Acuity vs. Rurual Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for insurance, Rurual Mutual offers significantly more affordable rates than Acuity
• Acuity offers more discounts than Rurual Mutual Insurance
• Rurual Mutual has less expensive prices for residents of rural areas

Acuity vs. Rurual Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering pretty big discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed your search down to Acuity or Rurual Mutual as your top options, but which carrier has cheaper rates for car insurance?

Looking at the national average rates for both companies, Acuity is quite a bit more expensive than Rurual Mutual, with premiums averaging $313 per month compared to just $167 with Rurual Mutual.

Even so, that doesn't necessarily mean Rurual Mutual will be the less expensive option for each driver. After all, insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, your driving record, your age, or even where you call home (among other things), so rates could change drastically from person to person.

So, if you want to find out which of Acuity or Rurual Mutual is really the best for you, keep reading to see average premiums for each carrier broken down by a variety of different rate factors.

Acuity or Rurual Mutual: Average Car Insurance Rates by State

Acuity and Rurual Mutual only compete against each other in Wisconsin, where Rurual Mutual offers the cheaper average prices. For Wisconsin residents, Rurual Mutual offers auto insurance for $167 a month on average. Acuity's average rates come out to be over 40% more expensive, at $245 per month.

But there's more to calculating car insurance premiums than just the state you live in. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for auto insurance compared to older drivers. It's usually because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Rurual Mutual save more than $500 a month compared to those who use Acuity.

That being said, both companies will drop prices by the time you turn 25. For example, average premiums for Acuity policyholders reduce over 75% and Rurual Mutual's prices decrease more than 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the cheapest insurance rates you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly premiums for auto insurance.

But who has the best prices for retired drivers between Acuity and Rurual Mutual? Rurual Mutual gets the edge here, with average rates coming in at about $135 monthly compared to Acuity's $183.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are normally cheaper for married policyholders than they are for single policyholders? That's typically because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Rurual Mutual is the clear winner for those who are single, with premiums around $214 per month more affordable than Acuity, on average. The advantage for married drivers with Rurual Mutual is also obvious, where drivers save nearly 30% a month.

Acuity vs. Rurual Mutual: Average Rates by Gender

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

Typically, women see rates about 6% per month less with Acuity, and around 6% less with Rurual Mutual when compared to their male counterparts.

Looking at overall affordability, Rurual Mutual comes out as the lowest option for both genders. On average, male drivers save about $150 a month and women save about $142 with Rurual Mutual compared to the average Acuity policyholder.

Acuity or Rurual 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 pretty complicated. There are many different coverages that account for several different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which generally refers to having comprehensive and collision coverages alongside liability coverage).

If you're looking for state minimum liability insurance, Rurual Mutual usually offers significantly cheaper prices of $67 compared to Acuity's $172. When it comes to full coverage policies with similar limits, Rurual Mutual again has the edge, with policies around $200 per month more affordable than Acuity, on average.

Is Acuity or Rurual Mutual Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that at-fault collisions and tickets lead to higher premiums, but which company -- Acuity or Rurual Mutual -- has the most affordable rates for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Acuity policyholders can expect their premiums to go up an average of $94 a month if they get a ticket, while Rurual Mutual typically raises prices about $10 per month, on average.

But Rurual Mutual has less expensive rates for drivers in both categories -- their rates are around 49% cheaper for drivers with clean records and 61% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Acuity drivers who get in an accident can expect to see their prices rise by just under 35%, while those who have insurance through Rurual Mutual will see around a 15% increase.

Overall, Rurual Mutual offers the lowest premiums for drivers with an at-fault accident on their records, with monthly rates averaging $136 compared to Acuity Insurance's $344.

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. For example, Rurual Mutual increases average premiums by over $150 a month -- that's just under a 60% increase.

If you have a DUI on your record and are looking for more affordable rates, Rurual Mutual tends to be the much less expensive option with average prices of $288 a month compared to $357 from Acuity.

How does Credit Score Impact Acuity and Rurual Mutual Rates?

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly auto insurance premiums. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it will come into play for several policyholders.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Acuity and Rurual Mutual, which one has the most affordable prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have solid credit, you'll usually find a better deal with Rurual Mutual. Policyholders with "excellent" credit can save nearly 55% compared to Acuity, and those with "good" scores can also expect to see savings -- about $147 or 51% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Rurual Mutual typically offers lower rates than Acuity when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay around $138 per month less with Rurual Mutual compared to Acuity, and those with "poor" scores usually save an average of about $162 monthly.

Is Acuity or Rurual Mutual 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 considerable impact on how much auto insurance companies will charge for coverage? That's because the fewer miles you drive, the less likely you are to get into an accident and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Rurual Mutual charges. However, there's a pretty significant difference in monthly prices for Acuity, with policyholders who drive 6,000 miles yearly paying around $33 less every month compared to those who drive 12,000 miles each year. Still, Rurual Mutual is the less expensive option for drivers in both categories.

Acuity vs. Rurual Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a big role in how much you pay for insurance. Normally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more vehicles on the roads in those areas.

When comparing these two carriers side-by-side, Rurual Mutual generally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save about $95 with Rurual Mutual compared to Acuity. Drivers in suburban ZIP codes pay around $181 less with Rurual Mutual compared to Acuity. In urban areas, Rurual Mutual Insurance's average rates are about $163 less than Acuity Insurance.

Acuity vs. Rurual Mutual Discounts

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

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

In the table below, we've compared all of the different discounts offered by Acuity and Rurual Mutual so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Acuity has advantage when it comes to total number of discounts. Rurual Mutual offers a grand total of six discounts, while Acuity has nine.

Both companies offer quite a few of the same discounts -- like distant student discounts, discounts for being a good student, and group discounts -- but Acuity also offers college graduate discounts, continuous insurance discounts, COVID-19 relief discount, and more that Rurual Mutual does not.

On the flip side, Rurual Mutual has a couple unique discounts of its own -- claim free discounts, multi-policy discounts, and paid in full discounts.

Final Thoughts: Is Acuity or Rurual Mutual Best for You?

So, we've broken down the average premiums for many of the factors auto insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which insurance company is the best fit for you?

Rurual Mutual might be best for you if....

• You've been pulled over for speeding recently.
• Your credit score is high.
• You don't spend much time in your car.

Acuity might be best for you if...

• You want to save extra money with discounts.

We hope this guide helps you get a good idea of the differences between Acuity and Rurual Mutual and that you can now make a more informed decision when it comes to your 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 several companies, not just Acuity and Rurual Mutual. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

Acuity vs. Rurual Mutual FAQs

Is Acuity or Rurual Mutual cheaper?

Looking just at the national average prices, Rurual Mutual is the cheaper of the two companies, offering average rates of $167 a month compared to $313 for Acuity. Even so, Rurual Mutual won't necessarily be the most affordable carrier for everyone, since there are lots of different variables that come into play when it comes to your car insurance cost.

Who is better, Acuity or Rurual Mutual?

Sadly, the real answer is "it depends.". Neither company is "better" for every driver -- it all depends on the makeup of your unique auto insurance profile.

Why do Acuity and Rurual Mutual offer me different rates?

Insurance carriers take a look at a lot of different factors when calculating the rates they charge policyholders. Things like age, gender, where your home is, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Acuity and Rurual Mutual use different formulas, so each one will most likely offer different premiums. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if Acuity or Rurual Mutual 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 make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. With those, you can guarantee you're getting the most affordable premium. And who knows, the best carrier for you might not be Acuity or Rurual Mutual at all!

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.