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

Quick Facts

• Based on national averages for auto insurance, Omni offers slightly cheaper premiums than Cumberland Mutual
• Cumberland Mutual offers more affordable rates for residents of rural areas
• Omni tends to be a much more affordable option for residents of urban areas

Cumberland Mutual vs. Omni: 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 large discounts, but exactly how much money can you save by switching?

You might have narrowed it down to Cumberland Mutual or Omni, but between the two, which carrier will offer you less expensive premiums?

Looking at nationwide averages, Omni is about $12 per month more affordable than Cumberland Mutual.

That being said, Omni may not be the lowest or best option for every driver out there. Car insurance companies use a ton of complex algorithms to calculate prices, so depending on how clean your driving record is or how good your credit score is (among a range of other factors), you could see wildly different premiums from the ones above.

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

Cumberland Mutual or Omni: Average Car Insurance Rates by State

Cumberland Mutual and Omni 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 20% less expensive than auto insurance prices at Omni.

But there's more to insurance than just the state you live in. As we mentioned above, there's a lot of things that go into how auto insurance carriers determine your rates. Keep reading to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance prices of any group out there on the road. The reason is that 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.

Even so, that doesn't mean teen drivers can't still save money on their insurance. Just look at the table above -- where 18-year-old drivers who have Cumberland Mutual for their auto insurance pay more than $20 less than those who use Omni.

However, both companies will offer you dramatically lower premiums by the time you turn 25. For example, average rates for Cumberland Mutual policyholders drop over $250 and Omni's premiums decrease nearly $350 over that time.

Which is the Best Company for Retired Drivers?

When it comes to insurance, patience and experience pay off, with drivers around retirement age paying some of the most affordable prices you'll ever see.

So, which company offers the best rates to retired drivers? Cumberland Mutual gets the slight edge, with premiums for drivers 65 and older almost 10% more affordable than the national average for Omni.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be more expensive for single drivers than they are for married couples. This usually boils down to married drivers having multiple cars on their policy -- something several insurance carriers will reward with discounts.

When it comes to relationship status, the two companies are comparable for single policyholders, with prices only differing around $5 a month, on average. But for married policyholders, the advantage is clear - Omni offers the cheapest average premiums.

Cumberland Mutual vs. Omni: Average Rates by Gender

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 generally pay more for auto insurance than women.

Generally, women see prices about 5% per month less with Cumberland Mutual, and nearly 10% less with Omni when compared to their male counterparts.

Looking at the data for each carrier specifically, Omni offers the most affordable average rates for both men and women, with average prices $8 less for men and $14 cheaper for women.

Cumberland Mutual or Omni: 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 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.

The two most common policies end up falling into two different types of coverage -- liability only (which provides bodily injury and property damage coverage for other drivers and their passengers 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 limits, Omni typically offers slightly less expensive rates of $104 compared to Cumberland Mutual's $106. When it comes to full coverage policies with similar limits, Omni again has the edge, with policies around $20 a month cheaper than Cumberland Mutual, on average.

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

It's no big secret that drivers who are accident-free get better deals on their auto insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that tickets and at-fault accidents lead to higher premiums, but which company -- Cumberland Mutual or Omni -- has the cheapest rates for drivers with spotty 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 Omni usually raises premiums about $7 a month, on average.

But Omni is typically the less expensive option for both drivers who have a recent speeding ticket and those with clean records -- their rates are around 1% more affordable for drivers with clean records and 6% cheaper for those with a ticket.

Which Company is Best for Drivers After an Accident?

Both carriers will increase rates pretty significantly if you get into an at-fault accident with Omni raising by $35. Cumberland Mutual has a less extreme increase, but you can still expect to pay just under $15 more than you were prior to your first collision.

Overall, Cumberland Mutual offers the lowest premiums for drivers with an at-fault accident on their records, with monthly prices averaging $183 compared to Omni Insurance's $203.

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 insurance bill. For example, Cumberland Mutual increases average rates by nearly $65 per month -- that's over a 25% increase.

If you have a DUI on your record and are looking for more affordable prices, Omni tends to be the much more affordable option with average premiums of $178 a month compared to $233 from Cumberland Mutual.

How does Credit Score Impact Cumberland Mutual and Omni Rates?

You may not have known, but your credit score can come into play when companies calculate your monthly bill. This isn't always the case (for example, California and Massachusetts are two states that ban the practice entirely), but it might come into play for a lot of drivers.

Car insurance carriers argue that those with poor credit scores are less likely to pay their bills on time each month, which increases the risk involved on their end, while the opposite is true for those with good credit.

Looking at Cumberland Mutual and Omni specifically, which one has the cheapest rates for policyholders at different credit levels?

Which Company is Best for Drivers with Good Credit?

Which Company is Best for Drivers with Bad Credit?

Is Cumberland Mutual or Omni Better for Drivers who Work from Home or Have Short Commutes?

Did you know that the amount of time you spend in your car have a pretty big impact on your monthly auto insurance payment? That's because the fewer miles you put on your vehicle each year, the less likely you are to get into a collision and cause an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Omni charges. However, there's a small difference in monthly premiums for Cumberland Mutual, with policyholders who drive the least paying around $1 less every month compared to those who drive 12,000 miles annually. Still, Omni is the less expensive option for drivers in both categories.

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

Where you park your car can have a considerable impact on your monthly car insurance bill. 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.

Cumberland Mutual tends to offer the most affordable option for drivers in rural and suburban areas, while Omni wins in urban areas.

For drivers in urban ZIP codes, Omni's average prices are about $267 while Cumberland Mutual offers premiums around $330. Drivers in suburban ZIP codes pay about $132 with Cumberland Mutual compared to Omni's $143 monthly. Those in rural areas can expect to pay around $116 per month with Cumberland Mutual compared to Omni's $134.

Cumberland Mutual vs. Omni Discounts

Regardless of 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 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 find all the ones you qualify for 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 Cumberland Mutual and Omni so that you can see which company offers the most discounts and see which ones you might be able to take advantage of.

Overall, Cumberland Mutual comes out ahead with 15 discounts to Omni's 13.

There are a couple discounts both companies offer, but Cumberland Mutual also offers ABS discounts, distant student discounts, driver training discounts, and more that Omni does not.

On the flip side, Omni has a couple unique discounts of its own -- advance quote discounts, agency transfer discounts, cellphone safety discounts, and more.

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

So, you've seen how different factors can affect your car insurance rates. We've shown you all the discounts each company offers, too. But, when it comes down to it, which carrier is the right carrier for you and your specific driver profile?

Omni might be best for you if....

• You have a DUI charge on your record.
• You've been pulled over for speeding recently.
• You've started working from home and don't have much of a commute.

Cumberland Mutual might be best for you if...

• You have an at-fault accident on your record.
• Your neighborhood is in a rural area.
• You are over 65 years old and want to save some money on your insurance.

We hope this guide has ben a valuable resource as you compare Cumberland Mutual and Omni. We also hope we've given you the information you need to make the best 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 carriers, not just Cumberland Mutual and Omni. Luckily, sites like Compare.com do all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top car insurance companies in your area, all in just a few minutes.

Cumberland Mutual vs. Omni FAQs

Is Cumberland Mutual or Omni cheaper?

Looking just at the national average prices, Omni is the cheaper of the two carriers, offering average rates of $181 a month compared to $193 for Cumberland Mutual. Even so, Omni won't necessarily be the lowest company for each policyholder, since there are several different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Cumberland Mutual or Omni?

Sadly, the only answer we can give you is "it depends.". No single carrier is necessarily "better" for everyone -- it all boils down to your unique insurance profile. For example, Cumberland Mutual offers more affordable premiums for drivers with an at-fault collision on their record, while Omni is cheaper for drivers who have less-than-stellar credit scores.

Why do Cumberland Mutual and Omni offer me different rates?

Auto insurance companies take a look at quite a few different factors when calculating the prices they charge policyholders. Things like your driving record, gender, age, where you call home, and sometimes even things like your credit score can all be taken into consideration. Both Cumberland Mutual and Omni calculate rates differently, so each one will most likely offer different prices. The only real way to see which company is the cheapest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the car insurance carrier that's right for you is by getting quotes from a handful of companies and finding the one best suited for your individual budget. Luckily, Compare.com does all the hard work for you. 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 lowest premium. And who knows, the best company for you might not be Cumberland Mutual or Omni 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.