Cumberland Mutual vs. Esurance: Which Company is the Best Fit for You?

Quick Facts

• Looking at the national averages for car insurance, Cumberland Mutual offers significantly less expensive premiums than Esurance
• Cumberland Mutual has cheaper rates for policyholders who don't have any speeding tickets, DUIs, or at-fault collisions on their record
• Esurance may help you save more money -- they offer more discounts than Cumberland Mutual

Cumberland Mutual or Esurance: Which Company has the Cheapest Car Insurance?

So, you're considering switching to 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've maybe even narrowed your search down to Cumberland Mutual or Esurance as potential options, but which carrier has more affordable prices for insurance?

Looking at nationwide averages, Cumberland Mutual is quite a bit cheaper than Esurance, with rates averaging $193 a month compared to $299 with Esurance.

However, Cumberland Mutual may not be the cheapest or best option for every single driver out there. Car insurance carriers use tons of complex algorithms to determine premiums, so depending on how clean your driving record is or where you live (among a range of other factors), you could see wildly different prices from the ones above.

Luckily, we've broken down average premiums from both Cumberland Mutual and Esurance by lots of different rate factors, so read on to find out which carrier is the best for you.

Cumberland Mutual vs. Esurance: Average Car Insurance Rates by State

Cumberland Mutual and Esurance only compete against each other in two states, with Cumberland Mutual offering less expensive rates to the average driver in all of them. Pennsylvania has the most noticable difference, where Cumberland Mutual prices are $128 more affordable than auto insurance rates at Esurance.

That being said, there's a lot more that goes into your insurance cost than just your home state. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. The reason is that teen 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 that doesn't mean that teen drivers have to just accept sky-high car insurance premiums. For example, 18-year-old drivers pay an average of over 35% less per month by choosing Cumberland Mutual over Esurance.

Even so, both companies will lower rates by the time you turn 25. Esurance offers the steepest decrease, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. That being said, Cumberland Mutual still has the lowest prices at $196 a month.

Which is the Best Company for Retired Drivers?

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

But who has the best premiums for retired drivers between Cumberland Mutual and Esurance? Cumberland Mutual gets the edge, with rates for drivers 65 and older almost 50% cheaper than the national average for Esurance.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive auto insurance premiums than married couples. That's because policies for married drivers typically cover more than one vehicle, which many carriers will give you a discount for.

For those who are single, the difference in average rates between these two companies is significant, with Cumberland Mutual prices coming in at a third less than Esurance's. The advantage for married policyholders with Cumberland Mutual is also obvious, where drivers save more than 30% a month.

Cumberland Mutual or Esurance: Average Rates by Gender

Men are statistically more likely than women to get tickets and get into collisions, which means they'll usually end up paying more for insurance than women.

Men normally pay around 5% more per month than women with Cumberland Mutual, and about 7% with Esurance.

Looking at overall affordability, Cumberland Mutual comes out as the lowest option for both genders, with average premiums 36% less for men and 35% cheaper for women.

Cumberland Mutual vs. Esurance: 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, auto insurance isn't the easiest topic to understand. There are so many different terms and coverages that it can make it pretty confusing to find the right policy for you.

The two most common policies that drivers look at fall into two categories -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which generally refers to having collision and comprehensive coverages in addition to what you get with liability coverage).

Looking specifically at state minimum limits for liability insurance, Cumberland Mutual has the significant edge, with average monthly rates coming in at $106. If you want a full coverage policy with the same state minimum limits, Cumberland Mutual again has the edge, with policies averaging around $280 a month to Esurance's $396.

Is Cumberland Mutual or Esurance Better for Drivers with Spotty Records?

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

You'll probably end up paying more with speeding tickets and accidents on your record, but which of these two carriers offers the cheapest prices to drivers with spotty records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cumberland Mutual for their insurance can typically expect their monthly bill to go up about 10% after getting a speeding ticket. Esurance policyholders can expect a bit more drastic of an increase of around 16%.

That being said, Cumberland Mutual has less expensive premiums for drivers in both categories, offering prices that are 30% and 35% cheaper, respectively, compared to Esurance.

Which Company is Best for Drivers After an Accident?

Cumberland Mutual drivers who get in an accident can expect to see their rates climb by just under $15, while those who have insurance through Esurance will see about a $100 increase.

At the end of the day, drivers who use Cumberland Mutual end up with the cheaper prices after an accident, with average prices coming in at $183 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single collision or ticket when it comes to your car insurance bill. Cumberland Mutual drivers usually see a 27% climb in their auto insurance premiums after a DUI charge, while Esurance will usually increase rates by around 20%.

How does Credit Score Impact Cumberland Mutual and Esurance Rates?

Did you know many car insurance companies take into account your credit score when determining premiums? This isn't true for everyone (for example, California and Massachusetts are two states that ban the practice entirely), but it will come into play for several policyholders.

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

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

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Cumberland Mutual or Esurance 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 your monthly prices. That's because the more milage you put on your car each year, the more likely you are to be in a collision and file an insurance claim.

For both remote workers and those taking short commutes, Cumberland Mutual tends to be the cheaper option. Cumberland Mutual average rates for drivers with 6,000 annual miles come in more than $100 less expensive than Esurance. Those who drive 12,000 miles yearly can expect to pay over $100 less with Cumberland Mutual over Esurance.

Cumberland Mutual or Esurance: 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 substantial impact as well. Generally, 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.

Cumberland Mutual boasts the lowest average premiums for drivers in all areas, regardless of if they're urban, suburban, or rural.

In urban areas, Cumberland Mutual's average rates are about $330 while Esurance offers prices around $396. People in suburban areas pay about $132 with Cumberland Mutual compared to Esurance's $288 per month. Those in rural areas can expect to pay around $116 monthly with Cumberland Mutual compared to Esurance's $211.

Cumberland Mutual vs. Esurance Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

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

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Cumberland Mutual and Esurance so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Esurance knocks Cumberland Mutual out of the park when it comes to the sheer number of discounts available, offering nine more discounts than Cumberland Mutual.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good driver, and paid in full discounts. Esurance also offers discounts for advance quote, agency transfer, DRL, and more.

On the other hand, Cumberland Mutual has a few proprietary discounts of their own for things like distant student discounts, driver training discounts, employee discounts, and more.

Final Thoughts: Is Cumberland Mutual or Esurance Best for You?

You've seen the role certain variables have on your auto insurance and the different discounts companies offer. 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 driver profile?

Cumberland Mutual might be best for you if....

• You will be the only person on the car insurance policy.
• Your home is in a busy urban area.
• You live in a rural neighborhood.

Esurance might be best for you if...

• You already have plans to move to another state -- undefined only offers policies to residents.
• You're looking for the company with the most discounts.

Hopefully, this guide helps you get a good idea of the differences between Cumberland Mutual and Esurance and that it aids in making a more informed decision about your 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 auto insurance -- comparing quotes from a handful of carriers, not just Cumberland Mutual and Esurance. Luckily, sites like Compare.com make it easy for you to do just that. Simply enter your ZIP code below and get free quotes from dozens of the top car insurance companies in your area, all in just a few minutes.

Cumberland Mutual vs. Esurance FAQs

Is Cumberland Mutual or Esurance cheaper?

Cumberland Mutual is the more affordable of the two carriers when looking at national average rates, with policies averaging $193 per month with Cumberland Mutual and $299 for Esurance. But that doesn't mean Cumberland Mutual will be the most affordable carrier for every policyholder, since there are many different factors (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Cumberland Mutual or Esurance?

Sadly, the answer truly is "it depends.". No single company is "better" for everyone -- it all boils down to your unique insurance profile.

Why do Cumberland Mutual and Esurance offer me different rates?

Auto insurance companies use a lot of different variables when calculating the premiums they charge. Things like your driving record, age, gender, where you call home, and sometimes even things like your credit score can all be used. Both Cumberland Mutual and Esurance use different formulas, so it's likely they'll offer different prices. The best way to determine which carrier is the lowest for you is by comparing personalized quotes from a range of different carriers.

How do I know if Cumberland Mutual or Esurance is right for me?

The only way to find the insurance company 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 area information and you'll get quotes from dozens of your local top car insurance carriers for free. With those, you can guarantee you're getting the best premium. And maybe you'll find that the best carrier for you isn't Cumberland Mutual or Esurance 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.