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

Quick Facts

• Looking at the national averages for car insurance, Travelers offers significantly cheaper rates than Celina Mutual
• Travelers offers more affordable average prices for policyholders who live in rural neighborhoods
• Travelers tends to be a much less expensive option for drivers who have below-average credit

Celina Mutual or Travelers: 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 might have narrowed your search down to Celina Mutual or Travelers, but which carrier has more affordable premiums for auto insurance?

Looking at the national average rates for both carriers, Travelers has average rates that are around 40% a month less expensive than those from Celina Mutual.

However, Travelers may not be the most affordable or best option for every single driver out there. Insurance companies vary their rates 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 premiums could vary drastically from person to person.

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

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

Celina Mutual and Travelers only compete against each other in Tennessee, where Travelers offers the cheaper average prices. Travelers drivers tend to pay about $146 per month less on average compared to drivers who use Celina Mutual for their car insurance.

That being said, there's a lot more that goes into your insurance payment than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

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

But that doesn't mean teen drivers can't still save money on their auto insurance. Just look at the table above -- where 18-year-old drivers who have Travelers for their car insurance pay almost 50% less than those who use Celina Mutual.

That being said, both carriers will offer you dramatically lower premiums by the time you turn 25. For example, average prices for Celina Mutual policyholders lower over 60% and Travelers's rates reduce more than 60% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the lowest auto insurance premiums you'll ever find. After all, they've likely been driving for quite some time, which typically lowers their chances of collisions and other infractions that can raise prices.

But who has the best rates for retired drivers between Celina Mutual and Travelers? Travelers gets the edge, with prices for drivers 65 and older over 20% cheaper 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 insurance rates than married couples. That's because policies for married policyholders normally cover multiple vehicles, which many companies will give you a discount for.

For single policyholders, the difference in average premiums between these two carriers is significant, with Travelers rates coming in at about half of Celina Mutual's. The advantage is also clear for married drivers - Travelers offers the cheapest average premiums.

Celina Mutual or Travelers: Average Rates by Gender

Men are statistically more likely than women to get into accidents and file an insurance claim. That means when it comes to auto insurance men will typically end up paying a little more.

Normally, men see prices nearly 10% a month higher with Celina Mutual, and around 6% more with Travelers.

Looking at overall affordability, Travelers offers the lowest average premiums for both men and women. On average, male drivers save about $113 per month and women save about $97 with Travelers compared to the average Celina Mutual policyholder.

Celina Mutual vs. Travelers: 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.

Insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

Even so, 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 usually refers to having collision and comprehensive coverages in addition to liability).

Looking specifically at state minimum liability insurance, Travelers has the edge, with average monthly prices coming in at $108. If you want a full coverage policy with the same state minimum limits, Travelers again has the edge, with policies averaging around $225 a month to Celina Mutual's $403.

Is Celina Mutual or Travelers 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.

It's no secret secret that speeding tickets and at-fault collisions lead to higher rates, but which carrier -- Celina Mutual or Travelers -- has the cheapest prices for drivers with less-than-perfect 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 about 17% after getting a speeding ticket. Travelers policyholders can expect a bit more drastic of an increase of around 20%.

However, Travelers tends to offer the best prices for both drivers who have a recent ticket and those with clean records, offering rates that are 17% and 14% less expensive, respectively, compared to Celina Mutual Insurance.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Celina Mutual can expect to see about an $131 -- or around 46% -- rise in their auto insurance premiums. Drivers who use Travelers for their car insurance will see a monthly bill about $45 (or 26%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, the cheaper rates come from Travelers, with average premiums coming in at $173 compared to Celina Mutual Insurance's $285.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or speeding ticket when it comes to your insurance bill. For example, Celina Mutual increases average prices by more than $300 per month -- that's more than a 65% increase.

How does Credit Score Impact Celina Mutual and Travelers Rates?

Did you know many auto insurance companies take your credit score into account when determining premiums? This isn't true for everyone (for example, Massachusetts and Hawaii are two states that ban the practice entirely), but it does affect lots of drivers out there.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time every month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the most affordable prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Celina Mutual or Travelers 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 cost. Generally, the more milage you put on your car, 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 rates for Travelers, with drivers who put 6,000 miles on their vehicle yearly paying around $5 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Travelers is the more affordable company.

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

Where you park your car can play a considerable role in how much you pay for insurance. Normally, 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 road where they live, which increases the chances of an accident.

Travelers boasts the most affordable average rates for drivers in all areas, regardless of if they're urban, suburban, or rural.

For drivers in urban ZIP codes, Travelers's average premiums are about 46% less than Celina Mutual Insurance. People who live in suburban areas pay around 13% less with Travelers compared to Celina Mutual. Those in rural areas can expect to save about 46% with Travelers compared to Celina Mutual.

Celina Mutual vs. Travelers Discounts

You want to save as much money as you can, right? 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 what seems like a million different discounts out there, it may be challenging to find all the ones you're eligible for.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Celina Mutual and Travelers so that you can find the one that has the most discounts and, therefore, the largest savings.

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

Both companies offer several of the same discounts -- like anti-theft discounts, discounts for being a defensive driver, discounts for getting driver training, and multi-policy discounts -- but Travelers also offers discounts for ABS, alternative fuel, 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, empty nester discounts, minor child discounts, and more.

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

So, we've broken down the average prices for many of the variables car insurance carriers look at, and walked through the different discounts each company offers, too. But, at the end of the day, is Celina Mutual or Travelers the right company for you, your vehicle, and your wallet?

Travelers might be best for you if....

• Your driving record includes a DUI charge.
• You want to save money while purchasing auto insurance for a teenager.

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 Travelers. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

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

Celina Mutual vs. Travelers FAQs

Is Celina Mutual or Travelers cheaper?

Travelers is the cheaper of the two companies when looking at national average rates, with policies averaging $167 a month with Travelers and $272 for Celina Mutual. But that doesn't mean Travelers will be the cheapest carrier for each driver, since there are many different factors that are considered when it comes to your auto insurance bill.

Who is better, Celina Mutual or Travelers?

Sadly, the only answer we can give you is "it depends.". Neither company is "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do Celina Mutual and Travelers offer me different rates?

Auto insurance carriers use a lot of different variables when calculating the prices they charge. Factors like age, your driving record, gender, where you live, and sometimes even things like your credit score can all come into play. Both Celina Mutual and Travelers calculate premiums using different variables, so it's likely they'll offer different rates. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a bunch of different companies.

How do I know if Celina Mutual or Travelers 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, Compare.com does 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 best price. And maybe you'll find that the best carrier for you isn't Celina Mutual or Travelers 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.