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

Quick Facts

• Based on national averages for car insurance, State Auto offers slightly cheaper premiums than Celina Mutual
• Celina Mutual offers more affordable prices for policyholders who have a clean driving record, free of collisions, tickets, or DUIs
• State Auto has more affordable rates for policyholders who have a short commute

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

So, you're considering 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 State Auto, but between the two, which company will save you the most?

As you can see, Celina Mutual is around $13 more a month than State Auto when looking at the national average rates for auto insurance.

But that doesn't necessarily mean State Auto will be the less expensive option for every driver. Insurance carriers vary their premiums depending on things like how clean your driving record is, how old you are, how good your credit score is, where you live, and a ton of other factors, so prices will vary quite a bit from person to person.

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

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

Celina Mutual and State Auto only compete against each other in Tennessee, where State Auto offers the cheaper average premiums. State Auto drivers tend to pay about $75 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 cost than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group on the road. Usually, that'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 Celina Mutual save over 4% a month compared to those who use State Auto.

That being said, both companies will offer you dramatically lower prices once you turn 25. State Auto offers the steepest reduction, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. Celina Mutual's average rates decrease more than 60% during that same period.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the lowest car insurance premiums out there. After all, they've likely been driving for quite some time, which generally decreases their chances of accidents and other infractions that can raise prices.

So, which carrier offers the best rates to retired drivers? In this case, State Auto has the slight edge, with premiums about $1 per month less than Celina Mutual. However, that difference is less than 5%, which means it ultimately will come down to other variables, like your credit score or your driving record.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance prices than married policyholders. That's because policies for married drivers normally cover several vehicles, which quite a few carriers will give you a discount for.

If you're in the market for car insurance, State Auto tends to have the cheapest average rates regardless of marital status, with prices around $15 cheaper for married couples and about $10 more affordable for single drivers.

Celina Mutual or State Auto: Average Rates by Gender

Men are statistically more likely than women to cause a collision and get into accidents, which means they'll usually end up paying more for auto insurance than women.

With Celina Mutual, women typically pay over $25 a month less than men, and around $24 less with State Auto.

When it comes to the most affordable prices for each gender, State Auto comes out on top for both men and women, with average premiums 5% less for men and 4% cheaper for women.

Celina Mutual vs. State Auto: 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 insurance can be a complicated subject for most people. 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.

The two most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

When it comes to state minimum limits for liability insurance, Celina Mutual has the edge, while State Auto offers the lowest average rates for full coverage policies with similar coverage limits. Policyholders looking for basic state minimum coverage can save around $10 with Celina Mutual Insurance, while full coverage comes out to be about $35 less expensive with State Auto Insurance.

Is Celina Mutual or State Auto Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto 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 collisions on your record, but which of these two companies offers the most affordable premiums to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

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

Even so, Celina Mutual is generally the cheaper option for drivers both with a ticket and with a clean record, offering prices that are $16 and $33 less expensive, respectively, compared to State Auto 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 State Auto will see around a 35% increase.

At the end of the day, drivers who use State Auto end up with the cheaper prices after an accident, with average rates coming in at $269 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 -- typically a lot more than a collision or speeding ticket. On average, Celina Mutual will climb your prices about 67% after a DUI, while State Auto's average premiums increase by more than 55%.

But if you end up with a DUI charge and are looking for more affordable prices, State Auto tends to be more affordable for the average driver, with monthly premiums coming in at around $380 to Celina Mutual's $462.

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

Did you know many auto insurance carriers take into account your credit score when determining rates? This isn't true for everyone (for example, Massachusetts and Michigan are two states that ban the practice entirely), but it will come into play for several drivers.

The reasoning insurance companies use is that policyholders with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with cheaper prices.

Looking specifically at Celina Mutual and State Auto, which carrier has the best rates 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 State Auto 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 your monthly car insurance bill. That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

In this case, neither Celina Mutual or State Auto report increasing premiums for drivers with higher annual mileage figures. Even so, State Auto comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average prices of $259 per month for both.

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

Where your home is can play a large role in how much you pay for insurance. Normally, those who live in rural areas will pay less than policyholders in urban areas since there are a lot fewer cars on the roads where they live.

State Auto usually comes out as the more affordable option for drivers in rural and urban areas, while Celina Mutual wins in suburban areas.

If you live in a rural area, you can expect to pay about $225 a month with State Auto and $254 with Celina Mutual. Drivers in suburban ZIP codes pay a monthly rate of around $183 with Celina Mutual compared to $236 with State Auto. In urban areas, State Auto's average prices are about $317 while Celina Mutual offers rates around $377.

Celina Mutual vs. State Auto Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by taking advantage of as many car insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you can take advantage of.

Luckily, we did the hard work for you and looked at all of the different discounts Celina Mutual and State Auto offer their customers so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Looking at the total number of discounts, State Auto has a slight advantage when it comes to total number of discounts. Celina Mutual offers a grand total of 17 discounts, while State Auto has 18.

Both carriers offer quite a few of the same discounts -- like discounts for being a defensive driver, discounts for getting driver training, and paid in full discounts -- but State Auto also offers discounts for ABS, advantage program , COVID-19 relief, 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 State Auto Best for You?

So, we've broken down the average premiums for many of the factors auto insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best carrier for you and your specific needs?

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

• Your driving record includes a DUI charge.
• You live in a rural area.
• You've started working from home and don't have much of a commute.

Celina Mutual might be best for you if...

• You've been pulled over for speeding recently.
• You're looking for the best rates on liability only coverage.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between Celina Mutual and State Auto and that it aids in making a more informed decision about 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 car insurance -- comparing quotes from a handful of carriers, not just Celina Mutual and State Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top insurance companies in your area, all in just a few minutes.

Celina Mutual vs. State Auto FAQs

Is Celina Mutual or State Auto cheaper?

State Auto is the less expensive of the two carriers when looking at national average premiums, with policies averaging $259 a month with State Auto and $272 for Celina Mutual. That being said, that doesn't mean State Auto will be the cheapest carrier for every policyholder, since there are a range of different variables that are considered when it comes to your auto insurance payment.

Who is better, Celina Mutual or State Auto?

Sadly, the only answer we can give you is "it depends.". No one company is necessarily "better" for each policyholder -- it all depends on the makeup of your unique insurance profile. For example, Celina Mutual is more affordable for drivers with excellent credit, while State Auto offers cheaper prices for drivers with a recent DUI.

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

Car insurance companies use a lot of different factors when calculating the rates they charge. Things such as where you park your vehicle, gender, age, where you call home, and sometimes even things like your credit score can all come into play. Both Celina Mutual and State Auto calculate premiums using different variables, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from several different carriers.

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

The only way to find the 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 best price. And maybe you'll find that the best carrier for you isn't Celina Mutual or State Auto 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.