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

Quick Facts

• Based on national averages for insurance, Celina Mutual offers more affordable prices than Southern
• Celina Mutual offers more affordable rates for policyholders who drive fewer than 6,000 miles every year
• Southern may help you save more money -- they offer more discounts than Celina Mutual Insurance

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

So, you're considering switching to a new insurance policy. After all, you've seen ads from all sorts of companies offering large savings. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Celina Mutual or Southern as your top options, but between the two, which company will offer you cheaper prices?

As you can see, Southern is around $50 more a month than Celina Mutual when looking at the national average rates for car insurance.

However, that doesn't mean Celina Mutual will necessarily be less expensive than Southern for each driver. Insurance carriers vary their premiums depending on things like how clean your driving record is, how good your credit score is, where you live, how old you are, and a variety of other factors, so rates could differ drastically from person to person.

Luckily, we've broken down average premiums from both Celina Mutual and Southern by a variety of different rate factors, so read on to find out which company is the best for you.

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

Celina Mutual and Southern only compete against each other in Tennessee, where Southern offers the cheaper average prices. Southern drivers tend to pay about $16 per month less on average compared to drivers who use Celina Mutual for their auto insurance.

There's a lot more that goes into your car insurance bill than just your home state. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. Usually, that's 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. For example, 18-year-old drivers pay an average of 1% less a month by choosing Celina Mutual over Southern.

Even so, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Celina Mutual policyholders reduce about $450 and Southern's premiums lower almost $450 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll generally enjoy the lowest insurance rates you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

So, which carrier offers the best premiums to retired drivers? Celina Mutual gets the edge, with rates for drivers 65 and older nearly 35% cheaper than the national average for Southern.

Which is the Best Company for Married Drivers?

You may not be aware, but auto insurance prices tend to be more expensive for single drivers than they are for married couples. That's typically because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For those who are single, the difference in average premiums between these two carriers is significant, with Celina Mutual prices coming in at around 10% less than Southern's. The advantage for married drivers with Celina Mutual is also obvious, where drivers save almost 25% per month.

Celina Mutual or Southern: 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.

On average, men see rates nearly 10% a month higher with Celina Mutual, and about 11% more with Southern.

Looking at the data for each company specifically, Celina Mutual offers the cheapest average prices for both men and women. On average, male drivers save about $55 per month and women save around $46 with Celina Mutual compared to the average Southern policyholder.

Celina Mutual vs. Southern: 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 coverages and limits that it can make it pretty confusing to find the right policy for you.

But 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 includes two additional coverages -- collision and comprehensive -- in addition to what you get with liability coverage).

Looking specifically at state minimum liability insurance, 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 Southern's $452.

Is Celina Mutual or Southern 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 accidents and speeding tickets on your record, but which of these two companies offers the most affordable premiums 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 normally expect their monthly bill to go up around 17% after getting a speeding ticket. Southern policyholders can expect a less drastic increase of about 7%.

That being said, Celina Mutual is generally the less expensive option for drivers both with a ticket and with a clean record, offering prices that are 29% and 21% more affordable, respectively, compared to Southern Insurance Company of Virginia.

Which Company is Best for Drivers After an Accident?

Celina Mutual drivers who get in an accident can expect to see their premiums climb by just under $150, while those who have insurance through Southern will see around a $75 increase.

At the end of the day, Celina Mutual offers the cheapest rates for drivers with an at-fault collision on their records, with average prices coming in at $285 compared to Southern Insurance Company of Virginia's $293.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. Southern drivers usually see a 61% raise in their car insurance premiums after a DUI charge, while Celina Mutual will typically increase rates by about 67%.

But if you end up with a DUI charge and are looking for more affordable premiums, Celina Mutual tends to be cheaper for the average driver, with monthly premiums coming in at around $462 to Southern's $548.

How does Credit Score Impact Celina Mutual and Southern Rates?

Did you know many insurance carriers take your credit score into account when determining rates? This isn't true for everyone (for example, California and Michigan are two states that ban the practice entirely), but it might come into play for a lot of policyholders.

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, drivers with bad credit will often be forced to pay more.

So, which carrier offers the most affordable prices 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 Southern Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a large impact on how much insurance carriers will charge for coverage. That's because the fewer miles you drive, the less 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 rates for Southern, with policyholders who drive the least paying about $30 less each month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Celina Mutual is the more affordable company.

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

Where you call home can have a sizable impact on your monthly car insurance payment. Usually, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

When comparing these two companies side-by-side, Celina Mutual normally comes out as the cheapest option for drivers in all types of areas, no matter if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Celina Mutual Insurance's average rates are around 3% less than Southern Insurance Company of Virginia. People who live in suburban areas pay about 34% less with Celina Mutual compared to Southern. Those in rural areas can expect to save around 15% with Celina Mutual compared to Southern.

Celina Mutual vs. Southern 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 qualify for or to nail down the company 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 Southern so that you can see which carrier can save you the most money each month.

Looking at the total number of discounts, Southern comes out ahead with 20 discounts to Celina Mutual's 17.

Both carriers offer several 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 Southern also offers discounts for ABS, experienced operator, family 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, EFT discounts, and more.

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

So, you've seen how different factors can affect your auto insurance premiums. We've broken down the different discounts each carrier offers, too. But, when it comes down to it, which company is the best fit for you?

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

• You will be the only person on the insurance policy.
• You're looking for the best prices on liability only coverage.
• You want to save money while purchasing auto insurance for a teenager.

Southern might be best for you if...

• You want to save extra money with discounts.

Hopefully, this guide helps you get a better idea of the difference between Celina Mutual and Southern and that you can now make a more informed 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 a handful of companies, not just Celina Mutual and Southern. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Celina Mutual vs. Southern FAQs

Is Celina Mutual or Southern cheaper?

Celina Mutual is the less expensive of the two companies when looking at national average rates, with policies averaging $272 per month with Celina Mutual and $322 for Southern. However, that doesn't mean Celina Mutual will be the lowest carrier for every driver, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Celina Mutual or Southern?

Unfortunately, the only answer we can give you is "it depends.". No single company is necessarily "better" for everyone -- it all depends on what your unique car insurance profile looks like.

Why do Celina Mutual and Southern offer me different rates?

Auto insurance carriers use many different factors when calculating the premiums they charge. Variables like gender, age, where you live, your driving record, and sometimes even things like your credit score can all come into play. Both Celina Mutual and Southern calculate prices using different factors, so it's likely they'll offer different premiums. The best way to determine which carrier is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the car insurance company that's right for you is by getting quotes from multiple carriers 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 ZIP code and you'll get quotes from dozens of your local top insurance companies for free. That way, you can guarantee you're getting the cheapest rate. And maybe you'll find that the best carrier for you isn't Celina Mutual or Southern 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.