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

Quick Facts

• In general, Cse offers significantly more affordable prices than Pure
• Cse offers cheaper average rates for policyholders who live in suburban areas
• Pure offers more discounts than CSE Insurance Group

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

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

You've maybe even narrowed it down to Cse or Pure as your top options, but between the two, which one has less expensive premiums for auto insurance?

As you can see, Cse is quite a bit cheaper than Pure, with prices averaging $175 per month compared to $331 with Pure when looking at the national average rates for insurance.

However, that doesn't mean Cse will necessarily be cheaper than Pure for every driver. Car insurance companies use a ton of complex algorithms to calculate rates, so depending on where you live or how good your credit score is (among many other factors), you could see wildly different prices from the ones above.

So, if you want to find out which of Cse or Pure is really the best for you, keep reading to see average premiums for each carrier broken down by lots of different rate factors.

Cse or Pure: Average Car Insurance Rates by State

Both Cse and Pure only offer insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, Cse offers auto insurance for $175 a month on average. Pure's average rates come out to be over 70% more expensive, at $331 per month.

Typically, your home state will play a pretty big role in how much you pay for car insurance, but since both companies only do business in California, a wide array of other factors will come into play when you compare Cse and Pure. Continue reading to see how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive auto insurance premiums of any group on the road. 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 still, even with seemingly sky-high prices, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of more than $350 less a month by choosing Cse over Pure.

But with both carriers, you'll see your rates reduce significantly by the time you turn 25. For example, average premiums for Cse policyholders lower over 50% and Pure's prices drop more than 55% over that time.

Which is the Best Company for Retired Drivers?

Drivers around retirement age normally enjoy some of the lowest insurance rates you can find. After all, they've likely been driving for quite some time, which typically decreases their chances of accidents and other infractions that can increase prices.

So, which company offers the best premiums to retired drivers? Cse gets the edge, with rates for drivers 65 and older $106 more affordable than the national average for Pure.

Which is the Best Company for Married Drivers?

Did you know that car insurance premiums are generally less expensive for married drivers than they are for single drivers? This usually boils down to married policyholders having more than one car on their policy -- something many auto insurance companies will reward with discounts.

When it comes to relationship status, Cse is the clear winner for those who are single, with prices about $187 per month cheaper than Pure, on average. The advantage for married couples with Cse is also obvious, where drivers save over 45% a month.

Cse vs. Pure: Average Rates by Gender

Women usually to pay less for insurance than men. This is because men are more likely to get speeding tickets and get into accidents, which raises the chances of an insurance claim.

Women and men get the same monthly premiums with Cse; and with Pure, everyone ends up paying the same monthly rates regardless of gender.

Looking at the data for each carrier specifically, Cse comes out on top for both men and women. On average, women save about $156 per month and men save around $156 with Cse compared to the average Pure policyholder.

Cse 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.

Car insurance can be a complicated subject for most people. There are so many different limits and terms that it can make it pretty confusing to find the right policy.

That being said, most policies end up falling into two different types of coverage -- liability only (which provides property damage and bodily injury coverage for other drivers and passengers if you cause an accident) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, Cse normally offers significantly less expensive prices of $81 compared to Pure's $134. When it comes to full coverage policies with similar limits, Cse again has the edge, with policies about $250 a month more affordable than Pure, on average.

Is Cse or Pure Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from 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 tickets and at-fault collisions lead to higher rates, but which company -- Cse or Pure -- has the cheapest prices 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 per month if they get a ticket, while Pure usually raises rates around $80 a month, on average.

Even so, Cse is typically the cheaper option for drivers both with a speeding ticket and with a clean record, offering prices that are 39% and 43% more affordable, respectively, compared to PURE Insurance.

Which Company is Best for Drivers After an Accident?

Cse drivers who get in a collision can expect to see their premiums increase by over 30%, while those who have insurance through Pure will see about a 45% increase.

Overall, the less expensive prices come from Cse, with monthly rates averaging $176 compared to PURE Insurance's $352.

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 auto insurance bill -- generally a lot more than an accident or ticket. For example, Pure increases average premiums by just under $300 per month -- that's just under a 60% increase.

If you have a DUI on your record and are looking for more affordable rates, Cse tends to be the much cheaper option with average prices of $241 monthly compared to $489 from Pure.

How does Credit Score Impact Cse and Pure Rates?

Did you know that many car insurance companies take into account your credit score when calculating rates? Certain states and carriers do not allow for credit score to be used as a rating factor, but it does affect a lot of policyholders out there.

Auto insurance companies argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, drivers with bad credit will often be forced to pay more.

So, which carrier offers the most affordable premiums for policyholders with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Cse or Pure Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on how much insurance carriers will charge for coverage. Usually, those who drive less will end up with more affordable prices 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 annually, as well as those who average twice that figure, Cse tends to be the less expensive option. Pure's average rates for drivers with 6,000 annual miles come in over 40% more expensive than Cse. Those who drive 12,000 miles each year can expect to pay more than 50% more with Pure over Cse.

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

Where your home is can play a considerable role in how much you pay for auto insurance. Generally, those who live in urban areas will pay more than drivers in rural areas because there are a lot more cars on the roads in those areas.

Cse boasts the lowest average prices for drivers in all types of areas, no matter if they're urban, suburban, or rural.

Policyholders in rural ZIP codes see the most affordable premiums from both companies, but Cse comes out on top with average rates around $161 per month. Cse also has cheaper average premiums for drivers in urban and suburban ZIP codes -- a 50% and 43% a month respective difference when compared to Pure policyholders in similar areas.

Cse vs. Pure 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 insurance discounts comes into play.

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

In the table below, we've taken a look at all of the different discounts Cse and Pure 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.

Looking at the total number of discounts, Pure has the advantage when it comes to total number of discounts. Cse offers a grand total of five discounts, while Pure has 10.

There are a couple discounts both carriers offer, but Pure also offers ABS discounts, anti-theft discounts, distant 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 Pure Best for You?

So, we've broken down the average prices for many of the factors auto insurance companies look at, and we've shown you all the discounts each carrier offers. That's all well and good, but when it comes down to it, is Cse or Pure the best company for you, your vehicle, and your wallet?

Cse might be best for you if....

• You've received a ticket for speeding recently and don't want to see your rates rise.
• You want basic car insurance coverage at the state minimum limits.
• You have a short commute.

Pure might be best for you if...

• You care about discounts (Pure offers the most).

We hope this guide helps you get a better idea of the difference between Cse and Pure and that it aids in making a more informed decision about your insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from several carriers, not just Cse and Pure. 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. Pure FAQs

Is Cse or Pure cheaper?

Looking just at the national average premiums, Cse is the less expensive of the two carriers, offering average rates of $175 per month compared to $331 for Pure. But Cse won't necessarily be the cheapest company for everyone, since there are several different variables that are considered when it comes to your insurance payment.

Who is better, Cse or Pure?

Unfortunately, the only answer we can give you is "it depends.". Neither carrier is "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

Why do Cse and Pure offer me different rates?

Insurance companies take a look at lots of different factors when determining the prices they charge drivers. Things such as age, where you park your vehicle, gender, your driving record, and sometimes even things like your credit score can all come into play. Both Cse and Pure calculate rates using different formulas, so each one will most likely offer different prices. The only real way to see which company is the lowest for you is by comparing personalized quotes from multiple different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from multiple 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 cheapest premium. And who knows, the best company for you might not be Cse 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.