Choosing an auto insurance company can be difficult: rates can vary based on your driving history, location, and age, and insurers offer a variety of perks. Allstate and Allied are two of the nation's most popular insurance companies, providing affordable insurance policies across many states.
To help make insurance shopping seamless, we pulled average policy prices from Allied and Allstate. These take into consideration a number of rating factors, including credit rating, driving behavior, and age. Examine these figures and find an affordable policy today.
Seeking more info? Read our comprehensive reviews of Allstate and Allied.
If you have very poor credit, Allied could be a better option for you. Typically, Allied offers cheaper rates than Allstate for drivers with credit scores of less than 580. Insurance shoppers with extraordinary credit — a score of 800 or better — should consider Check out average insurance rates by credit tier for Allied and Allstate below.
| Credit level | Allstate avg. annual premium | Allied avg. annual premium |
| Very Poor (300-579) | $3,117 | $1,483 |
| Fair (580-669) | $2,162 | $1,097 |
| Good (670-739) | $2,021 | $1,104 |
| Very Good (740-799) | $1,820 | $920 |
| Exceptional (800-850) | $1,743 | $857 |
If you are carrying an at-fault collision, speeding ticket, reckless driving citation, or DUI on your driving résumé, Allied could be a better choice than Allstate. Each insurer prices policies differently after a violation, so always do your due diligence and compare quotes to understand which insurer suits you.
| Violation | Allstate avg. annual premium | Allied avg. annual premium |
| At-fault accident (damage < $1,000) | $3,006 | $1,662 |
| At-fault accident (damage > $1,000) | $2,290 | $1,221 |
| DUI/DWI | $3,637 | $2,708 |
| Reckless driving | $3,388 | $2,708 |
| Speeding ticket | $2,256 | $1,232 |
Insurers use a driver's age to outline risk potential, assigning rates accordingly. A car insurance policy is often expensive for teen drivers — due to their increased odds of being involved in an accident — and relatively affordable for drivers aged 25 or older. Since every insurance company evaluates ages uniquely, it's wise to compare rates and find a suitable policy.
As a general rule, teen drivers should choose Allied instead of Allstate: the former's average annual rates are $2,916 less than the latter's..
| Age | Allstate avg. annual premium | Allied avg. annual premium |
| Teens | $6,442 | $3,526 |
| 20s | $2,636 | $1,392 |
| 30s | $1,920 | $1,392 |
| 40s | $1,912 | $959 |
| 50s | $1,893 | $915 |
| 60s | $1,768 | $832 |
Aside from affordability, Allstate and Allied each carry pros and cons, including their discounts, perks, customer satisfaction ratings, and financial stability. Dive into the data before making your decision.
| Discount Comparison | Allstate | Allied |
|---|---|---|
| Good Student | ||
| Multiple Policies | ||
| Multiple Vehicles | ||
| Anti-Theft Device(s) | ||
| Anti-Lock Brake System | ||
| Air Bags | ||
| Good Driver | ||
| Defensive Driver | ||
| Student Away at School | ||
| Driver Training | ||
| Green Vehicles | ||
| Affinity Membership Alum | ||
| Advanced Purchase | ||
| Pay in Full | ||
| Home Owner | ||
| eSign or ePay | ||
| Telematics | ||
| New Vehicle | ||
| Annual Mileage | ||
| Military |
| Ratings Comparison | Allstate | Allied |
|---|---|---|
| Financial Strength | Excellent | Excellent |
| JD Power Rankings | Average | N/A |
| User Satisfaction | 4.3/5 | 4.3/5 |
| Other Products | Allstate | Allied |
|---|---|---|
| Boat Insurance | ||
| Condo Insurance | ||
| Life Insurance | ||
| Homeowners Insurance | ||
| Travel Trailer Insurance | ||
| Renters Insurance | ||
| RV Insurance | ||
| Motorcycle Insurance | ||
| Mobile Home Insurance |
| Other Features | Allstate | Allied |
|---|---|---|
| About | Insurance doesn’t have to be a compromise. With Allstate you can get the protection you need and the new low rates you want. See how much you can save today. | Allied Insurance, a Nationwide company, offers a variety of packages with customizable coverages, discounts, benefits and rewards to make sure your insurance is right for you. |
| Roadside Assistance | Allstate offers three types of roadside service to customers with and without an Allstate insurance plan. Annual roadside membership plans and pay-per-use plans are available, and if you have Allstate insurance, you can add roadside coverage to your policy. The pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $119 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). | Allied offers roadside assistance to you and your household members while they are driving and even while they are passengers in other vehicles. The roadside coverage offered by Allied includes towing up to 15 miles from the disablement, fuel delivery, lockout coverage, and jump starts. |
| Additional Discounts | Allstate offers additional discounts for utility vehicles, farm vehicles, seniors, and the newly retired. | Allied is a subsidiary of Nationwide Insurance and offers additional discounts for being previously insured with Farm Bureau and a policy feature to lock in your rates annually. |
| Recent Questions |
Can you make your child a permissive user in order to get a discount?
You are not required to make your son a permissive user, so that seems off. You may want to get in touch with Allstate's customer service or your agent.
Do I have to list my spouse as a driver?
You do have to list your spouse on the policy but many companies will allow you to exclude your spouse as a driver. Keep in mind that unless your spouse has a poor driving history, bad credit, or an expensive car, it's usually a sensible decision to add them since most insurance companies offer a discount on a joint policy.
Car insurance for elderly car owner who doesn't drive
There's a couple of ways to go about handling this. First, you need to be careful about your mother's registration.
Can a claim be denied if I have scheduled personal property coverage for a home where I'm no longer living?
The issue might be that the policy covering your wife's ring was intended to provide coverage for your primary residence. Most standard homeowners policies require that you actually live full-time in the house for which the policy applies.
See More Questions
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