California Casualty vs. Colorado Farm Bureau: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Colorado Farm Bureau offers significantly less expensive rates than California Casualty
• California Casualty offers more discounts than Colorado Farm Bureau Insurance
• Colorado Farm Bureau offers more affordable premiums for residents of rural areas

California Casualty vs. Colorado Farm Bureau: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might be considering California Casualty or Colorado Farm Bureau as potential options, but which company will offer you more affordable prices?

Looking at the national average rates for both companies, California Casualty is quite a bit more expensive than Colorado Farm Bureau, with premiums averaging $201 per month compared to just $132 with Colorado Farm Bureau.

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

Wanting to know if California Casualty or Colorado Farm Bureau is really the right company for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

California Casualty or Colorado Farm Bureau: Average Car Insurance Rates by State

California Casualty and Colorado Farm Bureau only compete against each other in Colorado, where Colorado Farm Bureau offers the cheaper average rates. For Colorado residents, Colorado Farm Bureau offers auto insurance for $132 a month on average. California Casualty's average prices come out to be over 50% more expensive, at $211 monthly.

There's a lot more that goes into your car insurance payment 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 insurance premiums of any other group of drivers out there on the road. That's because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean teen drivers can't still save money on their car insurance. For example, 18-year-old drivers pay an average of more than $200 less a month by choosing Colorado Farm Bureau over California Casualty.

But both companies will drop rates by the time drivers turn 25. Colorado Farm Bureau offers the steepest reduction, with 25-year-olds paying a third less what 18-year-old drivers are charged. California Casualty's average prices reduce nearly 60% during that same period.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable auto 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.

So, which carrier offers the best prices to retired drivers? Colorado Farm Bureau gets the edge, with rates for drivers 65 and older almost 25% less expensive than the national average for California Casualty.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are generally more expensive for single policyholders than they are for married policyholders? This usually boils down to married drivers having more than one car on their policy -- something quite a few car insurance carriers will reward with discounts.

When it comes to relationship status, Colorado Farm Bureau is the clear winner for those who are single, with premiums about $82 per month cheaper than California Casualty, on average. The advantage is also clear for married couples - Colorado Farm Bureau offers the lowest average prices.

California Casualty vs. Colorado Farm Bureau: Average Rates by Gender

Did you know men usually pay more for auto insurance than women? This is because men are more likely to get tickets and get into collisions, which increases the chances of an insurance claim.

Typically, men see premiums nearly 10% a month higher with California Casualty, and around 2% more with Colorado Farm Bureau.

Looking at overall affordability, Colorado Farm Bureau comes out as the cheapest option for both genders, with average rates 36% less for men and 32% cheaper for women.

California Casualty or Colorado Farm Bureau: 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.

Insurance can be a complicated subject for most people. There are lots of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

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 a collision) and full coverage (which typically refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum liability limits, Colorado Farm Bureau generally offers significantly more affordable prices of $71 compared to California Casualty's $122. When it comes to full coverage policies with similar limits, Colorado Farm Bureau again has the edge, with policies about $90 per month less expensive than California Casualty, on average.

Is California Casualty or Colorado Farm Bureau Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car 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.

It's no secret secret that accidents and tickets lead to higher premiums, but which company -- California Casualty or Colorado Farm Bureau -- has the most affordable prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

California Casualty policyholders can expect their premiums to go up an average of $33 a month if they get a ticket, while Colorado Farm Bureau typically raises rates around $22 per month, on average.

That being said, Colorado Farm Bureau is usually the more affordable option for drivers both with clean records and with a speeding ticket -- their rates are around 18% cheaper for drivers with clean records and 21% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with California Casualty raising by over $60. Colorado Farm Bureau has a less extreme raise, but you can still expect to pay $25 more than you were prior to your first collision.

Overall, Colorado Farm Bureau offers the cheapest prices for drivers with an at-fault accident on their records, with monthly rates averaging $137 compared to California Casualty's $198.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your insurance bill. On average, California Casualty will increase your prices about 54% after a DUI, while Colorado Farm Bureau's average rates climb by over 20%.

If you have a DUI on your record and are looking for more affordable premiums, Colorado Farm Bureau tends to be the much cheaper option with average prices of $144 per month compared to $300 from California Casualty.

How does Credit Score Impact California Casualty and Colorado Farm Bureau Rates?

Did you know that many car insurance companies take your credit score into account when calculating premiums? This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for many drivers.

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 rates.

Looking at California Casualty and Colorado Farm Bureau specifically, which one has the best prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Colorado Farm Bureau. Policyholders with "excellent" credit can save just under 40% compared to California Casualty, and those with "good" scores can also expect to see savings -- around $67 or 39% more affordable each month.

Which Company is Best for Drivers with Bad Credit?

Colorado Farm Bureau typically offers lower rates than California Casualty when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $78 a month less with Colorado Farm Bureau compared to California Casualty, and those with "poor" scores normally save an average of around $79 monthly.

Is California Casualty or Colorado Farm Bureau Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly premiums. That's because the more miles you put on your vehicle each year, 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 Colorado Farm Bureau charges. However, there's a pretty significant difference in monthly prices for California Casualty, with drivers who put 6,000 miles on their car every year paying about $25 less each month compared to those who drive 12,000 miles annually. Still, Colorado Farm Bureau is the cheaper option for drivers in both categories.

California Casualty vs. Colorado Farm Bureau: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for insurance, but the type of area you live in can have a pretty big impact as well. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more vehicles on the roads in those areas.

Colorado Farm Bureau tends to offer the lowest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

Drivers in rural ZIP codes see the most affordable rates from both companies, but Colorado Farm Bureau comes out on top with average premiums around $85 per month. Colorado Farm Bureau also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a 29% and 29% per month respective difference when compared to California Casualty drivers in similar areas.

California Casualty vs. Colorado Farm Bureau 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.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you're eligible for.

Below, we've taken a look at all of the different discounts California Casualty and Colorado Farm Bureau offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

California Casualty knocks Colorado Farm Bureau out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Colorado Farm Bureau.

A couple of those are overlapping for things like discounts for getting driver training, discounts for being a good student, and multi-policy discounts. California Casualty also offers ABS discounts, education discounts, full coverage discounts, and more that Colorado Farm Bureau does not.

On the flip side, Colorado Farm Bureau has a unique discount of its own -- a defensive driver discounts.

Final Thoughts: Is California Casualty or Colorado Farm Bureau Best for You?

So, we've broken down the average prices for many of the factors insurance carriers look at, and walked through the different discounts each carrier offers, too. That's all well and good, but at the end of the day, which company is the best carrier for you and your specific needs?

Colorado Farm Bureau might be best for you if....

• You have a DUI charge on your record.
• You want basic car insurance coverage at the state minimum limits.
• You're buying auto insurance for a teen and looking for a wallet-friendly option.

California Casualty might be best for you if...

• You're looking for discounts -- California Casualty has the most.

We hope this guide has ben a valuable resource as you compare California Casualty and Colorado Farm Bureau. 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 auto insurance -- comparing quotes from multiple companies, not just California Casualty and Colorado Farm Bureau. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

California Casualty vs. Colorado Farm Bureau FAQs

Is California Casualty or Colorado Farm Bureau cheaper?

Looking just at the national average premiums, Colorado Farm Bureau is the cheaper of the two companies, offering average rates of $132 a month compared to $201 for California Casualty. However, Colorado Farm Bureau won't necessarily be the lowest carrier for every driver, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, California Casualty or Colorado Farm Bureau?

Unfortunately, the only answer we can give you is "it depends.". No single company is "better" for everyone -- it all comes down to what your unique auto insurance profile looks like.

Why do California Casualty and Colorado Farm Bureau offer me different rates?

Car insurance carriers take a look at several different factors when determining the rates they charge policyholders. Variables like age, your driving record, gender, where you park your car, and sometimes even things like your credit score can all be used. Both California Casualty and Colorado Farm Bureau use different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different companies.

How do I know if California Casualty or Colorado Farm Bureau is right for me?

The only way to find the insurance company that's right for you is by getting quotes from several carriers 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 ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the lowest rate. And who knows, the best carrier for you might not be California Casualty or Colorado Farm Bureau 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.