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

Quick Facts

• Based on national averages for car insurance, American National offers significantly less expensive rates than Celina Mutual
• American National offers more affordable premiums for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Celina Mutual may help you save more money -- they offer more discounts than American National Insurance Company

American National or Celina 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've maybe even narrowed your search down to American National or Celina Mutual for your next policy, but between the two, which carrier will offer you more affordable rates?

As you can see, Celina Mutual is quite a bit more expensive than American National, with premiums averaging $272 a month compared to just $87 with American National when looking at the national average rates for auto insurance.

Even so, American National may not be the lowest or best option for every driver out there. Car insurance carriers use all sorts of complex algorithms to determine prices, so depending on how old you are or where you live (among numerous other factors), you could see wildly different premiums from the ones above.

Wanting to know if American National 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.

American National vs. Celina Mutual: Average Car Insurance Rates by State

American National and Celina Mutual only compete against each other in Tennessee, where American National offers the cheaper average rates. American National drivers tend to pay about $152 per month less on average compared to drivers who use Celina Mutual for their insurance.

That being said, there's a lot more that goes into your car insurance cost than just where you live. Keep reading to learn more.

Which is the Best Company For Young Drivers?

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

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use American National save over 70% a month compared to those who use Celina Mutual.

However, both companies will lower premiums by the time drivers turn 25. For example, average prices for American National policyholders reduce more than 60% and Celina Mutual's rates decrease over 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable insurance premiums you'll ever see. After all, they've likely been driving for quite some time, which usually reduces their chances of accidents and other infractions that can raise prices.

So, which carrier offers the best rates to retired drivers? American National gets the edge, with prices for drivers 65 and older $102 cheaper than the national average for Celina Mutual.

Which is the Best Company for Married Drivers?

Did you know that auto insurance premiums are generally more expensive for those who are single than they are for married couples? This usually boils down to married drivers having more than one vehicle on their policy -- something several car insurance carriers will reward with discounts.

For single policyholders, the difference in average rates between these two companies is significant, with American National premiums coming in at around a third of Celina Mutual's. For married policyholders, the advantage is clear again - American National has the edge when it comes to average prices.

American National or Celina Mutual: Average Rates by Gender

Did you know men normally pay more for insurance than women? This is because men are statistically more likely than women to get tickets and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

Men usually pay about 1% more per month than women with American National, and around 9% more with Celina Mutual.

Looking at overall affordability, American National comes out as the cheapest option for both genders. On average, women save about $171 a month and men save about $197 with American National compared to the average Celina Mutual policyholder.

American National 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 car insurance can be a complicated subject for most people. There are so many different terms and limits that it can make it pretty confusing to find the right policy for you.

But the most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, American National has the significant edge, with average monthly prices coming in at $52. If you want a full coverage policy with the same state minimum limits, American National again has the edge, with policies averaging around $123 per month to Celina Mutual's $403.

Is American National 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 at-fault collisions and speeding tickets lead to higher premiums, but which company -- American National or Celina Mutual -- has the most affordable rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use American National for their car insurance can typically expect their monthly bill to go up about 20% after getting a speeding ticket. Celina Mutual policyholders can expect a less drastic increase of around 17%.

That being said, American National is usually the more affordable option for both drivers who have a recent ticket and those with clean records, offering premiums that are 56% and 55% less expensive, respectively, compared to Celina Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault collision with Celina Mutual increasing by about 46%. American National has a less extreme increase, but you can still expect to pay nearly 30% more than you were prior to your first accident.

At the end of the day, drivers who use American National end up with the cheaper prices after an accident, with average prices coming in at $95 compared to Celina Mutual Insurance's $285.

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 an accident. Celina Mutual drivers usually see a 67% raise in their auto insurance rates after a DUI charge, while American National will typically climb prices by around 36%.

But if you end up with a DUI charge and are looking for more affordable premiums, American National tends to be cheaper for the average driver, with monthly premiums coming in at about $104 to Celina Mutual's $462.

How does Credit Score Impact American National and Celina Mutual Rates?

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance prices. Certain states and companies do not allow for credit score to be used as an insurance factor, but it does affect lots of drivers out there.

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 less expensive premiums.

Looking at American National and Celina Mutual specifically, which company has the lowest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, American National will generally reward you the most. For policyholders with "excellent" credit scores, American National comes in just under 69.64 more affordable. Drivers with "good" credit scores normally save around 71% with American National compared to average prices from Celina Mutual.

Which Company is Best for Drivers with Bad Credit?

American National typically offers lower rates than Celina Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay about 70% a month less with American National compared to Celina Mutual, and those with "poor" scores generally save an average of around 64% monthly.

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

The amount of time you spend behind the wheel of your car plays a big role in how much insurance companies will charge for coverage. Usually, those who drive less will end up with cheaper premiums since there's less of a chance of causing a collision 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 Celina Mutual charges. However, there's a small difference in monthly rates for American National, with policyholders who drive 6,000 miles every year paying about $9 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, American National is the more affordable carrier.

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

Where you live can play a considerable role in how much you pay for car insurance. Normally, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more cars on the road where they live, which increases the chances of an accident.

American National tends to offer the lowest prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Those in rural areas can expect to save around 71% with American National compared to Celina Mutual. People who live in suburban areas pay about 54% less with American National compared to Celina Mutual. For drivers in urban ZIP codes, American National Insurance Company's average premiums are around 72% less than Celina Mutual Insurance.

American National vs. Celina Mutual Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem challenging to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both American National and Celina Mutual so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Overall, Celina Mutual has advantage when it comes to total number of discounts. American National offers a grand total of 14 discounts, while Celina Mutual has 17.

A couple of those are overlapping for things like claim free discounts, discounts for getting driver training, and discounts for being a good student. Celina Mutual also offers discounts for advance quote, continuous insurance, EFT, and more.

On the other hand, American National has a few proprietary discounts of their own for things like COVID-19 relief discount, distant student discounts, excess vehicle discounts, and more.

Final Thoughts: Is American National or Celina Mutual Best for You?

So, you've seen how different factors can affect your car insurance prices. We've broken down the different discounts each carrier offers, too. That's all well and good, but at the end of the day, is American National or Celina Mutual the right fit for you?

American National might be best for you if....

• You have a clean record.
• You're looking for the best rates on liability only coverage.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Celina Mutual might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between American National and Celina Mutual. We also hope we've given you the information you need to make the best decision when it comes to 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 car insurance -- comparing quotes from a handful of carriers, not just American National and Celina Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best insurance companies in your area, all in just a few minutes.

American National vs. Celina Mutual FAQs

Is American National or Celina Mutual cheaper?

American National is the cheaper of the two carriers when looking at national average premiums, with policies averaging $87 per month with American National and $272 for Celina Mutual. However, that doesn't mean American National will be the cheapest carrier for every driver, 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, American National or Celina Mutual?

Unfortunately, the real answer is "it depends.". One company is not "better" for everyone -- it all depends on what your unique auto insurance profile looks like.

Why do American National and Celina Mutual offer me different rates?

Car insurance companies use a lot of different factors when determining the prices they charge. Variables like age, where you call home, your driving record, gender, and sometimes even things like your credit score can all be taken into consideration. Both American National and Celina Mutual calculate rates using different formulas, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different carriers.

How do I know if American National 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 several companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code and you'll get quotes from dozens of your local top insurance carriers for free. That way, you can guarantee you're getting the cheapest premium. And maybe you'll find that the best carrier for you isn't American National 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.