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

Quick Facts

• Based on national averages for auto insurance, Trustgard Auto offers significantly less expensive premiums than Celina Mutual
• Celina Mutual offers more discounts than Trustgard Auto Insurance
• Trustgard Auto tends to be a much cheaper option for residents of rural areas

Celina Mutual vs. Trustgard Auto: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? With so many ads from all sorts of companies offering big discounts, you're probably wondering exactly how much you might be able to save.

You might have narrowed it down to Celina Mutual or Trustgard Auto as potential options, but which one will save you the most?

Looking at nationwide averages, Trustgard Auto is quite a bit cheaper than Celina Mutual, with rates averaging $137 per month compared to $272 with Celina Mutual.

Even so, that doesn't necessarily mean Trustgard Auto will be the more affordable option for each driver. Insurance companies use all sorts of complex algorithms to calculate prices, so depending on how good your credit score is or how clean your driving record is (among a whole bunch of other factors), you could see wildly different premiums from the ones above.

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

Celina Mutual or Trustgard Auto: Average Car Insurance Rates by State

Celina Mutual and Trustgard Auto only compete against each other in Tennessee, where Trustgard Auto offers the cheaper average premiums. For Tennessee residents, Trustgard Auto offers auto insurance for $139 monthly on average. Celina Mutual's average rates come out to be over 70% more expensive, at $272 per month.

But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers determine your prices. Continue reading to see how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

However, that doesn't mean teen drivers can't still save money on their car insurance. As you can see above, teens who use Trustgard Auto save nearly $350 a month compared to those who use Celina Mutual.

That being said, with both companies, you'll see your premiums drop significantly by the time drivers turn 25. For example, average prices for Celina Mutual policyholders lower more than 60% and Trustgard Auto's rates decrease almost 70% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age generally enjoy some of the most affordable auto insurance prices you can find. After all, they've likely been driving for quite some time, which normally reduces their chances of accidents and other infractions that can increase rates.

When looking at Celina Mutual and Trustgard Auto specifically, which carrier is best for retired drivers? Trustgard Auto gets the edge, with premiums for drivers 65 and older $72 less expensive than the national average for Celina Mutual.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper car insurance rates than single policyholders. That's because policies for married couples typically cover multiple cars, which lots of carriers will offer you a discount for.

When it comes to relationship status, Trustgard Auto is the clear winner for single drivers, with prices about $166 per month more affordable than Celina Mutual, on average. The advantage is also clear for married drivers - Trustgard Auto offers the cheapest average premiums.

Celina Mutual vs. Trustgard Auto: Average Rates by Gender

Men tend to pay more for insurance than women. This is because men are statistically more likely than women to cause a collision and get into accidents, which leads to increased risk for insurers and, therefore, higher rates.

Men usually pay over $25 a month more than women with Celina Mutual, and nearly $10 with Trustgard Auto.

Looking at the data for each company specifically, Trustgard Auto offers the most affordable average premiums for both men and women, with average prices $143 less for men and $125 cheaper for women.

Celina Mutual or Trustgard 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.

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.

The two most common policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- in addition to what you get with liability coverage).

If you're looking for state minimum liability insurance, Trustgard Auto generally offers significantly less expensive premiums of $79 compared to Celina Mutual's $140. When it comes to full coverage policies with similar limits, Trustgard Auto again has the edge, with policies around $200 per month cheaper than Celina Mutual, on average.

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

You've probably seen plenty of commercials from insurance companies offering great prices for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

Tickets and collisions will most likely raise your rates, but is Celina Mutual or Trustgard Auto more affordable for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Celina Mutual policyholders can expect their prices to go up an average of $31 a month if they get a ticket, while Trustgard Auto typically raises rates about $50 per month, on average.

But Trustgard Auto is normally the less expensive option for both drivers who have clean records and those with a recent speeding ticket. Drivers with a clean record can save around $56 a month and drivers with a ticket can save about $37 per month with Trustgard Auto Insurance.

Which Company is Best for Drivers After an Accident?

Celina Mutual drivers who get in a collision can expect to see their premiums climb by over 45%, while those who have insurance through Trustgard Auto will see around a 25% increase.

Overall, Trustgard Auto offers the cheapest prices for drivers with an at-fault accident on their records, with monthly rates averaging $133 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 an accident. For example, Celina Mutual increases average premiums by over $300 a month -- that's over a 65% increase.

If you have a DUI on your record and are looking for more affordable prices, Trustgard Auto tends to be the much more affordable option with average rates of $171 a month compared to $462 from Celina Mutual.

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

You may not realized it, but your credit score can be used as one of the variables to calculate your monthly car insurance premiums. This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it will come into play for several policyholders.

The reasoning insurance carriers use is that drivers with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper prices, while those with poor credit will generally be forced to pay more.

So, which carrier offers the best premiums 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 Trustgard Auto 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 large impact on your monthly rates? That's because the more miles you put on your vehicle each year, the more likely you are to get into a collision and cause an insurance claim.

In this case, neither Celina Mutual or Trustgard Auto report increasing prices for drivers with higher annual mileage figures. Still, Trustgard Auto comes out as the lowest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their car yearly, with average premiums of $137 per month for both.

Celina Mutual vs. Trustgard Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can play a pretty big role in how much you pay for car insurance. Normally, those who live in urban areas will pay more than drivers in rural areas due to the number of vehicles that are on the roads in those areas.

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

Policyholders in suburban ZIP codes see the lowest rates from both companies, but Trustgard Auto comes out on top with average prices about $132 monthly. Trustgard Auto also has cheaper average premiums for drivers in urban and rural ZIP codes -- a 61% and 47% a month respective difference when compared to Celina Mutual policyholders in similar areas.

Celina Mutual vs. Trustgard Auto Discounts

You want to save as much money as possible, right? The best way to do that is by taking advantage of as many auto insurance discounts as you can.

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

In the section below, we've broken down all of the different discounts offered by both Celina Mutual and Trustgard Auto so that you can see which company can save you the most money each month.

Overall, Celina Mutual has a slight advantage when it comes to total number of discounts. Trustgard Auto offers a grand total of 16 discounts, while Celina Mutual has 17.

A couple of those are overlapping for things like advance quote discounts, discounts for being a defensive driver, and renewal discounts. Celina Mutual also offers claim free discounts, continuous insurance discounts, driver training discounts, and more that Trustgard Auto does not.

On the flip side, Trustgard Auto has a couple unique discounts of its own -- advanced safety feature discounts, company car discounts, COVID-19 relief discount, and more.

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

So, we've broken down the average prices for many of the factors car insurance companies look at, and we've shown you all the discounts each company offers. But, when it comes down to it, which carrier is the best fit for you?

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

• You're single and purchasing insurance by yourself.
• Your home is located in the suburbs.
• You live in a rural area.

Celina Mutual might be best for you if...

• You're looking for the company with the most discounts.

We hope this guide helps you get a good idea of the differences between Celina Mutual and Trustgard Auto. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your car insurance policy is to compare quotes from multiple carriers, not just Celina Mutual and Trustgard Auto. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of the top auto insurance companies in your area, all in just a few minutes.

Celina Mutual vs. Trustgard Auto FAQs

Is Celina Mutual or Trustgard Auto cheaper?

Looking just at the national average rates, Trustgard Auto is the less expensive of the two carriers, offering average rates of $137 per month compared to $272 for Celina Mutual. That being said, Trustgard Auto won't necessarily be the cheapest carrier for each policyholder, since there are a bunch of different variables (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Celina Mutual or Trustgard Auto?

Unfortunately, the real answer is "it depends.". Neither company is "better" for every driver -- it all comes down to what your unique insurance profile looks like.

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

Auto insurance companies take a look at a lot of different factors when calculating the prices they charge drivers. Variables such as gender, age, your driving record, where you park your car, and sometimes even things like your credit score can all be taken into consideration. Both Celina Mutual and Trustgard Auto calculate rates differently, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the insurance company that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your area information and you'll get free quotes from dozens of the best car insurance carriers in your area. That way, you can guarantee you're getting the most affordable price. And who knows, the best carrier for you might not be Celina Mutual or Trustgard Auto at all!

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.