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

Quick Facts

• Based on national averages for car insurance, Cig offers significantly less expensive premiums than Pure
• Cig offers cheaper average rates for drivers who have received a ticket within the last few years
• Cig offers more discounts than PURE Insurance

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

So, you're considering switching your auto insurance. You've probably seen commercials and billboards from companies offering large discounts, but exactly how much money can you save by switching?

You've maybe even narrowed it down to Cig or Pure for your next policy, but between the two, which one will save you the most?

Looking at the national average rates for both companies, Cig is quite a bit cheaper than Pure, with prices averaging $119 per month compared to $331 with Pure.

However, that doesn't necessarily mean Cig will be the more affordable option for every driver. Insurance carriers use a variety of complex algorithms to calculate premiums, so depending on how good your credit score is or how clean your driving record is (among a whole range of other factors), you could see wildly different rates from the ones above.

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

Cig or Pure: Average Car Insurance Rates by State

Cig and Pure only compete against each other in California, where Cig offers the cheaper average rates. For California residents, Cig offers auto insurance for $139 monthly on average. Pure's average prices come out to be over 70% more expensive, at $331 per month.

There are plenty of other factors that go into your car insurance cost than just the state you live in. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- usually pay a lot for auto insurance compared to older drivers. That's generally because young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

But that doesn't mean that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Cig save nearly $500 a month compared to those who use Pure.

That being said, both companies will lower prices by the time drivers turn 25. For example, average premiums for Cig policyholders decrease more than $100 and Pure's rates reduce about $400 over that time.

Which is the Best Company for Retired Drivers?

Once you approach retirement age, you'll normally enjoy the most affordable insurance premiums you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best premiums for retired drivers between Cig and Pure? Cig gets the edge, with prices for drivers 65 and older almost 65% less expensive than the national average for Pure.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically more expensive for single policyholders than they are for married policyholders? That's because policies for married couples generally cover more than one car, which quite a few carriers will offer you a discount for.

When it comes to relationship status, Cig is the clear winner for single drivers, with premiums around $252 per month more affordable than Pure, on average. The advantage for married drivers with Cig is also obvious, where drivers save over $150 a month.

Cig vs. Pure: Average Rates by Gender

Did you know women tend to pay less for auto insurance than men? 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 prices.

Women normally pay about 3% per month less than men with Cig; men and women get the same monthly rates with Pure.

Looking at overall affordability, Cig comes out as the cheapest option for both genders. On average, women save about $214 a month and men save around $210 with Cig compared to the average Pure policyholder.

Cig or Pure: 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. Everyone needs auto insurance, but there are so many different limits and coverages that it can be hard 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 injuries and property damage if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside liability).

If you're looking for state minimum liability insurance, Cig usually offers significantly cheaper prices of $71 compared to Pure's $134. When it comes to full coverage policies with similar limits, Cig again has the edge, with policies about $350 per month less expensive than Pure, on average.

Is Cig or Pure 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.

Tickets and at-fault accidents will most likely raise your premiums, but is Cig or Pure more affordable for drivers with less-than-perfect 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 Pure typically raises prices around $80 per month, on average.

Even so, Cig tends to offer the best prices for both drivers who have clean records and those with a recent speeding ticket -- their rates are around 56% cheaper for drivers with clean records and 60% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Cig drivers who get in a collision can expect to see their premiums climb by $30, while those who have insurance through Pure will see about a $150 increase.

Overall, Cig offers the most affordable rates for drivers with an at-fault accident on their records, with monthly prices averaging $118 compared to PURE Insurance's $352.

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 an accident. Pure drivers usually see a 59% increase in their auto insurance rates after a DUI charge, while Cig will usually climb premiums by around 44%.

If you have a DUI on your record and are looking for more affordable prices, Cig tends to be the much more affordable option with average premiums of $157 a month compared to $489 from Pure.

How does Credit Score Impact Cig and Pure Rates?

You may not realized it, but your credit score can come into play when companies determine your monthly bill. This isn't always the case (Hawaii, for example, has banned the use of credit score as a rating factor) but it might come into play for a lot of policyholders.

Insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the lowest rates for drivers with good, average, or poor credit?

Which Company is Best for Drivers with Good Credit?

Usually, if you have stellar credit, you can expect to be rewarded. With CIG Insurance, improving your score from "good" to "excellent" will generally save you about $15. Because undefined, doesn't have data available for credit scores, they most likely don't use credit to calculate your prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit typically means you'll also see higher premiums with CIG Insurance. As you can see, CIG Insurance customers with poor credit scores pay around $55 a month more than those with fair scores (and even more compared to drivers with good or excellent scores). Because undefined doesn't have data available for credit scores, they could have better rates for drivers with bad credit over CIG Insurance.

Is Cig or Pure 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 pretty big impact on your monthly prices? Normally, those who drive less will end up with cheaper premiums since there's less of a chance of getting into a collision and causing an insurance claim.

For both drivers who put 6,000 miles on their vehicles every year, as well as those who average twice that figure, Cig tends to be the more affordable option. Cig average rates for drivers with 6,000 annual miles come in over $150 cheaper than Pure. Those who drive 12,000 miles annually can expect to pay more than $250 less with Cig over Pure.

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

Where your home is can play a sizable role in how much you pay for car insurance. Usually, 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.

Cig tends to offer the most affordable prices for drivers in all areas, regardless of if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the lowest rates from both companies, but Cig comes out on top with average prices about $106 monthly. Cig also has less expensive average premiums for drivers in urban and suburban ZIP codes -- a $243 and $190 per month respective difference when compared to Pure policyholders in similar areas.

Cig vs. Pure Discounts

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

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

Below, we've compared all of the different discounts offered by Cig and Pure 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 Pure out of the park when it comes to the sheer number of discounts available, offering 15 more discounts than Pure.

There are a couple discounts both carriers offer, but Cig also offers advance quote discounts, company car discounts, defensive driver discounts, and more that Pure does not.

On the flip side, Pure has a unique discount of its own -- a occasional operator discounts.

Final Thoughts: Is Cig or Pure Best for You?

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each company offers, too. That's all well and good, but when it comes down to it, which insurance carrier is the right company for you, your vehicle, and your wallet?

Cig might be best for you if....

• You have a DUI charge on your record.
• Your neighborhood is in a city.
• You drive often but have a short commute.

Pure might be best for you if...

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

We hope this guide has ben a valuable resource as you compare Cig and Pure and that it aids in making a more informed 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 auto insurance -- comparing quotes from a handful of companies, not just Cig and Pure. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance carriers in your area, all in just a few minutes.

Cig vs. Pure FAQs

Is Cig or Pure cheaper?

Looking just at the national average premiums, Cig is the cheaper of the two companies, offering average rates of $119 a month compared to $331 for Pure. But Cig won't necessarily be the cheapest company for each policyholder, since there are many different variables that come into play when it comes to your insurance payment.

Who is better, Cig or Pure?

Unfortunately, the answer truly is "it depends.". No single carrier is "better" for every driver -- it all depends on what your unique auto insurance profile looks like.

Why do Cig and Pure offer me different rates?

Car insurance carriers take a look at lots of different factors when calculating the prices they charge drivers. Variables like where you park your vehicle, gender, age, where you live, and sometimes even things like your credit score can all be used. Both Cig and Pure calculate premiums differently, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from a range of different companies.

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

The only way to find the insurance carrier that's right for you is by getting quotes from multiple carriers 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 ZIP code and you'll get free quotes from dozens of the best car insurance companies in your area. With those, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Cig or Pure 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.