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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 | Superior | Superior |
| JD Power Rankings | ||
| User Satisfaction | A+ | A+ |
| 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 | Allstate gives quality protection at a great price, complete with personal attention and service you need to choose coverage that makes the most sense for you. | 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 | Every Allstate customer has access to Allstate's 24/7 Roadside network with no annual fee. This pay-per-use coverage allows you to pay only for service when you need it (typically with a charge of $99 per tow and $84 for other services like tire changes, jump starts, fuel delivery and locksmith services). For prepaid options, you may choose Allstate Motor Club for full coverage or elect to add Towing & Labor Coverage to your auto policy. | 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. Can I still be on my parent's car insurance?Insurance is zip-code specific so your policy needs to be rated for the zip-code you're living in - so, basically, you would need to get your own insurance. If your parents own the vehicle and it is registered to them, they would be listed under an "additional interest" in the policy as they own the vehicle. An automated security gate hit my door, should I file a claim or get them to pay for the damages?It's unlikely to company will pay for damages to your vehicle because, as you stated, you misjudged where the gate would open to. In terms of filing a claim with your insurance company, I recommend getting an estimate first to see how much the damage will cost. See More Questions | Will my insurance company cover my vehicle if my cousin was driving my car? Insurance follows the vehicle, so if you have collision coverage on your vehicle then your insurance company should cover the damage. You will need to contact them to confirm and begin the claims process. If I claim my injuries after an accident, will that make my rates higher?Since North Carolina does not fall into the No Fault state category, filing an injury claim is less likely to impact your future rates but that's not exactly guaranteed. You can always shop for a new policy down the road if you do see an increase, but since you weren't actually injured you could always discuss the details with your insurance company and they can advise you of your options. Should I cancel my policy if I sold my vehicle and won't be getting another car for a month?<span data-sheets-value="{"1":2,"2":"Canceling your auto insurance when you sell a vehicle sounds like a good idea until you realize the potential pitfalls of doing so. While it may not make sense to maintain auto insurance when you no longer own a vehicle, consider the fact that you still have to have insurance to test drive a vehicle that you are thinking about purchasing. How much do car insurance rates go up after a DUI?<span data-sheets-value="{"1":2,"2":"Unfortunately there is no way to provide an accurate number or percentage due to the fact that there are so many variables when pricing insurance. One thing to keep in mind is that if he is already insured then the chance of his insurance company finding out about the violation are slim to none. See More Questions |
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