Buckeye vs. Hastings Mutual: Which Company is the Best Fit for You?

Quick Facts

• In general, Buckeye offers significantly less expensive premiums than Hastings Mutual
• Buckeye offers more affordable rates for people who are single and purchasing insurance by yourself
• Hastings Mutual offers more discounts than Buckeye Insurance Group

Buckeye vs. Hastings Mutual: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Buckeye or Hastings Mutual as potential options, but which one will save you the most?

As you can see, Hastings Mutual has average rates that are about 35% per month more expensive than those from Buckeye when looking at the national average rates for auto insurance.

But that doesn't mean Buckeye will necessarily be cheaper than Hastings Mutual for each driver. Car insurance companies vary their premiums depending on things like where you live, how old you are, how good your credit score is, how clean your driving record is, and a ton of other factors, so prices could change drastically from person to person.

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

Buckeye or Hastings Mutual: Average Car Insurance Rates by State

Buckeye and Hastings Mutual only compete against each other in two states, with Hastings Mutual offering more affordable premiums to the average driver in all of them. Ohio has the most noticable difference, where Hastings Mutual prices are over 30% less expensive than insurance premiums at Buckeye.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how car insurance carriers calculate your prices. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for insurance than any other group of drivers. That'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.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $100 less a month by choosing Buckeye over Hastings Mutual.

However, with both companies, you'll see your prices lower significantly by the time you turn 25. Hastings Mutual offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Buckeye still has the most affordable rates at $114 a month.

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 cheapest premiums you'll ever find.

So, which company offers the best prices to retired drivers? Buckeye gets the edge here, with average rates coming in at around $105 per month compared to Hastings Mutual's $167.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be more expensive for single drivers than they are for married couples. That's generally because married drivers tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Buckeye is the clear winner for those who are single, with rates about $81 per month cheaper than Hastings Mutual, on average. The advantage for married policyholders with Buckeye is also obvious, where drivers save nearly $75 a month.

Buckeye vs. Hastings Mutual: Average Rates by Gender

You may not know, but insurance is typically cheaper for women than it is for men. This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher premiums.

With Buckeye, women usually pay over 10% per month less than men, while with Hastings Mutual, the difference is closer to 2% a month.

When it comes to the lowest prices for each gender, Buckeye comes out on top for both men and women. On average, women save about $83 per month and men save around $73 with Buckeye compared to the average Hastings Mutual policyholder.

Buckeye or Hastings 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.

Auto insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

That being said, the most common 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 a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability).

If you're looking for state minimum limits for liability insurance, Buckeye normally offers significantly more affordable premiums of $73 compared to Hastings Mutual's $142. When it comes to full coverage policies with similar limits, Buckeye again has the edge, with policies about $90 a month cheaper than Hastings Mutual, on average.

Is Buckeye or Hastings Mutual Better for Drivers with Spotty Records?

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

Tickets and at-fault accidents will most likely raise your prices, but is Buckeye or Hastings Mutual more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Buckeye policyholders can expect their premiums to go up an average of $6 per month if they get a ticket, while Hastings Mutual typically raises rates around $20 a month, on average.

Even so, Buckeye tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket, offering prices that are 26% and 33% less expensive, respectively, compared to Hastings Mutual Insurance Company.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Buckeye can expect to see about an $17 -- or around 17% -- increase in their car insurance premiums. Drivers who use Hastings Mutual for their insurance will see a monthly bill about $17 (or 13%) more expensive after reporting an accident to their auto insurance carrier.

Overall, drivers who use Buckeye end up with the cheaper prices after an accident, with monthly rates averaging $98 compared to Hastings Mutual Insurance Company's $126.

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 car insurance bill. Hastings Mutual drivers usually see a 77% climb in their auto insurance prices after a DUI charge, while Buckeye will generally increase premiums by around 69%.

If you have a DUI on your record and are looking for more affordable rates, Buckeye tends to be the much more affordable option with average prices of $263 monthly compared to $478 from Hastings Mutual.

How does Credit Score Impact Buckeye and Hastings Mutual Rates?

Often times, your credit score can come into play when companies determine your monthly bill. This isn't always the case (for example, Michigan and Hawaii are two states that ban the practice entirely), but it might come into play for many drivers.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking specifically at Hastings Mutual and Buckeye, which company has the most affordable rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Buckeye or Hastings 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 big impact on your monthly car insurance bill? Typically, the more miles you put on your car each year, the more you can expect to pay for auto insurance.

In this case, neither Buckeye or Hastings Mutual report increasing prices for drivers with higher annual mileage figures. Buckeye comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $132 per month for both.

Buckeye vs. Hastings Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a sizable impact on your monthly insurance payment. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because of the number of cars that are on the roads in those areas.

Buckeye tends to offer the cheapest premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest prices from both companies, but Buckeye comes out on top with average rates about $107 a month. Buckeye also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a $160 and $18 a month respective difference when compared to Hastings Mutual policyholders in similar areas.

Buckeye vs. Hastings Mutual Discounts

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

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

Below, we've compared all of the different discounts offered by Buckeye and Hastings Mutual so that you can see which carrier can save you the most money each month.

Overall, Hastings Mutual has advantage when it comes to total number of discounts. Buckeye offers a grand total of seven discounts, while Hastings Mutual has 10.

There are a couple discounts both carriers offer, but Hastings Mutual also offers ABS discounts, company car discounts, good student discounts, and more that Buckeye does not.

On the flip side, Buckeye has a couple unique discounts of its own -- distant student discounts, multi-policy discounts, paid in full discounts, and more.

Final Thoughts: Is Buckeye or Hastings Mutual Best for You?

You've seen the role certain variables have on your insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which company is the best fit for you?

Buckeye might be best for you if....

• You have an at-fault collision on your record.
• You and your spouse are buying car insurance together.

Hastings Mutual might be best for you if...

• You care about discounts (Hastings Mutual offers the most).

We hope this guide helps you get a good idea of the differences between Buckeye and Hastings Mutual. We also hope we've given you the information you need to make the best 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 car insurance policy is to compare quotes from several carriers, not just Buckeye and Hastings Mutual. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Buckeye vs. Hastings Mutual FAQs

Is Buckeye or Hastings Mutual cheaper?

Looking just at the national average prices, Buckeye is the less expensive of the two carriers, offering average rates of $132 per month compared to $211 for Hastings Mutual. But Buckeye won't necessarily be the most affordable carrier for each driver, since there are multiple different factors (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Buckeye or Hastings Mutual?

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

Why do Buckeye and Hastings Mutual offer me different rates?

Car insurance companies take a look at quite a few different variables when calculating the premiums they charge drivers. Factors like age, gender, your driving record, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Buckeye and Hastings Mutual calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

How do I know if Buckeye or Hastings 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 companies 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 car insurance carriers in your area. With those, you can guarantee you're getting the best premium. And who knows, the best carrier for you might not be Buckeye or Hastings 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.