Cig vs. Cse: Which Company is the Best Fit for You?

If you're in the market for a new insurance policy, you might be wondering how Cse and Cig compare when it comes to the cheapest premiums and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
Why You Can Trust trust shield

At, it's our mission to find simple ways to help our customers save money on the things they need. While we partner with some of the companies and brands we talk about in our articles, all of our content is written and reviewed by our independent editorial team and never influenced by our partnerships. Learn about how we make money, review our editorial standards, and reference our data methodology to learn more about why you can trust

Quick Facts

  • Looking at the national averages for car insurance, Cig offers significantly more affordable rates than Cse
  • Cig has less expensive prices for policyholders who don't have any speeding tickets, DUIs, or at-fault accidents on their record
  • Cig offers more affordable premiums for drivers with a DUI charge on their record

Cig vs. Cse: Which Company has the Cheapest Car Insurance?

Are you considering a new insurance policy? After all, you've seen ads from all sorts of companies offering huge discounts. But exactly how much can you save by switching?

You might have narrowed it down to Cig or Cse as your top options, but between the two, which carrier will offer you cheaper prices?

Cig Cse

Looking at the national average rates for both companies, Cig has average rates that are about 30% per month more affordable than those from Cse.

That being said, Cig may not be the most affordable or best option for every driver out there. Auto insurance carriers vary their rates 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 premiums could change drastically from person to person.

Luckily, we've broken down average prices from both Cig and Cse by lots of different rate factors, so read on to find out which company is the best for you.

Cig or Cse: Average Car Insurance Rates by State

State Cig Cse

Cig and Cse only compete against each other in California, where Cig offers the cheaper average rates. For California residents, Cig offers insurance for $139 monthly on average. Cse's average premiums come out to be over 20% more expensive, at $175 a month.

There's a lot more that goes into your car insurance payment than just where you live. Keep reading to find out more.

Find your best rate in just a few minutes

Which is the Best Company For Young Drivers?

Cig Cse
18-year-old drivers$240$354
25-year-old drivers$119$173

Teen drivers will almost always have the most expensive auto insurance prices of any other group of drivers out there on the road. Normally, that's because young, inexperienced 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 more than $100 less a month by choosing Cig over Cse.

However, both companies will offer you dramatically lower premiums by the time drivers turn 25. For example, average rates for Cig policyholders reduce over $100 and Cse's prices drop nearly $200 over that time.

Which is the Best Company for Retired Drivers?

Cig Cse
65+-year-old drivers$86$128

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

When looking at Cig and Cse specifically, which carrier is best for retired drivers? Cig gets the edge, with premiums for drivers 65 and older $42 less expensive than the national average for Cse.

Which is the Best Company for Married Drivers?

Cig Cse

You may not be aware, but car insurance rates tend to be more expensive for those who are single than they are for married policyholders. That's generally because married couples tend to own and insure several cars, which can often earn you a discount.

When it comes to relationship status, Cig is the clear winner for single drivers, with prices around $65 per month cheaper than Cse, on average. For married drivers, the advantage is clear again - Cig has the edge when it comes to average premiums.

Cig vs. Cse: Average Rates by Gender

Cig Cse

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

Men generally pay about $4 a month more than women with Cig; men and women end up paying the same monthly prices with Cse.

Looking at the data for each company specifically, Cig offers the cheapest average premiums for both men and women, with average rates 31% less for men and 33% cheaper for women.

Find your best rate in just a few minutes

Cig or Cse: Compare State Minimum vs. Full Coverage Rates

Cig Cse
State Minimum*$71$81
Full Coverage**$166$270

*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 auto insurance can be pretty complicated. There are so many different limits and coverages that it can make it pretty confusing to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and passengers if you cause an accident) and full coverage (which typically refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, Cig usually offers more affordable prices of $71 compared to Cse's $81. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies around $100 per month less expensive than Cse, on average.

Is Cig or Cse Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

You'll probably end up paying more with at-fault collisions and tickets on your record, but which of these two carriers offers the most affordable premiums to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cig Cse
Clean Record$88$123
1 Speeding Ticket$112$161

Cig policyholders can expect their rates to go up an average of $24 a month if they get a ticket, while Cse normally raises prices about $38 per month, on average.

Even so, Cig tends to offer the best prices for drivers both with a speeding ticket and with a clean record, offering premiums that are 28% and 30% cheaper, respectively, compared to CSE Insurance Group.

Which Company is Best for Drivers After an Accident?

Cig Cse
Clean Record$88$123
1 At-Fault Accident$118$176

Cig drivers who get in a collision can expect to see their rates climb by $30, while those who have insurance through Cse will see around a $55 increase.

Overall, the more affordable premiums come from Cig, with monthly rates averaging $118 compared to CSE Insurance Group's $176.

Which Company is Best for Drivers with a DUI?

Cig Cse
Clean Record$88$123
1 DUI$157$241

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. Cse drivers usually see a 49% climb in their auto insurance prices after a DUI charge, while Cig will typically raise premiums by about 44%.

If you have a DUI on your record and are looking for more affordable prices, Cig tends to be the much cheaper option with average rates of $157 per month compared to $241 from Cse.

Find your best rate in just a few minutes

How does Credit Score Impact Cig and Cse Rates?

Did you know that many insurance companies take your credit score into account when calculating premiums? Certain states and carriers do not allow for credit score to be used as a rating factor, but it will come into play for quite a few 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 best prices for policyholders with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Cig Cse
Excellent Credit Score$78No Data Available
Good Credit Score$94No Data Available

Typically, if you have fantastic credit, you can expect to be rewarded. Jumping from a "good" credit score to an "excellent" one will usually save CIG Insurance customers around $15. undefined, on the other hand, doesn't have data available for credit scores, which means they most likely don't use credit to calculate your rates.

Which Company is Best for Drivers with Bad Credit?

Cig Cse
Fair Credit Score$118No Data Available
Poor Credit Score$172No Data Available

Having bad credit generally means you'll also see higher premiums with CIG Insurance. If your credit score is in the "poor" range, at CIG Insurance, you may pay about 30% more a month compared to those with "fair" scores (and even more compared to drivers with good or excellent scores). undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit might find better rates with undefined over CIG Insurance.

Find your best rate in just a few minutes

Is Cig or Cse Better for Drivers who Work from Home or Have Short Commutes?

Cig Cse
6,000 Annual Miles$113$161
12,000 Annual Miles$125$189

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance carriers will charge for coverage. Normally, the more miles you put on your vehicle each year, the more you can expect to pay for insurance.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Cig offers less expensive prices than Cse. Cig's average rates for drivers with 6,000 annual miles come in around $48 cheaper than Cse. Those who drive 12,000 miles annually can expect to pay about $64 less with Cig over Cse.

Cig vs. Cse: Compare Rates for Urban, Suburban, and Rural Drivers

Where you park your car can play a considerable role in how much you pay for auto insurance. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of vehicles that are on the roads in those areas.

Cig Cse
Urban Areas$128$186
Suburban Areas$123$178
Rural Areas$106$161

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

Drivers in rural ZIP codes see the most affordable rates from both companies, but Cig comes out on top with average prices around $106 a month. Cig also has less expensive average rates for policyholders in urban and suburban ZIP codes -- a $58 and $55 per month respective difference when compared to Cse drivers in similar areas.

Cig vs. Cse Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be challenging to nail down the company that has the most discounts for your unique driver profile and to find all the discounts you qualify for.

In the table below, we've compared all of the different discounts offered by Cig and Cse so that you can easily see which company offers the most discounts and, therefore, the biggest savings.

Cig Cse
ABS Discount 
Advance Quote Discount 
Anti-Theft Discount 
Company Car Discount 
Defensive Driver Discount 
Distant Student Discount 
Employee Discount
Good Driving Discount
Good Payer Discount 
Good Student Discount 
Goverment Employee Discount 
Group Discount 
Homeowner Discount 
Inside Storage Discount 
Life Policy Discount 
Mature Driver Discount
Multi-Car Discount 
Multi-Policy Discount
New Vehicle Discount 
Paid In Full Discount 

Cig knocks Cse out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to Cse's five.

Both carriers offer many of the same discounts -- like employee discounts, mature driver discounts, and multi-policy discounts -- but Cig also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Cse does not.

On the flip side, Cse has a unique discount of its own -- a goverment employee discounts.

Find your best rate in just a few minutes

Final Thoughts: Is Cig or Cse Best for You?

You've seen the role certain factors have on your auto insurance and the different discounts companies offer. But, at the end of the day, is Cig or Cse the best fit for you?

Cig might be best for you if....

  • You have an at-fault collision on your record.
  • Your neighborhood is in the suburbs.
  • You're married and plan to have both of your names on the vehicle's car insurance policy.

Cse might be best for you if...

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

We hope this guide helps you get a better idea of the difference between Cig and Cse. 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 a handful of carriers, not just Cig and Cse. Luckily, does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Find your best rate in just a few minutes

Cig vs. Cse FAQs

Is Cig or Cse cheaper?

Looking just at the national average prices, Cig is the more affordable of the two carriers, offering average rates of $119 a month compared to $175 for Cse. But Cig won't necessarily be the lowest carrier for every driver, since there are a variety of different variables that are considered when it comes to your auto insurance cost.

Who is better, Cig or Cse?

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

Why do Cig and Cse offer me different rates?

Car insurance companies take a look at lots of different factors when determining the premiums they charge policyholders. Variables like age, where you live, your driving record, gender, and sometimes even things like your credit score can all come into play. Both Cig and Cse calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from multiple different carriers.

How do I know if Cig or Cse is right for me?

The only way to find the auto insurance company that's right for you is by getting quotes from multiple companies and finding the one best suited for your individual budget. Luckily, makes it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best insurance carriers in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best carrier for you might not be Cig or Cse at all!


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.

About's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.

  • All of's content is written and reviewed for accuracy by a team of experienced writers and editors who are experts on the topics they cover.
  • None of's content is ever influenced by the companies and brands we partner with.
  •'s editorial team operates independently of any of the company's partnership or business development interests. We publish unbiased information strictly for the benefit of our readers.
  • All of the content you see on is based on comprehensive analysis and all data is gathered and vetted from trustworthy sources.

Learn more about us, our team, and what makes us tick.

Find your best rate in just a few minutes