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

Quick Facts

• In general, GEICO offers significantly less expensive prices than Celina Mutual
• Celina Mutual tends to be a much cheaper option for policyholders who live in the suburbs
• GEICO offers more affordable average premiums for policyholders whose driving record contains an at-fault collision

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

So, you're considering switching to a new insurance policy. With so many ads from all sorts of companies offering considerable savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Celina Mutual or GEICO as potential options, but which company will offer you less expensive rates?

Looking at the national average rates for both carriers, GEICO is quite a bit cheaper than Celina Mutual, with prices averaging $185 a month compared to $272 with Celina Mutual.

But that doesn't necessarily mean GEICO will be the cheaper option for every driver. Auto insurance companies vary their premiums depending on things like how old you are, where you live, how good your credit score is, how clean your driving record is, and a variety of other factors, so rates will differ quite a bit from person to person.

So, if you want to find out which of Celina Mutual or GEICO is really the best for you, keep reading to see average prices for each carrier broken down by lots of different rate factors.

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

Celina Mutual and GEICO only compete against each other in Tennessee, where GEICO offers the cheaper average premiums. GEICO drivers tend to pay about $160 per month less on average compared to drivers who use Celina Mutual for their car insurance.

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

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance prices of any group on the road. Usually, 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 rates, teen drivers can still find ways to save money. As you can see above, teens who use GEICO save almost 45% a month compared to those who use Celina Mutual.

That being said, both carriers will offer you dramatically lower premiums by the time drivers turn 25. GEICO offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Celina Mutual's average prices 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 rates out there.

But who has the best premiums for retired drivers between Celina Mutual and GEICO? GEICO gets the edge here, with average prices coming in at around $148 monthly compared to Celina Mutual's $168.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more affordable for married policyholders than they are for single policyholders. That's because policies for married drivers typically cover more than one vehicle, which quite a few companies will give you a discount for.

For single drivers, the difference in average premiums between these two carriers is significant, with GEICO prices coming in at a third less than Celina Mutual's. The advantage for married couples with GEICO is also obvious, where drivers save more than 15% per month.

Celina Mutual or GEICO: Average Rates by Gender

Men are statistically more likely than women to get into accidents and get speeding tickets, which means they'll generally end up paying more for auto insurance than women.

Men normally pay nearly 10% more a month than women with Celina Mutual, but with GEICO, the difference is closer to 4% per month.

Looking at overall affordability, GEICO comes out on top for both men and women, with average rates 34% less for men and 30% cheaper for women.

Celina Mutual vs. GEICO: 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 insurance can be a complicated subject for most people. There are a variety of different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability coverage).

Looking specifically at state minimum limits for liability insurance, GEICO has the significant edge, with average monthly premiums coming in at $101. If you want a full coverage policy with the same state minimum limits, GEICO again has the edge, with policies averaging about $269 a month to Celina Mutual's $403.

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

It's no secret -- drivers with good records end up getting the best deals on their car insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Collisions and speeding tickets will most likely raise your rates, but is Celina Mutual or GEICO less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Celina Mutual for their auto insurance can generally expect their monthly bill to go up around 17% after getting a speeding ticket. GEICO policyholders can expect a bit more drastic of an increase of about 23%.

Even so, GEICO has cheaper prices for drivers in both categories, offering premiums that are $39 and $35 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 rates climb by just under $150, while those who have insurance through GEICO will see around a $85 increase.

At the end of the day, the cheaper premiums come from GEICO, with average prices coming in at $200 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 ticket or even an accident. Celina Mutual drivers usually see a 67% climb in their insurance rates after a DUI charge, while GEICO will normally increase premiums by about 58%.

How does Credit Score Impact Celina Mutual and GEICO Rates?

Did you know many car insurance companies take your credit score into account when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as a car insurance factor) but it will come into play for many policyholders.

The reasoning auto 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 less expensive rates.

Looking at Celina Mutual and GEICO 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 GEICO 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 large impact on your monthly insurance payment? That's because the more milage you drive, the more likely you are to be in a collision and file 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 GEICO, with policyholders who drive the least paying around $8 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, GEICO is the more affordable company.

Celina Mutual or GEICO: 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 pretty big impact as well. Typically, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders since there are a lot more vehicles on the road where they live, which increases the chances of an accident.

When comparing these two companies side-by-side, GEICO tends to offer the cheapest option for drivers in rural and urban areas, while Celina Mutual wins in suburban areas.

For drivers in urban ZIP codes, GEICO's average prices are about $166 less than Celina Mutual Insurance. People who live in suburban areas pay around $2 less with Celina Mutual compared to GEICO. Those in rural areas can expect to save about $95 with GEICO compared to Celina Mutual.

Celina Mutual vs. GEICO Discounts

No matter 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 you can. That's where car insurance discounts comes into play.

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Celina Mutual and GEICO offer their customers so that you can see which carrier can save you the most money each month.

GEICO blows Celina Mutual away when it comes to the sheer amount of discounts available, offering 28 different discounts to Celina Mutual's 17.

There are a couple discounts both carriers offer, but GEICO also offers discounts for ABS, commercial drivers license, COVID-19 relief, and more.

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

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

So, we've broken down the average rates for many of the variables insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, which insurance company is the best one for you and your specific needs?

GEICO might be best for you if....

• You value the experience that comes with a large national auto insurance carrier.
• You care about discounts (GEICO offers the most).
• You've started working from home and don't have much of a commute.

Celina Mutual might be best for you if...

• You live in an suburban area.

Hopefully, this guide helps you get a better idea of the difference between Celina Mutual and GEICO and that it aids in making a more informed decision about your car 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 GEICO. Luckily, Compare.com does all the hard work for you. 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. GEICO FAQs

Is Celina Mutual or GEICO cheaper?

GEICO is the cheaper of the two carriers when looking at national average premiums, with policies averaging $185 per month with GEICO and $272 for Celina Mutual. However, that doesn't mean GEICO will be the most affordable company for everyone, since there are several different factors (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Celina Mutual or GEICO?

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

Why do Celina Mutual and GEICO offer me different rates?

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

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

The only way to find the 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 make it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the best price. And maybe you'll find that the best company for you isn't Celina Mutual or GEICO 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.