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

Quick Facts

• In general, Cig offers significantly more affordable prices than National Mutual
• Cig has less expensive rates for drivers with a DUI charge on their record
• Cig offers cheaper average prices for residents of urban areas

Cig vs. National Mutual: 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 hefty discounts. But exactly how much can you save by switching?

You might be considering Cig or National Mutual as potential options, but between the two, which one will offer you less expensive rates?

Looking at nationwide averages, Cig is quite a bit cheaper than National Mutual, with premiums averaging $119 per month compared to $201 with National Mutual.

Even so, that doesn't mean Cig will necessarily be cheaper than National Mutual for every driver. After all, 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 prices will change quite a bit from person to person.

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

Cig or National Mutual: Average Car Insurance Rates by State

Cig and National Mutual only compete against each other in one states, with Cig offering more affordable premiums to the average driver in all of them. Ohio has the most noticable difference, where Cig prices are over 20% less expensive than auto insurance rates at National Mutual.

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

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for insurance compared to older drivers. That's because young, inexperienced drivers are statistically much more likely to get into an accident that results in an auto insurance claim, making them much riskier to insure.

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 Cig for their insurance pay nearly $250 less than those who use National Mutual.

That being said, both carriers will decrease premiums by the time drivers turn 25. For example, average rates for Cig policyholders reduce more than 50% and National Mutual's premiums lower over 60% over that time.

Which is the Best Company for Retired Drivers?

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

So, which carrier offers the best premiums to retired drivers? Cig gets the edge, with prices for drivers 65 and older $48 cheaper than the national average for National Mutual.

Which is the Best Company for Married Drivers?

Did you know that car insurance rates are normally more affordable for married policyholders than they are for those who are single? That's because policies for married drivers typically cover more than one car, which several companies will offer you a discount for.

When it comes to relationship status, Cig is the clear winner for single policyholders, with prices about $101 a month less expensive than National Mutual, on average. The advantage for married couples with Cig is also obvious, where drivers save almost 40% per month.

Cig vs. National Mutual: Average Rates by Gender

Because men are more likely to get into collisions and get tickets, they have an increased chance of filing a claim with insurance. Therefore, insurance carriers will tend to offer men more expensive premiums.

With Cig, women generally pay around $4 a month less than men, and more than $20 cheaper with National Mutual when compared to their male counterparts.

Looking at overall affordability, Cig comes out on top for both men and women, with average prices $91 less for men and $74 cheaper for women.

Cig or National Mutual: 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.

For most people, auto insurance can be pretty complicated. There are lots of different coverages that account for a range of different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

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 their passengers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to liability coverage).

If you're looking for state minimum liability limits, Cig typically offers cheaper rates of $71 compared to National Mutual's $94. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies about $150 per month more affordable than National Mutual, on average.

Is Cig or National Mutual 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.

Accidents and tickets will most likely raise your premiums, but is Cig or National Mutual cheaper for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cig policyholders can expect their rates to go up an average of $24 a month if they get a ticket, while National Mutual usually raises premiums around $11 per month, on average.

However, Cig is normally the more affordable option for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save about $43 a month and drivers with a ticket can save around $30 per month with CIG Insurance.

Which Company is Best for Drivers After an Accident?

Cig drivers who get in an accident can expect to see their prices climb by over 25%, while those who have insurance through National Mutual will see about a 35% increase.

Overall, drivers who use Cig end up with the cheaper prices after an accident, with monthly premiums averaging $118 compared to National Mutual Insurance's $207.

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 a collision. For example, National Mutual increases average rates by just under $200 a month -- that's just under a 60% increase.

If you have a DUI on your record and are looking for more affordable prices, Cig tends to be the much less expensive option with average premiums of $157 per month compared to $325 from National Mutual.

How does Credit Score Impact Cig and National Mutual Rates?

Did you know that many car insurance companies take your credit score into account when calculating prices? This isn't always the case (California, for example, has banned the use of credit score as a rating factor) but it does affect quite a few policyholders out there.

Auto insurance carriers argue that someone with good credit is more likely to pay their bills on time, which makes them less risky to insure. Because of that, drivers with good credit will often be rewarded with cheaper rates.

So, which company offers the lowest prices for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

If you have a solid credit score, you'll usually find a better deal with Cig. Drivers with "excellent" credit can save nearly 40% compared to National Mutual, and those with "good" scores can also expect to see savings -- around $67 or 42% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Cig typically offers lower rates than National Mutual when it comes to drivers with bad credit. Drivers with "fair" credit pay about $103 per month less with Cig compared to National Mutual, and those with "poor" scores generally save an average of around $125 monthly.

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

How much you drive can have a substantial impact on your monthly premiums. Typically, the more miles 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 National Mutual charges. However, there's a small difference in monthly prices for Cig, with policyholders who drive the least 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. National Mutual: 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, policyholders who live in heavily-populated urban areas will pay quite a bit more than rural drivers due to the number of vehicles that are on the roads in those areas.

Cig boasts the lowest average prices for drivers in every type of area, no matter if it's urban, suburban, or rural.

For policyholders in urban ZIP codes, Cig offers rates around $128 a month compared to National Mutual's $214. People who live in suburban ZIP codes can expect to pay about $123 a month for Cig and $201 for National Mutual. Lastly, those in rural areas tend to get the most affordable premiums from both companies, with average monthly rates coming in at $106 and $189 for Cig and National Mutual respectively.

Cig vs. National Mutual 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 with what seems like a million different discounts out there, it can be challenging to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

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

Cig knocks National Mutual out of the park when it comes to the sheer number of discounts available, offering 25 different discounts to National Mutual's 19.

Both carriers offer lots of the same discounts -- like advance quote discounts, discounts for being a defensive driver, discounts for insuring multiple cars with the same company, and passive restraint discounts -- but Cig also offers ABS discounts, company car discounts, distant student discounts, and more that National Mutual does not.

On the flip side, National Mutual has a couple unique discounts of its own -- claim free discounts, continuous insurance discounts, discounts for getting driver training, and more.

Final Thoughts: Is Cig or National Mutual Best for You?

So, we've broken down the average premiums for many of the factors car insurance companies look at, and walked through the different discounts each carrier offers, too. But, when it comes down to it, which insurance company is the best company for you, your vehicle, and your wallet?

Cig might be best for you if....

• You have below-average credit.
• Your home is located in the suburbs.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

National Mutual 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 good idea of the differences between Cig and National Mutual. We also hope we've given you the information you need to make the best decision about your insurance.

But, at the end of the day, there's only one way to know for sure that you're getting the best possible deal on car insurance -- comparing quotes from several carriers, not just Cig and National Mutual. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Cig vs. National Mutual FAQs

Is Cig or National Mutual cheaper?

Looking just at the national average prices, Cig is the cheaper of the two carriers, offering average rates of $119 per month compared to $201 for National Mutual. That being said, Cig won't necessarily be the cheapest carrier for every policyholder, since there are multiple different variables that are considered when it comes to your insurance bill.

Who is better, Cig or National Mutual?

Unfortunately, the real answer is "it depends.". No single company is "better" for each driver -- it all boils down to your unique car insurance profile.

Why do Cig and National Mutual offer me different rates?

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

How do I know if Cig or National Mutual 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, sites like Compare.com do all the hard work for you. Just enter your information once 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 premium. And who knows, the best carrier for you might not be Cig or National Mutual 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.