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

Quick Facts

• In general, Redpoint County Mutual offers significantly cheaper premiums than Esurance
• Esurance offers less expensive average prices for drivers with a DUI charge on their record
• Redpoint County Mutual offers more affordable rates for drivers who have less-than-stellar credit

Esurance vs. Redpoint County Mutual: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. You've probably seen commercials and billboards from companies offering hefty discounts, but exactly how much money can you save by switching?

You might be considering Esurance or Redpoint County Mutual, but between the two, which company has cheaper prices for auto insurance?

As you can see, Redpoint County Mutual has average rates that are about 35% per month less expensive than those from Esurance when looking at the national average rates for insurance.

However, that doesn't mean Redpoint County Mutual will necessarily be more affordable than Esurance for every single driver. Car insurance companies vary their premiums 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 ton of other factors. 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 Esurance or Redpoint County Mutual is really the best for you, keep reading to see average premiums for each company broken down by a bunch of different rate factors.

Esurance or Redpoint County Mutual: Average Car Insurance Rates by State

Esurance and Redpoint County Mutual only compete against each other in Texas, where Esurance offers the cheaper average prices. For Texas residents, Esurance offers insurance for $184 monthly on average. Redpoint County Mutual's average rates come out to be more expensive, at $196 a month.

But there's more to calculating auto insurance prices than just the state you live in. Read on to find out more.

Which is the Best Company For Young Drivers?

Teen drivers will almost always have the most expensive car insurance premiums of any other group of drivers. That's normally because young, inexperienced drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high rates, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of nearly $300 less a month by choosing Redpoint County Mutual over Esurance. It's worth noting that Esurance offers auto insurance in 11 different states compared to Redpoint County Mutual's one, which can skew the average prices a bit, but the difference here is still considerable.

That being said, with both carriers, you'll see your premiums lower significantly once you turn 25. For example, average rates for Esurance policyholders drop more than 65% and Redpoint County Mutual's prices decrease almost 60% 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 cheapest premiums you'll ever find.

So, which carrier offers the best prices to retired drivers? Redpoint County Mutual gets the edge, with premiums for drivers 65 and older $82 cheaper than the national average for Esurance.

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 drivers. That's typically because married policyholders tend to own and insure multiple cars, which can often earn you a discount.

When it comes to relationship status, Redpoint County Mutual is the clear winner for single policyholders, with premiums around $133 per month less expensive than Esurance, on average. The advantage is also clear for married couples - Redpoint County Mutual offers the most affordable average rates.

Esurance vs. Redpoint County Mutual: Average Rates by Gender

Because men are more likely to get into collisions and get speeding tickets, they run a larger risk of filing a claim with insurance. Therefore, insurance companies will tend to charge men more than women.

On average, men see prices about 7% a month higher with Esurance, and around 9% more with Redpoint County Mutual.

When it comes to the lowest rates for each gender, Redpoint County Mutual comes out as the cheapest option for both genders. On average, male drivers save about $104 per month and women save about $101 with Redpoint County Mutual compared to the average Esurance policyholder.

Esurance or Redpoint County Mutual: 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, insurance can be pretty complicated. There are a range of different coverages that account for many different things. Some protect you and your vehicle, while others only provide coverage for other people's property and health if you cause an accident.

Even so, the most common policies that many drivers look at fall into two categories -- liability only (that covers bodily injury and property damage for other drivers if you cause a collision) and full coverage (which includes comprehensive and collision coverages that protect your own vehicle, alongside liability).

If you're looking for state minimum liability limits, Redpoint County Mutual usually offers significantly more affordable prices of $115 compared to Esurance's $201. When it comes to full coverage policies with similar limits, Redpoint County Mutual again has the edge, with policies around $100 a month cheaper than Esurance, on average.

Is Esurance or Redpoint County Mutual 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.

At-fault accidents and tickets will most likely raise your premiums, but is Esurance or Redpoint County Mutual more affordable for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

Drivers with Redpoint County Mutual car insurance policies don't report seeing their prices increase after getting a ticket, but Esurance policyholders can expect to see their monthly bill increase by about $45.

But Redpoint County Mutual is generally the less expensive option for both drivers who have a recent ticket and those with clean records -- their rates are around 43% cheaper for drivers with clean records and 52% less expensive for those with a ticket.

Which Company is Best for Drivers After an Accident?

Esurance policyholders who get in an accident can expect to see their premiums increase by just under 35%, while those who have insurance through Redpoint County Mutual will see around a 35% increase.

Overall, the more affordable rates come from Redpoint County Mutual, with monthly premiums averaging $206 compared to Esurance's $364.

Which Company is Best for Drivers with a DUI?

If you get a DUI charge, you can expect some pretty significant increases in your monthly insurance bill -- usually a lot more than a collision or speeding ticket. Redpoint County Mutual drivers usually see a 54% climb in their auto insurance rates after a DUI charge, while Esurance will typically raise prices by about 20%.

Esurance has the overall lowest rates for drivers with a DUI on their records at $301 per month, but it's worth noting that Esurance's average rates come from 11 states compared to just one for Redpoint County Mutual, so the data may be skewed slightly.

How does Credit Score Impact Esurance and Redpoint County Mutual Rates?

You may not have known, but your credit score can come into play when carriers calculate your monthly bill. Certain states and companies do not allow for credit score to be used as a rating factor, but it might come into play for quite a few drivers.

The reasoning car insurance carriers use is that policyholders 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 cheaper prices.

Looking specifically at Redpoint County Mutual and Esurance, which one has the most affordable premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

If you have a great credit score, you'll usually find a better deal with Redpoint County Mutual. Policyholders with "excellent" credit can save over 25% compared to Esurance, and those with "good" scores can also expect to see savings -- around $89 or 33% more affordable every month.

Which Company is Best for Drivers with Bad Credit?

Redpoint County Mutual typically offers lower rates than Esurance when it comes to drivers with less-than-stellar credit. Drivers with "fair" credit pay about $100 per month less with Redpoint County Mutual compared to Esurance, and those with "poor" scores generally save an average of around $179 a month.

Is Esurance or Redpoint County Mutual Better for Drivers who Work from Home or Have Short Commutes?

How much you drive can have a considerable impact on your monthly insurance payment. Usually, the more miles you put on your car, the more you can expect to pay for auto insurance.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Redpoint County Mutual charges. However, there's a small difference in monthly prices for Esurance, with policyholders who drive 6,000 miles yearly paying about $1 less each month compared to those who drive 12,000 miles every year. Still, Redpoint County Mutual is the less expensive option for drivers in both categories.

Esurance vs. Redpoint County Mutual: Compare Rates for Urban, Suburban, and Rural Drivers

Where your home is can have a substantial impact on your monthly insurance bill. Generally, drivers who live in less densely populated rural areas will pay quite a bit less than urban policyholders because of the small number of vehicles that are on the roads in those areas.

When comparing these two companies side-by-side, Redpoint County Mutual normally comes out as the most affordable option for drivers in every type of area, no matter if it's urban, suburban, or rural.

Drivers in rural ZIP codes see the lowest rates from both carriers, but Redpoint County Mutual comes out on top with average premiums around $173 per month. Redpoint County Mutual also has cheaper average prices for policyholders in urban and suburban ZIP codes -- a $158 and $111 a month respective difference when compared to Esurance drivers in similar areas.

Esurance vs. Redpoint County Mutual 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 car insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to find all the ones you're eligible for or to nail down the carrier that has the most discounts for your unique driver profile.

Below, we've taken a look at all of the different discounts Esurance and Redpoint County Mutual offer their customers 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 Redpoint County Mutual out of the park when it comes to the sheer number of discounts available, offering 21 more discounts than Redpoint County Mutual.

Both companies offer several of the same discounts -- like discounts for being a good driver, group discounts, and passive restraint discounts -- but Esurance also offers ABS discounts, advance quote discounts, agency transfer discounts, and more that Redpoint County Mutual does not.

Redpoint County Mutual's discounts come through just three categories -- Good Driving, Group Discount, and Passive Restraint.

Final Thoughts: Is Esurance or Redpoint County Mutual Best for You?

So, we've broken down the average rates for many of the factors auto insurance carriers look at, and walked through the different discounts each company offers, too. That's all well and good, but at the end of the day, is Esurance or Redpoint County Mutual the right carrier for you and your specific profile and needs?

Redpoint County Mutual might be best for you if....

• You have a speeding ticket on your driving record.
• You're looking for more protection with "full coverage" car insurance.
• You're buying insurance for a teen and looking for a wallet-friendly option.

Esurance might be best for you if...

• You value the experience that comes with a large national car insurance carrier.
• You have a DUI charge on your record.
• You're looking for discounts -- Esurance has the most.

We hope this guide has ben a valuable resource as you compare Esurance and Redpoint County Mutual. 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 best way to make sure you're getting the best deal on your auto insurance policy is to compare quotes from a handful of companies, not just Esurance and Redpoint County Mutual. Luckily, Compare.com does all the hard work for you. Simply enter your ZIP codes below and get free quotes from dozens of top insurance carriers in your area, all in just a few minutes.

Esurance vs. Redpoint County Mutual FAQs

Is Esurance or Redpoint County Mutual cheaper?

Looking just at the national average prices, Redpoint County Mutual is the less expensive of the two companies, offering average rates of $196 per month compared to $299 for Esurance. However, Redpoint County Mutual won't necessarily be the cheapest company for everyone, since there are a variety of different variables (things like gender, age, driving record, etc.) that play a role in how much you pay.

Who is better, Esurance or Redpoint County Mutual?

Unfortunately, the answer truly is "it depends.". Neither carrier is "better" for everyone -- it all depends on what your unique auto insurance profile looks like. For example, Esurance offers more affordable premiums for drivers with a recent DUI, while Redpoint County Mutual is cheaper for drivers with excellent credit.

Why do Esurance and Redpoint County Mutual offer me different rates?

Car insurance carriers take a look at a lot of different factors when calculating the rates they charge policyholders. Variables like your driving record, where you call home, gender, age, and sometimes even things like your credit score can all come into play. Both Esurance and Redpoint County Mutual calculate premiums using different formulas, so each one will most likely offer different prices. The only real way to see which company is the most affordable for you is by comparing personalized quotes from several different companies.

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

The only way to find the auto insurance carrier that's right for you is by getting quotes from multiple carriers and finding the one best suited for your individual budget. Luckily, sites like Compare.com make it easy for you to do just that. Just enter your information once and you'll get free quotes from dozens of the best car insurance companies in your area. That way, you can guarantee you're getting the lowest price. And who knows, the best company for you might not be Esurance or Redpoint County Mutual 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.