Allstate vs. Celina Mutual: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for car insurance, Allstate offers significantly more affordable premiums than Celina Mutual
• Allstate offers cheaper average prices for policyholders who have a short commute
• Celina Mutual offers more affordable rates for policyholders who live in suburban areas

Allstate or Celina Mutual: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering hefty savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Allstate or Celina Mutual as your top options, but which carrier will offer you less expensive prices?

As you can see, Celina Mutual has average rates that are around 25% a month more expensive than those from Allstate when looking at the national average rates for auto insurance.

But that doesn't necessarily mean Allstate will be the cheaper option for every driver. Car insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and tons of other factors, so rates could differ drastically from person to person.

Wanting to know if Allstate or Celina Mutual is really the right company for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Allstate vs. Celina Mutual: Average Car Insurance Rates by State

Allstate and Celina Mutual only compete against each other in Tennessee, where Allstate offers the cheaper average premiums. Allstate drivers tend to pay about $79 per month less on average compared to drivers who use Celina Mutual for their insurance.

There are plenty of other factors that go into your car insurance cost than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any group on the road. Normally, that's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance prices. As you can see above, teens who use Allstate save over 35% a month compared to those who use Celina Mutual. It's worth noting that Allstate offers car insurance in 47 different states compared to Celina Mutual's one, which can skew the average premiums a bit, but the difference here is still considerable.

However, both companies will offer you dramatically lower prices by the time you turn 25. For example, average rates for Allstate policyholders decrease almost 65% and Celina Mutual's premiums lower more than 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you'll ever find.

So, which carrier offers the best rates to retired drivers? Allstate gets the slight edge here, with average premiums coming in at about $152 monthly compared to Celina Mutual's $168.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more affordable for married policyholders than they are for single policyholders. That's because policies for married drivers generally cover more than one vehicle, which many carriers will give you a discount for.

For single drivers, the difference in average premiums between these two companies is significant, with Allstate rates coming in at a third less than Celina Mutual's. The advantage for married couples with Allstate is also obvious, where drivers save over 15% per month.

Allstate or Celina Mutual: Average Rates by Gender

Women tend to pay less for car insurance than men. That's because men are more likely to get speeding tickets and get into collisions, which raises the chances of filing a claim with insurance.

With Allstate, women typically pay around $10 a month less than men, and about $27 less with Celina Mutual.

When it comes to the cheapest premiums for each gender, Allstate offers the lowest average prices for both men and women, with average rates 29% less for men and 25% cheaper for women.

Allstate vs. Celina 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 so many different limits and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Allstate has the edge, with average monthly premiums coming in at $108. If you want a full coverage policy with the same state minimum limits, Allstate again has the edge, with policies averaging around $289 per month to Celina Mutual's $403.

Is Allstate or Celina Mutual Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto 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 at-fault collisions lead to higher rates, but which company -- Allstate or Celina Mutual -- has the most affordable prices for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Allstate for their car insurance can typically expect their monthly bill to go up about 15% after getting a speeding ticket. Celina Mutual policyholders can expect a bit more drastic of an increase of around 17%.

If you have gotten a ticket, Allstate tends to offer the best rates at about 1% less expensive, while Celina Mutual has the edge for drivers with a clean record.

Which Company is Best for Drivers After an Accident?

Allstate drivers who get in an accident can expect to see their premiums increase by over 30%, while those who have insurance through Celina Mutual will see around a 45% increase.

At the end of the day, the cheaper prices come from Allstate, with average rates coming in at $229 compared to Celina Mutual Insurance's $285.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- normally a lot more than a collision or speeding ticket. Celina Mutual drivers usually see a 67% increase in their auto insurance prices after a DUI charge, while Allstate will generally climb premiums by about 31%.

Allstate has the overall cheapest rates for drivers with a DUI on their records at $227 a month, but it's worth noting that Allstate's average rates come from 47 states compared to just one for Celina Mutual, so the data may be skewed slightly.

How does Credit Score Impact Allstate and Celina Mutual Rates?

Did you know many insurance carriers take your credit score into account when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it will come into play for quite a few policyholders.

Car insurance companies 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, drivers with good credit will often be rewarded with less expensive premiums.

So, which carrier offers the lowest rates for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Allstate will usually reward you the most. For drivers with "excellent" credit scores, Allstate comes in nearly 13.69 more affordable. Drivers with "good" credit scores typically save around 24% with Allstate compared to average prices from Celina Mutual.

Which Company is Best for Drivers with Bad Credit?

Allstate typically offers lower premiums than Celina Mutual when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about 29% a month less with Allstate compared to Celina Mutual, and those with "poor" scores normally save an average of around 32% per month.

Is Allstate or Celina Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on your monthly prices. That's because the more milage you drive, the more likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Celina Mutual charges. However, there's a small difference in monthly rates for Allstate, with drivers who put 6,000 miles on their car annually paying about $3 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Allstate is the cheaper company.

Allstate or Celina Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a considerable impact on your monthly auto insurance bill. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers since there are a lot more vehicles on the roads where they live.

When comparing these two carriers side-by-side, Allstate tends to offer the most affordable option for drivers in rural and urban areas, while Celina Mutual wins in suburban areas.

Those in rural areas can expect to save around $80 with Allstate compared to Celina Mutual. People who live in suburban areas pay about $16 less with Celina Mutual compared to Allstate. For policyholders in urban ZIP codes, Allstate's average premiums are around $155 less than Celina Mutual Insurance.

Allstate vs. Celina Mutual Discounts

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

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

Luckily, we did the hard work for you and looked at all of the different discounts Allstate and Celina Mutual offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Allstate blows Celina Mutual away when it comes to the sheer amount of discounts available, offering 40 different discounts to Celina Mutual's 17.

There are a couple discounts both companies offer, but Allstate also offers discounts for ABS, agency transfer, alert driving, and more.

On the other hand, Celina Mutual has a few proprietary discounts of their own for things like claim free discounts, continuous insurance discounts, empty nester discounts, and more.

Final Thoughts: Is Allstate or Celina Mutual Best for You?

So, you've seen how different variables can affect your car insurance prices. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the right one for you and your specific profile and needs?

Allstate might be best for you if....

• You value the experience that comes with a large national auto insurance company.
• Your neighborhood is in a city.
• You live in a rural area.

Celina Mutual might be best for you if...

• You don't have any speeding tickets, DUIs, or at-fault accidents on your record.
• You live in one of the following states: Tennessee.
• Your home is located in the suburbs.

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

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on auto insurance -- comparing quotes from several carriers, not just Allstate and Celina Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Allstate vs. Celina Mutual FAQs

Is Allstate or Celina Mutual cheaper?

Allstate is the less expensive of the two carriers when looking at national average rates, with policies averaging $199 per month with Allstate and $272 for Celina Mutual. That being said, that doesn't mean Allstate will be the lowest carrier for each policyholder, since there are a range of different factors that come into play when it comes to your auto insurance payment.

Who is better, Allstate or Celina Mutual?

Sadly, the real answer is "it depends.". No one company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Allstate and Celina Mutual offer me different rates?

Car insurance companies use lots of different variables when calculating the premiums they charge. Factors like gender, where your home is, age, your driving record, and sometimes even things like your credit score can all come into play. Both Allstate and Celina Mutual calculate prices using different variables, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different carriers.

How do I know if Allstate or Celina Mutual is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from a handful of companies 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 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 lowest rate. And maybe you'll find that the best carrier for you isn't Allstate or Celina 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.