Cse vs. First American Property & Casualty: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for auto insurance, First American Property & Casualty offers slightly more affordable prices than Cse
• Cse has less expensive premiums for policyholders who drive fewer than 12,000 miles yearly
• First American Property & Casualty offers cheaper average prices for people who are single and purchasing insurance by yourself

Cse vs. First American Property & Casualty: Which Company has the Cheapest Car Insurance?

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

You've maybe even narrowed it down to Cse or First American Property & Casualty, but between the two, which carrier will offer you less expensive rates?

Looking at the national average rates for both companies, First American Property & Casualty is about $8 per month more affordable than Cse.

Even so, that doesn't necessarily mean First American Property & Casualty will be the cheaper option for every single driver. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like where you call home, your driving record, your age, or even your credit score (among other things), so premiums will vary quite a bit from person to person.

Wanting to know if Cse or First American Property & Casualty is really the right carrier for you? Keep on reading to see how average prices can change based on all of the factors we've mentioned above.

Cse or First American Property & Casualty: Average Car Insurance Rates by State

Both Cse and First American Property & Casualty only offer auto insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, First American Property & Casualty offers insurance for $167 a month on average. Cse's average premiums come out to be more expensive, at $175 monthly.

Typically, the state you live in will play a hefty role in how much you pay for car insurance, but since both companies only do business in California, a whole bunch of other factors will come into play when you compare Cse and First American Property & Casualty. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance rates of any group on the road. That's generally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But that doesn't mean teen drivers can't still save money on their auto insurance. As you can see above, teens who use Cse save $5 a month compared to those who use First American Property & Casualty.

However, both companies will drop prices once you turn 25. First American Property & Casualty offers the steepest reduction, with 25-year-olds paying less than half what 18-year-old drivers are charged. Cse's average premiums reduce more than 50% during that same period.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best prices to retired drivers? First American Property & Casualty gets the slight edge, with rates for drivers 65 and older around 5% less expensive than the national average for Cse.

Which is the Best Company for Married Drivers?

Did you know that auto insurance prices are usually more expensive for single policyholders than they are for married policyholders? This usually boils down to married drivers having multiple cars on their policy -- something a lot of insurance carriers will reward with discounts.

If you're in the market for car insurance, First American Property & Casualty tends to have the lowest average premiums regardless of if you're married or single, with prices about 4% more affordable for married couples and around 5% less expensive for single drivers.

Cse vs. First American Property & Casualty: Average Rates by Gender

Men are statistically more likely than women to get pulled over for speeding or get into an accident. That means when it comes to auto insurance men will normally end up paying a little more.

With Cse, everyone ends up paying the same monthly rates regardless of gender; women and men end up paying same monthly premiums with First American Property & Casualty.

Looking at the data for each carrier specifically, First American Property & Casualty comes out on top for both men and women, with average prices $8 less for men and $8 cheaper for women.

Cse or First American Property & Casualty: 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 auto insurance, but there are so many different terms and limits that it can be hard to find the right policy.

That being said, most policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers and their passengers if you cause a collision) and full coverage (which usually refers to having comprehensive and collision coverages in addition to liability).

If you're looking for state minimum limits for liability insurance, First American Property & Casualty generally offers cheaper rates of $70 compared to Cse's $81. When it comes to full coverage policies with similar limits, First American Property & Casualty again has the edge, with policies about $7 per month more affordable than Cse, on average.

Is Cse or First American Property & Casualty Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their car insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and accidents lead to higher prices, but which company -- Cse or First American Property & Casualty -- has the cheapest rates for drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Cse policyholders can expect their premiums to go up an average of $38 a month if they get a ticket, while First American Property & Casualty typically raises rates around $26 per month, on average.

But First American Property & Casualty has less expensive premiums for drivers in both categories -- their rates are around 3% more affordable for drivers with clean records and 10% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their insurance through Cse can expect to see about an $53 -- or around 30% -- increase in their auto insurance prices. Drivers who use First American Property & Casualty for their car insurance will see a monthly bill about $26 (or 18%) more expensive after reporting an accident to their auto insurance carrier.

Overall, the less expensive rates come from First American Property & Casualty, with monthly premiums averaging $145 compared to CSE Insurance Group's $176.

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 insurance bill -- normally a lot more than a collision or speeding ticket. First American Property & Casualty drivers usually see a 54% climb in their car insurance prices after a DUI charge, while Cse will usually raise rates by around 49%.

If you have a DUI on your record and are looking for more affordable prices, Cse tends to be the much more affordable option with average premiums of $241 per month compared to $256 from First American Property & Casualty.

How does Credit Score Impact Cse and First American Property & Casualty Rates?

You may not have known, but your credit score can be used as one of the variables to calculate your monthly insurance rates. Certain states and companies do not allow for credit score to be used as a rating factor, but it will come into play for several drivers.

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

Looking at Cse and First American Property & Casualty specifically, which company has the best prices for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Cse or First American Property & Casualty 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 large impact on your monthly car insurance payment? Typically, the more miles you put on your vehicle, the more you can expect to pay for coverage.

Looking specifically at Cse and First American Property & Casualty, First American Property & Casualty is the cheaper option for people who work from home, while First American Property & Casualty has better premiums for those with short commutes. First American Property & Casualty's average prices for drivers with 6,000 annual miles come in about $20 more affordable than Cse. Those who drive 12,000 miles each year can expect to pay around $3 less with Cse over First American Property & Casualty.

Cse vs. First American Property & Casualty: Compare Rates for Urban, Suburban, and Rural Drivers

Where you call home can play a sizable role in how much you pay for auto insurance. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of cars that are on the roads in those areas.

When comparing these two companies side-by-side, First American Property & Casualty boasts the most affordable average rates in rural and urban areas, while Cse wins in suburban areas.

In urban areas, First American Property & Casualty's average premiums are about $172 a month compared to Cse's $186. People in suburban areas pay a monthly rate of around $178 with Cse compared to $188 with First American Property & Casualty. If you live in a rural area, you can expect to pay about $140 monthly with First American Property & Casualty compared to Cse's $161.

Cse vs. First American Property & Casualty Discounts

Regardless of why you might be in the market for a new insurance policy, you're always going to want to save as much money as possible. That's where car insurance discounts comes into play.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you qualify for.

In the section below, we've taken a look at all of the different discounts Cse and First American Property & Casualty offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, First American Property & Casualty comes out ahead with 10 discounts to Cse's five.

Both carriers offer quite a few of the same discounts -- like discounts for being a good driver, mature driver discounts, and multi-policy discounts -- but First American Property & Casualty also offers anti-theft discounts, distant student discounts, good student discounts, and more that Cse does not.

On the flip side, Cse has a couple unique discounts of its own -- employee discounts and goverment employee discounts.

Final Thoughts: Is Cse or First American Property & Casualty Best for You?

You've seen the effect certain factors have on your insurance and the different discounts companies offer. But, at the end of the day, which company is the right carrier for you and your specific needs?

First American Property & Casualty might be best for you if....

• You're single and purchasing car insurance by yourself.
• You live in an urban area.
• You're married and plan to have both of your names on the vehicle's auto insurance policy.

Cse might be best for you if...

• Your neighborhood is in the suburbs.
• You're buying car insurance for a teen and looking for a wallet-friendly option.
• You drive fewer than 12,000 miles annually.

We hope this guide has ben a valuable resource as you compare Cse and First American Property & Casualty. We also hope we've given you the information you need to make the best decision about your auto 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 insurance -- comparing quotes from several carriers, not just Cse and First American Property & Casualty. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your ZIP code below and get multiple free quotes from some of the best car insurance companies in your area, all in just a few minutes.

Cse vs. First American Property & Casualty FAQs

Is Cse or First American Property & Casualty cheaper?

Looking just at the national average prices, First American Property & Casualty is the less expensive of the two carriers, offering average rates of $167 per month compared to $175 for Cse. However, First American Property & Casualty won't necessarily be the lowest carrier for every policyholder, since there are a bunch of different variables that are considered when it comes to your auto insurance cost.

Who is better, Cse or First American Property & Casualty?

Sadly, the answer truly is "it depends.". One company is not "better" for each driver -- it all depends on the makeup of your unique insurance profile.

Why do Cse and First American Property & Casualty offer me different rates?

Car insurance companies take a look at quite a few different factors when calculating the premiums they charge drivers. Things like where you park your vehicle, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both Cse and First American Property & Casualty calculate rates using different variables, so each one will most likely offer different prices. The only real way to see which carrier is the cheapest for you is by comparing personalized quotes from several different carriers.

How do I know if Cse or First American Property & Casualty is right for me?

The only way to find the 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 free quotes from dozens of the best auto insurance carriers in your area. With those, you can guarantee you're getting the lowest price. And who knows, the best carrier for you might not be Cse or First American Property & Casualty 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.