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

Quick Facts

• Based on national averages for car insurance, State Farm offers significantly more affordable rates than Celina Mutual
• State Farm may help you save more money -- they offer more discounts than Celina Mutual Insurance
• State Farm offers cheaper average premiums for policyholders who are looking to purchase insurance with a spouse

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

So, you're thinking about switching to a new insurance policy. With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might have narrowed your search down to Celina Mutual or State Farm, but between the two, which carrier will offer you less expensive rates?

Looking at the national average rates for both carriers, State Farm is quite a bit cheaper than Celina Mutual, with premiums averaging $158 a month compared to $272 with Celina Mutual.

But that doesn't necessarily mean State Farm will be the cheaper option for each driver. Auto insurance companies use a variety of complex algorithms to determine prices, so depending on how clean your driving record is or how old you are (among many other factors), you could see wildly different premiums from the ones above.

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

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

Celina Mutual and State Farm only compete against each other in Tennessee, where State Farm offers the cheaper average rates. State Farm drivers tend to pay about $132 per month less on average compared to drivers who use Celina Mutual for their car insurance.

But there's more to calculating insurance prices than just your home state. Read on to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. The reason is that teen drivers are statistically much more likely to get into accidents since they have less experience on the roads.

Even so, that doesn't mean teen drivers can't still save money on their insurance. As you can see above, teens who use State Farm save almost 50% a month compared to those who use Celina Mutual.

However, with both carriers, you'll see your rates decrease significantly by the time drivers turn 25. State Farm 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?

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

So, which company offers the best premiums to retired drivers? State Farm gets the edge, with prices for drivers 65 and older nearly 35% less expensive than the national average for Celina Mutual.

Which is the Best Company for Married Drivers?

Those who are single tend to get offered slightly more expensive car insurance rates than married policyholders. That's because policies for married couples generally cover more than one vehicle, which quite a few companies will give you a discount for.

For single policyholders, the difference in average premiums between these two carriers is significant, with State Farm prices coming in at around half of Celina Mutual's. The advantage for married drivers with State Farm is also obvious, where drivers save about $60 per month.

Celina Mutual or State Farm: Average Rates by Gender

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

With Celina Mutual, men usually pay more than $25 a month more than women, and around $12 more with State Farm.

Looking at the data for each carrier specifically, State Farm comes out as the cheapest option for both genders, with average prices $121 less for men and $106 cheaper for women.

Celina Mutual vs. State Farm: 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.

Car insurance isn't the easiest topic to understand. Everyone needs auto 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 (which provides property damage and bodily injury coverage for other drivers if you cause a collision) and full coverage (which includes two additional coverages -- collision and comprehensive -- in addition to what you get with a liability policy).

Looking specifically at state minimum liability insurance, State Farm has the significant edge, with average monthly rates coming in at $99. If you want a full coverage policy with the same state minimum limits, State Farm again has the edge, with policies averaging about $216 per month to Celina Mutual's $403.

Is Celina Mutual or State Farm 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 speeding tickets and at-fault collisions lead to higher premiums, but which company -- Celina Mutual or State Farm -- has the lowest prices for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Celina Mutual for their auto insurance can typically expect their monthly bill to go up around 17% after getting a speeding ticket. State Farm policyholders can expect a less drastic increase of about 14%.

That being said, State Farm is usually the more affordable option for both drivers who have clean records and those with a recent ticket, offering rates that are $20 and $30 less expensive, respectively, compared to Celina Mutual Insurance.

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 State Farm will see around a $30 increase.

At the end of the day, State Farm offers the cheapest prices for drivers with an at-fault collision on their records, with average premiums coming in at $163 compared to Celina Mutual Insurance's $285.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. For example, Celina Mutual increases average rates by more than $300 a month -- that's more than a 65% increase.

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

Did you know many insurance companies take into account your credit score when determining premiums? Certain states and carriers do not allow for credit score to be used as an auto insurance factor, but it might come into play for a lot of policyholders.

Car 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.

Looking specifically at Celina Mutual and State Farm, which company has the most affordable rates for policyholders 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 Farm Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a substantial impact on how much insurance carriers will charge for coverage? Generally, the more milage you put on your car each year, the more you can expect to pay for coverage.

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 State Farm, with drivers who put 6,000 miles on their vehicle yearly paying about $13 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, State Farm is the cheaper carrier.

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

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a big impact as well. Normally, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

State Farm tends to offer the most affordable premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

Those in rural areas can expect to save around $127 with State Farm compared to Celina Mutual. People who live in suburban areas pay about $22 less with State Farm compared to Celina Mutual. For drivers in urban ZIP codes, State Farm's average prices are around $192 less than Celina Mutual Insurance.

Celina Mutual vs. State Farm Discounts

No matter why you might be in the market for a new 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 auto 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 qualify for.

Luckily, we did the hard work for you and compared all of the different discounts offered by Celina Mutual and State Farm so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

State Farm knocks Celina Mutual out of the park when it comes to the sheer number of discounts available, offering six more discounts than Celina Mutual.

There are a couple discounts both companies offer, but State Farm also offers discounts for ABS, annual mileage, distant student, and more.

On the other hand, Celina Mutual has a few proprietary discounts of their own for things like advance quote discounts, claim free discounts, continuous insurance discounts, and more.

Final Thoughts: Is Celina Mutual or State Farm Best for You?

You've seen the effect certain variables have on your car insurance and the different discounts carriers offer. But, at the end of the day, is Celina Mutual or State Farm the right fit for you?

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

• Your driving record includes a DUI charge.
• You're looking for discounts -- State Farm has the most.
• Your neighborhood is in the suburbs.

Celina Mutual might be best for you if...

• You have a more unique driver profile than those we mentioned above.

Hopefully, this guide has ben a valuable resource as you compare Celina Mutual and State Farm. We also hope we've given you the information you need to make the best decision when it comes to your auto 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 State Farm. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple free quotes from some of the best car insurance carriers in your area, all in just a few minutes.

Celina Mutual vs. State Farm FAQs

Is Celina Mutual or State Farm cheaper?

State Farm is the more affordable of the two companies when looking at national average rates, with policies averaging $158 per month with State Farm and $272 for Celina Mutual. However, that doesn't mean State Farm will be the lowest carrier for each driver, since there are several different factors that come into play when it comes to your auto insurance cost.

Who is better, Celina Mutual or State Farm?

Sadly, the only answer we can give you is "it depends.". Neither company is necessarily "better" for every policyholder -- it all depends on what your unique insurance profile looks like.

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

Car insurance carriers use lots of different variables when calculating the premiums they charge. Things like your driving record, age, where your home is, gender, and sometimes even things like your credit score can all be used. Both Celina Mutual and State Farm calculate rates using different formulas, 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 lots of different companies.

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

The only way to find the 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, Compare.com makes it easy for you to do just that. Just enter your ZIP code and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the cheapest price. And maybe you'll find that the best carrier for you isn't Celina Mutual or State Farm 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.