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

Quick Facts

• Based on national averages for car insurance, Nationwide offers significantly cheaper rates than Celina Mutual
• Nationwide tends to be a much less expensive option for single people who will be the only person on the insurance policy
• Nationwide may help you save more money -- they offer more discounts than Celina Mutual Insurance

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

Are you considering 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've maybe even narrowed your search down to Celina Mutual or Nationwide for your next policy, but between the two, which company has more affordable prices for auto insurance?

As you can see, Nationwide is quite a bit cheaper than Celina Mutual, with rates averaging $170 a month compared to $272 with Celina Mutual when looking at the national average rates for insurance.

That being said, that doesn't necessarily mean Nationwide will be the less expensive option for every single driver. Car insurance carriers vary their premiums depending on things like how good your credit score is, how old you are, where you live, how clean your driving record is, and tons of other factors, so prices could differ drastically from person to person.

So, if you want to find out which of Celina Mutual or Nationwide is really the best for you, keep reading to see average premiums for each company broken down by a variety of different rate factors.

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

Celina Mutual and Nationwide only compete against each other in Tennessee, where Nationwide offers the cheaper average rates. Nationwide drivers tend to pay about $137 per month less on average compared to drivers who use Celina Mutual for their insurance.

But there's more to calculating car insurance premiums than just where you call home. Read on to learn more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers generally pay a lot more for auto insurance than any group on the road. It's typically because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. Just look at the table above -- where 18-year-old drivers who have Nationwide for their car insurance pay over 45% less than those who use Celina Mutual.

Even so, with both companies, you'll see your prices drop significantly once you turn 25. For example, average premiums for Celina Mutual policyholders decrease around $450 and Nationwide's prices lower almost $250 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally 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 Nationwide specifically, which carrier is best for retired drivers? Nationwide gets the edge, with rates for drivers 65 and older more than 25% cheaper than the national average for Celina Mutual.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance premiums tend to be less expensive for married policyholders than they are for those who are single. That's because policies for married drivers usually cover more than one vehicle, which a lot of carriers will give you a discount for.

For single policyholders, the difference in average rates between these two companies is significant, with Nationwide premiums coming in at about 40% less than Celina Mutual's. For married couples, the advantage is clear again - Nationwide has the edge when it comes to average prices.

Celina Mutual or Nationwide: Average Rates by Gender

Because women are less likely to get into accidents and get tickets, they are less likely to file a claim with insurance. So, women tend to get cheaper rates than men.

On average, men see rates around $25 a month higher with Celina Mutual, and over $10 with Nationwide.

Looking at overall affordability, Nationwide comes out as the cheapest option for both genders. On average, women save about $94 per month and men save about $109 with Nationwide compared to the average Celina Mutual policyholder.

Celina Mutual vs. Nationwide: 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 a range 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 (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, Nationwide has the edge, with average monthly premiums coming in at $112. If you want a full coverage policy with the same state minimum limits, Nationwide again has the edge, with policies averaging around $229 a month to Celina Mutual's $403.

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

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

It's no secret secret that at-fault collisions and speeding tickets lead to higher prices, but which company -- Celina Mutual or Nationwide -- has the most affordable premiums 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 normally expect their monthly bill to go up about 17% after getting a speeding ticket. Nationwide policyholders can expect a less drastic increase of around 16%.

However, Nationwide is generally the cheaper option for drivers both with a ticket and with a clean record -- their rates are around 19% more affordable for drivers with clean records and 19% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Celina Mutual drivers who get in a collision can expect to see their rates increase by over 45%, while those who have insurance through Nationwide will see about a 30% increase.

At the end of the day, the more affordable prices come from Nationwide, with average rates coming in at $178 compared to Celina Mutual Insurance's $285.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- usually a lot more than an accident or speeding ticket. Celina Mutual drivers usually see a 67% increase in their insurance premiums after a DUI charge, while Nationwide will typically raise prices by around 46%.

How does Credit Score Impact Celina Mutual and Nationwide Rates?

Often times, your credit score can come into play when carriers determine your monthly bill. This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it will come into play for lots of policyholders.

The reasoning car insurance companies use is that drivers 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 normally be forced to pay more.

So, which carrier offers the best premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Celina Mutual or Nationwide 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 how much auto insurance carriers will charge for coverage. That's because the more milage you put on your vehicle, 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 prices for Nationwide, with policyholders who drive the least paying about $1 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Nationwide is the less expensive company.

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

Where you park your car can have a substantial impact on your monthly insurance payment. Generally, 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.

Nationwide tends to offer the lowest rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Nationwide's average prices are around 47% less than Celina Mutual Insurance. People who live in suburban areas pay about 13% less with Nationwide compared to Celina Mutual. Those in rural areas can expect to save around 41% with Nationwide compared to Celina Mutual.

Celina Mutual vs. Nationwide Discounts

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

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for 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 Nationwide so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, Nationwide has the advantage when it comes to total number of discounts. Celina Mutual offers a grand total of 17 discounts, while Nationwide has 22.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for getting driver training, and multi-policy discounts. Nationwide also offers discounts for agency transfer, distant student, employee discount, 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, empty nester discounts, and more.

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

So, we've broken down the average premiums for many of the variables auto insurance companies look at, and we've shown you all the discounts each company offers. That's all well and good, but at the end of the day, is Celina Mutual or Nationwide the best carrier for you and your specific needs?

Nationwide might be best for you if....

• You are considering moving to another state -- undefined only offers policies to residents.
• You're looking for the best prices on liability only coverage.
• You don't spend much time in your car.

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 good idea of the differences between Celina Mutual and Nationwide. We also hope we've given you the information you need to make the best decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Celina Mutual and Nationwide. Luckily, Compare.com makes it easy for you to do just that. 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. Nationwide FAQs

Is Celina Mutual or Nationwide cheaper?

Nationwide is the cheaper of the two carriers when looking at national average premiums, with policies averaging $170 per month with Nationwide and $272 for Celina Mutual. But that doesn't mean Nationwide will be the most affordable carrier for each policyholder, since there are multiple different factors that come into play when it comes to your auto insurance bill.

Who is better, Celina Mutual or Nationwide?

Unfortunately, the only answer we can give you is "it depends.". No one company is necessarily "better" for everyone -- it all depends on the makeup of your unique insurance profile.

Why do Celina Mutual and Nationwide offer me different rates?

Auto insurance companies use several different variables when determining the rates they charge. Factors such as your driving record, age, where you call home, gender, and sometimes even things like your credit score can all come into play. Both Celina Mutual and Nationwide calculate prices using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from a handful of 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 information once and you'll get quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Celina Mutual or Nationwide 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.