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

Quick Facts

• Looking at the national averages for auto insurance, Cumberland Mutual offers cheaper prices than Safe Auto
• Cumberland Mutual has less expensive premiums for policyholders who drive fewer than 6,000 miles yearly
• Safe Auto offers more affordable prices for policyholders who live in urban areas

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

So, you're thinking about 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 might have narrowed your search down to Cumberland Mutual or Safe Auto, but between the two, which carrier has more affordable premiums for car insurance?

Looking at nationwide averages, Safe Auto has average rates that are around 13% a month more expensive than those from Cumberland Mutual.

Even so, that doesn't mean Cumberland Mutual will necessarily be less expensive than Safe Auto for each driver. After all, insurance carriers can offer drastically different rates to every driver depending on rating factors like your driving record, where you call home, your age, or even your credit score (among other things). So, at the end of the day, rates from each carrier will differ quite a bit from person to person.

So, if you want to find out which of Cumberland Mutual or Safe Auto is really the best for you, keep reading to see average prices for each company broken down by multiple different rate factors.

Cumberland Mutual vs. Safe Auto: Average Car Insurance Rates by State

Cumberland Mutual and Safe Auto only compete against each other in one states, with Cumberland Mutual offering cheaper premiums to the average driver in all of them. Pennsylvania has the most noticable difference, where Cumberland Mutual rates are $94 more affordable than auto insurance prices at Safe Auto.

But there's more to insurance than just your home state. As we mentioned above, there's a lot of things that go into how auto insurance companies determine your premiums. Continue reading to learn more about how other variables will affect your rates.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance rates of any group on the road. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

That being said, that doesn't mean that teen drivers have to just accept sky-high insurance premiums. As you can see above, teens who use Safe Auto save 2% per month compared to those who use Cumberland Mutual.

However, both carriers will decrease rates by the time you turn 25. Safe Auto offers the steepest decrease, with 25-year-olds paying less than half what 18-year-old drivers are charged. That being said, Cumberland Mutual still has the cheapest prices at $196 a month.

Which is the Best Company for Retired Drivers?

Drivers around retirement age typically enjoy some of the most affordable auto insurance rates you'll ever see. After all, they've likely been driving for quite some time, which usually lowers their chances of collisions and other infractions that can raise premiums.

So, which carrier offers the best prices to retired drivers? Cumberland Mutual gets the edge, with premiums for drivers 65 and older $58 cheaper than the national average for Safe Auto.

Which is the Best Company for Married Drivers?

Single policyholders tend to get offered slightly more expensive car insurance rates than married drivers. That's generally because married couples tend to own and insure several vehicles, which can often earn you a discount.

For those who are single, the difference in average prices between these two companies is significant, with Cumberland Mutual rates coming in at about 10% less than Safe Auto's. The advantage for married policyholders with Cumberland Mutual is also obvious, where drivers save over 15% a month.

Cumberland Mutual or Safe Auto: Average Rates by Gender

Men tend to pay more for insurance than women. This is because men are statistically more likely than women to get pulled over for speeding or get into a collision, which leads to increased risk for insurers and, therefore, higher premiums.

With Cumberland Mutual, women normally pay around 5% per month less than men, and about 7% less with Safe Auto.

Looking at overall affordability, Cumberland Mutual comes out on top for both men and women, with average prices $34 less for men and $26 cheaper for women.

Cumberland Mutual vs. Safe Auto: 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 several different coverages that account for a bunch of different things. Some protect you and your car, while others only provide coverage for other people's property and health if you cause an accident.

The two most common policies that drivers look at fall into two categories -- liability coverage (which provides property damage and bodily injury coverage for other drivers and their passengers if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum limits for liability insurance, Cumberland Mutual has the 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 Safe Auto's $320.

Is Cumberland Mutual or Safe Auto 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.

Accidents and speeding tickets will most likely raise your prices, but is Cumberland Mutual or Safe Auto less expensive for drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cumberland Mutual for their auto insurance can generally expect their monthly bill to go up about 10% after getting a speeding ticket. Safe Auto policyholders can expect a bit more drastic of an increase of around 18%.

But Cumberland Mutual has more affordable premiums for drivers in both categories, offering prices that are $11 and $33 less expensive, respectively, compared to Safe Auto.

Which Company is Best for Drivers After an Accident?

After an accident, drivers who have their car insurance through Cumberland Mutual can expect to see about an $14 -- or around 8% -- rise in their insurance rates. Drivers who use Safe Auto for their car insurance will see a monthly bill about $66 (or 27%) more expensive after reporting an accident to their auto insurance company.

At the end of the day, the more affordable premiums come from Cumberland Mutual, with average rates coming in at $183 compared to Safe Auto's $246.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge on your record, it's probably going to cost you more than a simple ticket or even a collision. On average, Safe Auto will raise your prices around 27% after a DUI, while Cumberland Mutual's average premiums climb by more than 25%.

How does Credit Score Impact Cumberland Mutual and Safe Auto Rates?

Did you know many insurance carriers take into account your credit score when determining prices? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it will come into play for a lot of drivers.

Auto insurance companies argue that those with good credit scores are more likely to pay their bills on time every month, which reduces the risk involved on their end, while the opposite is true for those with bad credit.

Looking at Cumberland Mutual and Safe Auto specifically, which company has the cheapest premiums 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 Safe Auto 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 big impact on your monthly car insurance cost? That's because the fewer miles you put on your car each year, the less likely you are to be in an accident and file an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Safe Auto charges. However, there's a small difference in monthly rates for Cumberland Mutual, with drivers who put 6,000 miles on their vehicle each year paying about $1 less every month compared to those who drive 12,000 miles annually. Still, for drivers in both categories, Cumberland Mutual is the cheaper carrier.

Cumberland Mutual or Safe Auto: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a large impact on your monthly insurance payment. Usually, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders since there are a lot fewer cars on the roads where they live.

Looking at these carriers side-by-side, Cumberland Mutual tends to offer the most affordable option for drivers in rural and suburban areas, while Safe Auto wins in urban areas.

For drivers in urban ZIP codes, Safe Auto's average rates are around 18% less than Cumberland Mutual. People who live in suburban areas pay about 34% less with Cumberland Mutual compared to Safe Auto. Those in rural areas can expect to save around 41% with Cumberland Mutual compared to Safe Auto.

Cumberland Mutual vs. Safe Auto Discounts

No matter 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 you can, and the best way to do that is by utilizing as many auto insurance discounts as possible.

But where do you even start? With so many discounts out there, it may seem hard to find all the of the ones you qualify for.

Luckily, we did the hard work for you and looked at all of the different discounts Cumberland Mutual and Safe Auto offer their customers so that you can see which one 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 Safe Auto's 14.

There are a couple discounts both companies offer, but Cumberland Mutual also offers discounts for ABS, distant student, employee discount, and more.

On the other hand, Safe Auto has a few proprietary discounts of their own for things like agency transfer discounts, claim free discounts, homeowner discounts, and more.

Final Thoughts: Is Cumberland Mutual or Safe Auto Best for You?

You've seen the role certain factors have on your insurance and the different discounts carriers offer. But, when it comes down to it, is Cumberland Mutual or Safe Auto the right company for you and your specific profile and needs?

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

• You have an at-fault collision on your record.
• You want the most robust protection via a "full coverage" policy.
• You and your spouse are buying car insurance together.

Safe Auto might be best for you if...

• You are considering moving to another state -- undefined only offers policies to residents.
• Your neighborhood is in a city.
• You want to save money while purchasing insurance for a teenager.

Hopefully, this guide helps you get a better idea of the difference between Cumberland Mutual and Safe Auto. We also hope we've given you the information you need to make the best decision about your auto 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 insurance -- comparing quotes from a handful of companies, not just Cumberland Mutual and Safe Auto. Luckily, sites like Compare.com do all the hard work for you. Just enter your ZIP code below and get multiple quotes from some of the best car insurance carriers in your area, all for free.

Cumberland Mutual vs. Safe Auto FAQs

Is Cumberland Mutual or Safe Auto cheaper?

Cumberland Mutual is the less expensive of the two companies when looking at national average prices, with policies averaging $193 per month with Cumberland Mutual and $223 for Safe Auto. Even so, that doesn't mean Cumberland Mutual will be the lowest carrier for each policyholder, since there are a range of different variables (things like age, driving record, gender, etc.) that play a role in how much you pay.

Who is better, Cumberland Mutual or Safe Auto?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for every policyholder -- it all depends on the makeup of your unique auto insurance profile. For example, Safe Auto is more affordable for drivers who have less-than-stellar credit scores, while Cumberland Mutual offers cheaper premiums for policyholders with an at-fault accident on their record.

Why do Cumberland Mutual and Safe Auto offer me different rates?

Car insurance carriers use many different factors when calculating the rates they charge. Things such as your driving record, gender, age, where you live, and sometimes even things like your credit score can all be used. Both Cumberland Mutual and Safe Auto calculate premiums differently, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a variety of different companies.

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

The only way to find the insurance company that's right for you is by getting quotes from multiple carriers 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 information once and you'll get quotes from dozens of your local top auto insurance companies for free. That way, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Cumberland Mutual or Safe Auto 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.