Auto-owners vs. Celina Mutual: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Auto-owners offers significantly cheaper prices than Celina Mutual
• Auto-owners offers more discounts than Celina Mutual Insurance
• Celina Mutual offers more affordable rates for residents in Tennessee

Auto-owners vs. Celina Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Auto-owners or Celina Mutual as your top options, but which company will save you the most?

Looking at the national average rates for both companies, Celina Mutual has average rates that are about 35% per month more expensive than those from Auto-owners.

However, that doesn't necessarily mean Auto-owners will be the more affordable option for every driver. Insurance carriers vary their prices depending on things like where you live, how clean your driving record is, how old you are, how good your credit score is, and a ton of other factors, so premiums will vary quite a bit from person to person.

So, if you want to find out which of Auto-owners or Celina Mutual is really the best for you, keep reading to see average rates for each company broken down by several different rate factors.

Auto-owners or Celina Mutual: Average Car Insurance Rates by State

Auto-owners and Celina Mutual only compete against each other in Tennessee, where Auto-owners offers the cheaper average prices. For Tennessee residents, Auto-owners offers auto insurance for $191 per month on average. Celina Mutual's average rates come out to be over 40% more expensive, at $272 a month.

But there's more to car insurance than just where you call home. As we mentioned above, there's a lot of things that go into how insurance companies calculate your premiums. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group on the road. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

That being said, that doesn't mean that teen drivers have to just accept sky-high auto insurance prices. Just look at the table above -- where 18-year-old drivers who have Auto-owners for their car insurance pay more than $300 less than those who use Celina Mutual. It's worth noting that Auto-owners offers insurance in 23 different states compared to Celina Mutual's one, which can skew the average premiums a bit, but the difference here is still considerable.

But both carriers will offer you dramatically lower prices once you turn 25. For example, average rates for Auto-owners policyholders reduce nearly $250 and Celina Mutual's premiums decrease around $450 over that time.

Which is the Best Company for Retired Drivers?

When it comes to auto insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest prices you can find.

So, which carrier offers the best premiums to retired drivers? Auto-owners gets the edge here, with average rates coming in at about $133 monthly compared to Celina Mutual's $168.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly less expensive insurance premiums than single policyholders. That's normally because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Auto-owners is the clear winner for single drivers, with rates around $125 a month cheaper than Celina Mutual, on average. The advantage is also clear for married policyholders - Auto-owners offers the most affordable average prices.

Auto-owners vs. Celina Mutual: Average Rates by Gender

You may not know, but car insurance is usually more expensive for men than for women. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

Women typically pay over $10 per month less than men with Auto-owners, and about $25 cheaper with Celina Mutual when compared to their male counterparts.

When it comes to the cheapest prices for each gender, Auto-owners comes out on top for both men and women. On average, male drivers save about $100 a month and women save around $84 with Auto-owners compared to the average Celina Mutual policyholder.

Auto-owners or 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 auto 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.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum limits for liability insurance, Auto-owners typically offers significantly more affordable premiums of $99 compared to Celina Mutual's $140. When it comes to full coverage policies with similar limits, Auto-owners again has the edge, with policies about $150 per month less expensive than Celina Mutual, on average.

Is Auto-owners or Celina Mutual Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies offering great rates for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two carriers offers the lowest premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Auto-owners policyholders can expect their prices to go up an average of $44 a month if they get a ticket, while Celina Mutual normally raises rates around $31 per month, on average.

Even so, Auto-owners has cheaper premiums for drivers in both categories. Drivers with a clean record can save about $33 a month and drivers with a speeding ticket can save around $20 per month with Auto-Owners Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Auto-owners can expect to see about an $47 -- or around 28% -- increase in their car insurance prices. Drivers who use Celina Mutual for their auto insurance will see a monthly bill about $131 (or 46%) more expensive after reporting a collision to their car insurance company.

Overall, the more affordable rates come from Auto-owners, with monthly premiums averaging $168 compared to Celina Mutual Insurance's $285.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. For example, Celina Mutual increases average prices by over $300 a month -- that's over a 65% increase.

Auto-owners has the overall most affordable premiums for drivers with a DUI on their records at $264 per month, but it's worth noting that Auto-owners's average rates come from 23 states compared to just one for Celina Mutual, so the data may be skewed slightly.

How does Credit Score Impact Auto-owners and Celina Mutual Rates?

You may not have known, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (for example, Michigan and California are two states that ban the practice entirely), but it will come into play for quite a few drivers.

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

Looking specifically at Celina Mutual and Auto-owners, which one has the lowest prices for policyholders 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 Auto-owners. Drivers with "excellent" credit can save just under 45% compared to Celina Mutual, and those with "good" scores can also expect to see savings -- around $97 or 43% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Auto-owners typically offers lower rates than Celina Mutual when it comes to drivers with a below average credit score. Drivers with "fair" credit pay about $111 per month less with Auto-owners compared to Celina Mutual, and those with "poor" scores generally save an average of around $89 a month.

Is Auto-owners 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 your monthly premiums. That's because the more miles you put on your vehicle, the more 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 Celina Mutual charges. However, there's a small difference in monthly prices for Auto-owners, with policyholders who drive the least paying about $1 less each month compared to those who drive 12,000 miles yearly. Still, Auto-owners is the more affordable option for drivers in both categories.

Auto-owners vs. Celina Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a considerable impact on your monthly insurance bill. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, Auto-owners generally comes out as the most affordable option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Auto-owners's average rates are around $205 while Celina Mutual offers prices about $377. Drivers in suburban ZIP codes pay a monthly premium of around $169 with Auto-owners compared to $183 with Celina Mutual. Those in rural areas can expect to pay about $164 monthly with Auto-owners and $254 with Celina Mutual.

Auto-owners vs. Celina 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 difficult 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.

Below, we've broken down all of the different discounts offered by both Auto-owners and Celina Mutual so that you can see which carrier can save you the most money each month.

Auto-owners knocks Celina Mutual out of the park when it comes to the sheer number of discounts available, offering seven more discounts than Celina Mutual.

Both carriers offer quite a few of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and paid in full discounts -- but Auto-owners also offers ABS discounts, company car discounts, COVID-19 relief discount, and more that Celina Mutual does not.

On the flip side, Celina Mutual has a couple unique discounts of its own -- claim free discounts, continuous insurance discounts, EFT discounts, and more.

Final Thoughts: Is Auto-owners or Celina Mutual Best for You?

So, you've seen how different factors can affect your auto insurance premiums. 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 carrier is the best one for you and your specific needs?

Auto-owners might be best for you if....

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

Celina Mutual might be best for you if...

• You're looking for the best rates in TN.

We hope this guide helps you get a better idea of the difference between Auto-owners and Celina Mutual. We also hope we've given you the information you need to make the best decision when it comes to your car 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 companies, not just Auto-owners and Celina Mutual. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Auto-owners vs. Celina Mutual FAQs

Is Auto-owners or Celina Mutual cheaper?

Looking just at the national average rates, Auto-owners is the less expensive of the two companies, offering average rates of $179 a month compared to $272 for Celina Mutual. But Auto-owners won't necessarily be the cheapest carrier for everyone, since there are a variety of different variables that are considered when it comes to your car insurance cost.

Who is better, Auto-owners or Celina Mutual?

Unfortunately, the only answer we can give you is "it depends.". One company is not "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Auto-owners and Celina Mutual offer me different rates?

Insurance carriers take a look at a lot of different factors when calculating the prices they charge policyholders. Things such as gender, your driving record, age, where you call home, and sometimes even things like your credit score can all be used. Both Auto-owners and Celina Mutual calculate rates using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

How do I know if Auto-owners 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 multiple carriers 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 information once 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 price. And who knows, the best carrier for you might not be Auto-owners or Celina 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.