Cig vs. Workmen’s Auto: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Cig offers significantly less expensive prices than Workmen's Auto
• Cig has cheaper rates for drivers with a DUI charge on their record
• Cig tends to be a much more affordable option for people who are single and purchasing insurance by yourself

Cig vs. Workmen's Auto: Which Company has the Cheapest Car Insurance?

So, you're considering switching your auto insurance. After all, you've seen ads from all sorts of companies offering large discounts. But exactly how much can you save by switching?

You've maybe even narrowed it down to Cig or Workmen's Auto, but which company has cheaper premiums for auto insurance?

Looking at nationwide averages, Workmen's Auto is about $32 more per month than Cig.

However, Cig may not be the cheapest or best option for every single driver out there. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like where you call home, your age, your driving record, or even your credit score (among other things), so prices could change drastically from person to person.

Wanting to know if Cig or Workmen's Auto is really the right carrier for you? Keep on reading to see how average rates can change based on all of the factors we've mentioned above.

Cig or Workmen's Auto: Average Car Insurance Rates by State

Cig and Workmen's Auto only compete against each other in California, where Cig offers the cheaper average premiums. For California residents, Cig offers insurance for $139 per month on average. Workmen's Auto's average prices come out to be more expensive, at $151 monthly.

That being said, there's a lot more that goes into your car insurance cost than just where you call home. Keep reading to learn more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance rates of any other group of drivers out there on the road. It'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 premiums, teen drivers can still find ways to save money. As you can see above, teens who use Cig save more than $80 a month compared to those who use Workmen's Auto.

That being said, both carriers will decrease rates by the time you turn 25. For example, average prices for Cig policyholders lower over $100 and Workmen's Auto's premiums drop nearly $200 over that time.

Which is the Best Company for Retired Drivers?

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

When looking at Cig and Workmen's Auto specifically, which company is best for retired drivers? Cig gets the edge, with prices for drivers 65 and older $38 less expensive than the national average for Workmen's Auto.

Which is the Best Company for Married Drivers?

Single drivers tend to get offered slightly more expensive auto insurance premiums than married couples. That's because policies for married policyholders typically cover more than one car, which lots of companies will offer you a discount for.

When it comes to relationship status, Cig is the clear winner for single policyholders, with rates around $36 per month more affordable than Workmen's Auto, on average. The advantage for married drivers with Cig is also obvious, where drivers save about $25 a month.

Cig vs. Workmen's Auto: Average Rates by Gender

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

Women usually pay around $4 per month less than men with Cig; and with Workmen's Auto, everyone ends up paying the same monthly prices regardless of gender.

Looking at the data for each carrier specifically, Cig comes out on top for both men and women. On average, male drivers save about $30 a month and women save about $34 with Cig compared to the average Workmen's Auto policyholder.

Cig or Workmen's Auto: 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.

Insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

Even so, the 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 normally refers to having comprehensive and collision coverages in addition to liability coverage).

In this case, Workmen's Auto offers the lowest average rates for state minimum liability insurance, while Cig has the edge for full coverage policies with similar coverage limits. Drivers looking for basic state minimum coverage can save around $4 with Workmen's Auto Insurance, while full coverage comes out to be around $70 cheaper with CIG Insurance.

Is Cig or Workmen's Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from auto insurance carriers offering great premiums for good drivers, but that doesn't mean people with less-than-perfect driving records can't save money, too.

It's no secret secret that at-fault accidents and tickets lead to higher rates, but which company -- Cig or Workmen's Auto -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cig policyholders can expect their premiums to go up an average of $24 per month if they get a ticket, while Workmen's Auto generally raises rates about $34 a month, on average.

But Cig tends to offer the best prices for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 21% less expensive for drivers with clean records and 23% 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 around an $30 -- or about 25% -- increase in their auto insurance prices. Drivers who use Workmen's Auto for their car insurance will see a monthly bill around $45 (or 29%) more expensive after reporting a collision to their auto insurance carrier.

Overall, the less expensive premiums come from Cig, with monthly prices averaging $118 compared to Workmen's Auto Insurance's $156.

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 insurance bill. On average, Workmen's Auto will climb your premiums about 42% after a DUI, while Cig's average rates increase by just under 45%.

If you have a DUI on your record and are looking for more affordable premiums, Cig tends to be the much more affordable option with average prices of $157 a month compared to $191 from Workmen's Auto.

How does Credit Score Impact Cig and Workmen's Auto Rates?

You may not have known, but your credit score can be used as one of the factors to calculate your monthly car insurance rates. This isn't always the case (for example, Michigan and Massachusetts are two states that ban the practice entirely), but it might come into play for a lot of policyholders.

The reasoning auto insurance companies use is that drivers with bad credit will be less likely to pay their bills on time; so typically, they'll be asked to pay more, while those with good credit will be rewarded with cheaper premiums.

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

Which Company is Best for Drivers with Good Credit?

You'll often be rewarded if you have stellar credit. 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?

Having bad credit typically means you'll also see higher premiums with CIG Insurance. For drivers with less-than-stellar credit, at CIG Insurance, you may pay about 30% per month more if you have "poor" credit compared to those with "fair" scores. It's an even larger difference when compared to drivers with "good" or "excellent" scores. On the other hand, because undefined doesn't have data available for credit scores, they may have better prices for drivers with bad credit over CIG Insurance.

Is Cig or Workmen's Auto 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. Normally, those who drive fewer miles will end up with more affordable premiums since there's less of a chance of getting into an accident 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 less expensive option. Cig average prices for drivers with 6,000 annual miles come in just under $15 cheaper than Workmen's Auto. Those who drive 12,000 miles yearly can expect to pay $50 less with Cig over Workmen's Auto.

Cig vs. Workmen's Auto: 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 substantial impact as well. Generally, if you live in an urban area with more cars on the road, you'll pay a little more for car insurance, while the opposite is true for people in rural areas.

Cig boasts the most affordable average rates for drivers in all types of areas, no matter if they're urban, suburban, or rural.

In urban areas, CIG Insurance's average premiums are around $21 less than Workmen's Auto Insurance. Drivers in suburban ZIP codes pay about $31 less with Cig compared to Workmen's Auto. If you live in a rural area, you can expect to save around $43 with Cig compared to Workmen's Auto.

Cig vs. Workmen's Auto Discounts

Regardless of why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as possible, and the best way to do that is by utilizing as many insurance discounts as you can.

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

In the table below, we've broken down all of the different discounts offered by both Cig and Workmen's Auto so that you can see which one can save you the most money each month.

Cig blows Workmen's Auto away when it comes to the sheer amount of discounts available, offering 21 more discounts than Workmen's Auto.

Both carriers offer a lot of the same discounts -- like discounts for being a good driver, mature driver discounts, and renewal discounts -- but Cig also offers ABS discounts, advance quote discounts, anti-theft discounts, and more that Workmen's Auto does not.

On the flip side, Workmen's Auto has a unique discount of its own -- a driver-vehicle combination discounts.

Final Thoughts: Is Cig or Workmen's Auto Best for You?

You've seen the role certain variables have on your car insurance and the different discounts companies offer. But, at the end of the day, which insurance company is the right fit for you?

Cig might be best for you if....

• You have a speeding ticket on your driving record.
• You want to save extra money with discounts.
• You live in a rural neighborhood.

Workmen's Auto might be best for you if...

• You want basic auto insurance coverage at the state minimum limits.

We hope this guide helps you get a better idea of the difference between Cig and Workmen's Auto. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

At the end of the day, the best 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 Workmen's Auto. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best auto insurance companies in your area, all for free.

Cig vs. Workmen's Auto FAQs

Is Cig or Workmen's Auto 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 $151 for Workmen's Auto. However, Cig won't necessarily be the lowest carrier for each driver, since there are multiple different factors that come into play when it comes to your insurance bill.

Who is better, Cig or Workmen's Auto?

Unfortunately, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all comes down to what your unique car insurance profile looks like.

Why do Cig and Workmen's Auto offer me different rates?

Auto insurance companies take a look at quite a few different variables when calculating the rates they charge drivers. Factors like age, your driving record, where your home is, gender, and sometimes even things like your credit score can all be taken into consideration. Both Cig and Workmen's Auto calculate premiums using different variables, so each one will most likely offer different rates. The only real way to see which carrier is the most affordable for you is by comparing personalized quotes from many different carriers.

How do I know if Cig or Workmen's Auto 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 area information and you'll get free quotes from dozens of the best insurance carriers in your area. With those, you can guarantee you're getting the lowest premium. And who knows, the best carrier for you might not be Cig or Workmen's Auto 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.