Cameron Mutual vs. Trexis: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Cameron Mutual offers significantly less expensive premiums than Trexis
• Cameron Mutual offers more affordable average rates for people who are single and purchasing insurance by yourself
• Trexis offers more discounts than Cameron Mutual Insurance Company

Cameron Mutual vs. Trexis: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. With so many ads from all sorts of companies offering large discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Cameron Mutual or Trexis as your top options, but which one will save you the most?

Looking at the national average rates for both companies, Cameron Mutual has average rates that are about 45% per month cheaper than those from Trexis.

However, Cameron Mutual may not be the cheapest or best option for every single driver out there. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your credit score, your age, or even your driving record (among other things), so prices will change quite a bit from person to person.

Wanting to know if Cameron Mutual or Trexis is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

Cameron Mutual or Trexis: Average Car Insurance Rates by State

Cameron Mutual and Trexis only compete against each other in one states, with undefined offering less expensive prices to the average driver in all of them. Undefined has the most noticable difference, where undefined rates are cheaper than car insurance premiums at undefined.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

Even so, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. As you can see above, teens who use Cameron Mutual save more than $200 a month compared to those who use Trexis.

But both carriers will drop rates by the time drivers turn 25. Trexis offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Cameron Mutual still has the most affordable prices at $123 per month.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best premiums to retired drivers? Cameron Mutual gets the edge, with rates for drivers 65 and older nearly 55% more affordable than the national average for Trexis.

Which is the Best Company for Married Drivers?

Married drivers tend to get slightly less expensive insurance prices than single policyholders. This usually boils down to married policyholders having several cars on their policy -- something quite a few car insurance companies will reward with discounts.

When it comes to relationship status, Cameron Mutual is the clear winner for single drivers, with premiums around $116 per month cheaper than Trexis, on average. The advantage for married couples with Cameron Mutual is also obvious, where drivers save over 40% a month.

Cameron Mutual vs. Trexis: Average Rates by Gender

Women tend to pay less for auto insurance than men. This is because women are less likely to get into accidents and get tickets, which lowers the chances of an insurance claim.

With Cameron Mutual, men usually pay almost $15 per month more than women, and about $20 with Trexis.

Looking at overall affordability, Cameron Mutual comes out as the cheapest option for both genders. On average, women save about $92 a month and men save around $99 with Cameron Mutual compared to the average Trexis policyholder.

Cameron Mutual or Trexis: 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, car insurance isn't the easiest topic to understand. Everyone needs auto insurance, but there are so many different terms and limits that it can be hard to find the right policy.

The two most common policies end up falling into two different types of coverage -- liability only (which covers the other party's injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Cameron Mutual normally offers significantly more affordable prices of $53 compared to Trexis's $108. When it comes to full coverage policies with similar limits, Cameron Mutual again has the edge, with policies about $150 per month less expensive than Trexis, on average.

Is Cameron Mutual or Trexis Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

Accidents and tickets will most likely raise your rates, but is Cameron Mutual or Trexis cheaper for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Cameron Mutual car insurance policies don't report seeing their prices increase after getting a ticket, but Trexis policyholders can expect to see their monthly bill increase by around 20%.

That being said, Cameron Mutual is generally the more affordable option for drivers both with a ticket and with a clean record. Drivers with a clean record can save about $72 a month with Cameron Mutual Insurance Company, and the same can be said for those with a speeding ticket, too.

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 Trexis climbing by $65. Cameron Mutual has a less extreme rise, but you can still expect to pay just under $15 more than you were prior to your first collision.

Overall, the cheaper rates come from Cameron Mutual, with monthly prices averaging $124 compared to Trexis Insurance's $247.

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 ticket or even a collision. On average, Trexis will raise your rates around 19% after a DUI, while Cameron Mutual's average premiums increase by just under 30%.

If you have a DUI on your record and are looking for more affordable prices, Cameron Mutual tends to be the much more affordable option with average rates of $152 monthly compared to $226 from Trexis.

How does Credit Score Impact Cameron Mutual and Trexis Rates?

Did you know that many insurance companies take into account your credit score 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 policyholders.

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, drivers with good credit will often be rewarded with less expensive prices.

So, which carrier offers the most affordable rates for policyholders 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 Cameron Mutual or Trexis Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a big impact on your monthly premiums. Usually, those who drive less will end up with cheaper rates since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Cameron Mutual or Trexis report increasing premiums for drivers with higher annual mileage figures. Cameron Mutual comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average prices of $124 per month for both.

Cameron Mutual vs. Trexis: 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 car insurance, but the type of area you live in can have a substantial impact as well. Typically, those who live in rural areas will pay less than drivers in urban areas because there are a lot fewer cars on the roads in those areas.

Cameron Mutual tends to offer the cheapest premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

For policyholders in urban ZIP codes, Cameron Mutual offers rates about $134 a month compared to Trexis's $270. People who live in suburban ZIP codes can expect to pay around $122 a month for Cameron Mutual and $223 for Trexis. Lastly, those in rural areas tend to get the lowest prices from both companies, with average monthly premiums coming in at $116 and $167 for Cameron Mutual and Trexis respectively.

Cameron Mutual vs. Trexis Discounts

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

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

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

Trexis knocks Cameron Mutual out of the park when it comes to the sheer number of discounts available, offering 10 more discounts than Cameron Mutual.

Both carriers offer many of the same discounts -- like discounts for being a defensive driver, discounts for being a good student, and renewal discounts -- but Trexis also offers advance quote discounts, agency transfer discounts, driver training discounts, and more that Cameron Mutual does not.

On the flip side, Cameron Mutual has a couple unique discounts of its own -- passive restraint discounts and umbrella policy discounts.

Final Thoughts: Is Cameron Mutual or Trexis Best for You?

So, we've broken down the average prices for many of the variables auto insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the best carrier for you and your specific needs?

Cameron Mutual might be best for you if....

• You're single and purchasing insurance by yourself.
• You are over 65 years old and want to save some money on your car insurance.

Trexis might be best for you if...

• You want to save extra money with discounts.

We hope this guide has ben a valuable resource as you compare Cameron Mutual and Trexis and that it aids in making a more informed decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from a handful of carriers, not just Cameron Mutual and Trexis. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Cameron Mutual vs. Trexis FAQs

Is Cameron Mutual or Trexis cheaper?

Looking just at the national average rates, Cameron Mutual is the less expensive of the two carriers, offering average rates of $124 per month compared to $220 for Trexis. Even so, Cameron Mutual won't necessarily be the most affordable company for everyone, since there are multiple different factors that come into play when it comes to your car insurance cost.

Who is better, Cameron Mutual or Trexis?

Unfortunately, the answer truly is "it depends.". No single carrier is necessarily "better" for everyone -- it all comes down to what your unique insurance profile looks like.

Why do Cameron Mutual and Trexis offer me different rates?

Auto insurance companies take a look at a lot of different variables when determining the premiums they charge drivers. Factors such as your driving record, gender, age, where you live, and sometimes even things like your credit score can all be used. Both Cameron Mutual and Trexis calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the lowest for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Cameron Mutual or Trexis is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your information once and you'll get free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Cameron Mutual or Trexis 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.