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

Quick Facts

• In general, Penn National offers less expensive prices than Celina Mutual
• Celina Mutual has more affordable premiums for policyholders who live in the suburbs
• Penn National offers cheaper average rates for single people who will be the only person on the auto insurance policy

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

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might be considering Celina Mutual or Penn National as potential options, but which carrier has less expensive prices for insurance?

Looking at nationwide averages, Penn National is around $54 a month cheaper than Celina Mutual.

That being said, Penn National may not be the most affordable or best option for every driver out there. Auto insurance carriers use tons of complex algorithms to determine premiums, so depending on how good your credit score is or how old you are (among a wide array of other factors), you could see wildly different prices from the ones above.

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

Celina Mutual vs. Penn National: Average Car Insurance Rates by State

Celina Mutual and Penn National only compete against each other in Tennessee, where Penn National offers the cheaper average rates. Penn National drivers tend to pay about $138 per month less on average compared to drivers who use Celina Mutual for their car insurance.

There's a lot more that goes into your auto insurance payment than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

However, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. For example, 18-year-old drivers pay an average of almost 35% less a month by choosing Penn National over Celina Mutual.

Even so, both companies will offer you dramatically lower rates by the time drivers turn 25. Penn National 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 prices lower over 60% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you can find.

When looking at Celina Mutual and Penn National specifically, which carrier is best for retired drivers? In this case, Penn National has the slight edge, with prices about $5 per month less than Celina Mutual. But the difference is only around 5%, so other variables will likely come into play when determining which company has the lowest premiums for you.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are normally more affordable for married couples than they are for single drivers? This usually boils down to married drivers having several vehicles on their policy -- something a lot of auto insurance carriers will reward with discounts.

For single policyholders, the difference in average premiums between these two companies is significant, with Penn National rates coming in at a quarter less than Celina Mutual's. It's not quite so glaring for married policyholders, where drivers who use Penn National save about 7% a month.

Celina Mutual or Penn National: Average Rates by Gender

Did you know women tend to pay less for insurance than men? This is because men are statistically more likely than women to get into collisions and file an insurance claim, which leads to increased risk for insurers and, therefore, higher prices.

Typically, women see rates around $25 per month less expensive with Celina Mutual, and about $5 with Penn National.

Looking at overall affordability, Penn National comes out as the most affordable option for both genders. On average, male drivers save about $65 a month and women save around $43 with Penn National compared to the average Celina Mutual policyholder.

Celina Mutual vs. Penn National: 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. Everyone needs car insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

That being said, most policies end up falling into two different types of coverage -- liability coverage (which provides property damage and bodily injury coverage for other drivers and passengers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

When it comes to state minimum liability insurance, Celina Mutual has the edge, while Penn National offers the lowest average premiums for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $4 with Celina Mutual Insurance, while full coverage comes out to be about $100 more affordable with Penn National Insurance.

Is Celina Mutual or Penn National Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance carriers 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 accidents and speeding tickets on your record, but which of these two companies offers the cheapest premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers who use Celina Mutual for their car insurance can typically expect their monthly bill to go up around 17% after getting a speeding ticket. Penn National policyholders can expect a bit more drastic of an increase of about 22%.

But Penn National tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are $15 and $6 cheaper, respectively, compared to Celina Mutual Insurance.

Which Company is Best for Drivers After an Accident?

Celina Mutual policyholders who get in an accident can expect to see their premiums climb by over 45%, while those who have insurance through Penn National will see around a 35% increase.

At the end of the day, Penn National offers the lowest prices for drivers with an at-fault collision on their records, with average rates coming in at $206 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 auto insurance bill -- generally a lot more than a collision or speeding ticket. On average, Celina Mutual will climb your premiums about 67% after a DUI, while Penn National's average rates rise by nearly 60%.

But if you end up with a DUI charge and are looking for more affordable prices, Penn National tends to be more affordable for the average driver, with monthly premiums coming in at around $346 to Celina Mutual's $462.

How does Credit Score Impact Celina Mutual and Penn National Rates?

Did you know many insurance carriers take into account your credit score when determining rates? This isn't true for everyone (Hawaii, for example, has banned the use of credit score as an insurance factor) but it will come into play for many drivers.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking specifically at Penn National and Celina Mutual, which company has the most affordable prices for drivers 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 Penn National Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a pretty big impact on how much car insurance carriers will charge for coverage. Typically, those who drive less will end up with less expensive premiums since there's less of a chance of causing an accident and filing an insurance claim.

In this case, neither Celina Mutual or Penn National report increasing rates for drivers with higher annual mileage figures. Even so, Penn National comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average prices of $218 per month for both.

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

Where you call home can have a considerable impact on your monthly auto insurance cost. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer vehicles on the road where they live, which decreases the chances of an accident.

When comparing these two companies side-by-side, Penn National generally comes out as the cheaper option for drivers in rural and urban areas, while Celina Mutual wins in suburban areas.

For drivers in urban ZIP codes, Penn National Insurance's average premiums are about 27% less than Celina Mutual Insurance. People who live in suburban areas pay around 14% less with Celina Mutual compared to Penn National. Those in rural areas can expect to save about 35% with Penn National compared to Celina Mutual.

Celina Mutual vs. Penn National Discounts

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

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Celina Mutual and Penn National so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Overall, Celina Mutual has a slight advantage when it comes to total number of discounts. Penn National offers a grand total of 16 discounts, while Celina Mutual has 17.

Both carriers offer a lot of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for being a good student, and passive restraint discounts -- but Celina Mutual also offers discounts for claim free, continuous insurance, EFT, and more.

On the other hand, Penn National has a few proprietary discounts of their own for things like ABS discounts, added pip option discounts, distant student discounts, and more.

Final Thoughts: Is Celina Mutual or Penn National Best for You?

You've seen the effect certain factors have on your car insurance and the different discounts companies offer. That's all well and good, but at the end of the day, which insurance carrier is the right one for you and your specific profile and needs?

Penn National might be best for you if....

• You have an at-fault accident on your record.
• You live in a rural neighborhood.
• You want to save money while purchasing auto insurance for a teenager.

Celina Mutual might be best for you if...

• You're looking for discounts -- Celina Mutual has the most.
• You're looking for the best rates on liability only coverage.
• Your neighborhood is in the suburbs.

Hopefully, this guide helps you get a good idea of the differences between Celina Mutual and Penn National. We also hope we've given you the information you need to make the best decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple carriers, not just Celina Mutual and Penn National. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Celina Mutual vs. Penn National FAQs

Is Celina Mutual or Penn National cheaper?

Penn National is the more affordable of the two carriers when looking at national average premiums, with policies averaging $218 a month with Penn National and $272 for Celina Mutual. However, that doesn't mean Penn National will be the cheapest company for every driver, since there are lots of different variables that are considered when it comes to your insurance bill.

Who is better, Celina Mutual or Penn National?

Sadly, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all boils down to your unique auto insurance profile.

Why do Celina Mutual and Penn National offer me different rates?

Car insurance companies use quite a few different factors when calculating the rates they charge. Variables such as your driving record, gender, age, where you live, and sometimes even things like your credit score can all be taken into consideration. Both Celina Mutual and Penn National calculate prices differently, so it's likely they'll offer different rates. The best way to determine 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 Penn National is right for me?

The only way to find the insurance carrier 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, 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 carriers for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best company for you isn't Celina Mutual or Penn National 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.