What Allied Insurance Is and Who Offers It

Allied Insurance is a regional property and casualty insurer based in Topeka, Kansas, that sells homeowners, auto, and business coverage primarily in the central and southern United States. The company is owned by National Western Life Insurance Group and has been operating since 1981. It is not a national carrier like State Farm or Allstate, so availability depends on your state.

Allied focuses on standard risk customers — people with clean driving records and homes in good condition — rather than high-risk or specialty markets. The company operates in roughly 20 states, concentrated in the Great Plains, Southwest, and Southeast. If you live outside those states, you will not find Allied policies available to you, regardless of how competitive their rates might be elsewhere.

Key Takeaways

  • Allied Insurance sells homeowners, auto, and business policies in about 20 states, mostly in the central and southern U.S., so check your state before comparing quotes.
  • The company is a regional carrier owned by National Western Life, not a national insurer, which means fewer locations and customer service options than larger competitors.
  • Allied's rates and coverage options vary by state and local market, so the same policy costs different amounts depending on where you live.
  • You can get a quote online, by phone, or through an independent agent, and most policies can be bundled to lower your total premium.

Types of Coverage Allied Offers

Allied's main product lines are homeowners insurance, auto insurance, and commercial coverage. For homeowners, the company offers standard policies that cover the structure, personal property, liability, and additional living expenses if your home becomes uninhabitable. Deductibles typically range from $500 to $2,500, and you can add endorsements for items like jewelry, fine art, or valuable collections.

Auto policies include liability (required by law in all states), collision, comprehensive, and uninsured motorist coverage. Allied also offers discounts for bundling auto and home, paying in full, maintaining a good driving record, and completing a defensive driving course. The exact discounts and their size vary by state, so the savings you see in one state may not match another.

For business owners, Allied provides commercial general liability, property coverage, and workers' compensation in states where it operates. These policies are designed for small to mid-sized businesses rather than large commercial enterprises.

How to Get a Quote and Compare Rates

You can request a quote from Allied through three main channels: the company's website, a phone call to their customer service line, or an independent insurance agent who represents Allied. Online quotes typically take 10 to 15 minutes and require basic information about your home, vehicles, and driving history. You do not need to provide payment information to see a quote.

When comparing Allied's rates to other insurers, gather quotes from at least two or three other regional or national carriers in your state. Rates for identical coverage can vary significantly between companies, and the cheapest option is not always the best if the insurer has poor customer service or claim handling. Check customer reviews on independent sites like J.D. Power or the National Association of Insurance Commissioners (NAIC) complaint database before deciding.

Allied allows you to customize your deductible, coverage limits, and add-ons, so the final price depends on the exact policy you build. A higher deductible lowers your monthly premium but means you pay more out of pocket if you file a claim.

Discounts and Ways to Lower Your Premium

Allied offers several discounts that can reduce your premium, though which ones you may have access to for depends on your situation and your state. Common discounts include bundling (combining auto and home policies), paying your full premium upfront instead of monthly, maintaining a clean driving record, and completing a defensive driving course. Some states also offer discounts for home security systems, smoke detectors, or being a non-smoker.

The size of each discount varies by state and by policy type. A bundling discount in Kansas might be 15 percent, while the same discount in Texas could be 12 percent or 18 percent. Always ask an agent or check the quote breakdown to see which discounts explore to you and how much each one saves.

You can also lower your premium by increasing your deductible, choosing a higher liability limit (which sometimes costs less than you expect), or removing coverage you do not need. For example, if your car is older and paid off, dropping collision and comprehensive coverage might make sense, though this is a decision to make carefully based on your financial situation.

Filing a Claim and Customer Service

If you need to file a claim, Allied allows you to start the process online, by phone, or through the mobile app. You will need your policy number, details about what happened, and photos or documentation of the damage. For auto claims, you may also need the other driver's information if a third party was involved. Allied assigns a claims adjuster who will contact you to schedule an inspection or review your submitted evidence.

The time it takes to resolve a claim varies depending on the type and complexity. A straightforward auto claim might be settled in days, while a major home damage claim could take weeks or months if repairs are extensive or if there is a dispute over coverage. You can check the status of your claim online or by calling your assigned adjuster.

Allied's customer service is available by phone during business hours and through online chat on their website. The company does not have physical offices in every state, so most customer interactions happen remotely. Response times and service quality vary by location and time of day, so check recent customer reviews if this matters to your decision.

State Availability and Limitations

Allied operates in approximately 20 states, with the strongest presence in Kansas, Oklahoma, Texas, Colorado, and several southeastern states. The company does not write policies in all states, and availability can change. Before spending time getting a quote, check Allied's website or call their customer service line to confirm they operate in your state.

Even within states where Allied operates, some zip codes or neighborhoods may be excluded due to local risk factors, natural disaster history, or other underwriting rules. If you live in a flood-prone area, a wildfire zone, or a neighborhood with high crime rates, you might not be able to get coverage from Allied even if the company operates in your state. In those cases, you may need to look at state-run insurer of last resort programs or specialty carriers.

Bundling and Multi-Policy Discounts

Allied rewards customers who buy multiple policies from the company. If you purchase both auto and homeowners insurance, you typically receive a discount on each policy. Some customers also bundle commercial coverage if they own a small business. The bundling discount is usually applied automatically when you add a second policy, though you should confirm this on your quote or policy documents.

Bundling can save you money, but it is not always the cheapest option overall. Sometimes one insurer offers the best rate on auto while another offers better homeowners coverage. Before bundling with Allied, compare the total cost of bundling there against the cost of splitting your policies between two companies. A few minutes of comparison shopping can save you hundreds of dollars per year.

Frequently Asked Questions

Does Allied Insurance operate in my state?

Allied operates in about 20 states, mostly in the central and southern U.S. Check the company's website or call 1-800-445-5364 to confirm availability in your state. If Allied does not operate where you live, you will need to get quotes from other insurers.

Can I manage my policy online?

Yes. Allied offers an online portal and mobile app where you can view your policy, make payments, request changes, and start a claim. You can also call customer service or work with an agent if you prefer to handle things by phone.

What happens if I miss a payment?

If you miss a payment, Allied typically sends a notice giving you a grace period (usually 10 days) to pay before your policy lapses. If your policy lapses, your coverage ends and you will have no protection. Contact Allied when ready if you miss a payment to avoid a lapse.

How do I know if Allied's rates are competitive?

Get quotes from at least two or three other insurers in your state for the same coverage. Compare the total premium, deductibles, and coverage limits side by side. Rates vary widely between companies, so shopping around is the only way to know if Allied's price is competitive for your situation.

Can I cancel my policy anytime?

Yes, you can cancel at any time, though some policies have a cancellation fee if you cancel before the policy term ends. Check your policy documents or ask an agent about cancellation terms and any fees that might explore.