AAA vs. Redpoint County Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Redpoint County Mutual offers significantly more affordable rates than AAA
• AAA may help you save more money -- they offer more discounts than Redpoint County Mutual
• Redpoint County Mutual offers cheaper average prices for drivers who have a speeding ticket on their driving record

AAA or Redpoint County Mutual: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? After all, you've seen ads from all sorts of companies offering big savings. But exactly how much can you save by switching?

You might have narrowed your search down to AAA or Redpoint County Mutual as potential options, but which carrier will offer you less expensive rates?

Looking at nationwide averages, AAA has average rates that are around 40% a month more expensive than those from Redpoint County Mutual.

Even so, that doesn't necessarily mean Redpoint County Mutual will be the cheaper option for every single driver. Insurance carriers use a ton of complex algorithms to determine prices, so depending on how clean your driving record is or how good your credit score is (among several other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average prices from both AAA and Redpoint County Mutual by multiple different rate factors, so read on to find out which carrier is the best for you.

AAA vs. Redpoint County Mutual: Average Car Insurance Rates by State

AAA and Redpoint County Mutual only compete against each other in Texas, where AAA offers the cheaper average premiums. AAA drivers tend to pay about $17 per month less on average compared to drivers who use Redpoint County Mutual for their auto insurance.

That being said, there's a lot more that goes into your car insurance payment than just where you call home. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for auto insurance than any group out there on the road. Usually, 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 teen drivers can't still save money on their insurance. As you can see above, teens who use Redpoint County Mutual save almost 40% a month compared to those who use AAA.

However, both companies will offer you dramatically lower rates once you turn 25. For example, average premiums for AAA policyholders drop nearly 60% and Redpoint County Mutual's prices reduce almost 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable rates you can find.

So, which company offers the best premiums to retired drivers? Redpoint County Mutual gets the edge, with rates for drivers 65 and older $88 less expensive than the national average for AAA.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are typically more affordable for married drivers than they are for single drivers? That's generally because married couples tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average rates between these two carriers is significant, with Redpoint County Mutual prices coming in at a third less than AAA's. The advantage is also clear for married policyholders - Redpoint County Mutual offers the cheapest average premiums.

AAA or Redpoint County Mutual: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim, which means they'll usually end up paying more for car insurance than women.

Men normally pay about $35 per month more than women with AAA, but with Redpoint County Mutual, the difference is closer to $18 a month.

Looking at the data for each carrier specifically, Redpoint County Mutual comes out on top for both men and women, with average rates $126 less for men and $110 cheaper for women.

AAA vs. Redpoint County 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.

It's no secret that insurance can be a complicated subject for most people. There are a variety of different coverages that account for a bunch of 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.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Redpoint County Mutual has the significant edge, with average monthly prices coming in at $115. If you want a full coverage policy with the same state minimum limits, Redpoint County Mutual again has the edge, with policies averaging around $277 per month to AAA's $459.

Is AAA or Redpoint County Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

It's no secret secret that speeding tickets and accidents lead to higher premiums, but which company -- AAA or Redpoint County Mutual -- has the lowest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders with Redpoint County Mutual insurance policies don't report seeing their premiums increase after getting a ticket, but AAA policyholders can expect to see their monthly bill increase by about $85.

But Redpoint County Mutual has less expensive rates for drivers in both categories, offering premiums that are 35% and 54% more affordable, respectively, compared to AAA Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through AAA can expect to see around an $126 -- or about 37% -- rise in their car insurance rates. Drivers who use Redpoint County Mutual for their insurance will see a monthly bill around $67 (or 33%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, drivers who use Redpoint County Mutual end up with the cheaper prices after an accident, with average prices coming in at $206 compared to AAA Insurance's $339.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. For example, AAA increases average rates by nearly $200 a month -- that's more than a 45% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Redpoint County Mutual tends to be cheaper for the average driver, with monthly premiums coming in at about $301 to AAA's $403.

How does Credit Score Impact AAA and Redpoint County Mutual Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't true for everyone (for example, California and Hawaii are two states that ban the practice entirely), but it might come into play for many drivers.

Auto 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, policyholders with good credit will often be rewarded with more affordable prices.

So, which company offers the best premiums for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, Redpoint County Mutual will generally reward you the most. For policyholders with "excellent" credit scores, Redpoint County Mutual comes in over 15.14 less expensive. Drivers with "good" credit scores typically save around 28% with Redpoint County Mutual compared to average rates from AAA.

Which Company is Best for Drivers with Bad Credit?

Redpoint County Mutual typically offers lower prices than AAA when it comes to drivers with bad credit. Drivers with "fair" credit pay about 33% per month less with Redpoint County Mutual compared to AAA, and those with "poor" scores usually save an average of around 55% a month.

Is AAA or Redpoint County Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly rates. Generally, those who drive less will end up with cheaper prices since there's less of a chance of causing an accident 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 Redpoint County Mutual charges. However, there's a small difference in monthly premiums for AAA, with policyholders who drive 6,000 miles every year paying about $13 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Redpoint County Mutual is the more affordable carrier.

AAA or Redpoint County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a big impact on your monthly car insurance bill. Normally, those who live in rural areas will pay less than drivers in urban areas since there are a lot fewer vehicles on the roads where they live.

Redpoint County Mutual tends to offer the cheapest prices 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 32% with Redpoint County Mutual compared to AAA. People who live in suburban areas pay about 41% less with Redpoint County Mutual compared to AAA. For policyholders in urban ZIP codes, Redpoint County Mutual's average premiums are around 38% less than AAA Insurance.

AAA vs. Redpoint County Mutual Discounts

You want to save as much money as you can, right? The best way to do that is by taking advantage of as many auto insurance discounts as possible.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

Luckily, we did the hard work for you and compared all of the different discounts offered by AAA and Redpoint County Mutual so that you can find the company that has the most discounts and, therefore, the largest savings.

AAA knocks Redpoint County Mutual out of the park when it comes to the sheer number of discounts available, offering 33 different discounts to Redpoint County Mutual's three.

Both companies offer a lot of the same discounts -- like discounts for being a good driver, group discounts, and passive restraint discounts -- but AAA also offers discounts for AAA, academic, advance quote, and more.

Redpoint County Mutual's discounts come through just three categories -- Good Driving, Group Discount, and Passive Restraint.

Final Thoughts: Is AAA or Redpoint County Mutual Best for You?

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each carrier offers, too. But, at the end of the day, is AAA or Redpoint County Mutual the best one for you, your vehicle, and your wallet?

Redpoint County Mutual might be best for you if....

• Your driving record contains an at-fault accident.
• Your credit score is high.
• You want to save money while purchasing insurance for a teenager.

AAA might be best for you if...

• You're looking for the company with the most discounts.

Hopefully, this guide has ben a valuable resource as you compare AAA and Redpoint County Mutual and that it aids in making a more informed decision about your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of carriers, not just AAA and Redpoint County Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

AAA vs. Redpoint County Mutual FAQs

Is AAA or Redpoint County Mutual cheaper?

Redpoint County Mutual is the cheaper of the two carriers when looking at national average premiums, with policies averaging $196 a month with Redpoint County Mutual and $314 for AAA. However, that doesn't mean Redpoint County Mutual will be the most affordable carrier for everyone, since there are lots of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, AAA or Redpoint County Mutual?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do AAA and Redpoint County Mutual offer me different rates?

Car insurance companies use quite a few different factors when determining the prices they charge. Variables like gender, your driving record, age, where you park your car, and sometimes even things like your credit score can all be used. Both AAA and Redpoint County Mutual use different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if AAA or Redpoint County Mutual is right for me?

The only way to find the insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get quotes from dozens of your local top car insurance carriers for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best carrier for you isn't AAA or Redpoint County 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.