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

Quick Facts

• In general, Farmers offers significantly less expensive rates than Celina Mutual
• Celina Mutual offers more affordable average premiums for residents of suburban areas
• Farmers offers more affordable rates for couples purchasing car insurance together

Celina Mutual vs. Farmers: 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 hefty discounts, you're probably wondering exactly how much you might be able to save.

You've maybe even narrowed it down to Celina Mutual or Farmers for your next policy, but between the two, which one has cheaper prices for insurance?

Looking at the national average rates for both companies, Farmers is quite a bit cheaper than Celina Mutual, with premiums averaging $203 per month compared to $272 with Celina Mutual.

However, that doesn't necessarily mean Farmers will be the less expensive option for each driver. After all, auto insurance carriers can offer drastically different rates to each driver depending on rating factors like your driving record, your credit score, where you call home, or even your age (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

Wanting to know if Celina Mutual or Farmers 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.

Celina Mutual or Farmers: Average Car Insurance Rates by State

Celina Mutual and Farmers only compete against each other in Tennessee, where Farmers offers the cheaper average rates. For Tennessee residents, Farmers offers car insurance for $160 per month on average. Celina Mutual's average premiums come out to be over 60% more expensive, at $272 monthly.

But there's more to calculating insurance prices than just your home state. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers. It's typically because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean that teen drivers have to just accept sky-high car insurance prices. As you can see above, teens who use Farmers save more than $150 a month compared to those who use Celina Mutual.

That being said, both companies will offer you dramatically lower premiums by the time drivers turn 25. Farmers offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Celina Mutual's average rates decrease over 60% during that same period.

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 prices out there.

But who has the best premiums for retired drivers between Celina Mutual and Farmers? Farmers gets the edge here, with average rates coming in at about $143 a month compared to Celina Mutual's $168.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive car insurance prices than married drivers. That's because policies for married couples normally cover more than one car, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Farmers is the clear winner for single policyholders, with premiums around $91 per month cheaper than Celina Mutual, on average. The advantage is also clear for married policyholders - Farmers offers the cheapest average rates.

Celina Mutual vs. Farmers: Average Rates by Gender

Because men are more likely to get into collisions and get tickets, they have a higher chance of filing a claim with insurance. Therefore, insurance companies will tend to charge men more than women.

Typically, women see prices more than $25 a month more affordable with Celina Mutual, while with Farmers, the difference is closer to $7 per month.

Looking at overall affordability, Farmers comes out as the lowest option for both genders. On average, women save about $58 a month and men save about $78 with Farmers compared to the average Celina Mutual policyholder.

Celina Mutual or Farmers: 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. Everyone needs car 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 that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) 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 liability limits, Farmers usually offers cheaper premiums of $126 compared to Celina Mutual's $140. When it comes to full coverage policies with similar limits, Farmers again has the edge, with policies around $100 per month more affordable than Celina Mutual, on average.

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

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

You'll probably end up paying more with at-fault accidents and tickets on your record, but which of these two carriers offers the most affordable rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Celina Mutual policyholders can expect their prices to go up an average of $31 a month if they get a ticket, while Farmers generally raises rates about $44 per month, on average.

Even so, Celina Mutual has less expensive premiums for drivers in both categories, offering rates that are $8 and $21 cheaper, respectively, compared to Farmers Insurance.

Which Company is Best for Drivers After an Accident?

Celina Mutual drivers who get in a collision can expect to see their premiums climb by over 45%, while those who have insurance through Farmers will see around a 30% increase.

Overall, the less expensive prices come from Farmers, with monthly rates averaging $224 compared to Celina Mutual Insurance's $285.

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 speeding ticket or even an accident. Celina Mutual drivers usually see a 67% climb in their insurance prices after a DUI charge, while Farmers will typically raise premiums by about 27%.

How does Credit Score Impact Celina Mutual and Farmers Rates?

Often times, your credit score can come into play when companies calculate your monthly bill. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it might come into play for several policyholders.

The reasoning car insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so usually, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

Looking specifically at Farmers and Celina Mutual, which company has the cheapest rates 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 Farmers Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on your monthly insurance cost. That's because the fewer miles you put on your car each year, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither Celina Mutual or Farmers report increasing premiums for drivers with higher annual mileage figures. Even so, Farmers comes out as the most affordable for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average rates of $203 a month for both.

Celina Mutual vs. Farmers: 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 auto insurance, but the type of area you live in can have a large impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Looking at these companies side-by-side, Farmers tends to offer the cheapest option for drivers in rural and urban areas, while Celina Mutual wins in suburban areas.

In urban areas, Farmers Insurance's average prices are around $126 less than Celina Mutual Insurance. Drivers in suburban ZIP codes pay about $6 less with Celina Mutual compared to Farmers. If you live in a rural area, you can expect to save around $84 with Farmers compared to Celina Mutual.

Celina Mutual vs. Farmers Discounts

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

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.

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

Farmers blows Celina Mutual away when it comes to the sheer amount of discounts available, offering 11 more discounts than Celina Mutual.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, EFT discounts, and paid in full discounts. Farmers also offers ABS discounts, alternative fuel discounts, distant student discounts, and more that Celina Mutual does not.

On the flip side, Celina Mutual has a couple unique discounts of its own -- claim free discounts, continuous insurance discounts, empty nester discounts, and more.

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

So, you've seen how different factors can affect your auto insurance premiums. We've shown you all the discounts each company offers, too. But, at the end of the day, which carrier is the best company for you and your specific needs?

Farmers might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" car insurance.
• You don't spend much time in your car.

Celina Mutual might be best for you if...

• You haven't received any speeding tickets or been in an accident in the last few years.
• You have received a ticket within the last few years.
• Your home is located in the suburbs.

We hope this guide has ben a valuable resource as you compare Celina Mutual and Farmers and that it aids in making a more informed decision about 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 a handful of carriers, not just Celina Mutual and Farmers. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Celina Mutual vs. Farmers FAQs

Is Celina Mutual or Farmers cheaper?

Looking just at the national average rates, Farmers is the less expensive of the two carriers, offering average rates of $203 per month compared to $272 for Celina Mutual. But Farmers won't necessarily be the most affordable company for each policyholder, since there are many different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Celina Mutual or Farmers?

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

Why do Celina Mutual and Farmers offer me different rates?

Car insurance companies take a look at a lot of different factors when calculating the premiums they charge drivers. Things such as where your home is, where you live, gender, age, and sometimes even things like your credit score can all be used. Both Celina Mutual and Farmers calculate prices using different variables, so each one will most likely offer different rates. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Celina Mutual or Farmers 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 information once and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Celina Mutual or Farmers 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.