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

Quick Facts

• Based on national averages for auto insurance, Farmers Mutual of Tennessee offers significantly less expensive premiums than Celina Mutual
• Celina Mutual offers more discounts than Farmers Mutual of Tennessee
• Farmers Mutual of Tennessee has cheaper rates for drivers who have less-than-stellar credit

Celina Mutual vs. Farmers Mutual of Tennessee: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. 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 have narrowed it down to Celina Mutual or Farmers Mutual of Tennessee for your next policy, but which company will offer you more affordable prices?

Looking at the national average rates for both companies, Celina Mutual is quite a bit more expensive than Farmers Mutual of Tennessee, with premiums averaging $272 per month compared to just $100 with Farmers Mutual of Tennessee.

However, Farmers Mutual of Tennessee may not be the most affordable or best option for every single driver out there. Car insurance carriers use tons of complex algorithms to calculate rates, so depending on how clean your driving record is or how old you are (among a whole bunch of other factors), you could see wildly different premiums from the ones above.

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

Celina Mutual or Farmers Mutual of Tennessee: Average Car Insurance Rates by State

Both Celina Mutual and Farmers Mutual of Tennessee only offer auto insurance in Tennessee, so you'll see that the average figures here will mirror the ones we mentioned above. For Tennessee residents, Farmers Mutual of Tennessee offers car insurance for $100 a month on average. Celina Mutual's average premiums come out to be over 70% more expensive, at $272 monthly.

Typically, where you live will play a huge role in how much you pay for insurance, but since both companies only do business in Tennessee, lots of other factors will come into play when you compare Celina Mutual and Farmers Mutual of Tennessee. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car 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 an insurance claim, making them much riskier to insure.

But still, even with seemingly sky-high prices, teen drivers can still find ways to save money. As you can see above, teens who use Farmers Mutual of Tennessee save nearly $500 a month compared to those who use Celina Mutual.

Even so, both companies will decrease rates by the time you turn 25. For example, average prices for Celina Mutual policyholders lower more than 60% and Farmers Mutual of Tennessee's premiums reduce over 55% over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll typically enjoy the lowest 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 prices for insurance.

When looking at Celina Mutual and Farmers Mutual of Tennessee specifically, which company is best for retired drivers? Farmers Mutual of Tennessee gets the edge, with premiums for drivers 65 and older more than 60% less expensive than the national average for Celina Mutual.

Which is the Best Company for Married Drivers?

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

When it comes to relationship status, Farmers Mutual of Tennessee is the clear winner for single policyholders, with premiums about $218 per month cheaper than Celina Mutual, on average. For married policyholders, the advantage is clear again - Farmers Mutual of Tennessee has the edge when it comes to average prices.

Celina Mutual vs. Farmers Mutual of Tennessee: Average Rates by Gender

Did you know men normally pay more for car insurance than women? This is because men are statistically more likely than women to get into an accident or get pulled over for speeding, which leads to increased risk for insurers and, therefore, higher rates.

With Celina Mutual, men usually pay over $25 a month more than women, while with Farmers Mutual of Tennessee, the difference is closer to $17 per month.

When it comes to the cheapest prices for each gender, Farmers Mutual of Tennessee comes out as the lowest option for both genders, with average rates $177 less for men and $167 cheaper for women.

Celina Mutual or Farmers Mutual of Tennessee: 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.

It's no secret that auto insurance can be pretty complicated. There are several different coverages that account for a variety of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that many drivers look at fall into two categories -- liability only (which covers the other party's property damage and injuries if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Farmers Mutual of Tennessee typically offers significantly more affordable premiums of $44 compared to Celina Mutual's $140. When it comes to full coverage policies with similar limits, Farmers Mutual of Tennessee again has the edge, with policies around $250 a month cheaper than Celina Mutual, on average.

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

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

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Farmers Mutual of Tennessee car insurance policies don't report seeing their rates increase after getting a ticket, but Celina Mutual policyholders can expect to see their monthly bill increase by.

That being said, Farmers Mutual of Tennessee has less expensive premiums for drivers in both categories, offering rates that are 44% and 54% cheaper, respectively, compared to Celina Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Celina Mutual policyholders who get in a collision can expect to see their prices climb by over 45%, while those who have insurance through Farmers Mutual of Tennessee will see about a 3% increase.

Overall, drivers who use Farmers Mutual of Tennessee end up with the cheaper prices after an accident, with monthly rates averaging $89 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 accident or ticket when it comes to your insurance bill. For example, Celina Mutual increases average premiums 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 prices, Farmers Mutual of Tennessee tends to be the much more affordable option with average premiums of $137 per month compared to $462 from Celina Mutual.

How does Credit Score Impact Celina Mutual and Farmers Mutual of Tennessee Rates?

Did you know that many car insurance companies take your credit score into account when calculating prices? This isn't always the case (for example, Hawaii and Massachusetts are two states that ban the practice entirely), but it will come into play for many drivers.

Auto insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking specifically at Farmers Mutual of Tennessee and Celina Mutual, which carrier has the best rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, you'll usually find a better deal with Farmers Mutual of Tennessee. Drivers with "excellent" credit can save more than 45% compared to Celina Mutual, and those with "good" scores can also expect to see savings -- around $130 or 58% less expensive every month.

Which Company is Best for Drivers with Bad Credit?

Farmers Mutual of Tennessee typically offers lower premiums than Celina Mutual when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $186 a month less with Farmers Mutual of Tennessee compared to Celina Mutual, and those with "poor" scores normally save an average of around $295 a month.

Is Celina Mutual or Farmers Mutual of Tennessee Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly prices? Usually, those who drive less will end up with more affordable rates since there's less of a chance of getting into an accident and causing an insurance claim.

In this case, neither Celina Mutual or Farmers Mutual of Tennessee report increasing prices for drivers with higher annual mileage figures. That being said, Farmers Mutual of Tennessee comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle each year, with average rates of $100 per month for both.

Celina Mutual vs. Farmers Mutual of Tennessee: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can have a large impact on your monthly car insurance payment. Generally, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers because there are a lot more cars on the road in those areas, which increases the chances of an accident.

Farmers Mutual of Tennessee boasts the cheapest average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

If you live in a rural area, you can expect to save about 65% with Farmers Mutual of Tennessee compared to Celina Mutual. Drivers in suburban ZIP codes pay around 48% less with Farmers Mutual of Tennessee compared to Celina Mutual. In urban areas, Farmers Mutual of Tennessee's average prices are about 70% less than Celina Mutual Insurance.

Celina Mutual vs. Farmers Mutual of Tennessee Discounts

Regardless of why you might be in the market for a new 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 auto insurance discounts as you can.

The difficult part is finding all of the discounts you can take advantage of, since it can feel sometimes like every company has different discounts and each one is advertised differently.

In the section below, we've compared all of the different discounts offered by Celina Mutual and Farmers Mutual of Tennessee so that you can find the one that has the most discounts and, therefore, the biggest savings.

Celina Mutual knocks Farmers Mutual of Tennessee out of the park when it comes to the sheer number of discounts available, offering 17 different discounts to Farmers Mutual of Tennessee's five.

Both companies offer quite a few of the same discounts -- like discounts for being a defensive driver and multi-policy discounts -- but Celina Mutual also offers advance quote discounts, anti-theft discounts, claim free discounts, and more that Farmers Mutual of Tennessee does not.

On the flip side, Farmers Mutual of Tennessee has a couple unique discounts of its own -- forgiveness discounts, discounts for being a good driver, and discounts for insuring multiple cars with the same company.

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

So, you've seen how different factors can affect your car insurance premiums. We've shown you all the discounts each carrier offers, too. That's all well and good, but at the end of the day, is Celina Mutual or Farmers Mutual of Tennessee the best carrier for you, your vehicle, and your wallet?

Farmers Mutual of Tennessee might be best for you if....

• You have a DUI charge on your record.
• You're looking for more protection with "full coverage" auto insurance.
• You've started working from home and don't have much of a commute.

Celina Mutual might be best for you if...

• You care about discounts (Celina Mutual offers the most).

We hope this guide helps you get a good idea of the differences between Celina Mutual and Farmers Mutual of Tennessee 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 Mutual of Tennessee. Luckily, Compare.com makes it easy for you to do just that. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Celina Mutual vs. Farmers Mutual of Tennessee FAQs

Is Celina Mutual or Farmers Mutual of Tennessee cheaper?

Looking just at the national average rates, Farmers Mutual of Tennessee is the less expensive of the two carriers, offering average rates of $100 a month compared to $272 for Celina Mutual. But Farmers Mutual of Tennessee won't necessarily be the lowest company for every driver, since there are lots of different variables that come into play when it comes to your car insurance cost.

Who is better, Celina Mutual or Farmers Mutual of Tennessee?

Sadly, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for each driver -- it all depends on what your unique insurance profile looks like.

Why do Celina Mutual and Farmers Mutual of Tennessee offer me different rates?

Auto insurance companies take a look at lots of different factors when determining the premiums they charge policyholders. Things like gender, your driving record, age, where you live, and sometimes even things like your credit score can all come into play. Both Celina Mutual and Farmers Mutual of Tennessee calculate prices using different formulas, so each one will most likely offer different premiums. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different carriers.

How do I know if Celina Mutual or Farmers Mutual of Tennessee is right for me?

The only way to find the car 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, sites like Compare.com do all the hard work for you. Just enter your area information 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 best price. And who knows, the best company for you might not be Celina Mutual or Farmers Mutual of Tennessee 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.