Cse vs. Farmers: Which Company is the Best Fit for You?

Quick Facts

• Based on national averages for auto insurance, Cse offers less expensive rates than Farmers
• Cse has cheaper prices for single people who will be the only person on the insurance policy
• Farmers may help you save more money -- they offer more discounts than CSE Insurance Group

Cse or Farmers: Which Company has the Cheapest Car Insurance?

Are you in the market for a new insurance policy? With so many ads from all sorts of companies offering large savings, you're probably wondering exactly how much you might be able to save.

You might be considering Cse or Farmers as potential options, but which carrier will offer you more affordable premiums?

Looking at the national average rates for both carriers, Farmers has average rates that are around 14% a month more expensive than those from Cse.

However, that doesn't necessarily mean Cse will be the less expensive option for every driver. Car insurance companies use all sorts of complex algorithms to determine rates, so depending on how old you are or how clean your driving record is (among a whole bunch of other factors), you could see wildly different prices from the ones above.

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

Cse vs. Farmers: Average Car Insurance Rates by State

Cse and Farmers only compete against each other in California, where Farmers offers the cheaper average prices. Farmers drivers tend to pay about $7 per month less on average compared to drivers who use Cse for their auto insurance.

But there's more to calculating insurance premiums than just where you call home. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for car insurance compared to older drivers. That's usually because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. As you can see above, teens who use Cse save almost 35% a month compared to those who use Farmers.

That being said, both carriers will decrease premiums by the time you turn 25. Farmers offers the steepest reduction, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Cse's average prices reduce over 50% during that same period.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the cheapest rates out there.

But who has the best prices for retired drivers between Cse and Farmers? Cse gets the edge, with premiums for drivers 65 and older more than 10% more affordable than the national average for Farmers.

Which is the Best Company for Married Drivers?

Did you know that auto insurance rates are typically more expensive for single policyholders than they are for married policyholders? That's normally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For single drivers, the difference in average prices between these two companies is significant, with Cse premiums coming in at about 15% less than Farmers's. It's not quite so glaring for married drivers, where drivers who use Cse save nearly 10% per month.

Cse or Farmers: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to car insurance men will typically end up paying a little more.

Men and women get the same monthly rates with Cse, and around $7 more with Farmers.

Looking at overall affordability, Cse comes out as the most affordable option for both genders. On average, male drivers save about $32 a month and women save about $25 with Cse compared to the average Farmers policyholder.

Cse vs. Farmers: 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, insurance isn't the easiest topic to understand. There are a variety of different coverages that account for a range of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause a collision.

Even so, the most common policies that drivers look at fall into two categories -- liability coverage (that covers bodily injury and property damage for other drivers and their passengers if you cause an accident) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Cse has the significant edge, with average monthly prices coming in at $81. If you want a full coverage policy with the same state minimum limits, Cse again has the edge, with policies averaging around $270 per month to Farmers's $281.

Is Cse or Farmers Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

Accidents and speeding tickets will most likely raise your premiums, but is Cse or Farmers cheaper for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cse for their car insurance can generally expect their monthly bill to go up about 24% after getting a speeding ticket. Farmers policyholders can expect a less drastic increase of around 21%.

That being said, Cse is usually the less expensive option for drivers both with a ticket and with a clean record. With CSE Insurance Group, drivers with a clean record can save about $39 a month and drivers with a speeding ticket can save around $45 per month.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their auto insurance through Cse can expect to see about an $53 -- or around 30% -- rise in their car insurance prices. Drivers who use Farmers for their insurance will see a monthly bill about $62 (or 28%) more expensive after reporting a collision to their auto insurance carrier.

At the end of the day, the more affordable rates come from Cse, with average premiums coming in at $176 compared to Farmers Insurance's $224.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly car insurance bill -- normally a lot more than an accident or ticket. On average, Cse will increase your prices around 49% after a DUI, while Farmers's average rates rise by more than 25%.

How does Credit Score Impact Cse and Farmers Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for a lot of drivers.

Insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which decreases the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Cse and Farmers specifically, which company has the lowest premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have fantastic credit, Farmers Insurance will typically reward you. Jumping from a "good" credit score to an "excellent" one will normally save Farmers Insurance customers about 10%. 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 prices.

Which Company is Best for Drivers with Bad Credit?

Having bad credit usually means you'll also see higher premiums with Farmers Insurance. As you can see, Farmers Insurance customers with poor credit scores pay around 20% a month more than those with fair scores (and even more compared to drivers with good or excellent scores). undefined, on the other hand, doesn't have data available for credit scores, which means drivers with bad credit may find better rates with undefined over Farmers Insurance.

Is Cse or Farmers 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 how much car insurance carriers will charge for coverage. Generally, those who drive less will end up with cheaper rates since there's less of a chance of causing a collision and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Farmers charges. However, there's a pretty significant difference in monthly prices for Cse, with policyholders who drive the least paying about $28 less each month compared to those who drive 12,000 miles every year. Still, for drivers in both categories, Cse is the more affordable company.

Cse or Farmers: 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 sizable impact as well. Normally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders due to the small number of vehicles that are on the roads where they live.

Cse boasts the most affordable average premiums for drivers in every type of area, no matter if it's urban, suburban, or rural.

For drivers in urban ZIP codes, CSE Insurance Group's average rates are around 26% less than Farmers Insurance. People who live in suburban areas pay about 6% less with Cse compared to Farmers. Those in rural areas can expect to save around 5% with Cse compared to Farmers.

Cse vs. Farmers Discounts

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

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

Luckily, we did the hard work for you and looked at all of the different discounts Cse and Farmers offer their customers so that you can see which one offers the most discounts and see which ones you might be able to take advantage of.

Farmers blows Cse away when it comes to the sheer amount of discounts available, offering 23 more discounts than Cse.

A couple of those are overlapping for things like discounts for being a good driver, mature driver discounts, and multi-policy discounts. Farmers also offers discounts for ABS, advance quote, alternative fuel, and more.

On the other hand, Cse has a few proprietary discounts of their own like employee discounts and goverment employee discounts.

Final Thoughts: Is Cse or Farmers Best for You?

You've seen the role certain factors have on your car insurance and the different discounts companies offer. But, when it comes down to it, which insurance carrier is the right company for you, your vehicle, and your wallet?

Cse might be best for you if....

• You don't have any speeding tickets, DUIs, or at-fault collisions on your record.
• Your neighborhood is in a city.
• You drive fewer than 6,000 miles annually.

Farmers might be best for you if...

• Your driving record includes a DUI charge.
• You already have a great credit score.
• You care about discounts (Farmers offers the most).

Hopefully, this guide helps you get a better idea of the difference between Cse and Farmers. We also hope we've given you the information you need to make the best decision about your auto insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from several carriers, not just Cse and Farmers. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get multiple quotes from some of the best car insurance companies in your area, all for free.

Cse vs. Farmers FAQs

Is Cse or Farmers cheaper?

Cse is the cheaper of the two carriers when looking at national average prices, with policies averaging $175 per month with Cse and $203 for Farmers. However, that doesn't mean Cse will be the lowest company for each policyholder, since there are a bunch of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Cse or Farmers?

Unfortunately, the answer truly is "it depends.". Neither carrier is "better" for every policyholder -- it all depends on the makeup of your unique insurance profile. For example, Farmers is less expensive for drivers who have less-than-stellar credit scores, while Cse offers more affordable premiums for policyholders with an at-fault collision on their record.

Why do Cse and Farmers offer me different rates?

Auto insurance companies use quite a few different factors when determining the rates they charge. Variables like where you call home, gender, age, where you park your car, and sometimes even things like your credit score can all be used. Both Cse and Farmers use different formulas, so it's likely they'll offer different prices. The best way to determine which company is the most affordable for you is by comparing personalized quotes from multiple different carriers.

How do I know if Cse or Farmers 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 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 quotes from dozens of your local top insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best company for you isn't Cse or Farmers 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.