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

Looking for car insurance and wondering if Cse or Workmen's Auto is the right company for you? If so, you're probably wondering which carrier has the most affordable premiums or the biggest discounts. Luckily, we've done the heavy lifting for you and compared the two companies to help you find the best deal on your next car insurance policy.
Newly insured car driving down the road
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Quick Facts

  • Looking at the national averages for auto insurance, Workmen's Auto offers less expensive rates than Cse
  • Cse offers more discounts than Workmen's Auto Insurance
  • Workmen's Auto tends to be a much cheaper option for residents of rural areas

Cse 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 big discounts. But exactly how much can you save by switching?

You might have narrowed your search down to Cse or Workmen's Auto, but which one will save you the most?

Cse Workmen's Auto

Looking at the national average rates for both companies, Workmen's Auto is about $24 per month more affordable than Cse.

That being said, Workmen's Auto may not be the cheapest or best option for every single driver out there. After all, car insurance carriers can offer drastically different rates to each driver depending on rating factors like your credit score, where you call home, your age, or even your driving record (among other things). So, at the end of the day, prices from every company will differ quite a bit from person to person.

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

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

State Cse Workmen's Auto

Both Cse and Workmen's Auto 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, Workmen's Auto offers insurance for $151 a month on average. Cse's average prices come out to be over 15% more expensive, at $175 monthly.

Typically, where you live will play a hefty role in how much you pay for auto insurance, but since both companies only do business in California, an array of other factors will come into play when you compare Cse and Workmen's Auto. Continue reading to see how other variables will affect your rates.

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Which is the Best Company For Young Drivers?

Cse Workmen's Auto
18-year-old drivers$354$321
25-year-old drivers$173$130

You might already know that teen drivers usually pay a lot more for car insurance than any group out there on the road. It's normally because young, inexperienced drivers are statistically much more likely to get into an accident that results in an insurance claim, making them much riskier to insure.

But that doesn't mean teen drivers can't still save money on their insurance. For example, 18-year-old drivers pay an average of nearly $35 less a month by choosing Workmen's Auto over Cse.

However, both companies will lower rates by the time drivers turn 25. For example, average prices for Cse policyholders drop more than 50% and Workmen's Auto's rates decrease almost 60% over that time.

Which is the Best Company for Retired Drivers?

Cse Workmen's Auto
65+-year-old drivers$128$124

Once you approach retirement age, you'll typically enjoy the lowest auto insurance premiums you'll ever find. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for insurance.

But who has the best rates for retired drivers between Cse and Workmen's Auto? Workmen's Auto gets the slight edge here, with average premiums coming in at around $124 per month compared to Cse's $128. Even so, the difference is only about 5%, so other factors (such as your driving record or where you live) will likely come into play when determining which company has the most affordable prices for you.

Which is the Best Company for Married Drivers?

Cse Workmen's Auto

Did you know that car insurance rates are generally less expensive for married policyholders than they are for those who are single? That's normally because married drivers tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Workmen's Auto is the clear winner for single policyholders, with premiums around $29 per month cheaper than Cse, on average. The advantage for married couples with Workmen's Auto is also obvious, where drivers save over $15 a month.

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

Cse Workmen's Auto

Men are statistically more likely than women to get into accidents and file an insurance claim, which means they'll typically end up paying more for auto insurance than women.

With Cse, everyone ends up paying the same monthly prices regardless of gender; and with Workmen's Auto, both genders end up paying the same monthly price.

Looking at the data for each carrier specifically, Workmen's Auto comes out on top for both men and women. On average, women save about $24 per month and men save about $24 with Workmen's Auto compared to the average Cse policyholder.

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Cse or Workmen's Auto: Compare State Minimum vs. Full Coverage Rates

Cse Workmen's Auto
State Minimum*$81$67
Full Coverage**$270$235

*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, car insurance can be pretty complicated. Everyone needs insurance, but there are so many different terms and coverages that it can be hard to find the right policy.

The two most common policies that many drivers look at fall into two categories -- liability only (that covers property damage and bodily injury for other drivers and their passengers 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, Workmen's Auto generally offers more affordable rates of $67 compared to Cse's $81. When it comes to full coverage policies with similar limits, Workmen's Auto again has the edge, with policies around $35 a month cheaper than Cse, on average.

Is Cse 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.

You'll probably end up paying more with at-fault collisions and tickets on your record, but which of these two companies offers the cheapest rates to drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cse Workmen's Auto
Clean Record$123$111
1 Speeding Ticket$161$145

Cse policyholders can expect their premiums to go up an average of $38 per month if they get a ticket, while Workmen's Auto usually raises prices about $34 a month, on average.

But Workmen's Auto is normally the more affordable option for both drivers who have a recent speeding ticket and those with clean records. Drivers with a clean record can save around $12 per month and drivers with a ticket can save about $16 a month with Workmen's Auto Insurance.

Which Company is Best for Drivers After an Accident?

Cse Workmen's Auto
Clean Record$123$111
1 At-Fault Accident$176$156

Both carriers will increase premiums pretty significantly if you get into an at-fault accident with Cse climbing by just under $55. Workmen's Auto has a less extreme raise, but you can still expect to pay $45 more than you were prior to your first collision.

Overall, drivers who use Workmen's Auto end up with the cheaper prices after an accident, with monthly rates averaging $156 compared to CSE Insurance Group's $176.

Which Company is Best for Drivers with a DUI?

Cse Workmen's Auto
Clean Record$123$111
1 DUI$241$191

If you get a DUI charge on your record, it's probably going to cost you more than a simple speeding ticket or even a collision. For example, Cse increases average prices by over $100 per month -- that's just under a 50% increase.

If you have a DUI on your record and are looking for more affordable premiums, Workmen's Auto tends to be the much less expensive option with average prices of $191 monthly compared to $241 from Cse.

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

In many cases, your credit score can be used as one of the variables to calculate your monthly insurance rates. This isn't always the case (Massachusetts, for example, has banned the use of credit score as a rating factor) but it will come into play for lots of drivers.

The reasoning car insurance companies use is that policyholders with good credit will be more likely to pay their bills on time; so they'll reward them with cheaper premiums, while those with poor credit will generally be forced to pay more.

Looking specifically at Cse and Workmen's Auto, which company has the best rates for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

Cse Workmen's Auto
Excellent Credit ScoreNo Data AvailableNo Data Available
Good Credit ScoreNo Data AvailableNo Data Available

Which Company is Best for Drivers with Bad Credit?

Cse Workmen's Auto
Fair Credit ScoreNo Data AvailableNo Data Available
Poor Credit ScoreNo Data AvailableNo Data Available

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Is Cse or Workmen's Auto Better for Drivers who Work from Home or Have Short Commutes?

Cse Workmen's Auto
6,000 Annual Miles$161$126
12,000 Annual Miles$189$175

Did you know that the amount of time you spend in your car have a substantial impact on your monthly prices? That's because the more miles you put on your vehicle each year, the more likely you are to get into an accident and cause an insurance claim.

For both drivers who put 6,000 miles on their vehicles each year, as well as those who average twice that figure, Workmen's Auto tends to be the more affordable option. Workmen's Auto's average premiums for drivers with 6,000 annual miles come in around 22% cheaper than Cse. Those who drive 12,000 miles annually can expect to pay about 7% less with Workmen's Auto over Cse.

Cse vs. Workmen's Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can have a pretty big impact on your monthly insurance cost. Usually, if you live in a rural area with fewer cars on the road, you'll pay a little less for car insurance, while the opposite is true for people in urban areas.

Cse Workmen's Auto
Urban Areas$186$149
Suburban Areas$178$154
Rural Areas$161$149

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

In urban areas, Workmen's Auto Insurance's average rates are around $37 less than CSE Insurance Group. Drivers in suburban ZIP codes pay about $24 less with Workmen's Auto compared to Cse. If you live in a rural area, you can expect to save around $12 with Workmen's Auto compared to Cse.

Cse vs. Workmen's Auto Discounts

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

The challenging part is finding all of the discounts you can take advantage of, since it can feel sometimes like every carrier has different discounts and each one is advertised differently.

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

Cse Workmen's Auto
Driver-Vehicle Combination Discount 
Employee Discount 
Good Driving Discount
Goverment Employee Discount 
Mature Driver Discount
Multi-Policy Discount 
Renewal Discount 

Looking at the total number of discounts, Cse has a slight advantage when it comes to total number of discounts. Workmen's Auto offers a grand total of four discounts, while Cse has five.

A couple of those are overlapping for things like discounts for being a good driver and mature driver discounts. Cse also offers employee discounts, goverment employee discounts, and multi-policy discounts that Workmen's Auto does not.

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

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

So, we've broken down the average premiums for many of the factors insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, which insurance carrier is the right company for you and your specific needs?

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

  • You have a clean record.
  • You live in an suburban area.
  • You drive fewer than 12,000 miles yearly.

Cse might be best for you if...

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

We hope this guide helps you get a good idea of the differences between Cse 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 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 a handful of companies, not just Cse and Workmen's Auto. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

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Cse vs. Workmen's Auto FAQs

Is Cse or Workmen's Auto cheaper?

Looking just at the national average prices, Workmen's Auto is the less expensive of the two companies, offering average rates of $151 a month compared to $175 for Cse. However, Workmen's Auto won't necessarily be the cheapest company for every driver, since there are a range of different variables that are considered when it comes to your car insurance bill.

Who is better, Cse or Workmen's Auto?

Sadly, the only answer we can give you is "it depends.". One carrier is not necessarily "better" for everyone -- it all depends on the makeup of your unique auto insurance profile.

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

Insurance carriers take a look at a lot of different factors when calculating the rates they charge policyholders. Variables like age, where you park your car, gender, your driving record, and sometimes even things like your credit score can all be taken into consideration. Both Cse and Workmen's Auto calculate premiums using different factors, 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 lots of different companies.

How do I know if Cse or Workmen's Auto is right for me?

The only way to find the car insurance carrier that's right for you is by getting quotes from several 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 auto insurance companies in your area. With those, you can guarantee you're getting the most affordable rate. And who knows, the best company for you might not be Cse or Workmen's Auto 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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