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

Quick Facts

• In general, Erie offers significantly less expensive prices than Celina Mutual
• Erie offers more affordable premiums for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• Erie offers cheaper average rates for policyholders who live in urban areas

Celina Mutual or Erie: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Celina Mutual or Erie, but which company will save you the most?

As you can see, Celina Mutual has average rates that are around 45% a month more expensive than those from Erie when looking at the national average rates for car insurance.

That being said, Erie may not be the lowest or best option for every driver out there. Insurance carriers use a ton of complex algorithms to determine premiums, so depending on how clean your driving record is or where you live (among many other factors), you could see wildly different prices from the ones above.

Wanting to know if Celina Mutual or Erie is really the right company for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Celina Mutual vs. Erie: Average Car Insurance Rates by State

Celina Mutual and Erie only compete against each other in Tennessee, where Erie offers the cheaper average prices. Erie drivers tend to pay about $127 per month less on average compared to drivers who use Celina Mutual for their car insurance.

That being said, there's a lot more that goes into your auto insurance bill than just the state you live in. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

You might already know that teen drivers usually pay a lot more for car insurance than any other group of drivers. That's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Erie for their insurance pay almost 55% less than those who use Celina Mutual.

However, with both companies, you'll see your rates decrease significantly once you turn 25. For example, average premiums for Celina Mutual policyholders reduce about $450 and Erie's prices lower around $150 over that time.

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 most affordable premiums you can find.

When looking at Celina Mutual and Erie specifically, which carrier is best for retired drivers? Erie gets the edge, with rates for drivers 65 and older $52 more affordable than the national average for Celina Mutual.

Which is the Best Company for Married Drivers?

Married couples tend to get slightly cheaper car insurance prices than those who are single. This usually boils down to married policyholders having more than one vehicle on their policy -- something quite a few insurance carriers will reward with discounts.

For single drivers, the difference in average premiums between these two companies is significant, with Erie prices coming in at about half of Celina Mutual's. The advantage for married drivers with Erie is also obvious, where drivers save around $65 a month.

Celina Mutual or Erie: Average Rates by Gender

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

Usually, women see premiums nearly 10% per month less with Celina Mutual, and about 7% less with Erie.

Looking at the data for each company specifically, Erie offers the cheapest average rates for both men and women, with average prices 45% less for men and 43% cheaper for women.

Celina Mutual vs. Erie: 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.

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

But the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which normally refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Erie has the significant edge, with average monthly premiums coming in at $91. If you want a full coverage policy with the same state minimum limits, Erie again has the edge, with policies averaging around $215 a month to Celina Mutual's $403.

Is Celina Mutual or Erie Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto 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.

It's no secret secret that at-fault accidents and speeding tickets lead to higher rates, but which carrier -- Celina Mutual or Erie -- has the most affordable prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Celina Mutual for their insurance can generally expect their monthly bill to go up about 17% after getting a speeding ticket. Erie policyholders can expect a less drastic increase of around 13%.

Even so, Erie tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are 23% and 26% less expensive, respectively, compared to Celina Mutual Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Celina Mutual can expect to see about an $131 -- or around 46% -- rise in their insurance premiums. Drivers who use Erie for their auto insurance will see a monthly bill about $38 (or 24%) more expensive after reporting an accident to their car insurance company.

At the end of the day, drivers who use Erie end up with the cheaper prices after an accident, with average rates coming in at $157 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 speeding ticket when it comes to your auto insurance bill. Celina Mutual drivers usually see a 67% raise in their insurance prices after a DUI charge, while Erie will normally increase premiums by around 40%.

How does Credit Score Impact Celina Mutual and Erie Rates?

Did you know many auto insurance companies take into account your credit score when determining rates? This isn't true for everyone (for example, are two states that ban the practice entirely), but it might come into play for a lot of drivers.

Car 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 more affordable prices.

So, which carrier offers the best premiums 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 Celina Mutual or Erie 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 insurance cost. Usually, those who drive fewer miles will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Celina Mutual charges. However, there's a small difference in monthly premiums for Erie, with drivers who put 6,000 miles on their car every year paying about $11 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Erie is the less expensive company.

Celina Mutual or Erie: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a big role in how much you pay for auto insurance. Typically, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

Erie boasts the cheapest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to pay around $115 per month with Erie and $254 with Celina Mutual. People in suburban areas pay a monthly rate of about $145 with Erie compared to $183 with Celina Mutual. In urban areas, Erie's average rates are around $194 per month compared to Celina Mutual's $377.

Celina Mutual vs. Erie Discounts

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

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Celina Mutual and Erie so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Erie comes out ahead with 21 discounts to Celina Mutual's 17.

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for getting driver training, and multi-policy discounts -- but Erie also offers discounts for ABS, COVID-19 relief, distant student, and more.

On the other hand, Celina Mutual has a few proprietary discounts of their own for things like claim free discounts, continuous insurance discounts, EFT discounts, and more.

Final Thoughts: Is Celina Mutual or Erie Best for You?

You've seen the role certain factors have on your car insurance and the different discounts carriers offer. But, when it comes down to it, is Celina Mutual or Erie the right one for you and your specific needs?

Erie might be best for you if....

• Your driving record contains an at-fault accident.
• You have below-average credit.
• You want to save money while purchasing auto insurance for a teenager.

Celina Mutual might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide helps you get a better idea of the difference between Celina Mutual and Erie. We also hope we've given you the information you need to make the best decision about your car 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 companies, not just Celina Mutual and Erie. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top auto insurance carriers in your area, all in just a few minutes.

Celina Mutual vs. Erie FAQs

Is Celina Mutual or Erie cheaper?

Erie is the more affordable of the two companies when looking at national average prices, with policies averaging $153 a month with Erie and $272 for Celina Mutual. However, that doesn't mean Erie will be the lowest company for everyone, since there are lots of different variables that are considered when it comes to your insurance payment.

Who is better, Celina Mutual or Erie?

Sadly, the real answer is "it depends.". No one carrier is necessarily "better" for every policyholder -- it all depends on the makeup of your unique car insurance profile.

Why do Celina Mutual and Erie offer me different rates?

Insurance carriers use lots of different factors when calculating the premiums they charge. Things like gender, your driving record, where you live, age, and sometimes even things like your credit score can all come into play. Both Celina Mutual and Erie calculate rates differently, so it's likely they'll offer different premiums. The best way to determine which company is the cheapest for you is by comparing personalized quotes from multiple different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from several 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 ZIP code and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the most affordable premium. And maybe you'll find that the best company for you isn't Celina Mutual or Erie at all, but another you hadn't even thought of!

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.