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

Wondering if Celina Mutual or Safe Auto is the best insurance carrier for you, your vehicle, and your wallet? We've broken down all the rates and discounts for both companies to help you make a more informed decision. Read on to learn more.
Newly insured car driving down the road
Why You Can Trust Compare.com trust shield

At Compare.com, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust Compare.com.

Quick Facts

  • In general, Safe Auto offers cheaper premiums than Celina Mutual
  • Celina Mutual offers more affordable average prices for drivers who have a speeding ticket on their driving record
  • Safe Auto tends to be a much less expensive option for single people who will be the only person on the auto insurance policy

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

Are you considering a new insurance policy? You've probably seen commercials and billboards from companies offering huge savings, but exactly how much money can you save by switching?

You've maybe even narrowed your search down to Celina Mutual or Safe Auto for your next policy, but which company will save you the most?

Celina Mutual Safe Auto

As you can see, Safe Auto has average rates that are around 18% a month cheaper than those from Celina Mutual when looking at the national average rates for car insurance.

Even so, that doesn't mean Safe Auto will necessarily be less expensive than Celina Mutual for every driver. Auto insurance carriers vary their premiums depending on things like how old you are, how clean your driving record is, how good your credit score is, where you live, and a ton of other factors. So, at the end of the day, prices from every company will differ quite a bit from person to person.

Luckily, we've broken down average rates from both Celina Mutual and Safe Auto by multiple different rate factors, so read on to find out which carrier is the best for you.

Celina Mutual vs. Safe Auto: Average Car Insurance Rates by State

State Celina Mutual Safe Auto

Celina Mutual and Safe Auto only compete against each other in Tennessee, where Safe Auto offers the cheaper average prices. Safe Auto drivers tend to pay about $120 per month less on average compared to drivers who use Celina Mutual for their insurance.

But there's more to auto insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how car insurance companies determine your rates. Keep reading to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Celina Mutual Safe Auto
18-year-old drivers$702$443
25-year-old drivers$267$211

You might already know that teen drivers generally pay a lot more for insurance than any other group of drivers. It'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 premiums, teen drivers can still find ways to save money. As you can see above, teens who use Safe Auto save over 35% a month compared to those who use Celina Mutual.

But both carriers will offer you dramatically lower rates by the time you turn 25. Safe Auto offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. Celina Mutual's average premiums reduce more than 60% during that same period.

Which is the Best Company for Retired Drivers?

Celina Mutual Safe Auto
65+-year-old drivers$168$179

Drivers around retirement age usually enjoy some of the most affordable car insurance prices you'll ever see. After all, they've likely been driving for quite some time, which normally lowers their chances of collisions and other infractions that can raise rates.

So, which company offers the best prices to retired drivers? Celina Mutual gets the slight edge, with premiums for drivers 65 and older about 6% more affordable than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Celina Mutual Safe Auto

Did you know that auto insurance prices are typically less expensive for married drivers than they are for single policyholders? This usually boils down to married policyholders having multiple vehicles on their policy -- something several insurance companies will reward with discounts.

For those who are single, the difference in average premiums between these two carriers is significant, with Safe Auto rates coming in at a quarter less than Celina Mutual's. But for married couples, that advantage is much less clear - Safe Auto offers the lowest average premiums.

Celina Mutual or Safe Auto: Average Rates by Gender

Celina Mutual Safe Auto

Men generally pay more for auto insurance than women. This is because men are statistically more likely than women to get into collisions and get tickets, which leads to increased risk for insurers and, therefore, higher rates.

Generally, women see prices almost 10% per month less with Celina Mutual, but with Safe Auto, the difference is closer to 7% a month.

Looking at overall affordability, Safe Auto comes out on top for both men and women. On average, women save about $44 per month and men save around $54 with Safe Auto compared to the average Celina Mutual policyholder.

Find your best rate in just a few minutes

Celina Mutual vs. Safe Auto: Compare State Minimum vs. Full Coverage Rates

Celina Mutual Safe Auto
State Minimum*$140$126
Full Coverage**$403$320

*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. Everyone needs car insurance, but there are so many different terms and limits that it can be hard to find the right policy for you.

However, most policies that drivers look at fall into two categories -- liability coverage (which provides bodily injury and property damage coverage for other drivers and passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages in addition to liability coverage).

Looking specifically at state minimum liability limits, Safe Auto has the edge, with average monthly rates coming in at $126. If you want a full coverage policy with the same state minimum limits, Safe Auto again has the edge, with policies averaging about $320 a month to Celina Mutual's $403.

Is Celina Mutual or Safe Auto 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.

You'll probably end up paying more with speeding tickets and at-fault accidents on your record, but which of these two companies offers the cheapest prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Celina Mutual Safe Auto
Clean Record$154$180
1 Speeding Ticket$185$220

Policyholders who use Celina Mutual for their car insurance can usually expect their monthly bill to go up around 17% after getting a speeding ticket. Safe Auto policyholders can expect a bit more drastic of an increase of about 18%.

That being said, Celina Mutual has more affordable premiums for drivers in both categories. With Celina Mutual Insurance, drivers with a clean record can save around $26 per month and drivers with a ticket can save about $35 a month.

Which Company is Best for Drivers After an Accident?

Celina Mutual Safe Auto
Clean Record$154$180
1 At-Fault Accident$285$246

Celina Mutual drivers who get in an accident can expect to see their rates increase by just under $150, while those who have insurance through Safe Auto will see around a $65 increase.

At the end of the day, the cheaper premiums come from Safe Auto, with average prices coming in at $246 compared to Celina Mutual Insurance's $285.

Which Company is Best for Drivers with a DUI?

Celina Mutual Safe Auto
Clean Record$154$180
1 DUI$462$245

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your auto insurance bill. Celina Mutual drivers usually see a 67% increase in their car insurance premiums after a DUI charge, while Safe Auto will normally raise rates by about 27%.

Find your best rate in just a few minutes

How does Credit Score Impact Celina Mutual and Safe Auto Rates?

In many cases, your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it does affect quite a few policyholders out there.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with more affordable prices.

Looking specifically at Celina Mutual and Safe Auto, which one has the lowest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Celina Mutual Safe Auto
Excellent Credit Score$168$187
Good Credit Score$226$222

Which Company is Best for Drivers with Bad Credit?

Celina Mutual Safe Auto
Fair Credit Score$287$230
Poor Credit Score$406$252

Find your best rate in just a few minutes

Is Celina Mutual or Safe Auto Better for Drivers who Work from Home or Have Short Commutes?

Celina Mutual Safe Auto
6,000 Annual Miles$272$223
12,000 Annual Miles$272$223

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly insurance bill? Generally, the more milage you drive, the more you can expect to pay for coverage.

In this case, neither Celina Mutual or Safe Auto report increasing premiums for drivers with higher annual mileage figures. Still, Safe Auto 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 $223 per month for both.

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

Where you live can have a considerable impact on your monthly car insurance payment. Usually, 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 roads where they live.

Celina Mutual Safe Auto
Urban Areas$377$271
Suburban Areas$183$200
Rural Areas$254$197

Safe Auto typically comes out as the cheaper option for drivers in rural and urban areas, while Celina Mutual wins in suburban areas.

Those in rural areas can expect to save around 22% with Safe Auto compared to Celina Mutual. People who live in suburban areas pay about 9% less with Celina Mutual compared to Safe Auto. For drivers in urban ZIP codes, Safe Auto's average premiums are around 28% less than Celina Mutual Insurance.

Celina Mutual vs. Safe Auto 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 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're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Celina Mutual and Safe Auto offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Celina Mutual Safe Auto
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount
Claim Free Discount
Continuous Insurance Discount 
Defensive Driver Discount
Driver Training Discount
EFT Discount 
Empty Nester Discount 
Good Student Discount 
Homeowner Discount 
Military Discount 
Minor Child Discount 
Multi-Car Discount 
Multi-Policy Discount 
Non-Owner Discount 
Occupation Discount 
Paid In Full Discount
Passive Restraint Discount
Renewal Discount

Looking at the total number of discounts, Celina Mutual has advantage when it comes to total number of discounts. Safe Auto offers a grand total of 14 discounts, while Celina Mutual has 17.

A couple of those are overlapping for things like claim free discounts, discounts for getting driver training, and paid in full discounts. Celina Mutual also offers discounts for advance quote, continuous insurance, EFT, and more.

On the other hand, Safe Auto has a few proprietary discounts of their own for things like agency transfer discounts, homeowner discounts, military discounts, and more.

Find your best rate in just a few minutes

Final Thoughts: Is Celina Mutual or Safe Auto Best for You?

So, we've broken down the average prices for many of the variables auto insurance companies look at, and we've shown you all the discounts each carrier offers. But, at the end of the day, which company is the right fit for you?

Safe Auto might be best for you if....

  • You want to save money on your insurance after a collision.
  • You and your spouse are buying auto insurance together.

Celina Mutual might be best for you if...

  • You have received a ticket within the last few years.
  • Your neighborhood is in the suburbs.
  • You're of retirement age and want to take advantage of lower rates.

Hopefully, this guide has ben a valuable resource as you compare Celina Mutual and Safe Auto and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of carriers, not just Celina Mutual and Safe Auto. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Find your best rate in just a few minutes

Celina Mutual vs. Safe Auto FAQs

Is Celina Mutual or Safe Auto cheaper?

Safe Auto is the less expensive of the two carriers when looking at national average prices, with policies averaging $223 a month with Safe Auto and $272 for Celina Mutual. Even so, that doesn't mean Safe Auto will be the most affordable carrier for everyone, since there are several different factors that come into play when it comes to your insurance cost.

Who is better, Celina Mutual or Safe Auto?

Sadly, the real answer is "it depends.". No single company is "better" for each policyholder -- it all depends on the makeup of your unique car insurance profile. For example, Celina Mutual is cheaper for drivers who have already retired, while Safe Auto offers less expensive rates for single policyholders.

Why do Celina Mutual and Safe Auto offer me different rates?

Insurance companies use lots of different variables when determining the premiums they charge. Factors such as age, where your home is, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Celina Mutual and Safe Auto use 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 Safe Auto is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, Compare.com makes 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 most affordable price. And maybe you'll find that the best carrier for you isn't Celina Mutual or Safe Auto at all, but another you hadn't even thought of!


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.

About Compare.com

Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of Compare.com's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of Compare.com's content is ever influenced by the companies and brands we partner with.
  • Compare.com's editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on Compare.com is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes