Celina Mutual vs. Cincinatti Financial: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Cincinatti Financial offers significantly cheaper rates than Celina Mutual
• Celina Mutual offers more discounts than Cincinatti Financial
• Cincinatti Financial offers more affordable prices for couples purchasing insurance together

Celina Mutual vs. Cincinatti Financial: 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 Celina Mutual or Cincinatti Financial as potential options, but which carrier will offer you more affordable rates?

Looking at the national average rates for both companies, Cincinatti Financial has average rates that are about 25% per month less expensive than those from Celina Mutual.

However, that doesn't necessarily mean Cincinatti Financial will be the cheaper option for each driver. Auto insurance carriers vary their prices depending on things like how old you are, how good your credit score is, where you live, how clean your driving record is, and all sorts of other factors, so premiums will vary quite a bit from person to person.

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

Celina Mutual or Cincinatti Financial: Average Car Insurance Rates by State

Celina Mutual and Cincinatti Financial only compete against each other in Tennessee, where Cincinatti Financial offers the cheaper average premiums. For Tennessee residents, Cincinatti Financial offers car insurance for $194 monthly on average. Celina Mutual's average prices come out to be over 30% more expensive, at $272 a month.

There are plenty of other factors that go into your auto insurance cost than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into an accident that results in a car 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. Just look at the table above -- where 18-year-old drivers who have Cincinatti Financial for their car insurance pay more than $200 less than those who use Celina Mutual.

Even so, both companies will offer you dramatically lower prices by the time drivers turn 25. For example, average premiums for Celina Mutual policyholders drop nearly $450 and Cincinatti Financial's prices lower over $300 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the lowest rates you'll ever find.

So, which carrier offers the best premiums to retired drivers? Cincinatti Financial gets the edge, with rates for drivers 65 and older more than 25% less expensive than the national average for Celina Mutual.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly more affordable car insurance premiums than single drivers. That's usually because married couples tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Cincinatti Financial is the clear winner for those who are single, with prices around $94 a month less expensive than Celina Mutual, on average. The advantage is also clear for married drivers - Cincinatti Financial offers the cheapest average rates.

Celina Mutual vs. Cincinatti Financial: Average Rates by Gender

Women generally to pay less for auto insurance than men. 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 prices.

With Celina Mutual, men typically pay almost 10% more per month than women., and about 6% with Cincinatti Financial.

When it comes to the lowest premiums for each gender, Cincinatti Financial offers the cheapest average prices for both men and women, with average premiums 28% less for men and 25% cheaper for women.

Celina Mutual or Cincinatti Financial: 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 terms that it can be hard to find the right policy.

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

If you're looking for state minimum liability limits, Cincinatti Financial generally offers cheaper rates of $106 compared to Celina Mutual's $140. When it comes to full coverage policies with similar limits, Cincinatti Financial again has the edge, with policies around $100 a month more affordable than Celina Mutual, on average.

Is Celina Mutual or Cincinatti Financial Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from car insurance carriers offering great premiums 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 tickets and at-fault accidents on your record, but which of these two companies offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Celina Mutual policyholders can expect their rates to go up an average of $31 per month if they get a ticket, while Cincinatti Financial typically raises prices about $21 a month, on average.

But Cincinatti Financial is normally the cheaper option for both drivers who have clean records and those with a recent speeding ticket, offering rates that are 21% and 23% more affordable, respectively, compared to Celina Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Celina Mutual drivers who get in a collision can expect to see their premiums increase by over 45%, while those who have insurance through Cincinatti Financial will see around a 45% increase.

Overall, Cincinatti Financial offers the cheapest prices for drivers with an at-fault accident on their records, with monthly premiums averaging $214 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 collision or ticket when it comes to your auto insurance bill. For example, Celina Mutual increases average rates by over $300 per month -- that's over a 65% increase.

If you have a DUI on your record and are looking for more affordable premiums, Cincinatti Financial tends to be the much less expensive option with average rates of $320 per month compared to $462 from Celina Mutual.

How does Credit Score Impact Celina Mutual and Cincinatti Financial Rates?

Did you know that many car insurance carriers take your credit score into account when calculating prices? This isn't always the case (for example, Massachusetts and California are two states that ban the practice entirely), but it does affect several policyholders out there.

The reasoning insurance companies use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper rates, while those with poor credit will usually be forced to pay more.

Looking at Celina Mutual and Cincinatti Financial specifically, which one has the most affordable prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Celina Mutual or Cincinatti Financial 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. Generally, the more miles you drive, the more you can expect to pay for car insurance.

In this case, neither Celina Mutual or Cincinatti Financial report increasing rates for drivers with higher annual mileage figures. Cincinatti Financial comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle annually, with average premiums of $200 a month for both.

Celina Mutual vs. Cincinatti Financial: 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 sizable 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 cars on the road in those areas, which increases the chances of an accident.

Cincinatti Financial normally comes out as the cheaper option for drivers in rural and urban areas, while Celina Mutual wins in suburban areas.

In urban areas, Cincinatti Financial's average prices are about $157 less than Celina Mutual Insurance. Drivers in suburban ZIP codes pay around $14 less with Celina Mutual compared to Cincinatti Financial. If you live in a rural area, you can expect to save about $72 with Cincinatti Financial compared to Celina Mutual.

Celina Mutual vs. Cincinatti Financial 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, and 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 challenging 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.

In the section below, we've taken a look at all of the different discounts Celina Mutual and Cincinatti Financial offer their customers so that you can find the company that has the most discounts and, therefore, the biggest savings.

Celina Mutual blows Cincinatti Financial away when it comes to the sheer amount of discounts available, offering seven more discounts than Cincinatti Financial.

A couple of those are overlapping for things like advance quote discounts, anti-theft discounts, and discounts for being a good student. Celina Mutual also offers claim free discounts, continuous insurance discounts, driver training discounts, and more that Cincinatti Financial does not.

On the flip side, Cincinatti Financial has a couple unique discounts of its own -- COVID-19 relief discount, group discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Celina Mutual or Cincinatti Financial Best for You?

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each company offers, too. That's all well and good, but at the end of the day, which carrier is the right one for you and your specific profile and needs?

Cincinatti Financial might be best for you if....

• You have a DUI charge on your record.
• You want basic insurance coverage at the state minimum limits.
• You are over 65 years old and want to save some money on your car insurance.

Celina Mutual might be best for you if...

• You're looking for discounts -- Celina Mutual has the most.
• You live in an suburban area.

We hope this guide helps you get a better idea of the difference between Celina Mutual and Cincinatti Financial and that you can now make a more informed 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 several carriers, not just Celina Mutual and Cincinatti Financial. 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 companies in your area, all in just a few minutes.

Celina Mutual vs. Cincinatti Financial FAQs

Is Celina Mutual or Cincinatti Financial cheaper?

Looking just at the national average prices, Cincinatti Financial is the less expensive of the two carriers, offering average rates of $200 per month compared to $272 for Celina Mutual. Even so, Cincinatti Financial won't necessarily be the lowest company for everyone, since there are multiple different variables that come into play when it comes to your car insurance bill.

Who is better, Celina Mutual or Cincinatti Financial?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Celina Mutual and Cincinatti Financial offer me different rates?

Car insurance companies take a look at lots of different factors when determining the rates they charge drivers. Variables such as your driving record, gender, where you call home, age, and sometimes even things like your credit score can all be taken into consideration. Both Celina Mutual and Cincinatti Financial calculate premiums using different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a variety of different carriers.

How do I know if Celina Mutual or Cincinatti Financial is right for me?

The only way to find the auto insurance carrier 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 ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the cheapest rate. And who knows, the best company for you might not be Celina Mutual or Cincinatti Financial 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.