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

Quick Facts

• Based on national averages for auto insurance, Cig offers significantly cheaper prices than Foremost
• Cig offers more affordable premiums for residents of urban areas
• Cig tends to be a much less expensive option for drivers with a DUI charge on their record

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

So, you're considering switching your auto insurance. 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've maybe even narrowed your search down to Cig or Foremost for your next policy, but between the two, which one has more affordable prices for car insurance?

As you can see, Cig has average rates that are about 55% per month less expensive than those from Foremost when looking at the national average rates for insurance.

Even so, that doesn't necessarily mean Cig will be the cheaper option for each driver. After all, auto insurance companies can offer drastically different rates to each driver depending on rating factors like your credit score, your age, where you call home, or even your driving record (among other things), so premiums will vary quite a bit from person to person.

So, if you want to find out which of Cig or Foremost is really the best for you, keep reading to see average rates for each company broken down by multiple different rate factors.

Cig or Foremost: Average Car Insurance Rates by State

Cig and Foremost only compete against each other in one states, with Cig offering more affordable premiums to the average driver in all of them. Washington has the most noticable difference, where Cig rates are over 60% less expensive than insurance prices at Foremost.

There are plenty of other factors that go into your auto insurance payment than just where you call home. Keep reading to find out more.

Which is the Best Company For Young Drivers?

You might already know that teen drivers normally pay a lot more for car insurance than any other group of drivers out there on the road. That's because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Cig save nearly $350 a month compared to those who use Foremost.

However, both carriers will lower premiums by the time you turn 25. For example, average rates for Cig policyholders reduce more than 50% and Foremost's prices drop over 60% over that time.

Which is the Best Company for Retired Drivers?

When it comes to car insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates you'll ever find.

But who has the best prices for retired drivers between Cig and Foremost? Cig gets the edge, with premiums for drivers 65 and older more than 60% more affordable than the national average for Foremost.

Which is the Best Company for Married Drivers?

Did you know that insurance prices are usually cheaper for married couples than they are for those who are single? That's generally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Cig is the clear winner for single policyholders, with rates around $176 per month more affordable than Foremost, on average. The advantage for married policyholders with Cig is also obvious, where drivers save over $100 a month.

Cig vs. Foremost: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to auto insurance men will typically end up paying a little more.

Typically, men see premiums about $4 per month higher with Cig, and around $4 more with Foremost.

Looking at the data for each carrier specifically, Cig offers the lowest average prices for both men and women. On average, male drivers save about $151 a month and women save about $151 with Cig compared to the average Foremost policyholder.

Cig or Foremost: 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 car insurance can be a complicated subject for most people. There are so many different coverages and terms 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 (which covers the other party's property damage and injuries if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages alongside liability).

If you're looking for state minimum limits for liability insurance, Cig generally offers significantly less expensive premiums of $71 compared to Foremost's $173. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies around $200 per month cheaper than Foremost, on average.

Is Cig or Foremost Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their 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 tickets and at-fault accidents on your record, but which of these two companies offers the cheapest rates to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Cig policyholders can expect their premiums to go up an average of $24 a month if they get a ticket, while Foremost typically raises prices about $56 per month, on average.

But Cig tends to offer the best prices for drivers both with a speeding ticket and with a clean record -- their rates are around 56% less expensive for drivers with clean records and 57% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Cig can expect to see around an $30 -- or about 25% -- increase in their insurance rates. Drivers who use Foremost for their auto insurance will see a monthly bill around $179 (or 47%) more expensive after reporting an accident to their insurance company.

Overall, the more affordable prices come from Cig, with monthly rates averaging $118 compared to Foremost Insurance Group's $381.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your car insurance bill. On average, Cig will climb your premiums about 44% after a DUI, while Foremost's average rates climb by over 15%.

If you have a DUI on your record and are looking for more affordable premiums, Cig tends to be the much cheaper option with average prices of $157 monthly compared to $238 from Foremost.

How does Credit Score Impact Cig and Foremost Rates?

Did you know that many auto insurance carriers take into account your credit score when calculating rates? Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for lots of drivers.

Insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at Cig and Foremost specifically, which company has the lowest prices for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Cig. Policyholders with "excellent" credit can save more than 65% compared to Foremost, and those with "good" scores can also expect to see savings -- around $167 or 64% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower premiums than Foremost when it comes to drivers with less-than-perfect credit. Drivers with "fair" credit pay about $159 a month less with Cig compared to Foremost, and those with "poor" scores normally save an average of around $134 per month.

Is Cig or Foremost 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 rates. That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Foremost charges. However, there's a small difference in monthly prices for Cig, with policyholders who drive 6,000 miles yearly paying about $12 less each month compared to those who drive 12,000 miles annually. Still, Cig is the less expensive option for drivers in both categories.

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

Where you park your vehicle can have a pretty big impact on your monthly auto insurance cost. Usually, drivers who live in heavily-populated urban areas will pay quite a bit more than rural policyholders because there are a lot more cars on the roads in those areas.

Cig tends to offer the cheapest 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 premiums around $106 a month. Cig also has cheaper average rates for policyholders in urban and suburban ZIP codes -- a $190 and $164 per month respective difference when compared to Foremost drivers in similar areas.

Cig vs. Foremost 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 auto insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem difficult to find all the of the ones you qualify for.

In the table below, we've taken a look at all of the different discounts Cig and Foremost offer their customers so that you can see which carrier offers the most discounts and see which ones you might be able to take advantage of.

Cig knocks Foremost out of the park when it comes to the sheer number of discounts available, offering 13 more discounts than Foremost.

A couple of those are overlapping for things like discounts for being a defensive driver, distant student discounts, and paid in full discounts. Cig also offers ABS discounts, company car discounts, employee discounts, and more that Foremost does not.

On the flip side, Foremost has a couple unique discounts of its own -- EFT discounts, minor child discounts, multi-car/single driver discounts, and more.

Final Thoughts: Is Cig or Foremost Best for You?

So, we've broken down the average prices for many of the factors insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the right fit for you?

Cig might be best for you if....

• You're single and purchasing car insurance by yourself.
• You want basic insurance coverage at the state minimum limits.
• You don't spend much time in your car.

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

At the end of the day, the best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from multiple companies, not just Cig and Foremost. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance carriers in your area, all in just a few minutes.

Cig vs. Foremost FAQs

Is Cig or Foremost cheaper?

Looking just at the national average premiums, Cig is the less expensive of the two companies, offering average rates of $119 a month compared to $270 for Foremost. Even so, Cig won't necessarily be the lowest company for everyone, since there are several different variables (things like driving record, age, gender, etc.) that play a role in how much you pay.

Who is better, Cig or Foremost?

Unfortunately, the real answer is "it depends.". No single carrier is "better" for every driver -- it all depends on the makeup of your unique auto insurance profile.

Why do Cig and Foremost offer me different rates?

Insurance carriers take a look at a lot of different factors when determining the rates they charge policyholders. Variables such as where you call home, where you live, age, gender, and sometimes even things like your credit score can all come into play. Both Cig and Foremost calculate prices using different factors, so each one will most likely offer different rates. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be Cig or Foremost 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.