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

Quick Facts

• Based on national averages for auto insurance, Celina Mutual offers less expensive premiums than Metlife
• Celina Mutual offers more affordable rates for drivers who have below-average credit
• Metlife may help you save more money -- they offer more discounts than Celina Mutual Insurance

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

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

You might have narrowed it down to Celina Mutual or Metlife as your top options, but which one will offer you cheaper prices?

Looking at the national average rates for both carriers, Celina Mutual is around $68 a month more affordable than Metlife.

Even so, that doesn't mean Celina Mutual will necessarily be less expensive than Metlife for every single driver. After all, insurance companies can offer drastically different rates to every driver depending on rating factors like where you call home, your age, your credit score, or even your driving record (among other things). So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

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

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

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

But there's more to car insurance than just where you live. As we mentioned above, there's a lot of things that go into how insurance carriers determine your premiums. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Celina Mutual save over 25% a month compared to those who use Metlife.

But both companies will offer you dramatically lower prices once you turn 25. For example, average premiums for Celina Mutual policyholders drop about $450 and Metlife's rates decrease around $500 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable insurance prices you'll ever see. You've been on the road for years, and all that experience pays off when it comes to your monthly rates for auto insurance.

But who has the best premiums for retired drivers between Celina Mutual and Metlife? Celina Mutual gets the edge, with rates for drivers 65 and older almost 20% more affordable than the national average for Metlife.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be cheaper for married policyholders than they are for single policyholders. That's because policies for married drivers generally cover several vehicles, which a lot of carriers will give you a discount for.

For those who are single, the difference in average prices between these two companies is significant, with Celina Mutual premiums coming in at a quarter less than Metlife's. The advantage for married couples with Celina Mutual is also obvious, where drivers save about $30 per month.

Celina Mutual or Metlife: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to insurance men will usually end up paying a little more.

Women typically pay nearly 10% a month less than men with Celina Mutual, and almost 10% less with Metlife when compared to their male counterparts.

When it comes to the lowest prices for each gender, Celina Mutual comes out as the most affordable option for both genders. On average, male drivers save about $69 per month and women save around $68 with Celina Mutual compared to the average Metlife policyholder.

Celina Mutual vs. Metlife: 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. There are so many different limits and terms that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum liability limits, Celina Mutual has the significant edge, with average monthly rates coming in at $140. If you want a full coverage policy with the same state minimum limits, Celina Mutual again has the edge, with policies averaging about $403 a month to Metlife's $466.

Is Celina Mutual or Metlife 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.

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two carriers offers the cheapest prices to drivers with less-than-ideal driving 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 around 17% after getting a speeding ticket. Metlife policyholders can expect a bit more drastic of an increase of about 21%.

That being said, Celina Mutual tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering premiums that are 30% and 34% less expensive, respectively, compared to MetLife.

Which Company is Best for Drivers After an Accident?

Both companies will raise rates pretty significantly if you get into an at-fault collision with Metlife climbing by around 40%. Celina Mutual has a less extreme climb, but you can still expect to pay more than 45% more than you were prior to your first accident.

At the end of the day, Celina Mutual offers the lowest premiums for drivers with an at-fault collision on their records, with average rates coming in at $285 compared to MetLife's $368.

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. For example, Celina Mutual increases average prices by more than $300 per month -- that's over a 65% increase.

How does Credit Score Impact Celina Mutual and Metlife Rates?

You may not realized it, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an auto insurance factor) but it will come into play for several drivers.

The reasoning car insurance companies use is that policyholders 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.

So, which carrier offers the best prices 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 Metlife 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 premiums? Normally, those who drive fewer miles will end up with cheaper prices 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 rates for Metlife, with policyholders who drive 6,000 miles annually paying about $3 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Celina Mutual is the more affordable company.

Celina Mutual or Metlife: 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 substantial impact as well. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

When comparing these two carriers side-by-side, Celina Mutual generally comes out as the lowest option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save around 15% with Celina Mutual compared to Metlife. People who live in suburban areas pay about 45% less with Celina Mutual compared to Metlife. For policyholders in urban ZIP codes, Celina Mutual Insurance's average prices are around 3% less than MetLife.

Celina Mutual vs. Metlife Discounts

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

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

Luckily, we did the hard work for you and compared all of the different discounts offered by Celina Mutual and Metlife so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Metlife knocks Celina Mutual out of the park when it comes to the sheer number of discounts available, offering 19 more discounts than Celina Mutual.

There are a couple discounts both companies offer, but Metlife also offers discounts for AAA, ABS, academic, 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 Metlife Best for You?

So, we've broken down the average premiums for many of the factors insurance carriers look at, and we've shown you all the discounts each company offers. That's all well and good, but when it comes down to it, is Celina Mutual or Metlife the best carrier for you and your specific driver profile?

Celina Mutual might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• You live in an urban area.
• You're of retirement age and want to take advantage of lower rates.

Metlife might be best for you if...

• You are considering moving to another state -- undefined is only available in.
• You're looking for the carrier with the most discounts.

Hopefully, this guide helps you get a better idea of the difference between Celina Mutual and Metlife and that you can now make a more informed decision when it comes to your auto 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 insurance -- comparing quotes from a handful of companies, not just Celina Mutual and Metlife. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Celina Mutual vs. Metlife FAQs

Is Celina Mutual or Metlife cheaper?

Celina Mutual is the less expensive of the two companies when looking at national average prices, with policies averaging $272 a month with Celina Mutual and $340 for Metlife. But that doesn't mean Celina Mutual will be the cheapest company for each policyholder, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Celina Mutual or Metlife?

Sadly, the real answer is "it depends.". No one carrier is "better" for every policyholder -- it all depends on what your unique insurance profile looks like.

Why do Celina Mutual and Metlife offer me different rates?

Auto insurance carriers use lots of different factors when determining the rates they charge. Things such as your driving record, where you call home, gender, age, and sometimes even things like your credit score can all be taken into consideration. Both Celina Mutual and Metlife calculate premiums differently, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different companies.

How do I know if Celina Mutual or Metlife 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 does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance companies 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 Metlife 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.