty Company compared to Workmen's Auto. People who live in suburban areas pay about $20 less with United Financial Casualty Company compared to Workmen's Auto. For policyholders in urban ZIP codes, United Financial Casualty Company's average prices are around $10 less than Workmen's Auto Insurance.

United Financial Casualty Company vs. Workmen's Auto Discounts

No matter 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 you can. That's where car insurance discounts comes into play.

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 Workmen's Auto so that you can find the one that has the most discounts and, therefore, the largest savings.

United Financial Casualty Company knocks Workmen's Auto out of the park when it comes to the sheer number of discounts available, offering 14 more discounts than Workmen's Auto.

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

On the other hand, Workmen's Auto has a few proprietary discounts of their own like driver-vehicle combination discounts and renewal discounts.

Final Thoughts: Is United Financial Casualty Company or Workmen's Auto Best for You?

You've seen the role certain variables have on your insurance and the different discounts carriers offer. That's all well and good, but at the end of the day, which company is the best carrier for you, your vehicle, and your wallet?

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

• You have a clean driving record, free of collisions, tickets, or DUIs.
• You want the most robust protection via a "full coverage" policy.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

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

• You're looking for the best rates on liability only coverage.
• You want to save money while purchasing car insurance for a teenager.
• You've started working from home and don't have much of a commute.

Hopefully, this guide helps you get a good idea of the differences between United Financial Casualty Company and Workmen's Auto. We also hope we've given you the information you need to make the best decision when it comes to 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 a handful of companies, not just United Financial Casualty Company and Workmen's Auto. 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.

United Financial Casualty Company vs. Workmen's Auto FAQs

Is United Financial Casualty Company or Workmen's Auto cheaper?

United Financial Casualty Company is the cheaper of the two companies when looking at national average premiums, with policies averaging $133 a month with United Financial Casualty Company and $151 for Workmen's Auto. Even so, that doesn't mean United Financial Casualty Company will be the lowest carrier for everyone, since there are lots of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, United Financial Casualty Company or Workmen's Auto?

Unfortunately, the real answer is "it depends.". Neither company is necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile. For example, United Financial Casualty Company is less expensive for drivers who have less-than-stellar credit scores, while Workmen's Auto offers more affordable rates for drivers with an at-fault accident on their record.

Why do United Financial Casualty Company and Workmen's Auto offer me different rates?

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

How do I know if United Financial Casualty Company or Workmen's Auto 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, 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 best rate. And maybe you'll find that the best carrier for you isn't United Financial Casualty Company or Workmen's Auto 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.