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

Quick Facts

• Looking at the national averages for auto insurance, Cumberland Mutual offers significantly more affordable prices than State Auto
• Cumberland Mutual offers more affordable premiums for policyholders who are looking to purchase insurance with a spouse
• State Auto offers less expensive average prices for policyholders who live in urban areas

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

So, you're considering switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Cumberland Mutual or State Auto as potential options, but between the two, which one will save you the most?

Looking at the national average rates for both carriers, Cumberland Mutual is quite a bit cheaper than State Auto, with rates averaging $193 a month compared to $259 with State Auto.

Even so, that doesn't necessarily mean Cumberland Mutual will be the cheaper option for every driver. Insurance companies vary their prices depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and a variety of other factors. So, at the end of the day, rates from every company will differ quite a bit from person to person.

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

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

Cumberland Mutual and State Auto only compete against each other in two states, with Cumberland Mutual offering less expensive rates to the average driver in all of them. Maryland has the most noticable difference, where Cumberland Mutual premiums are $303 cheaper than auto insurance prices at State Auto.

But there's more to car insurance than just your home state. As we mentioned above, there's a lot of things that go into how insurance carriers determine your premiums. Read on to learn more.

Which is the Best Company For Young Drivers?

Young drivers -- especially teens -- normally pay a lot for auto insurance compared to older drivers. It's usually because teen 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 that teen drivers have to just accept sky-high car insurance rates. As you can see above, teens who use Cumberland Mutual save almost 40% per month compared to those who use State Auto.

That being said, both companies will offer you dramatically lower prices once you turn 25. State Auto offers the steepest decrease, with 25-year-olds paying less than a quarter of what 18-year-old drivers are charged. That being said, Cumberland Mutual still has the lowest rates at $196 per month.

Which is the Best Company for Retired Drivers?

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

But who has the best prices for retired drivers between Cumberland Mutual and State Auto? Cumberland Mutual gets the edge, with premiums for drivers 65 and older nearly 30% more affordable than the national average for State Auto.

Which is the Best Company for Married Drivers?

You may not be aware, but car insurance rates tend to be cheaper for married policyholders than they are for single drivers. That's typically because married couples tend to own and insure more than one vehicle, which can often earn you a discount.

For those who are single, the difference in average prices between these two carriers is significant, with Cumberland Mutual premiums coming in at a third less than State Auto's. The advantage for married drivers with Cumberland Mutual is also obvious, where drivers save almost 15% a month.

Cumberland Mutual or State Auto: Average Rates by Gender

Men are statistically more likely than women to get into collisions and file an insurance claim. That means when it comes to insurance men will generally end up paying a little more.

On average, women see rates around $10 per month more affordable with Cumberland Mutual, and about $24 less with State Auto.

Looking at overall affordability, Cumberland Mutual comes out on top for both men and women. On average, male drivers save about $74 a month and women save around $59 with Cumberland Mutual compared to the average State Auto policyholder.

Cumberland Mutual vs. State 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 can be pretty complicated. Everyone needs car insurance, but there are so many different coverages and limits that it can be hard to find the right policy for you.

However, most policies end up falling into two different types of coverage -- liability coverage (which provides bodily injury and property damage coverage for other drivers and their passengers if you cause a collision) and full coverage (which includes collision and comprehensive coverages that protect your own car, in addition to liability).

Looking specifically at state minimum limits for liability insurance, Cumberland Mutual has the significant edge, with average monthly premiums 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 about $280 per month to State Auto's $369.

Is Cumberland Mutual or State Auto Better for Drivers with Spotty Records?

You've probably seen plenty of commercials from insurance companies 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 accidents and speeding tickets lead to higher rates, but which company -- Cumberland Mutual or State Auto -- has the cheapest prices for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Policyholders who use Cumberland Mutual for their car insurance can normally expect their monthly bill to go up around 10% after getting a speeding ticket. State Auto policyholders can expect a bit more drastic of an increase of about 22%.

But Cumberland Mutual has less expensive premiums for drivers in both categories, offering rates that are 1% and 14% more affordable, respectively, compared to State Auto Insurance.

Which Company is Best for Drivers After an Accident?

Both carriers will raise prices pretty significantly if you get into an at-fault collision with State Auto increasing by around 37%. Cumberland Mutual has a less extreme climb, but you can still expect to pay nearly 10% more than you were prior to your first accident.

At the end of the day, the cheaper rates come from Cumberland Mutual, with average premiums coming in at $183 compared to State Auto Insurance's $269.

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 an accident. For example, State Auto increases average rates by more than $200 a month -- that's more than a 55% increase.

But if you end up with a DUI charge and are looking for more affordable premiums, Cumberland Mutual tends to be less expensive for the average driver, with monthly premiums coming in at about $233 to State Auto's $380.

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

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

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

So, which carrier offers the most affordable premiums for policyholders 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 State Auto Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a substantial impact on how much auto insurance companies will charge for coverage. That's because the fewer miles you put on your vehicle, the less likely you are to be in a collision 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 State Auto charges. However, there's a small difference in monthly prices for Cumberland Mutual, with drivers who put 6,000 miles on their car annually paying around $1 less every month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Cumberland Mutual is the cheaper company.

Cumberland Mutual or State Auto: 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 insurance, but the type of area you live in can have a sizable impact as well. Typically, if you live in an urban area with more cars on the road, you'll pay a little more for auto insurance, while the opposite is true for people in rural areas.

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

For drivers in urban ZIP codes, State Auto Insurance's average rates are about 4% less than Cumberland Mutual. People who live in suburban areas pay around 44% less with Cumberland Mutual compared to State Auto. Those in rural areas can expect to save about 48% with Cumberland Mutual compared to State Auto.

Cumberland Mutual vs. State Auto Discounts

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

But where do you even start? With what seems like a million different discounts out there, it may be challenging to find all the ones you can take advantage of.

Luckily, we did the hard work for you and broke down all of the different discounts offered by both Cumberland Mutual and State Auto so that you can find the carrier that has the most discounts and, therefore, the largest savings.

Looking at the total number of discounts, State Auto has advantage when it comes to total number of discounts. Cumberland Mutual offers a grand total of 15 discounts, while State Auto has 18.

There are a couple discounts both companies offer, but State Auto also offers discounts for advance quote, advantage program , COVID-19 relief, and more.

On the other hand, Cumberland Mutual has a few proprietary discounts of their own for things like new business discounts, new vehicle discounts, renewal discounts, and more.

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

So, we've broken down the average premiums for many of the variables car insurance carriers look at, and walked through the different discounts each company offers, too. But, when it comes down to it, which insurance carrier is the best company for you and your specific profile and needs?

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

• You have a speeding ticket on your driving record.
• You have less-than-stellar credit.
• You've started working from home and don't have much of a commute.

State Auto might be best for you if...

• You're looking for the company with the most discounts.
• Your neighborhood is in a city.

Hopefully, this guide has ben a valuable resource as you compare Cumberland Mutual and State Auto and that it aids in making a more informed 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 car insurance policy is to compare quotes from a handful of companies, not just Cumberland Mutual and State Auto. Luckily, Compare.com does all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

Cumberland Mutual vs. State Auto FAQs

Is Cumberland Mutual or State Auto cheaper?

Cumberland Mutual is the less expensive of the two companies when looking at national average rates, with policies averaging $193 per month with Cumberland Mutual and $259 for State Auto. Even so, that doesn't mean Cumberland Mutual will be the most affordable carrier for everyone, since there are a range of different factors that are considered when it comes to your car insurance payment.

Who is better, Cumberland Mutual or State Auto?

Unfortunately, the answer truly is "it depends.". One company is not "better" for everyone -- it all boils down to your unique auto insurance profile.

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

Insurance carriers use lots of different variables when calculating the premiums they charge. Factors such as where you call home, where you live, age, gender, and sometimes even things like your credit score can all come into play. Both Cumberland Mutual and State Auto calculate prices differently, so it's likely they'll offer different premiums. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a bunch of different companies.

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

The only way to find the auto insurance company that's right for you is by getting quotes from several 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 area information and you'll get quotes from dozens of your local top car insurance companies for free. With those, you can guarantee you're getting the lowest price. And maybe you'll find that the best carrier for you isn't Cumberland Mutual or State 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.