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

Quick Facts

• Based on national averages for auto insurance, Cig offers significantly cheaper premiums than Motorists
• Cig offers more affordable average rates for drivers who have a speeding ticket on their driving record
• Cig may help you save more money -- they offer more discounts than Motorists Insurance Group

Cig or Motorists: Which Company has the Cheapest Car Insurance?

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering substantial savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Cig or Motorists as your top options, but between the two, which carrier has less expensive premiums for insurance?

As you can see, Motorists has average rates that are around 55% a month more expensive than those from Cig when looking at the national average rates for car insurance.

But that doesn't necessarily mean Cig will be the cheaper option for every driver. Insurance carriers vary their prices depending on things like how clean your driving record is, how good your credit score is, how old you are, where you live, and a ton of other factors, so rates could change drastically from person to person.

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

Cig vs. Motorists: Average Car Insurance Rates by State

Cig and Motorists only compete against each other in one states, with Cig offering less expensive rates to the average driver in all of them. Ohio has the most noticable difference, where Cig premiums are $6 more affordable than auto insurance prices at Motorists.

But there's more to calculating car insurance rates than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group out there on the road. That's usually because teen 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 insurance. Just look at the table above -- where 18-year-old drivers who have Cig for their auto insurance pay almost 40% less than those who use Motorists.

That being said, with both companies, you'll see your rates reduce significantly by the time drivers turn 25. Motorists offers the steepest drop, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Cig still has the most affordable premiums at $119 per month.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best prices to retired drivers? Cig gets the edge here, with average premiums coming in at about $86 monthly compared to Motorists's $219.

Which is the Best Company for Married Drivers?

Married policyholders tend to get slightly cheaper insurance rates than single policyholders. This usually boils down to married couples having more than one vehicle on their policy -- something many auto insurance carriers will reward with discounts.

For those who are single, the difference in average premiums between these two companies is significant, with Cig prices coming in at around half of Motorists's. For married drivers, the advantage is clear again - Cig has the edge when it comes to average premiums.

Cig or Motorists: Average Rates by Gender

Men normally pay more for car insurance than women. That's because men are more likely to get into accidents and get tickets, which increases the chances of filing a claim with insurance.

Women generally pay about 3% per month less than men with Cig, and around 5% less with Motorists when compared to their male counterparts.

When it comes to the cheapest rates for each gender, Cig comes out on top for both men and women. On average, male drivers save about $136 a month and women save about $128 with Cig compared to the average Motorists policyholder.

Cig vs. Motorists: 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 insurance can be pretty complicated. Everyone needs car insurance, but there are so many different terms and coverages that it can be hard 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 if you cause a collision) and full coverage (which usually refers to having collision and comprehensive coverages alongside liability).

Looking specifically at state minimum liability limits, Cig has the significant edge, with average monthly prices coming in at $71. If you want a full coverage policy with the same state minimum limits, Cig again has the edge, with policies averaging around $166 per month to Motorists's $379.

Is Cig or Motorists 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 accidents and speeding tickets lead to higher premiums, but which company -- Cig or Motorists -- has the lowest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cig for their auto insurance can typically expect their monthly bill to go up about 21% after getting a speeding ticket. Motorists policyholders can expect a less drastic increase of around 10%.

But Cig has more affordable prices for drivers in both categories -- their rates are around 48% less expensive for drivers with clean records and 40% more affordable for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Cig can expect to see about an $30 -- or around 25% -- rise in their car insurance rates. Drivers who use Motorists for their auto insurance will see a monthly bill about $37 (or 18%) more expensive after reporting an accident to their car insurance carrier.

At the end of the day, Cig offers the most affordable prices for drivers with an at-fault collision on their records, with average premiums coming in at $118 compared to Motorists Insurance Group's $206.

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 ticket or even a collision. For example, Motorists increases average prices by more than $250 a month -- that's more than a 60% increase.

But if you end up with a DUI charge and are looking for more affordable rates, Cig tends to be cheaper for the average driver, with monthly premiums coming in at around $157 to Motorists's $442.

How does Credit Score Impact Cig and Motorists Rates?

You may not have known, but your credit score can come into play when carriers determine your monthly bill. Certain states and companies do not allow for credit score to be used as an insurance factor, but it does affect a lot of drivers out there.

The reasoning insurance carriers use is that policyholders with bad credit will be less likely to pay their bills on time; so normally, they'll be asked to pay more, while those with good credit will be rewarded with less expensive premiums.

Looking specifically at Cig and Motorists, which one has the cheapest rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have great credit, Cig will usually reward you the most. For policyholders with "excellent" credit scores, Cig comes in over 50.94 more affordable. Drivers with "good" credit scores generally save about 49% with Cig compared to average prices from Motorists.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower premiums than Motorists when it comes to drivers with a below average credit score. Drivers with "fair" credit pay around 49% per month less with Cig compared to Motorists, and those with "poor" scores typically save an average of about 60% a month.

Is Cig or Motorists 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 auto insurance bill. That's because the fewer miles you drive, the less likely you are to be in an accident and file an insurance claim.

Cig tends to be the cheaper option for both remote workers and those taking short commutes. Motorists's average prices for drivers with 6,000 annual miles come in nearly $150 more expensive than Cig. Those who drive 12,000 miles every year can expect to pay just under $150 more with Motorists over Cig.

Cig or Motorists: 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 insurance, but the type of area you live in can have a pretty 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 auto insurance, while the opposite is true for people in urban areas.

When comparing these two companies side-by-side, Cig generally comes out as the most affordable option 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 $146 with Cig compared to Motorists. People who live in suburban areas pay about $92 less with Cig compared to Motorists. For drivers in urban ZIP codes, CIG Insurance's average premiums are around $158 less than Motorists Insurance Group.

Cig vs. Motorists 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 car 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're eligible for.

Luckily, we did the hard work for you and looked at all of the different discounts Cig and Motorists offer their customers so that you can easily see which company offers the most discounts and, therefore, the largest savings.

Cig blows Motorists away when it comes to the sheer amount of discounts available, offering 11 more discounts than Motorists.

Both carriers offer a lot of the same discounts -- like ABS discounts, anti-theft discounts, discounts for being a homeowner, and paid in full discounts -- but Cig also offers discounts for company car, distant student, employee discount, and more.

On the other hand, Motorists has a few proprietary discounts of their own for things like empty nester discounts, hybrid vehicle discounts, marital status discounts, and more.

Final Thoughts: Is Cig or Motorists Best for You?

So, we've broken down the average rates for many of the variables auto insurance companies 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, is Cig or Motorists the right company for you and your specific needs?

Cig might be best for you if....

• Your driving record includes a DUI charge.
• Your credit score is high.
• You've started working from home and don't have much of a commute.

Motorists might be best for you if...

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

Hopefully, this guide helps you get a good idea of the differences between Cig and Motorists and that it aids in making a more informed decision about your 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 several carriers, not just Cig and Motorists. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP codes below and get multiple quotes from some of the best insurance companies in your area, all for free.

Cig vs. Motorists FAQs

Is Cig or Motorists cheaper?

Cig is the less expensive of the two carriers when looking at national average premiums, with policies averaging $119 a month with Cig and $251 for Motorists. That being said, that doesn't mean Cig will be the cheapest carrier for each policyholder, since there are many different factors that come into play when it comes to your car insurance cost.

Who is better, Cig or Motorists?

Sadly, the only answer we can give you is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Cig and Motorists offer me different rates?

Insurance companies use lots of different variables when determining the prices they charge. Factors such as age, where your home is, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Cig and Motorists use different formulas, 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 carriers.

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

The only way to find the car 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, Compare.com makes it easy for you to do just that. Just enter your information once and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the most affordable price. And maybe you'll find that the best carrier for you isn't Cig or Motorists 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.