Buckeye vs. General Casualty: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Buckeye offers slightly more affordable rates than General Casualty
• Buckeye has cheaper prices for policyholders who haven't received any speeding tickets or been in an accident in the last few years
• General Casualty offers more discounts than Buckeye Insurance Group

Buckeye vs. General Casualty: 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 large discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Buckeye or General Casualty as potential options, but between the two, which carrier has less expensive rates for auto insurance?

Looking at nationwide averages, Buckeye is about $7 per month more affordable than General Casualty.

But that doesn't necessarily mean Buckeye will be the cheaper option for each driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, your age, where you call home, or even your credit score (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

Luckily, we've broken down average premiums from both Buckeye and General Casualty by a bunch of different rate factors, so read on to find out which carrier is the best for you.

Buckeye or General Casualty: Average Car Insurance Rates by State

Buckeye and General Casualty only compete against each other in two states, with General Casualty offering less expensive prices to the average driver in all of them. Ohio has the most noticable difference, where General Casualty premiums are over 20% cheaper than insurance rates at Buckeye.

There's a lot more that goes into your car insurance cost than just where you live. Read on to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. That's usually because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance prices. Just look at the table above -- where 18-year-old drivers who have General Casualty for their auto insurance pay $3 less than those who use Buckeye.

However, with both carriers, you'll see your premiums decrease significantly by the time drivers turn 25. For example, average rates for Buckeye policyholders reduce nearly 60% and General Casualty's prices drop more than 55% over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Buckeye and General Casualty specifically, which company is best for retired drivers? Buckeye gets the edge, with prices for drivers 65 and older over 15% less expensive than the national average for General Casualty.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable auto insurance rates than single policyholders. This usually boils down to married drivers having more than one car on their policy -- something many car insurance companies will reward with discounts.

If you're in the market for insurance, Buckeye tends to have the most affordable average premiums regardless of if you're married or single, with prices around 7% less expensive for single drivers and about 1% more affordable for married couples.

Buckeye vs. General Casualty: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into a collision, which means they'll typically end up paying more for car insurance than women.

With Buckeye, men usually pay more than 10% more a month than women., while with General Casualty, the difference is closer to 10% per month.

Looking at overall affordability, Buckeye offers the lowest average prices for both men and women, with average premiums 4% less for men and 5% cheaper for women.

Buckeye or General Casualty: 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.

For most people, insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard to find the right policy.

Even so, most policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with liability).

If you're looking for state minimum limits for liability insurance, Buckeye normally offers cheaper rates of $73 compared to General Casualty's $82. When it comes to full coverage policies with similar limits, Buckeye again has the edge, with policies around $4 a month less expensive than General Casualty, on average.

Is Buckeye or General Casualty Better for Drivers with Spotty Records?

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

At-fault accidents and tickets will most likely raise your premiums, but is Buckeye or General Casualty more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Buckeye policyholders can expect their rates to go up an average of $6 per month if they get a ticket, while General Casualty generally raises premiums about $43 a month, on average.

However, Buckeye is normally the cheaper option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around $9 per month and drivers with a ticket can save about $46 a month with Buckeye Insurance Group.

Which Company is Best for Drivers After an Accident?

Both companies will increase rates pretty significantly if you get into an at-fault accident with General Casualty climbing by over $55. Buckeye has a less extreme rise, but you can still expect to pay more than $15 more than you were prior to your first collision.

Overall, the less expensive prices come from Buckeye, with monthly rates averaging $98 compared to General Casualty's $146.

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. On average, Buckeye will climb your premiums around 69% after a DUI, while General Casualty's average prices increase by over 50%.

If you have a DUI on your record and are looking for more affordable premiums, General Casualty tends to be the much cheaper option with average rates of $186 a month compared to $263 from Buckeye.

How does Credit Score Impact Buckeye and General Casualty Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating prices? This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it might come into play for lots of drivers.

The reasoning car insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with more affordable premiums.

So, which carrier offers the cheapest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Buckeye or General Casualty 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 big impact on your monthly prices? That's because the fewer miles you put on your vehicle, the less likely you are to get into an accident and cause an insurance claim.

In this case, neither Buckeye or General Casualty report increasing rates for drivers with higher annual mileage figures. That being said, Buckeye comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $132 per month for both.

Buckeye vs. General Casualty: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your vehicle can play a large role in how much you pay for insurance. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Looking at these carriers side-by-side, Buckeye boasts the cheapest average premiums in rural and urban areas, while General Casualty wins in suburban areas.

In urban areas, Buckeye Insurance Group's average rates are about $20 less than General Casualty. Drivers in suburban ZIP codes pay around $25 less with General Casualty compared to Buckeye. If you live in a rural area, you can expect to save about $24 with Buckeye compared to General Casualty.

Buckeye vs. General Casualty Discounts

Regardless of 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 possible. That's where car insurance discounts comes into play.

The hard part is finding all of the discounts you qualify for, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

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

Overall, General Casualty has the advantage when it comes to total number of discounts. Buckeye offers a grand total of seven discounts, while General Casualty has 12.

Both companies offer many of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, and discounts for being a good driver -- but General Casualty also offers advance quote discounts, employee discounts, good student discounts, and more that Buckeye does not.

On the flip side, Buckeye has a unique discount of its own -- a renewal discounts.

Final Thoughts: Is Buckeye or General Casualty Best for You?

So, we've broken down the average prices for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. But, at the end of the day, which insurance carrier is the right company for you, your vehicle, and your wallet?

Buckeye might be best for you if....

• You're single and purchasing car insurance by yourself.
• Your credit score is high.
• You drive fewer than 12,000 miles annually.

General Casualty might be best for you if...

• You care about discounts (General Casualty offers the most).
• Your home is located in the suburbs.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

We hope this guide has ben a valuable resource as you compare Buckeye and General Casualty. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from several companies, not just Buckeye and General Casualty. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP code below and get free quotes from dozens of the top auto insurance carriers in your area, all in just a few minutes.

Buckeye vs. General Casualty FAQs

Is Buckeye or General Casualty cheaper?

Looking just at the national average premiums, Buckeye is the less expensive of the two companies, offering average rates of $132 a month compared to $139 for General Casualty. That being said, Buckeye won't necessarily be the most affordable company for each policyholder, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Buckeye or General Casualty?

Sadly, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for every driver -- it all boils down to your unique insurance profile. For example, Buckeye offers cheaper rates for policyholders with an at-fault accident on their record, while General Casualty is more affordable for drivers who have less-than-stellar credit scores.

Why do Buckeye and General Casualty offer me different rates?

Auto insurance carriers take a look at a lot of different factors when determining the prices they charge drivers. Things like where your home is, gender, where you live, age, and sometimes even things like your credit score can all come into play. Both Buckeye and General Casualty use different formulas, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a variety of different companies.

How do I know if Buckeye or General Casualty is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, Compare.com makes it easy for you to do just that. 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 best premium. And who knows, the best company for you might not be Buckeye or General Casualty 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.