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

Quick Facts

• In general, Cumberland Mutual offers significantly cheaper rates than Motorists
• Cumberland Mutual offers less expensive average prices for couples purchasing insurance together
• Motorists tends to be a much more affordable option for residents of urban areas

Cumberland Mutual vs. Motorists: 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 hefty discounts. But exactly how much can you save by switching?

You've maybe even narrowed your search down to Cumberland Mutual or Motorists, but which company will save you the most?

Looking at nationwide averages, Cumberland Mutual is about $58 per month less expensive than Motorists.

But that doesn't necessarily mean Cumberland Mutual will be the more affordable option for each driver. After all, car insurance companies can offer drastically different rates to each driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things), so premiums will differ quite a bit from person to person.

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

Cumberland Mutual or Motorists: Average Car Insurance Rates by State

Cumberland Mutual and Motorists only compete against each other in one states, with Cumberland Mutual offering cheaper prices to the average driver in all of them. Pennsylvania has the most noticable difference, where Cumberland Mutual premiums are over 70% less expensive than auto insurance rates at Motorists.

There are plenty of other factors that go into your car insurance bill than just where you call home. Continue reading to learn more about how other factors will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive insurance prices of any other group of drivers. It's because young, inexperienced drivers are statistically much more likely to get into an accident that results in a car insurance claim, making them much riskier to insure.

However, that doesn't mean that teen drivers have to just accept sky-high auto insurance rates. For example, 18-year-old drivers pay an average of $35 less a month by choosing Motorists over Cumberland Mutual.

Even so, with both carriers, you'll see your prices reduce significantly by the time you turn 25. For example, average premiums for Cumberland Mutual policyholders lower more than 55% and Motorists's prices drop nearly 45% over that time.

Which is the Best Company for Retired Drivers?

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

So, which company offers the best prices to retired drivers? Cumberland Mutual gets the edge, with premiums for drivers 65 and older $98 more affordable than the national average for Motorists.

Which is the Best Company for Married Drivers?

Did you know that insurance rates are typically cheaper for married couples than they are for single policyholders? That's usually because married policyholders tend to own and insure more than one car, which can often earn you a discount.

When it comes to relationship status, Cumberland Mutual is the clear winner for those who are single, with premiums around $46 per month more affordable than Motorists, on average. The advantage for married drivers with Cumberland Mutual is also obvious, where drivers save almost 35% a month.

Cumberland Mutual vs. Motorists: Average Rates by Gender

Because men are more likely to get into accidents and get speeding tickets, they are more likely to file a claim with insurance. Therefore, insurance companies will tend to offer men more expensive prices.

Women generally pay about 5% per month less than men with Cumberland Mutual, and around 5% less with Motorists.

Looking at the data for each carrier specifically, Cumberland Mutual offers the most affordable average rates for both men and women, with average premiums $60 less for men and $57 cheaper for women.

Cumberland Mutual or Motorists: 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 auto insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

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

If you're looking for state minimum liability insurance, Cumberland Mutual typically offers less expensive rates of $106 compared to Motorists's $123. When it comes to full coverage policies with similar limits, Cumberland Mutual again has the edge, with policies about $100 a month cheaper than Motorists, on average.

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

You've probably seen plenty of commercials from car insurance carriers offering great prices 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 at-fault collisions and tickets lead to higher premiums, but which company -- Cumberland Mutual or Motorists -- has the cheapest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Cumberland Mutual policyholders can expect their prices to go up an average of $18 per month if they get a ticket, while Motorists usually raises rates around $18 a month, on average.

That being said, Cumberland Mutual is typically the more affordable option for both drivers who have a recent speeding ticket and those with clean records, offering premiums that are $0 and $0 cheaper, respectively, compared to Motorists Insurance Group.

Which Company is Best for Drivers After an Accident?

Cumberland Mutual drivers who get in a collision can expect to see their prices climb by just under $15, while those who have insurance through Motorists will see about a $35 increase.

Overall, drivers who use Cumberland Mutual end up with the cheaper prices after an accident, with monthly premiums averaging $183 compared to Motorists Insurance Group's $206.

Which Company is Best for Drivers with a DUI?

On average, a DUI offense is going to cost you much more than a single accident or ticket when it comes to your insurance bill. For example, Motorists increases average prices by over $250 per month -- that's over a 60% increase.

If you have a DUI on your record and are looking for more affordable rates, Cumberland Mutual tends to be the much less expensive option with average premiums of $233 per month compared to $442 from Motorists.

How does Credit Score Impact Cumberland Mutual and Motorists Rates?

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

Insurance companies 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.

So, which carrier offers the best prices for drivers 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 Cumberland Mutual or Motorists 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 premiums. That's because the fewer miles you drive, the less 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, Cumberland Mutual tends to be the more affordable option. Motorists's average rates for drivers with 6,000 annual miles come in around 22% more expensive than Cumberland Mutual. Those who drive 12,000 miles annually can expect to pay about 25% more with Motorists over Cumberland Mutual.

Cumberland Mutual vs. Motorists: Compare Rates for Urban, Suburban, and Rural Drivers

Where you live can play a substantial role in how much you pay for auto insurance. Usually, those who live in rural areas will pay less than policyholders in urban areas because there are a lot fewer vehicles on the road in those areas, which decreases the chances of an accident.

Cumberland Mutual boasts the cheapest average rates in rural and suburban areas, while Motorists wins in urban areas.

If you live in a rural area, you can expect to pay around $116 a month with Cumberland Mutual compared to Motorists's $252. People in suburban areas pay a monthly premium of about $132 with Cumberland Mutual compared to $215 with Motorists. For drivers in urban ZIP codes, Motorists's average prices are around $286 while Cumberland Mutual offers rates about $330.

Cumberland Mutual vs. Motorists Discounts

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

The difficult part is finding all of the discounts you qualify for, 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 Cumberland Mutual and Motorists so that you can see which one can save you the most money each month.

Looking at the total number of discounts, Cumberland Mutual comes out ahead with 15 discounts to Motorists's 14.

Both carriers offer many of the same discounts -- like ABS discounts, anti-theft discounts, and multi-policy discounts -- but Cumberland Mutual also offers distant student discounts, driver training discounts, employee discounts, and more that Motorists does not.

On the flip side, Motorists has a couple unique discounts of its own -- advance quote discounts, empty nester discounts, discounts for being a homeowner, and more.

Final Thoughts: Is Cumberland Mutual or Motorists 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 when it comes down to it, which company is the best company for you and your specific profile and needs?

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

• You have a DUI charge on your record.
• You're looking for discounts -- Cumberland Mutual has the most.
• You live in a rural neighborhood.

Motorists might be best for you if...

• Your home is in a busy urban area.
• You're buying car insurance for a teen and looking for a wallet-friendly option.

We hope this guide helps you get a good idea of the differences between Cumberland Mutual and Motorists. We also hope we've given you the information you need to make the best 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 multiple carriers, not just Cumberland Mutual and Motorists. Luckily, Compare.com does all the hard work for you. Just 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. Motorists FAQs

Is Cumberland Mutual or Motorists cheaper?

Looking just at the national average prices, Cumberland Mutual is the cheaper of the two carriers, offering average rates of $193 a month compared to $251 for Motorists. Even so, Cumberland Mutual won't necessarily be the most affordable carrier for every policyholder, since there are lots of different factors that are considered when it comes to your auto insurance cost.

Who is better, Cumberland Mutual or Motorists?

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

Why do Cumberland Mutual and Motorists offer me different rates?

Car insurance companies take a look at quite a few different variables when determining the premiums they charge drivers. Factors like your driving record, age, where you call home, gender, and sometimes even things like your credit score can all be taken into consideration. Both Cumberland Mutual and Motorists calculate prices using different variables, so each one will most likely offer different premiums. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from many different carriers.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several 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 ZIP code and you'll get free quotes from dozens of the best car insurance carriers in your area. With those, you can guarantee you're getting the cheapest price. And who knows, the best carrier for you might not be Cumberland Mutual or Motorists 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.