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

You've probably seen ads offering big savings on insurance, but are Cse or State National right for you? Which company offers the most affordable prices, or the most discounts? Read on to see how Cse and State National compare, and to find out which carrier is the best one for you, your vehicle, and your budget.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for car insurance, State National offers slightly less expensive premiums than Cse
  • Cse offers more affordable rates for drivers with a DUI charge on their record
  • State National has cheaper premiums for residents of urban areas

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

Are you in the market for a new insurance policy? You've probably seen commercials and billboards from companies offering huge discounts, but exactly how much money can you save by switching?

You might have narrowed your search down to Cse or State National as potential options, but between the two, which one will offer you more affordable prices?

Cse State National

Looking at the national average rates for both companies, State National is about $16 per month less expensive than Cse.

However, that doesn't necessarily mean State National will be the more affordable option for each driver. Auto insurance carriers use a ton of complex algorithms to calculate rates, so depending on how old you are or how good your credit score is (among a range of other factors), you could see wildly different premiums from the ones above.

Luckily, we've broken down average rates from both Cse and State National by a variety of different rate factors, so read on to find out which company is the best for you.

Cse or State National: Average Car Insurance Rates by State

State Cse State National

Both Cse and State National only offer car insurance in California, so you'll see that the average figures here will mirror the ones we mentioned above. For California residents, State National offers insurance for $159 a month on average. Cse's average prices come out to be more expensive, at $175 per month.

Typically, the state you live in will play a pretty big role in how much you pay for auto insurance, but since both companies only do business in California, several other factors will come into play when you compare Cse and State National. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Cse State National
18-year-old drivers$354$318
25-year-old drivers$173$154

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

Even so, that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. As you can see above, teens who use State National save more than $35 a month compared to those who use Cse.

That being said, both companies will lower prices by the time drivers turn 25. For example, average rates for Cse policyholders drop over 50% and State National's prices decrease more than 50% over that time.

Which is the Best Company for Retired Drivers?

Cse State National
65+-year-old drivers$128$118

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

When looking at Cse and State National specifically, which carrier is best for retired drivers? State National gets the slight edge, with rates for drivers 65 and older $10 cheaper than the national average for Cse.

Which is the Best Company for Married Drivers?

Cse State National

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

When it comes to relationship status, State National is the clear winner for those who are single, with prices around $23 per month more affordable than Cse, on average. It's not quite so glaring for married couples, where drivers who use State National save about $5 a month.

Cse vs. State National: Average Rates by Gender

Cse State National

Because men are more likely to get tickets and get into accidents, they have an increased chance of filing a claim with insurance. Therefore, men tend to pay more for car insurance than women.

Everyone gets the same monthly rates regardless of gender with Cse; men and women end up paying the same monthly prices with State National.

When it comes to the lowest premiums for each gender, State National comes out on top for both men and women. On average, male drivers save about $16 per month and women save around $16 with State National compared to the average Cse policyholder.

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Cse or State National: Compare State Minimum vs. Full Coverage Rates

Cse State National
State Minimum*$81$79
Full Coverage**$270$240

*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.

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

The two most common policies end up falling into two different types of coverage -- liability only (that covers bodily injury and property damage for other drivers if you cause an accident) and full coverage (which includes two additional coverages -- comprehensive and collision -- alongside what you get with a liability policy).

If you're looking for state minimum limits for liability insurance, State National normally offers slightly less expensive prices of $79 compared to Cse's $81. When it comes to full coverage policies with similar limits, State National again has the edge, with policies about $30 a month cheaper than Cse, on average.

Is Cse or State National 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.

At-fault collisions and tickets will most likely raise your rates, but is Cse or State National more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cse State National
Clean Record$123$102
1 Speeding Ticket$161$142

Cse policyholders can expect their premiums to go up an average of $38 per month if they get a ticket, while State National typically raises prices around $40 a month, on average.

But State National tends to offer the best prices for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save about $21 per month and drivers with a ticket can save around $19 a month with State National.

Which Company is Best for Drivers After an Accident?

Cse State National
Clean Record$123$102
1 At-Fault Accident$176$142

Cse drivers who get in a collision can expect to see their premiums increase by just under $55, while those who have insurance through State National will see about a $40 increase.

Overall, the cheaper rates come from State National, with monthly premiums averaging $142 compared to CSE Insurance Group's $176.

Which Company is Best for Drivers with a DUI?

Cse State National
Clean Record$123$102
1 DUI$241$252

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even an accident. On average, State National will raise your prices around 60% after a DUI, while Cse's average rates climb by just under 50%.

If you have a DUI on your record and are looking for more affordable prices, Cse tends to be the much less expensive option with average rates of $241 monthly compared to $252 from State National.

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How does Credit Score Impact Cse and State National Rates?

You may not realized it, but your credit score can be used as one of the variables to determine your monthly car insurance premiums. Certain states and companies do not allow for credit score to be used as a rating factor, but it does affect many policyholders out there.

The reasoning insurance carriers use is that drivers with bad credit will be less likely to pay their bills on time; so generally, they'll be asked to pay more, while those with good credit will be rewarded with more affordable prices.

Looking specifically at Cse and State National, which carrier has the best premiums for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Cse State National
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

Cse State National
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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

Cse State National
6,000 Annual Miles$161$141
12,000 Annual Miles$189$178

Did you know that the amount of time you spend in your car have a big impact on your monthly rates? Usually, the more miles you put on your vehicle, the more you can expect to pay for coverage.

For both drivers who put 6,000 miles on their vehicles yearly, as well as those who average twice that figure, State National offers less expensive premiums than Cse. State National's average prices for drivers with 6,000 annual miles come in over 10% cheaper than Cse. Those who drive 12,000 miles each year can expect to pay 6% less with State National over Cse.

Cse vs. State National: 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 auto insurance, but the type of area you live in can have a considerable impact as well. Normally, if you live in an urban area with more cars on the road, you'll pay a little more for insurance, while the opposite is true for people in rural areas.

Cse State National
Urban Areas$186$173
Suburban Areas$178$163
Rural Areas$161$143

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

Drivers in rural ZIP codes see the cheapest rates from both companies, but State National comes out on top with average prices about $143 a month. State National also has less expensive average premiums for policyholders in urban and suburban ZIP codes -- a $13 and $15 per month respective difference when compared to Cse drivers in similar areas.

Cse vs. State National 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, and the best way to do that is by utilizing as many auto insurance discounts as you can.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you can take advantage of 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 Cse and State National so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Cse State National
Anti-Theft Discount 
Auto-Pilot Discount 
Distant Student Discount 
Employee Discount 
Good Driving Discount
Good Student Discount 
Goverment Employee Discount 
Group Discount 
Mature Driver Discount
Multi-Car Discount 
Multi-Policy Discount 
Passive Restraint Discount 
Renewal Discount 

Overall, State National has the advantage when it comes to total number of discounts. Cse offers a grand total of five discounts, while State National has 10.

A couple of those are overlapping for things like discounts for being a good driver and mature driver discounts. State National also offers anti-theft discounts, auto-pilot 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, goverment employee discounts, and multi-policy discounts.

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Final Thoughts: Is Cse or State National Best for You?

You've seen the role certain factors have on your insurance and the different discounts carriers offer. But, at the end of the day, is Cse or State National the right company for you and your specific profile and needs?

State National might be best for you if....

  • You're looking for discounts -- State National has the most.
  • Your neighborhood is in the suburbs.
  • You're buying auto insurance for a teen and looking for a wallet-friendly option.

Cse might be best for you if...

  • You have a DUI charge on your record.

We hope this guide helps you get a good idea of the differences between Cse and State National and that it aids in making a more informed decision about your car 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 multiple companies, not just Cse and State National. Luckily, Compare.com makes it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top insurance carriers in your area, all in just a few minutes.

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Cse vs. State National FAQs

Is Cse or State National cheaper?

Looking just at the national average prices, State National is the cheaper of the two companies, offering average rates of $159 a month compared to $175 for Cse. That being said, State National won't necessarily be the lowest company for every policyholder, since there are lots of different variables that come into play when it comes to your car insurance payment.

Who is better, Cse or State National?

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

Why do Cse and State National offer me different rates?

Car insurance carriers take a look at a lot of different factors when calculating the rates they charge policyholders. Things like where you park your car, gender, age, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Cse and State National calculate prices using different formulas, so each one will most likely offer different rates. The only real way to see which company is the most affordable for you is by comparing personalized quotes from many different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from a handful of carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com do all the hard work for you. Just enter your area information and you'll get free quotes from dozens of the best insurance companies in your area. That way, you can guarantee you're getting the cheapest price. And who knows, the best company for you might not be Cse or State National at all!


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.

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